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:08/26/2024

  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 charter communications, I do not have a contract with Debt Recovery Solutions, LLC.

  Business Response

  Date: 08/27/2024

  Hello,

   

  We are in receipt of this recent complaint. After further review, you do not have a contract with our office,however, you did have a contract with ADVANCE AMERICA, who works directly with our client *************** LLC. *************** LLC 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: 08/27/2024

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

  Please provide evdience of them hiring you. - 

   

   

   

   

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

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

  Business Response

  Date: 08/28/2024

  Hello,

   

  We are in receipt of your recent response. As we cannot provide "evidence of hire", you are free to contact *************** LLC at ************ regarding this matter, and they will likely pass you along to our office.

   

  Thank you,

  
  Debt Recovery Solutions, LLC

• Initial Complaint

  Date:08/26/2024

  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 DEBT RECOVERY SOLUTIONS Account, opened on Dec 27, 2023 as listed on my EXPERIAN, ******************** CREDIT REPORT was not OPENED by me in-person, by phone or on-line, nor did I PROFIT from this ACCOUNT having been opened and nor did I give my AUTHORIZATION for anyone else to OPEN this account. It is not clear to me why this incorrect account information is being reported within my Credit Report as well as the payments made on this Account. My best guess is that the SAME PERSON WHO FRAUDULENTLY OPENED THIS ACCOUNT - also MADE PAYMENTS on this Account in an effort to attempt to CLEAN UP the Account Opened and perhaps OPEN-UP other Accounts in the Future.Someone else of whom I do not know has clearly misused my Name and Personal Information to OPEN THIS FRAUDULENT ACCOUNT. Yet the CREDIT REPORTING AGENCY claim that the DEBT RECOVERY SOLUTIONS COMPANY (Hereafter The Creditor) have VERIFIED this account as belonging to me WITHOUT providing them or me with a COPY of the Original dated CONTRACT bearing my legal signature, failure to do so makes it impossible to have verified this account as belonging to me. The Creditor has been Simply producing to the CREDIT REPORTING AGENCIES a STATEMENT of an alleged debt that is allegedly associated with MY NAME, which clearly are not SUFFICIENT PROOFS to Verify this Account as belonging to me because the person who fraudulently opened this account has obviously provided the Creditor with my Name and personal Information, the very reason why I disputed this account in the first place! Therefore, the **** HAS NOT been legally VERIFIED and the ************************* simply do not have a legal right to report the debt.

  Business Response

  Date: 08/27/2024

  Hello,

   

  We are in receipt of this recent complaint. After further review, we see that this matter was sent back to our client, *************** LLC. Please contact them at ************.

   

  Thank you,

  
  Debt Recovery Solutions, LLC

  Customer Answer

  Date: 08/29/2024

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

   [This business is the very one reporting the DEBT/ACCOUNT as belonging to me, without any proof (copy of the Original Dated CONTRACT bearing my legal signature that would give them authorization to report the DEBT/ACCOUNT. It is not "THEIR CLIENT" who is reporting this Debt/Account to the CREDIT BUREAUS but it is them as I previously stated. I have nothing to do with this business and its CLIENT but I am being affected by its actions of reporting this fraudulent account to the Credit Bureaus. Wherefore, as of NOW, this business needs to simply have this ACCOUNT BLOCKED & DELETED asap!]

   

   

   

   

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

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

  Business Response

  Date: 09/05/2024

  Hello,

   

  As stated previously, this matter is no longer in our office. Please contact *************** LLC to discuss further.

   

  Thank you,

   

  Debt Recovery Solutions, LLC

  Customer Answer

  Date: 09/05/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because: the business continues to say that I need to contact another business to discuss this matter, which is absurd, since this business (debt resolution) is the one who in fact are the ones who are REPORTING THIS FRAUDULENT ACCOUNT to the credit bureaus. Wherefore, I have no reasons to contact anyone else. Therefore, either have this account blocked & deleted from reporting on my credit reports or produce the original dated contract bearing my legal signature for this account!

  [Your Answer Here]

   

   

   

   

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

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

• Initial Complaint

  Date:08/23/2024

  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.

  This company has put a collection account on my credit report for $678 and I have no idea what it is from. I never received a single letter, call or any type of correspondence from them notifying me of any collection account, or giving me any opportunity to request confirmation or validation of whatever this is. I am right in the middle of the mortgage application process, and this company has just created a HUGE problem for me by placing derogatory information on my credit report with zero notification whatsoever.

  Business Response

  Date: 08/26/2024

  Hello,

   

  We are in receipt of your recent complaint. After further review, we do see that we attempted to contact you on 8/1/2024, but we did not hear back from you.

   

  We will reach out to our client, Huntington Debt Holding, to obtain supporting documentation to validate this matter in our office.

   

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

   

  Thank you,

   

  Debt Recovery Solutions, LLC

  Customer Answer

  Date: 08/27/2024

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

  I reject the response from the business for several reasons. First and foremost, it is not my account, and the reporting of this collection to all 3 credit bureaus without prior written notification is a violation of Federal laws. Specifically, the Fair Debt Collection Practices, and Fair Credit Reporting Acts. I have no contract with the collection agency, or the original creditor for whom they are representing (Huntington debt management?). I received no prior notification of this account, written or otherwise, as claimed in their response, and required by Federal law from DRS OR the original creditor. I was not provided initial notice/******* letter as mandated under Federal statute. The only notification Ive received was on August 23rd when this derogatory account suddenly appeared on my credit report. I contacted DRS by phone first thing Saturday morning and spoke with a representative who advised me of the original creditors name. I looked it up online and it shows a cash advance company that doesnt even operate in, and is not licensed to do business in the State of ****! I questioned why there was no prior written notification of this alleged debt, and why I wasnt provided my right to request validation/verification prior to the derogatory account being placed on my credit reports. He told me that they sent 2 different letters to notify. I asked to what address they were sent because I received absolutely nothing at my home address, and he gave me an address of a former acquaintance of mine where the 2 letters were sent (at whose house I have never lived), and said he had another address associated with my name on file that I told him I had lived at about 10 years ago. So now this company has not only failed to notify me as required by law, but they have admittedly sent potentially personal/sensitive information to the home of a former acquaintance of mine who I am no longer on good terms with, as well as to strangers unknown to me who are now living at an address I lived at MANY years ago. I demanded an explanation to why I was never given prior notice, or the ability to validate, and I was told well you can request it now. We both know thats not how the law works. Notification/******* letter must occur PRIOR tonot after the fact. I did provide the agent with my current address and requested that ALL documents including contracts, dates/locations of transaction, and otherwise be sent to me immediately to examine for the potential of being ID theft and or unauthorized use of my personal information.
  I also called the original creditor directly to try to get information on this account, but when they asked me which state I reside in and I told them ****, they informed me that our products arent available, nor do we have any store locations serving your state, so I got absolutely nothing out of them. 
  I have great creditat least I did before this thing appeared on my credit report. I am in the middle of the mortgage underwriting process, and this is something that needs dealt with IMMEDIATELY before the next phone call I make will be to my attorney to pursue swift legal action for the aforementioned violations of any and all applicable sections of the **** and FDCPA. 
  At this time I am requesting, or demanding, for lack of a better word, the removal of this tradeline from all 3 major credit reporting bureaus, as I have no knowledge of, nor was I provided prior notification or my right to dispute within the initial 30 days as required under law. The notification you claim to have sent was sent to an address I have never lived at and has likely exposed personal and sensitive information to a person that I do not trust. I will not hesitate to take swift and appropriate legal action if necessary. 
  
  
  

   

   

   

   

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

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

  Customer Answer

  Date: 08/29/2024

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

  I acknowledge the response from DRS stating that the account would be closed and removed from my credit reports. However, the timeframe of ***** that was given is not acceptable. It does not take ***** days to close an account and request deletion of a trade line from the credit bureaus. I am closing on a home loan in less than 3 weeks and this needs to be resolved prior to then. 

   

   

   

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

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

  Business Response

  Date: 08/29/2024

  Hello,

  
  We are in receipt of this recent response. Unfortunately, that is the timeframe that the credit bureaus provide us to inform consumers like yourself. It can certainly be sooner than that, but that is approximate.

   

  Thank you,

   

  Debt Recovery Solutions, LLC

• Initial Complaint

  Date:08/20/2024

  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 am not liable for this debt with Snap Finance, I DO NOT HAVE A CONTRACT with Debt Recovery Solutions, LLC who also goes by the name DRS, they did not provide me with the original contract as I requested. I dont kno how they got my personal information. This is Fraud and defamation of character.

  Business Response

  Date: 08/20/2024

  Hello,

   

  We are in receipt of this recent complaint. After further review, you do not have a contract with our office,however, you did have a contract with SNAP FINANCE, who works directly with our client ****************** LLC. ****************** LLC 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: 08/21/2024

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

  [Your Answer Here]

  You agreed i didnt Have a contract with your company.  So you are committing fraud. You admitted to me not having a contract with your office. So this is violation of my federal rights and as a consumer I have a right to privacy. So if you have no contract or my written consent that's identity theft. You speak of Reel ************* LLC. Reel ************* LLC, I don't have a contract with them either. Yall are passing my personal information from company to company without my permission or consent and that's identity theft.  I demand A CEASE AND DESIST from all communications , CEASE AND DESIST from use of my personal information and CEASE AND DESIST from reporting a negative information to the agencies Transunion , Experian , Equifax. And CEASE AND DESIST for improperly using my name for anything. I demand this fraudulent account deleted from my credit report immediately. 

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

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

  Business Response

  Date: 09/05/2024

  Hello,

   

  We are in receipt of this response. This matter is now closed in our office. We will also be removing this tradeline from your credit report.

   

  Thank you,

   

  Debt Recovery Solutions, LLC

  Customer Answer

  Date: 09/05/2024

  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:08/15/2024

  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 was never contacted by Debt Recovery Solutions regarding this debt. It was placed as a collection account to my credit reports on July, 12 2024 without any warning or communication from Debt Recovery Solutions. I do not have a contract with Debt Recovery Solutions, therefore I am not responsible for paying this debt. I am requesting a copy of the signed contract that pertains to this account from Cash Net USA. If it cannot be validated, it needs to be removed from my credit reports as this has damaged my reputation and credit scores.

  Business Response

  Date: 08/19/2024

  Hello,

   

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

  Also, our office did send an initial notice to your residence on 7/17/2024, attempting to notify you of this matter before it was processed to the credit bureaus.
  

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

  Customer Answer

  Date: 08/23/2024

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

  [Your Answer Here]

   

   I have not received any letter or communication from Debt Recovery Solutions regarding this matter. They say a letter was mailed to me on 7-17-2024, but that is not the case. I have received nothing from them.

   

   

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

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

  Business Response

  Date: 08/26/2024

  Hello,

   

  We are in receipt of this response. As we do see a notice was sent to you on that date attempting to contact you prior to this tradeline being put on your credit report, we encourage you to discuss this matter further with our office.

   

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

   

  Thank you,

   

  Debt Recovery Solutions, LLC

• Initial Complaint

  Date:08/12/2024

  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 charter communications, I do not have a contract with Debt recovery solution. The did not provide me with the original contract as I requested.

  Business Response

  Date: 08/12/2024

  Hello,

   

  We are in receipt of this recent complaint. After further review, we were able to locate your matter in our office. Your DRS reference number is 46571592.

   

  We will work on obtaining any and all supporting documentation for you to validate this matter.

   

  Once we receive this, we will send directly to you.

   

  Thank you,

   

  Debt Recovery Solutions, LLC

  Customer Answer

  Date: 08/13/2024

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

  Im asking for the contract between me and the company Debt Recovery Solutions and that is not what I received. Another thing, I don't recognize the address that is attached in that letter.  

   

   

   

   

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

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

  Business Response

  Date: 08/13/2024

  Hello,

   

  We are in receipt of your recent response.

   

  If you did not reside at the original address during the time of service, please provide proof of this so that our client can review for potential fraud.

   

  Thank you,

   

  Debt Recovery Solutions, LLC

  Customer Answer

  Date: 08/14/2024

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

  [I am not liable for this debt with debt recovery solutions I do not have a contract with Debt recovery solution. The did not provide me with the original contract as I requested.]

   

   

   

   

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

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

• Initial Complaint

  Date:08/05/2024

  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 own this debt. This is a fraudulent account that they placed on my account. I have never opened a loan with this debt collector nor with a *************** I am demanding that this be removed from my credit report immediately. I have filed a FTC Report against this company.

  Business Response

  Date: 08/05/2024

  Hello,

   

  We are in receipt of this recent complaint.

   

  We have sent this claim and attachment to our client for investigation. Once we hear back from our client, we will notify you of the results.

   

  Thank you,

   

  Debt Recovery Solutions, LLC

• Initial Complaint

  Date:07/29/2024

  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. I do not have a contract with the Debt Recovery Systems. They did not provide me with the original contract as requested,Pursuant to 15 USC 1692(c) (c) I refuse to pay this debt for $2246. I want it removed from my credit reports immediately.

  Business Response

  Date: 07/29/2024

  Hello,

   

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

  Also, we see that you only just recently requested supporting documentation several days ago. Please allow some time for our client to provide these to us.

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

  Customer Answer

  Date: 07/30/2024

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

  [Your Answer Here]

   

   I am not liable for this debt. I do not have a contract with Debt Recovery Solutions. They did not provide me with the original contract as requested.
  Pursuant to 15 USC 1692(c) (c)  I refuse to pay this debt for $2246. 
  
  

   

   

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

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

• Initial Complaint

  Date:07/22/2024

  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 debt with CASHNETUSA. I dont not have a contract with the collection agency DRS (Debt Recovery Solutions), they did not provide me with the original contract as I requested.

  Business Response

  Date: 07/24/2024

  Hello,

   

  We are in receipt of this recent complaint. After further review, you do not have a contract with our office,however, you did have a contract with CASHNETUSA, who works directly with our client ***** Services, LLC. ***** Services, LLC 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:07/18/2024

  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.

  Drs (debt Recovery Solutions)is reporting on my credit report an account. I do not have a contract with them. Please have them remove this account from my report immediately.

  Business Response

  Date: 07/18/2024

  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 so we can search our database.

   

  Thank you,

   

  Debt Recovery Solutions, LLC