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:02/12/2023

  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 do not have an account with Debt Recovery Solutions they are on my credit report. I never signed any contracts and I do not have a financial agreement lease or obligation to this company. They say I owe $513. This is erroneous.

  Business Response

  Date: 02/13/2023

  Hello,

   

  We are in receipt of this recent complaint. Please provide your DRS reference number so our office can review this account further.

   

  If you do not have this number, please provide your full name and the last 4 digits of your SSN so that we can locate this another way.

   

  Thank you,

   

  Debt Recovery Solutions, LLC

• Initial Complaint

  Date:02/12/2023

  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.

  Today Feb 10, 2023 I received a credit alert of a major derogatory account was detected on my credit file. I saw information that is on the attached document. I have no idea who DRS is and have no debt with them. This report is false and needs to be removed from my credit file.

  Business Response

  Date: 02/13/2023

  Hello,

   

  We are in receipt of this recent complaint. Please provide your DRS reference number. If you do not have this, please provide your full name and the last 4 digits of your SSN so that we can best locate this account for you.

   

  Thank you,

   

  Debt Recovery Solutions, LLC

• Initial Complaint

  Date:01/12/2023

  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.

  In accordance with the Fair Credit Reporting Act 15 ***************** Debt Collection Practices Act 15 U.S.C **** (ACCOUNTS), DEBT REC SOL Account # **************** (Original Creditor: EAGLE PEAK EMERG PHYS LLC) has violated my rights.15 ********** section 602 A. States I have the right to privacy.15 U.S.C **** Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions 15 U.S.C **** Section ********************************************************************************************************************************************************* place known or which should be known to be inconvenient to the Consumer 15 USC **** Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.15 USC **** Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

  Business Response

  Date: 01/13/2023

  Hello,

   

  We are in receipt of this recent complaint. After further review, we see that we received this account in June, 2022. Since then, we have sent you validation on this account.

   

  Assuming you did not receive this, we will close this account and send back to our client. We will also request to have this removed from your credit report.

   

  Thank you,

   

  Debt Recovery Solutions, LLC

• Initial Complaint

  Date:01/12/2023

  Type:Delivery 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.

  Received a letter from Debt Recovery Services DRS dated December 30, 2022, stating that I owe $7549.88 to a company called *********** I have received no documented proof from them validating this debt. Collections have been placed on my credit report as the account was opened in November 2023. This is not true. Debt Recovery Services. I understand this company is notorious for not abiding by the rules concerning debt collection. This needs to be removed from my credit report ASAP.

  Business Response

  Date: 01/13/2023

  Hello,

   

  We are in receipt of this recent complaint. After reviewing this account, we see that this account was opened on 1/23/2018. The November date you see if the date we received this in our office. This is how the credit bureaus reflect outstanding items.

   

  Since we received this account, we have sent two letters notifying you of this bill. We encourage you to contact our our office at ************ to discuss further.

   

  Thank you,

   

  Debt Recovery Solutions, LLC

  Customer Answer

  Date: 01/18/2023

  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] Yes, You  sent a vague letter but not other details. You have NOT provided copies of ORIGINAL signed documents from the original owner. 

   

   

   

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

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

  Business Response

  Date: 01/19/2023

  Hello,

   

  We are in receipt of this response. We see supporting documentation was requested on the 5th of January. We will follow up with our client immediately on these documents. Once received, we will issue them out to you.

   

  Thank you,

   

  Debt Recovery Solutions, LLC

• Initial Complaint

  Date:01/10/2023

  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.

  This company is a collection agency, trying to collect money on a pay day loan. My husband ***************** or I ***************** did not take. This is fraudulent and a case of identity theft. We already filed a dispute with all three credit bureau agency and with the ************************ **************** ************************** regarding this matter. I received a phone call from *********************** at ************ I tried to talk to him to explain this is identity theft, but he kept yelling at me and said my husband took out a loan and paid them ****** but it's untrue, the bank account that the payment was made from is not our account. He kept yelling at me and I was trying to explain to him, but he just didn't want to communicate and I asked him to send me all the document that he says my husband took out a loan. He yelled and then hung up on me. Not how a business conversation should go. He keeps harassing us, keeps calling and leaving argumentative messages.

  Business Response

  Date: 01/11/2023

  Hello,

   

  We are in receipt of this recent complaint. We were able to locate two accounts under your name and *****************' name. The account numbers are ******** and ********.

   

  We encourage you to contact our office at ************ to discuss this further if you are claiming fraud. A representative will be happy to assist you.

   

  Thank you,

   

  Debt Recovery Solutions, LLC

• Initial Complaint

  Date:01/10/2023

  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 Dec. 29, 2022, I checked my credit report and noticed that I had an account in collections from DRS. I have not received any correspondence or communication in regard to the debt which is violating the ****** 809 Validation of debts. I request that this debt nullified and removed from my credit profile.

  Business Response

  Date: 01/11/2023

  Hello,

   

  We are in receipt of this recent complaint. After further review, your account shows that we have sent you several notices to your residence, notifying you of this account before it went onto your credit report. Please contact our office at ************ to discuss this further, and a representative will be more than happy to assists you.

   

  Thank you,

   

  Debt Recovery Solutions, LLC

• Initial Complaint

  Date:12/27/2022

  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.

  As of December 2022, I noticed this company DRS is reporting incomplete and inaccurate information on my credit report. Along with that I have never given this company permission to furnish my consumer report. *** **** TRUTH IN LENDING ACT *** **** It defines me as the original creditor I have never given this agency consent to view or report any information. This is an unlawful act, and my credit has been damaged as a result. This company has invaded my privacy and this information needs to be deleted from my consumer report

  Business Response

  Date: 12/27/2022

  Hello,

   

  We are in receipt of this recent complaint. Please provide our office with the *** reference number.

   

  Thank you,

   

  Debt Recovery Solutions, LLC

• Initial Complaint

  Date:12/21/2022

  Type:Billing 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.

  On October 19, 2022, and again on November 7, 2022 Debt Recovery Solutions, LLC received my dispute letters requesting verification of the debt they are reporting to the credit bureaus. I do did recall having any obligation to any creditor in the amount they claim I owe. As of today, I have not received a reply to my request for verification of the account the debt collector is reporting to ***********. The debt collector violated 392.301(a)(3) of the ***** Finance Code when they continued collection activity on an account they failed to validate after they were notified in writing within the specified 30 days. I am respectfully requesting the prompt removal of the account from my credit report. I am making every effort to resolve this matter without presenting my case before a courtroom jury in my community. I look for **** to your cooperation in this matter.

  Business Response

  Date: 12/23/2022

  Hello,

   

  We are in receipt of this recent complaint. Our records show that we sent our validation of this debt to you on 10/31/2022. Assuming you did not receive this, our office has decided to closed this account and return it back to our client.

   

  Thank you for your patience during this time.

   

  Debt Recovery Solutions, LLC

  Customer Answer

  Date: 12/27/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me and the matter has been resolved.
  
  Sincerely,
  
  *****************************
  
  
  
   
  
  

• Initial Complaint

  Date:12/21/2022

  Type:Service or Repair 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 checked my credit report this year and there is a loan showing on the report for $3,960. It shows the loan was open on 8/25/2022. It has very derogatory remarks on my report saying that the loan is 3 months past due, but I never opened a loan for this amount. This is false information and needs to be corrected. I have not taken out a loan in 2022. If this is an incorrect date my report needs to be updated to reflect correctly. I've tried calling debt recovery solutions to get them to update the record but they are saying that they cannot change the record. When I disputed this with Transunion, Experian, and Equifax and all three stated that this meets FCRA requirements. They also shared that the loan wasn't opened 8/25/2022, but it went into collections back in 12/2018. The problem for me is that on my credit report, it is being displayed like this is a brand-new loan, when in actuality this loan is extremely old. The dates should reflect that on my credit report and it is not. I don't know what more to do about this issue. The confusion came about when it was put on my credit like it was opened this year. I thought I had encountered identity theft, and the confusion could have been avoided if Debt Recovery Solutions had put accurate information on my credit report. I don't feel comfortable with discussing payment arrangements because based off of the reviews about this company, there are multiple people stating that they have paid and it hasn't gotten removed from their credit report. I am asking for help to resolve this matter. Attached are the screenshots from Transunion, Experian, and Equifax where it is being advertised that this loan was opened 8/25/2022. As you can see, 12/2018 is no where on my credit report. They are making it seem like this is a brand new loan.

  Business Response

  Date: 12/23/2022

  Hello,

   

  We are in receipt of this recent complaint. As stated in a previous email from our office, the date reflected on the credit report is the date we received this account in our office.

   

  This is how the credit bureaus reflect the tradeline. This is out of our hands to alter or change.

   

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

   

  Debt Recovery Solutions, LLC

  Customer Answer

  Date: 12/27/2022

  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:

  Attached you will see ***************************** response to the complaint that I had put in with Consumer *************************** and it's contradictory with the response that he has provided here. With the Consumer ***************************, he states that "In light of your concerns, we will submit instructions to the credit reporting agencies to delete our update." Now with the Better Business Bureau, he said, "This is how the credit bureaus reflect the tradeline. This is out of our hands to alter or change." So I am confused about this because you say that you are going to make changes, but then you say you can't make any changes. I have spoken with TransUnion, Equifax, and Experian and all three told me that they can not change the way this account is being reported. They informed me to get in contact with Debt Recovery Solutions to get them to make changes to the way they are reporting this account. I am confused right now. I just want a consistency and this matter resolved. 

   

   

   

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

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

  Business Response

  Date: 12/28/2022

  Hello,

   

  After further review, our office has closed this account, and will be sending this back to our client. We will also be removing any tradeline that might be on your credit report.

   

  Thank you,

   

  Debt Recovery Solutions, LLC

  Customer Answer

  Date: 12/29/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me and the matter has been resolved.
  
  Sincerely,
  
  ***************************
  
  
  
   
  
  

• Initial Complaint

  Date:12/12/2022

  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 do not owe ADVANCE America . I have no agreement with DRS and the have not provided me with the original contract.

  Business Response

  Date: 12/12/2022

  Hello,

   

  We are in receipt of your recent complaint. Please provide your DRS reference number. If you do not have this, please provide your full name and the last 4 digits of your SSN so that we can best locate this file for you.

   

  Thank you,

  
  Debt Recovery Solutions, LLC