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:06/16/2023

  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 believe this account is reporting inaccurately. I do not recall having an account with this company. I don't think there is legal contract between this ***************** I would like you to provide me verifiable proof this account belongs to me. I request a signed contract which will demonstrate a legal agreement. Please delete.

  Business Response

  Date: 06/16/2023

  Hello,

   

  We are in receipt of this recent complaint. After further review of the proof you have provided, our office has decided to close this account and return it to our client. We will also request to have this tradeline removed from your credit report.

   

  We appreciate your patience during this time.

   

  Thank you,

   

  Debt Recovery Solutions, LLC

• Initial Complaint

  Date:06/15/2023

  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 am not liable for the 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: 06/16/2023

  Hello,

   

  We are in receipt of this recent complaint. After further review, our office has sent prior notices to you, notifying you of this matter. As we do not have a direct contract with you, we do have a contract to work this matter on behalf of our client ***** Services, who works with Cash Factory USA which you did have a contract with.

   

  We will go ahead and request a copy of the original contract to be sent to you to validate this matter.

   

  Thank you,

   

  Debt Recovery Solutions, LLC

• Initial Complaint

  Date:06/14/2023

  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.

  The company reported a debt to the credit bureau. I tried contacting them to get information about the debt. Was told they couldnt locate my account and would have a supervisor contact me. After a few days of not hearing back. I reach out to the company and Im unable to get anyone on the phone, left messages and called multiple lines and times with no response

  Business Response

  Date: 06/15/2023

  Hello,

   

  We are in receipt of this recent complaint. After further review, we were able to locate your account. Your account number is ********. Please contact our office at ************ to discuss further.

   

  Thank you,

   

  Debt Recovery Solutions, LLC

  Customer Answer

  Date: 06/16/2023

  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:

  [Your Answer Here]

   I am waiting for the documents requested regarding the account 

   

   

   

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

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

  Business Response

  Date: 06/21/2023

  Hello,

   

  We are in receipt of this recent complaint. As we continue to wait for the documentation, we will place a temporary removal from your credit report until documentation has been sent.

   

  Thank you for your patience,

   

  Debt Recovery Solutions, LLC

• Initial Complaint

  Date:06/14/2023

  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 in receipt of Debt Recovery Solutions letter informing me that they are handling the collection of the account #***************** for $355. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between ****************************** legally listing you/your company as a person/company entitled to enforce a commercial claim against me. I mailed & faxed a letter dated April 28, 2023 demanding proof of contract to substantiate Debt Recovery Solutions claim. I legally demanded you/your company to provide me with a certified copy of an original contract, BEARING MY WET SIGNATURE, specifically naming the above company as a person entitled to enforce a commercial claim against me. My legally demanded requested information was ignored. It has been over 30 days which is required under the **** and Debt Recovery Solutions has continued to report this fraudulent and unverifiable item on my Experian, Equifax and Transunion reports. Meanwhile, ignoring the law. Debt Recovery Solutions has NOT provided a underlying credit agreement, no proof of ownership and provided no legal basis to report "late payments" or any information to consumer reporting agencies. As a ramification due to this fraudulent account, I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered emotional and mental stress because of this false and negative credit bureau reporting.

  Business Response

  Date: 06/14/2023

  Hello,

   

  We are in receipt of this recent complaint. After further review, we do see that we are awaiting supporting documents from our client. Once received, we will send out to you for review.

   

  Thank you for your patience,

   

  Debt Recovery Solutions, LLC

• Initial Complaint

  Date:06/12/2023

  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 advance america and I do not have a contract with debt recovery solutions, llc. They did not provide me with the original contract / application I asked for multiple times.

  Business Response

  Date: 06/13/2023

  Hello,

   

  We are in receipt of this recent complaint. After further review, we do see that we have sent several notices to you notifying you of this matter. We will request expedited supporting documents to be sent to you to validate this matter.

   

  Please contact our office at ************ to discuss further.

   

  Thank you,

   

  Debt Recovery Solutions, LLC

  Customer Answer

  Date: 06/14/2023

  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 do not have a contract with debt recovery systems  I owe them no money. I have never been provided the original contract bearing my signature as requested multiple times. I do not owe debt recovery systems or advance america money. This account needs to be deleted of my credit reports immediately.  This is a FCRA and Hippa violation  

   

   

   

   

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

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

  Customer Answer

  Date: 06/15/2023

  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:

  This is a hippa and fcra violation. I do not have a contract with advance America I have never been provided the contract after multiple requests  I do not have a contract with debt recovery services or **************. There is no contract and a contract has never been provided for verification. Delete this account immediately. 

   

   

   

   

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

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

  Business Response

  Date: 06/21/2023

  Hello,

   

  We are in receipt of this recent response. As per your account notes, it seems as though you have spoken with a representative regarding this matter already, and are looking to resolve. We will consider this complaint closed.

   

  Thank you,

   

  Debt Recovery Solutions, LLC

• Initial Complaint

  Date:06/08/2023

  Type:Customer Service Issues
  Status:

  ResolvedMore 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 BCEP, I do not have a contract with Debt Recovery Solutions LLC, they did not provide me with the original contract as requested.

  Business Response

  Date: 06/09/2023

  Hello,

   

  We are in receipt of this recent complaint. We were able to locate your account in our office. After further review, we do see that we sent notices to you since we received this account in our office this year. Assuming you did not receive these in a timely manner, we will close this account in our office and send back to our client.

   

  Thank you for your patience,

   

  Debt Recovery Solutions, LLC

  Customer Answer

  Date: 06/12/2023

  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 no ownership in this debt nor do I have a contract with either party, BCEP or Debt Recovery Solutions. I am requesting that not only this account be closed but that all credit bureaus be notified of its deletion so that it will be removed off of my credit report. Please remove immediately.  

   

   

   

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

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

  Business Response

  Date: 06/13/2023

  Hello,

   

  Please allow **** business days for this to be removed form your credit report.

   

  Thank you,

   

  Debt Recovery Solutions, LLC

  Customer Answer

  Date: 06/15/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory as the account in which I am not liable for has been closed and I have been informed of when exactly to expect all credit bureaus to have the deletion of the account visible on my account, with that said this matter appears to be finally resolved.
  
  Thank you, 
  
  *****************************
  
  
  
   
  
  

• Initial Complaint

  Date:06/08/2023

  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 Advance America. 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: 06/09/2023

  Hello,

   

  We are in receipt of this recent complaint. After further review, we were able to locate this account. We will request urgent documents to be sent to your address on file.

   

  Thank you,

   

  Debt Recovery Solutions, LLC

• Initial Complaint

  Date:06/02/2023

  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 received an alert that an account has been added to my ********** profile. The account added was a collection from ***.I reached out to *** and spoke to a representative explaining that I have no knowledge of this account and that Im a victim of identity theft. She mentioned that the account holder was Cashnet. I explained to the *** customer service representative that *** is now the 3rd company that has purchased my information from the company Cashnet. I explained the two previous companies dismissed the collection due to identity theft. The *** customer service rep informed me to email the previous dismissal and I did.I disputed this with ******** and ********** and *** is reporting that the account is accurate and remains. This account is inaccurate and I doesn't belong to me. I have no knowledge of this account. Cashnet also states theyre unable to provide me any information about the account because they sold my information to a debt buyer.

  Business Response

  Date: 06/02/2023

  Hello,

   

  We are in receipt of this recent complaint. This matter has now been resolved directly with the consumer on this account.

   

  Thank you,

   

  Debt Recovery Solutions, LLC

• Initial Complaint

  Date:06/01/2023

  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 No: *************

  Business Response

  Date: 06/02/2023

  Hello,

   

  We are in receipt of this recent complaint. After further review of your account, we have not received a request for validation since the 5/31/2023 notice you recently sent our office. Since we just received this notice, we will place your account in dispute, and request supporting documentation to be sent to you to validate this matter.

   

  Once received, please review and contact our office at ************.

   

  Thank you,

   

  Debt Recovery Solutions, LLC

• Initial Complaint

  Date:05/31/2023

  Type:Service or Repair 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 Advance America and do not have a contact with Debt Recovery Solutions or DRS. I have repeatedly requested they send me verifiable proof the debt belongs to me and they have been unable to provide the documentation.

  Business Response

  Date: 06/01/2023

  Hello,

   

  We are in receipt of this recent complaint. After further review, we were able to locate your account. Your account number is ********. We will go ahead and request supporting documentation pertaining to this matter to be sent to you.

   

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

   

  Thank you,

   

  Debt Recovery Solutions, LLC