Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:12/26/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with 12 ******** FED credit union, I do not have a contract with Debt Recovery Solutions,LLC, they did not provide me with the original contract as I requested.

  Business Response

  Date: 01/02/2024

  Hello,

   

  We are in receipt of this recent complaint. After further review, you do not have a contract with our office,however, you did have a contract with PENTAGON FED CREDIT UNION, who works directly with our client *******************. ******************* hired ********** to work this account on their behalf, therefore, our office is handling this outstanding matter in your name.
  
  Please contact our office at ************ to discuss this account further. Your account number is ********.
  
  Thank you,
  
  Debt Recovery Solutions, LLC

  Customer Answer

  Date: 01/03/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

  [Your Answer Here]

   Subject: Dispute of Alleged Debt - Lack of Contractual Proof
  
  I dispute the alleged debt you claim I owe. As of now, there is no evidence or proof of any contractual agreement that obligates me to engage in business dealings with your agency. Please provide valid documentation supporting your claim, or cease any further attempts to collect this unsubstantiated debt.
  

   

   

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

  
  Sincerely,
  
  ******** ******
  
  
  
  
   
  

  Business Response

  Date: 01/09/2024

  Hello,

   

  We are in receipt of this recent reply. We will contact our client to obtain any and all supporting documentation to send to you.

   

  Thank you,

   

  Debt Recovery Solutions, LLC

• Initial Complaint

  Date:12/14/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to file a complaint regarding the validation of a debt on my consumer credit report. Despite multiple attempts to seek proof of validation, your company has failed to provide any evidence regarding a debt that does not belong to me. Furthermore, you have furnished this alleged debt on my consumer report and failed to validate the claim pursuant to Sec. 809(b) of the Fair Debt Collection Practices Act.As a consumer, I have a right to privacy and protection from inaccurate reporting on my credit report. Your company's actions have not only violated my right to privacy but also the permissible purpose of providing accurate information to consumer reporting agencies. According to 609(a)(1)(A), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report.I demand that this item be removed from my credit report immediately as it is furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. Your inaccurate reporting has also damaged my livelihood.According to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, furnishers have a duty to provide accurate information. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.The *** clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! By definition, The *** Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate.Accnt #: **************

  Business Response

  Date: 12/20/2023

  Hello,

   

  We are in receipt of this recent complaint. Kindly contact ***************, LLC at ************ to discuss your compliant further.

   

  Thank you,

  Debt Recovery Solutions, LLC

• Initial Complaint

  Date:12/08/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with 12 Snap Finance. I do not have a contract with Debt Recovery Solutions. They did not provide me with the original contract as I requested.

  Business Response

  Date: 12/13/2023

  Hello,

   

  We are in receipt of this recent complaint. After further review, you do not have a contract with our office,however, you did have a contract with SNAP FINANCE, who works directly with our client *******************. ******************* hired ********** to work this account on their behalf, therefore, our office is handling this outstanding matter in your name.
  
  Please contact our office at ************ to discuss this account further. Your account number is ********.
  
  Thank you,
  
  Debt Recovery Solutions, LLC

  Customer Answer

  Date: 12/14/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

  I ask that Debt Recovery Solutions provide the original contract stating that I am liable for this debt with SNAP FINANCE. If they cannot provide the contract and proof that I am liable for this debt, I demand this account is removed from my report immediately!

   

   

   

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

  
  Sincerely,
  
  ********************************
  
  
  
  
   
  

  Customer Answer

  Date: 12/17/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

  Still no contract provided by Debt Recovery Solutions stating that I am liable for this debt, please remove collections account from my credit report immediately!

   

   

   

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

  
  Sincerely,
  
  ********************************
  
  
  
  
   
  

  Business Response

  Date: 12/20/2023

  Hello,

   

  We are in receipt of this reply. Our office sent documentation to you on the 14th of December, showing validation of this matter. As there is no direct "contract" between Debt Recovery Solutions and yourself, we cannot provide that to you.

   

  If you have further questions, please contact our office at ************.

  
  Thank you,

   

  Debt Recovery Solutions, LLC

• Initial Complaint

  Date:12/06/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I just received a text message saying that I need to pay off $684.50 to Debt Recovery Solutions by 12/11/2023. I dont know anything about a $684.50 payment that Ive done. I think this is a scam or something but want to make sure just in case they charged me for something I didnt buy and affect my financial life.

  Business Response

  Date: 12/06/2023

  Hello,

   

  We are in receipt of this recent complaint. If there was a reference number in the text, kindly provide this so that we can best locate this matter for you. If there was not a reference number in the text, kindly contact our office at ************ and a representative will gladly assist you with this matter.

   

  Thank you,

  
  Debt Recovery Solutions, LLC

• Initial Complaint

  Date:11/29/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to file a complaint regarding the validation of a debt on my consumer credit report. Despite multiple attempts to seek proof of validation, your company has failed to provide any evidence regarding a debt that does not belong to me. Furthermore, you have furnished this alleged debt on my consumer report and failed to validate the claim pursuant to Sec. 809(b) of the Fair Debt Collection Practices Act.As a consumer, I have a right to privacy and protection from inaccurate reporting on my credit report. Your company's actions have not only violated my right to privacy but also the permissible purpose of providing accurate information to consumer reporting agencies. According to 609(a)(1)(A), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report.I demand that this item be removed from my credit report immediately as it is furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. Your inaccurate reporting has also damaged my livelihood.According to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, furnishers have a duty to provide accurate information. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.The *** clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! By definition, The *** Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate.Accnt #****************

  Business Response

  Date: 11/29/2023

  Hello,

   

  We are in receipt of this recent complaint. As per the attachment you provided, you sent a request to our office 2 days ago, which we wouldn't have received yet.

   

  We also do not see any communication with you in our office since we received this file in September.

   

  We will request supporting documents to be sent to you ASAP to validate this matter.

   

  Please contact our office at ************ once you receive the documents.

   

  Thank you,

  
  Debt Recovery Solutions, LLC

• Initial Complaint

  Date:11/27/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am deeply concerned about the sharing of my nonpublic information with credit bureaus and the resulting inaccuracies on my credit report. This situation has caused significant financial and emotional distress.Under 15 USC **** Section 602, I have the right to financial privacy, and I expect my information to remain confidential.Furthermore, 15 USC **** Section 604(a)(2) states that a consumer reporting agency cannot furnish account information without my written instructions, which I have not provided.I have identified inaccuracies on my credit report from MONROECO DRS, impacting my financial well-being. I request these inaccuracies be corrected promptly.Lastly, please remember 15 USC 1666(b), which prohibits treating payments on a credit card account as late under certain circumstances.For reference, my account details are as follows:Account Number: *********I request a thorough review of my account, prompt correction of credit report inaccuracies, and strict adherence to federal laws regarding my information.Failure to address these issues may compel further legal action. I anticipate your prompt response and resolution to these concerns.Thank you for your immediate attention to this matter.Sincerely,************************

  Business Response

  Date: 11/28/2023

  Hello,

   

  We are in receipt of this recent complaint. Can you please confirm you are contacting the correct ****** (Debt Recovery Solutions)? We are not finding anything in our system with your name.

   

  Please provide your full name and the last 4 digits of your SSN so that we can best locate this for you.

   

  Thank you,

   

  Debt Recovery Solutions, LLC

• Initial Complaint

  Date:11/27/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Im not liable for this debt with emergency physician solutions,I do not have a contract with Debt Recovery Solutions. they did not provide me with the original contract as requested.

  Business Response

  Date: 11/28/2023

  Hello,

   

  We are in receipt of this recent complaint. After further review, you do not have a contract with our office,however, you did have a contract with EMERGENCY PHYS SOLUTIONS, who works directly with our client ******** ***************** ******** Capital Partners hired ********** to work this account on their behalf, therefore, our office is handling this outstanding matter in your name.
  
  Please contact our office at ************ to discuss this account further. Your account number is ********.
  
  Thank you,
  
  Debt Recovery Solutions, LLC

• Initial Complaint

  Date:11/17/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am deeply distressed by the situation regarding the sharing of my nonpublic information with the credit bureaus and the subsequent inaccuracies furnished on my report. This has caused immense financial and emotional distress. I want to emphasize my rights under 15 USC **** Section 602, which ensure my privacy.Additionally, according to 15 USC **** Section 604 A Section 2, a consumer reporting agency cannot furnish an account without my explicit written instructions. It's crucial to rectify this, given the gravity of the impact on my financial standing.Moreover, as per 15 USC **** B, a creditor cannot treat any payment on a credit card account as late under an open-end consumer credit plan. Please address this issue promptly to rectify the inaccuracies associated with account number *************.

  Business Response

  Date: 11/20/2023

  Hello,

   

  We are in receipt of this recent complaint. Kindly provide your full name and the last 4 digits of your SSN and we will try and locate this matter for you.

   

  Thank you,

   

  Debt Recovery Solutions, LLC

• Initial Complaint

  Date:11/15/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I'm not liable for this debt with DEBT RECOVERY SOLUTIONS. I do not have a contract with Debt Recovery Solutions. They did not provide me with the original contract as requested.

  Business Response

  Date: 11/16/2023

  Hello,

   

  We are in receipt of this recent complaint. After further review, you do not have a contract with our office,however, you did have a contract with **** ***** **** ***** ***, who works directly with our client ******** ***************** ******** Capital Partners hired ********** to work this account on their behalf, therefore, our office is handling this outstanding matter in your name.
  
  Please contact our office at ************to discuss this account further. Your account number is ********.
  
  Thank you,
  
  Debt Recovery Solutions, LLC

• Initial Complaint

  Date:11/14/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 8/9/23 a collections report was placed on my credit by Debt Recovery Solutions for $1274 originally from 12 ********************** without any communication to me. I have never worked with or entered a contract with the original lender and am in the process of ********* said charge.

  Business Response

  Date: 11/14/2023

  Hello,

   

  We are in receipt of this recent complaint. After further review, you do not have a contract with our office,however, you did have a contract with CAPITAL COMMUNITY BANK, who works directly with our client ******************* ******************* hired ********** to work this account on their behalf, therefore, our office is handling this outstanding matter in your name.

  
  Please contact our office at ************ to discuss this account further. Your account number is ********.
  
  Thank you,
  
  Debt Recovery Solutions, LLC

  Customer Answer

  Date: 11/14/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because: 

   

  I have never entered a contract with ****************** nor had I even heard of this company until today. I have no open or closed debts in the amount stated by the company, either. I have received no communication from ****************** prior to my complaint and wish to see some sort of verification that this contract is real, otherwise this company is in violation of the ***** as they are racking on debts that I do not owe and have not given any information proving said debt is mine.

   

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

  
  Sincerely,
  
  ***************************
  
  
  
  
   
  

  Customer Answer

  Date: 11/27/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

  
  The business has not contacted me in August or October in any form (whether it be email or phone) as claimed and when the number provided was called I was placed on hold for nearly an hour before hanging up. I still have no proof this debt is real despite requesting said proof multiple times. I have never had any debts totalling what this business is claiming I owe and there are other reviews saying the same thing or saying that someone elses debt was in their name.

   

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

  
  Sincerely,
  
  ***************************
  
  
  
  
   
  

  Business Response

  Date: 11/28/2023

  Hello,

   

  We are in receipt of this recent response. To be exact, we sent two letters on 8/28/2023 and 10/16/2023 to the address of **********************************************

   

  Seeing as though you did not receive these, our office will close this file and return it to our client, *******************.

   

  Thank you,

  
  Debt Recovery Solutions, LLC