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:02/21/2025

  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.

  To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.DRS (Original Creditor: PURPOSE FINANCIAL/ADVANCE) ACCT #: **************** ***. $1,342.00 Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

  Business Response

  Date: 02/21/2025

  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 PURPOSE FINANCIAL/ADVANCE, 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.

  We will request supporting documentation from our client to send to you in the meantime.
  
  Please contact our office at ************ to discuss this account further. Your account number is ********.
  
  Thank you,
  
  Debt Recovery Solutions, LLC

• Initial Complaint

  Date:02/20/2025

  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 and I do not have a contract with DEBT REC SOL plus they did not provide me with the original application like I asked.Account No: ************ Amount Disputed: $2836

  Business Response

  Date: 02/21/2025

  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:02/19/2025

  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 CHECK N GO and I do not have a contract with DEBT RECOVERY SOLUTIONS plus they did not provide me with the original application like I asked.Account ******************* Amount Disputed: $5,163.00

  Business Response

  Date: 02/21/2025

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

• Initial Complaint

  Date:02/19/2025

  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 have a debt that originated with ******************* and is now with Debt Recovery Solutions LLC. It is $3067.82. I called Debt Recovery Solutions and tried to set up a pay agreements. The *** said $500 down and $100 a month. I agreed and asked for a payment agreement letter. He said he would email it. I never got the email so I called back and a woman told me well NEVER send a letter we never have and never will you just pay it and keep your receipts. When I told her I was offered a payment arrangement and letter she told me too bad youre not getting one. I called the original debtor plaza services and he told me they are the same company as debt recovery solutions and there was nothing he could do. I called debt recovery and the *** told me to stop calling because Im not getting a payment arrangement or letter I asked for a supervisor and he transferred me to a voicemail. I have the right to negotiate or set a payment arrangement to cure the debt and they are refusing to do so.

  Business Response

  Date: 02/21/2025

  Hello,

   

  We are in receipt of this recent complaint. We will have a letter emailed to you immediately. Apologies for any inconvenience.

  
  Thank you,

   

  Debt Recovery Solutions, LLC

  Customer Answer

  Date: 02/21/2025

  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:02/19/2025

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

  Customer Answer

  Date: 02/19/2025

  Thank you for your response regarding my complaint against Debt Recovery Solutions, LLC.
  Unfortunately, I do not have written documentation of my request, as my initial contact with Debt Recovery Solutions was made over the phone on 1/7/25. During this conversation, I specifically requested proof of the original contract or other verification of the debt. The representative informed me that the requested documentation would be mailed to my address, but I have yet to receive anything.
  Given that I have not received the verification as required under the Fair Debt Collection Practices Act (FDCPA), I am seeking the BBBs assistance in ensuring that Debt Recovery Solutions fulfills its obligation to provide this information. If they are unable to provide proper verification, I request that they cease collection efforts and remove any related negative reporting from my credit file.
  Please let me know if any further information is needed. I appreciate your time and assistance in resolving this matter.

  Business Response

  Date: 02/21/2025

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

• Initial Complaint

  Date:02/18/2025

  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.

  To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. ****************** - **************** - $1,311 Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

  Business Response

  Date: 02/21/2025

  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.

  We will request supporting documentation to be sent to you in the meantime.
  
  Please contact our office at ************ to discuss this account further. Your account number is ********.
  
  Thank you,
  
  Debt Recovery Solutions, LLC

• Initial Complaint

  Date:02/18/2025

  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.

  Debt Recovery Solutions (DRS) has reported two separate debts from ***************** to the credit bureaus without providing proof of validation. These debts were reported to ********************* on 2/7/25 and to Equifax on 2/11/25. I have no contract with ***, and they have failed to show they have legal authority to collect either of these ********* of these accounts was previously reported by another collection agency in 2023 and was successfully removed from my Experian credit report after being disputed. Now, *** is attempting to re-report the same debt under a different account number, which raises serious concerns about their compliance with **** 611(a)(1)(A).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.Additionally, DRS has violated FDCPA 1692c(b) by contacting my family members regarding this debt without my consent. They also left a misleading voicemail without identifying themselves as a debt collector, violating FDCPA 1692d(6).Since they reported two debts, one of which was previously deleted, I am demanding that *** immediately provide full documentation for both accounts, including the original contracts, all itemized charges, and proof of ownership. If they cannot provide this, they must delete both accounts from all credit bureaus (**********, Experian, Equifax).If they fail to comply, I will escalate this complaint to the ***, CFPB, and my State Attorney General.

  Business Response

  Date: 02/21/2025

  Hello,

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

   

  Thank you,

   

  Debt Recovery Solutions, LLC

  Customer Answer

  Date: 02/21/2025

  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]

   
  Dear Debt Recovery Solutions,

  
  You reported a collection account to the credit bureaus under my name. That means you already have my identifying information, as you furnished the data to Experian, Equifax, and TransUnion.
  

  The account numbers you reported are **************** and ****************, and my full name is already attached to this complaint.
  Lack of Contract and Authorization
  

  - I have no contract or agreement with DRS. If you claim otherwise, you are required under FDCPA 809 to provide documentation proving that I have a legally binding obligation with your company.
  - I never authorized DRS to report this alleged debt to my credit reports. Under **** 623, a company may only furnish information to credit bureaus if they have a legal basis to do so.
  - If you are reporting this debt without proper documentation and a legal right to collect, this is a direct violation of the Fair Credit Reporting Act.
  

  Formal Request for Debt Validation
  

  I am formally requesting that DRS provide 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 legally obtained the right to collect this debt from ****************** including:
  - All sale, transfer, or assignment agreements from ***************** to ******************* to DRS.
  - The exact date and terms of each transfer and proof that proper documentation was included.
  - Evidence that DRS has the legal authority to collect in my state.
  

  Possible Illegal Re-Aging & FCRA Violations
  

  - This account was previously reported by another collection agency and was deleted from Experian in 2023 due to failure to validate.
  - Your attempt to re-report the same debt under a different account number strongly suggests illegal re-aging under FCRA 605(a).
  - Additionally, **** 611(a)(5)(B) requires credit bureaus to notify consumers in writing if a previously deleted account is reinserted. I received no such notice from Experian, which means DRS has likely violated federal law.

  
  Final Demand & Legal Consequences
  

  If you cannot provide the required documents, I demand that you immediately request removal of this account from all credit bureaus.
  

  Failure to provide full validation will result in:
  

  - A formal complaint to the ************************ (***) for furnishing unverifiable debt.
  - A complaint to my State Attorney General for unfair and deceptive collection practices.
  - Legal action under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA).
  

  I expect a full response within 10 days. Failure to comply will result in immediate escalation. 

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

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

  Business Response

  Date: 03/06/2025

  Hello,

   

  We are in receipt of this response. As we have done all that we can to push this deletion on our end, we will consider this resolved.

   

  Thank you,

   

  Debt Recovery Solutions, LLC

  Customer Answer

  Date: 03/09/2025

  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:02/13/2025

  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 has placed a collection on my Equifax, Experian, and ********** credit report. I am 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 I requested. I request this debt be removed immediately.

  Business Response

  Date: 02/21/2025

  Hello,

   

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

   

  Thank you,

   

  Debt Recovery Solutions, LLC

• Initial Complaint

  Date:02/11/2025

  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 **********. I do not have a contract with ************************, and they did not provide me with an original contract as I requested.

  Business Response

  Date: 02/14/2025

  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.

  We also see that documentation to validate this matter was sent to you on 1/22/2025.
  
  Please contact our office at ************ to discuss this account further. Your account number is ********.
  
  Thank you,
  
  Debt Recovery Solutions, LLC

  Customer Answer

  Date: 02/17/2025

  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:

  I have NEVER received any type of verification, or proof that I owed any debt or ANYTHING from this company or any other company they represent. This company reported to my credit without notice and I have been trying to get proof of this debt for months now. If they sent a notice then please upload it here so that I may receive it. Everyone so called listed is in violation of code 15 USC 6801.

   

   

   

   

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

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

  Business Response

  Date: 02/21/2025

  hello,

   

  We are in receipt of this recent response. We will resend the documents that were previously sent out to you.

   

  Thank you,

  
  Debt Recovery Solutions, LLC

• Initial Complaint

  Date:02/10/2025

  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 *************. I do not have a contract with Debt Recovery Solution. They did not provide me with the original contract as requested.

  Business Response

  Date: 02/14/2025

  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

  Customer Answer

  Date: 02/14/2025

  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 I do not have a contract with Debt Recovery Solutions Or Cash Link USA I  have Attached a copy of my FTC report and ************ breach reference #. This account is a result of Identity theft and fraud due to information being apart of the and not limited to the ************ breach. I demand that this account be deleted from credit report files within 4 days of this notice. As required by the **** AND FDCPA rrules and regulations.

   

   

   

   

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

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

  Business Response

  Date: 02/14/2025

  Hello,

   

  We are in receipt of this recent response. We will review this proof with our client. If the client requests our office to close this matter, we will close and notify you.

   

  Thank you,

   

  Debt Recovery Solutions, LLC