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:07/16/2025

  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.

  To Whom It May Concern, I am writing to formally request that you cease all contact with me regarding the alleged debt associated with ****** ****. Under the Fair Debt Collection Practices Act (FDCPA), Section 805(c), I am exercising my right to request, in writing, that you cease all communication with me. This includes calls to my home, workplace, and cell phone. I have no existing agreement with DRB, LLC, the collection agency contacting me. Additionally, any calls made to third parties concerning my debt violate Section 805(b)(2) of the FDCPA, which prohibits debt collectors from communicating with third parties about a consumer’s debt without explicit consent.. Furthermore, 15 U.S. Code § 6802 restricts financial institutions from disclosing a consumer’s nonpublic personal information to non-affiliated third parties without proper notice and the opportunity to opt out. I have not been provided with such notice, nor have I given consent to the sharing of my information with DRB, LLC or any other entity. Any further contact from you or your representatives—outside of legally permitted communications—will be considered a violation of federal law and may be reported to the Consumer Financial Protection Bureau (CFPB), the Better Business Bureau (BBB), and my state’s Attorney General. This letter serves as formal notice to immediately cease and desist all communication with me regarding this matter. I am also asserting my right to cease communication under the Fair Debt Collection Practices Act and am seeking a resolution that includes accurate reporting of this account, given that I have not agreed to any terms with the current collector and the debt was transferred without my consent.

  

  Business Response

  Date: 07/17/2025

  DRB, LLC is a third-party collection agency contracted by ******** LLC, to facilitate the recovery of an outstanding debt owed by the consumer. We would like to clarify that DRB, LLC, is not a credit reporting agency and has not accessed the consumer’s credit report at any time. The account in question was referred to our office on May 2, 2025. Upon receipt, an initial communication was sent to the email address on file- **********************, to notify the consumer of the outstanding balance. Our outreach efforts are conducted in accordance with both the consumer’s original agreement and applicable state and federal regulations, which permit certain methods of contact, including third-party tracing, in attempts to locate a consumer. At no time prior to this complaint were we made aware of a formal dispute regarding the debt. Upon receipt of the consumer’s recent complaint, we took immediate action to cease all contact attempts, closed the account within our system, and returned it to our client, ******** LLC. If the consumer has any further questions or requires additional assistance, they may contact our office directly at ###-###-####.

  Customer Answer

  Date: 07/17/2025

  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. 
  
  Regards,
  
  ****** ******

• Initial Complaint

  Date:07/14/2025

  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.

  I am aware of debt and company has spoke with me and is aware of my address and contact information, but still proceed too repeatedly call and text my children that have nothing to do with the account.

  

  Business Response

  Date: 07/15/2025

  DRB, LLC is a third-party collection agency contracted by ****** ****** Group Inc. to assist in the recovery of an outstanding debt owed by the consumer. The account was referred to our office on July 10, 2025. All outreach efforts were conducted in accordance with the consumer’s original agreement and in full compliance with applicable state and federal regulations, which allow for certain methods of contact, including third-party tracing, in attempts to locate a consumer. Prior to the consumer’s complaint, our office had not established successful contact and had not been made aware of any formal dispute regarding the account. Upon receipt of the complaint, we promptly ceased all contact attempts, closed the account in our system, and returned it to our client, ****** ****** Group Inc. Should the consumer have any further questions or require additional assistance, they are encouraged to contact our office directly at ###-###-####.

• Initial Complaint

  Date:07/01/2025

  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.

  Received letter in mail regarding a collection account along with multiple calls and texts. Called back this morning requesting a debt verification letter along with name and address of original creditor along with last billing statement of original creditor. Was told they would not be able to provide it, that they had sent out all documents they had which consisted of 1 demand letter. I wish to have no contact with this company other than from USPS mail regarding the information that I legally requested.
  Thank you

  

  Business Response

  Date: 07/02/2025

  DRB is a third-party debt collector engaged by our client to assist with the recovery of an outstanding balance owed by the consumer. Upon placement, DRB provided notice to the consumer regarding the account. In response to the consumer’s inquiry, we have requested all original account documentation from our client and will forward those materials for the consumer’s review upon receipt. As a result of this notification, DRB has ceased all collection activity, closed the account internally, and returned it to our client. If the consumer has any questions or would like to discuss the matter further, they may contact DRB during normal business hours.

  Customer Answer

  Date: 07/02/2025

  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. 
  
  Regards,
  
  **** ******

• Initial Complaint

  Date:06/25/2025

  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.

  This company has been calling me non stop. I am unaware of this debt. I requested they send a debt validation letter to me and till date I have not received any letter from them and I am still getting a call from them. Cease and desist from calling me.

  

  Business Response

  Date: 06/26/2025

  DRB is a third-party debt collector engaged by its client to perform collection efforts on an outstanding debt owed by the consumer. DRB provided written notice to the consumer regarding these efforts. Following this inquiry, DRB has ceased all collection activity, closed the account internally, and returned it to the client. If the consumer has any questions or wishes to discuss the matter further, they may contact DRB during normal business hours.

  Customer Answer

  Date: 06/26/2025

  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. 
  
  Regards,
  
  ******* ********

• Initial Complaint

  Date:06/17/2025

  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 have no idea who these people are and why they call constantly everyday multiple times a day. I would like them to just stop !

  

  Business Response

  Date: 06/18/2025

  
  DRB, LLC is a third-party collection agency contracted by ***** *********** ******** LLC to assist in the recovery of an outstanding debt. The account in question was referred to our office on May 28, 2025. Upon receipt, an initial communication was sent to the email address on file—**********************—to notify the consumer of the outstanding balance. At no point prior to this complaint were we notified of any formal dispute regarding the debt. Following receipt of the consumer’s recent complaint, we immediately ceased all contact attempts, closed the account in our system, and returned it to our client, ***** *********** ******** LLC. We have also submitted a request to our client for all original account documentation. Once those materials are received, we will forward them to the consumer for their review. If the consumer has any further questions or needs additional assistance, they may contact our office directly at ###-###-####.
  
  

• Initial Complaint

  Date:06/06/2025

  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, I am writing to formally request that you cease all contact with me regarding the alleged debt associated with Upgrade. Under the Fair Debt Collection Practices Act (FDCPA), Section 805(c), I am exercising my right to request, in writing, that you cease all communication with me. This includes calls to my home, workplace, and cell phone. I have no existing agreement with DRB, LLC, the collection agency contacting me. Additionally, any calls made to third parties concerning my debt violate Section 805(b)(2) of the FDCPA, which prohibits debt collectors from communicating with third parties about a consumer’s debt without explicit consent.. Furthermore, 15 U.S. Code § 6802 restricts financial institutions from disclosing a consumer’s nonpublic personal information to non-affiliated third parties without proper notice and the opportunity to opt out. I have not been provided with such notice, nor have I given consent to the sharing of my information with DRB, LLC or any other entity. Any further contact from you or your representatives—outside of legally permitted communications—will be considered a violation of federal law and may be reported to the Consumer Financial Protection Bureau (CFPB), the Better Business Bureau (BBB), and my state’s Attorney General. This letter serves as formal notice to immediately cease and desist all communication with me regarding this matter. I am also asserting my right to cease communication under the Fair Debt Collection Practices Act and am seeking a resolution that includes accurate reporting of this account, given that I have not agreed to any terms with the current collector and the debt was transferred without my consent.

  

  Business Response

  Date: 06/09/2025

  DRB, LLC is a third-party collection agency contracted by Plaza Services LLC, to facilitate the recovery of an outstanding debt owed by the consumer. We would like to clarify that DRB, LLC, is not a credit reporting agency and has not accessed the consumer’s credit report at any time. The account in question was referred to our office on May 22, 2025. Upon receipt, an initial communication was sent to the email address on file—[email protected]—to notify the consumer of the outstanding balance. Our outreach efforts are conducted in accordance with both the consumer’s original agreement and applicable state and federal regulations, which permit certain methods of contact, including third-party tracing, in attempts to locate a consumer. At no time prior to this complaint were we made aware of a formal dispute regarding the debt. Upon receipt of the consumer’s recent complaint, we took immediate action to cease all contact attempts, closed the account within our system, and returned it to our client, Plaza Services LLC. If the consumer has any further questions or requires additional assistance, they may contact our office directly at ###-###-####.

  Customer Answer

  Date: 06/09/2025

  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  
  
  [To assist us in bringing this matter to a close, we would like to know your view on the matter.]
  
  
  
  Regards,
  
  
  ******* *******
  
  
  
  
  
  
  
  
  

• Initial Complaint

  Date:05/28/2025

  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.

  DRB, LLC has been contacting myself and my family on a daily basis (sometimes 2 - 3 times a day) for a few weeks now. I have never heard of this company nor conducted any prior business with them. The representative calls from multiple different local (to me) numbers and then requests a call back at a total different phone number it seems like this collection agency is trying to disguise itself in an attempt to trick consumers into calling them and giving them money for debt that does not belong to them. If your business is based out of New York, why are you calling me from a 586 area code? Any reputable collection agency that calls typically will be recognized as a verified phone number and sometimes even display the company name on caller ID. It's bad enough to receive all these spam calls and emails, now these "collection agencies" are calling my phone and anyone that may or may not be related to me, even my employer trying to collect on a debt that I do not owe. I want this company to stop calling me and harassing my family, friends and employer.

  

  Business Response

  Date: 05/29/2025

  DRB, LLC is a third-party collection agency contracted by ***** ******** *** to assist in the recovery of an outstanding debt owed by the consumer. The account was referred to our office on April 22, 2025. On that same day, we sent an initial notification to the consumer at the email address on file, **************@gmail.com, advising them of the outstanding balance. The company is permitted by both the consumer's contract and by state and federal regulation to attempt to locate and contact the consumer by way of a 3rd party.  With respect to calls originating from different phone numbers, DRB, LLC utilizes outbound dialing systems, call routing platforms, and regional numbers. These systems may result in contact from various phone numbers, a practice designed to support call deliverability and maintain compliance with federal and state requirements. As a result of this complaint, our office immediately ceased all collection activity, closed the account in our system, and returned it to our client. Should the consumer have any further questions or require additional assistance, we encourage them to contact our office directly at ###-###-####.

  Customer Answer

  Date: 05/29/2025

  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. I never received an email from this company. I appreciate the prompt attention to this matter. 
  
  
  
  Regards,
  
  
  
  ********* ********
  
  
  
  
  
  
  
  
  

• Initial Complaint

  Date:05/28/2025

  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.

  Today, May 28th, 2025, I received a phone call from this company. I did not answer, as I did not know the number nor the company. After looking up the company and phone number related to said company, I’m finding that it’s a debt collection company. I’m unaware of any debt that I would possibly own right now. I refuse to answer phone calls related to any alleged debt that I do not know anything about and if you have further information, I’d like to request it here/via email. I do not want any more phone calls. Thank you.

  

  Business Response

  Date: 05/29/2025

  DRB, LLC is a third-party collection agency engaged by a client to assist in the recovery of an outstanding debt. In situations where we are unable to establish direct contact with the consumer, applicable regulatory guidelines permit us to seek location information from third parties, which may include relatives. Please be advised that our office has discontinued all outreach to the complainant. Should the complainant have any further questions or require additional information, they may contact our office at ###-###-####.

• Initial Complaint

  Date:05/07/2025

  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.

  To Whom It May Concern, I am writing to formally request that you cease all contact with me regarding the alleged debt associated with Upgrade. Under the Fair Debt Collection Practices Act (FDCPA), Section 805(c), I am exercising my right to request, in writing, that you cease all communication with me. This includes calls to my home, workplace, and cell phone. According to recent correspondence, Upgrade has sold or transferred the debt, and they no longer retain the right to collect on it. I have no existing agreement with DRB, LLC, the collection agency contacting me. Additionally, any calls made to third parties concerning my debt violate Section 805(b)(2) of the FDCPA, which prohibits debt collectors from communicating with third parties about a consumer’s debt without explicit consent. This includes my wife who has been continually harassed and has begged the caller from DRB, LLC to stop calling her due to health reasons. Furthermore, 15 U.S. Code § 6802 restricts financial institutions from disclosing a consumer’s nonpublic personal information to non-affiliated third parties without proper notice and the opportunity to opt out. I have not been provided with such notice, nor have I given consent to the sharing of my information with DRB, LLC or any other entity. Any further contact from you or your representatives—outside of legally permitted communications—will be considered a violation of federal law and may be reported to the Consumer Financial Protection Bureau (CFPB), the Better Business Bureau (BBB), and my state’s Attorney General. This letter serves as formal notice to immediately cease and desist all communication with me regarding this matter. I am also asserting my right to cease communication under the Fair Debt Collection Practices Act and am seeking a resolution that includes accurate reporting of this account, given that I have not agreed to any terms with the current collector and the debt was transferred without my consent.

  

  Business Response

  Date: 05/08/2025

  DRB, LLC is a third-party collection agency contracted by Independence
  Capital Recovery LLC, to facilitate the recovery of an outstanding debt owed by
  the consumer. We would like to clarify that DRB, LLC, is not a credit reporting
  agency and has not accessed the consumer’s credit report at any time. The
  account in question was referred to our office on April 3, 2025. Upon receipt,
  an initial communication was sent to the email address on file—[email protected]—to
  notify the consumer of the outstanding balance. Our outreach efforts are
  conducted in accordance with both the consumer’s original agreement and
  applicable state and federal regulations, which permit certain methods of
  contact, including third-party tracing, in attempts to locate a consumer. Per
  Section 805(d) of the FDCPA, the term “consumer” may include the individual’s
  spouse, parent (if the consumer is a minor), guardian, executor, or
  administrator. At no time prior to this complaint were we made aware of a
  formal dispute regarding the debt. Upon receipt of the consumer’s recent
  complaint, we took immediate action to cease all contact attempts, closed the
  account within our system, and returned it to our client, ************ ******* ******** ***. If the consumer has any further questions or requires additional
  assistance, they may contact our office directly at ###-###-####.

  Customer Answer

  Date: 05/08/2025

  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. 
  
  
  
  Regards,
  
  
  
  ****** ********
  
  
  
  
  
  
  
  
  

• Initial Complaint

  Date:05/07/2025

  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.

  I am writing to request that you CEASE AND DESIST calling OR any form of communication with me. The federal law requires you to cease all communication with me after being notified in writing that I no longer wish to communicate with you (Fair Debt Collection Practices Act [FDCPA] Section 805(c): CEASING COMMUNICATION). I demand that you stop calling me at home, at work, on my cell phone. Since you already have my location information, calls made by you or your company to me a 3rd party and not the supposed account holder, concerning the supposed account holder’s debt violates section 805(b)2 of the FDCPA. Upgrade sold my and the account holders’ information to a 3rd party debt collection, DRB, LLC, I know that the creditor can no longer collect on this debt when they have sold my personal information according to 15 U.S. Code 6802. I never agreed to anything with them, DRB, LLC. Also 15 US, Code 6802 states that no financial institution can share my nonpublic information with a third party entity.

  

  Business Response

  Date: 05/09/2025

  DRB, LLC is a third-party collection agency. Our outreach efforts are conducted in accordance with both the consumer’s original agreement and applicable state and federal regulations, which permit certain methods of contact, including third-party tracing, in attempts to locate a consumer. Per Section 805(d) of the FDCPA, the term “consumer” may include the individual’s spouse, parent (if the consumer is a minor), guardian, executor, or administrator. Upon receipt of the most recent complaint, we took immediate action to cease all contact attempts, closed the account within our system, and returned it to our client. If the complainant has any further questions or requires additional assistance, they may contact our office directly at ###-###-####.

  Customer Answer

  Date: 05/09/2025

  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. 
  
  
  
  Regards,
  
  
  
  ****** ********