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:04/14/2025

  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.

  According to the Fair Credit Reporting Act, Section 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. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof, an original consumer contract with my signature on it, the assignment contract, and the purchase agreement that you have on file for the account listed. Per FCRA Section 605B it is illegal to report information on my credit report without my permission.Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the ****, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.Also, in accordance with the provisions of the Fair Debt Collection Practices Act (FDCPA), specifically 15 U.S.C. 1692c(c), if you are unable to validate the listed accounts, I am formally requesting that all collection activities and communication with me regarding the above-referenced account(s) cease immediately.Furthermore, I am requesting that you take the necessary steps to remove any and all references to this debt from my credit report. It is my understanding that, in accordance with the ****** once a consumer makes a written request to cease communication, debt collectors are required to cease reporting or contacting regarding that debt. I trust you will honor this request and take appropriate action to remove the collections account(s) from my credit report, as it no longer reflects any valid or current financial obligation.

  Business Response

  Date: 04/14/2025

  Hello,

   

  We are in receipt of this recent complaint. After further review, we do see that this is the first time you have requested validation of this matter. With that said, we will contact our client to retrieve supporting documentation to validate this matter. Once we receive, we will send to you for review.

   

  Thank you,

   

  Debt Recovery Solutions, LLC

• Initial Complaint

  Date:04/09/2025

  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 seen they added a collection to my credit report. I'm assuming they are collecting for Plaza, I may have already sent a letter to them if so. Plaza lied, and broke both debt collecting laws, as well as federal lies trying to collect this false debt. They have not validated the debt, nor validated the amount of the debt, so therefore Plaza legally cannot collect. They have been given over a year to do so, and have not. I told them the debt was wrong, gave them time to correct it and they have not, I've told them I do not wish to be contacted, and they have continued to harass me. I already disputed the debt with the credit bureaus and got it taken off once. So if you are collecting for them, they legally cannot collect, which means they cannot have someone else collect, nor can they sell it to someone else. I have already contacted the Indiana Attorney General in regards to the illegal activities Plaza had done. I will not pay a ***** on this debt, and I've already have to fight others who have done this sort of thing, trying to scam me, and I won, so if you try to pursue, I will not budge and have all the proof and I will fight and make sure you do not get away with this. I do not owe you or Plaza $4066.00 and will not pay for something I do not owe. I will give you 30 days to delete this from my credit report and either send it back to Plaza, or delete it from your record, cause I've received no proof in over a year, it's done.

  Business Response

  Date: 04/09/2025

  Hello,

   

  We are in receipt of this recent complaint. After further review, it seems as though we have yet to speak with you since receiving this file on 3/11/2025, thus never receiving a request for validation of this debt.

   

  Please note that after much review, we will be closing this matter and returning it back to Plaza. Please allow ***** business days for our tradeline to be removed from your credit report.

   

  Thank you,

  Debt Recovery Solutions, LLC

• Initial Complaint

  Date:04/02/2025

  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.

  Debt Recovery Solutions (DRS-NY) has reported a debt from ********** to the credit bureaus without providing proof of validation. These debts were reported to all 3 credit bureaus in October 2024. I have no contract with ******, and they have failed to show they have legal authority to collect on this account. I have requested on multiple occasions for the debt to be verified and I have never received anything. I have disputed through credit bureaus on multiple occasions and was notified that the company verified the debt without ever providing me verification. Under FDCPA 809, a debt collector must provide a copy of the original signed contract, an itemized statement, and proof that they legally own or were assigned the debt. ****** has failed to provide this despite multiple disputes.I am demanding that ****** immediately provide full documentation, including the original contracts, all itemized charges, and proof of ownership related to the referenced account number. If they cannot provide this, they must delete from all credit bureaus. Failure to comply will result in escalation of complaint to regulatory offices.

  Business Response

  Date: 04/02/2025

  Hello,

   

  We are in receipt of this recent complaint. After further review, we do see that we sent you supporting documentation to validate this matter on 11/25/2024.

   

  If you did not receive this, we will request to have this resent to you.

   

  If you wish to discuss further, please contact our office at ************.

   

  Thank you,

   

  Debt Recovery Solutions, LLC

  Customer Answer

  Date: 04/03/2025

  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 suggests that supporting validation documents were sent in November 2024. However, that information was never received. I am formally requesting that DRS-NY provide copies of those documents in addition to the following within 10 days:

   Full validation of this alleged debt, including a signed contract proving I agreed to this debt
   A detailed breakdown of charges and payment history, showing how the balance was calculated
   A complete chain of assignment, proving how DRS-NY legally obtained the right to collect this debt to include:
  

  1) All sale, transfer, or assignment agreements to DRS-NY
  2) The exact date and terms of each transfer and proof that proper documentation was included
  3) Evidence that DRS has the legal authority to collect in my state

  In accordance to FCRA statute, if you cannot provide the required documents, I demand that you immediately request removal of this account from all credit bureaus. 

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

  Business Response

  Date: 04/03/2025

  Hello,

   

  We are in receipt of this recent response. Our office has emailed you the requested copies of what was previously sent, along with the cover letter from November. Please check your inbox for these materials.

   

  Thank you,

   

  Debt Recovery Solutions, LLC

  Customer Answer

  Date: 04/05/2025

  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:

  Company has indicated that they are unable to provide all required information to properly validate debt, specifically the following:

  - Record of the means in which the original validation request was received as required by FDCPA and proof that this original information was mailed to the listed address as mandated by Sec 809 of FDCPA; and

  - The account statement at charge-off, or equivalent document, that the original creditor issued; and

  - The itemization date chose along with an itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date; and

  - A statement describing the debts complete chain of title from the original creditor to you, the present creditor, including the date of each assignment, sale and transfer as the documentation provided shows ******************* as the current creditor;

  This debt is deemed unverified and should be removed from all credit reporting due to noncompliance with the **** and the FTCPA. 

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

• Initial Complaint

  Date:04/01/2025

  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 honestly dont get why DRS is reporting this debt under my name because I dont owe them anything. I never signed anything with them, and when I asked for a copy of the original application, they didnt even bother to provide it. Its frustrating because this is hurting my credit for no reason, and its just not fair. How can they just put something on my report without any proof?Account No: ************* Amount Disputed: $456

  Business Response

  Date: 04/01/2025

  Hello,

   

  We are in receipt of this recent complaint. After further review, we were able to locate this matter in our office. Your DRS reference number is *********

   

  We will request supporting documentation from our client for you. Once we receive this, we will send this to you to review.

   

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

   

  Thank you,

  
  Debt Recovery Solutions, LLC

• Initial Complaint

  Date:04/01/2025

  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 in response to the letter I received from your company regarding an alleged debt. The letter, dated within the last 30 days, references an account with the number ************** and the amount owed.Under the Fair Debt Collection Practices Act (*****), a disputed debt cannot appear on my credit report unless it is supported by evidence (15 USC 1692g). Additionally, under 15 U.S. Code 1681b, consumer reports can only be used for permissible purposes.Request for Verification: I am requesting that you immediately delete this account from my records in compliance with 15 U.S. Code 1681e(b) and 15 U.S. Code 1681i(5). Please provide verification that I owe this debt, as required by federal and state laws (12 CFR Part 1006 / 15 U.S. Code 1692g). If necessary, please contact the creditor to obtain this verification.Cease Collection Efforts: In accordance with the ***** and the Fair Credit Reporting Act (FCRA), I am instructing you to cease collection efforts while verification is pending. You should not contact me or any third parties, including my employer, family, or friends, regarding this matter. Please ensure that all future correspondence is sent to me in writing.Reporting to **************** Until this matter is resolved, you must not report negative information about this debt to any credit reporting agency. If negative information has already been reported, please notify the credit bureau(s) to have it removed or updated to reflect my ************ Steps: Please inform me in writing of the following:Whether the creditor has failed to verify the debt, and the matter is closed.If the debt is confirmed, provide proof of my responsibility, including all relevant documents such as the application, bills, and payment records.Please do not contact me by phone at my home or work. Acknowledge receipt of this letter within 14 days.

  Business Response

  Date: 04/02/2025

  hello,

   

  We are in receipt of this recent complaint. After further review, we see that we have sent several notices attempting to contact and notify you of this matter before it got placed onto your credit report. The first communication sent was 1/10/2025. After a period of time, we did not hear back from you, and proceeded with the collection process which includes credit reporting.

   

  We encourage you contact our office at ************ to discuss your matter further. Your DRS reference number is *********

   

  Thank you,

   

  Debt Recovery Solutions, LLC

• Initial Complaint

  Date:03/31/2025

  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.

  Recently a debt has came up on my credit report belonging to debt recovery from snap finance. I have emailed and requested a copy of anything I owe them. I have previously spoken to snap finance about identity fraud and was told this account was shut down as it did not belong to me. I ask that this be removed from my credit report

  Business Response

  Date: 03/31/2025

  Hello,

   

  We are in receipt of this recent complaint. After further review, we do see that we spoke to you earlier today, and we will be requesting documentation to be sent to you for review.

   

  Thank you,

   

  Debt Recovery Solutions, LLC

• Initial Complaint

  Date:03/31/2025

  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 recently settled an account with DRS in exchange for a deletion of account, but after settling the account instead of removing it they keep reporting a balance which is hurting my profile. Ive tried numerous times to resolve with company but nothing has changed and they are reporting innacurate information that should be removed immediately according to law.

  Business Response

  Date: 03/31/2025

  Hello,

   

  We are in receipt of this recent complaint. After further review, we see that the final payment was made on 3/5/2025. The process for tradeline removals takes between ***** business days, if not sooner. Since this timeframe has not completed yet, please allow several more days to see this tradeline removal.

   

  Thank you,

   

  Debt Recovery Solutions, LLC

• Initial Complaint

  Date:03/28/2025

  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 honestly dont get why DEBT REC SOL is reporting this debt under my name because I dont owe them anything. I never signed anything with them, and when I asked for a copy of the original application, they didnt even bother to provide it. Its frustrating because this is hurting my credit for no reason, and its just not fair. How can they just put something on my report without any proof?Account No: ************ Amount Disputed: $1864

  Business Response

  Date: 03/28/2025

  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 *******************. ************************;hired our agency 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:03/28/2025

  Type:Order 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 paid an account in full and was told I would receive a Paid in Full Letter within 3 business days, after not receiving the letter I reached out to the company and each time I requested the Paid in Full Letter I was hung up on by the representative. They had no problem taking the payment but refuse to send the confirmation.

  Business Response

  Date: 03/28/2025

  Hello,

   

  We are in receipt of this recent complaint. We will send you a copy of this letter to your email immediately.

   

  Thank you,

   

  Debt Recovery Solutions, LLC

  Customer Answer

  Date: 03/31/2025

  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:03/28/2025

  Type:Sales and Advertising 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 was notified that I had a new account that was added to my credit. When I checked I had an account with **********************. I contacted them where the individual only read the name of the original creditor. When I asked for more details the male stated he would have to file a dispute and get the information from the original creditor. He got my email and then hung up. So I contacted the original creditor and they informed me that I don't have any debt with them. They don't have any installments in my name. The individual from debt recovery solutions stated I had an active installment. With is false I don't have any debt with them.

  Business Response

  Date: 03/28/2025

  Hello,

   

  We are in receipt of this complaint. After further review, we do see that you have an outstanding matter in our office under our client, **********************. The original creditor was PURPOSE FINANCIAL/ADVANCE. The date of service on this matter was 10/29/2019.

   

  Please contact our office at ************ to discuss further. Your DRS reference number is 48466681.

   

  Thank you,

   

  Debt Recovery Solutions, LLC

  Customer Answer

  Date: 03/30/2025

  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]

   You still have not told me what this debt is and shown me proof that this debt is legitimately mine. All you keep saying like the call center guy is I have an installment. I'm requesting proof showing that I have a debt with this national debt. I have never received any information in the mail about this debt and it just showed up on my credit a couple weeks ago. If the debt was opened in 2019 why have you put it on my credit as brand new debt?

   

   

   

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

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

  Customer Answer

  Date: 04/01/2025

  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]

   

   After speaking with some individual from debt recovery solutions on the phone he tells me that it should take up to 30 days to receive an email from them and documents sent to me. The individual denied the claim I made about advance america saying they have no record of me creating a debt. The man states that it's charged off and that they sold it to them that's why they can't see it. *************** has stated after calling them that it would still be in the system if I had a debt with them charged off or not. So I'm still being lied to about this debt. The man then starts asking me about some random medical bills and going completely off topic trying to get me to admit to other things. He starts asking me if I have medical bill debt. The man then proceeds to attempt to tell me that the law told them they can report old debt as brand new debt. The law allows them to do it.  When I told him that his other employee i spoke with did not tell me that I have to wait 30 days to receive my information to verify if the debt is legitimately mine he says he will look into it. Still ending the conversation with no bill of sale or proof showing that debt is mine.

   

   

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

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

  Business Response

  Date: 04/02/2025

  Hello,

   

  We are in receipt of this recent response. I apologize if you received a wide range of information from the collection agent, but I can assure you that within ***** business days (if not sooner), we will be able to send you supporting documentation from our client that validates this matter.

   

  Thank you,

   

  Debt Recovery Solutions, LLC