ComplaintsforCardWorks Servicing LLC

• Initial Complaint

  03/26/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  I am not liable for this debt with charter communications, I do not have a contract with Carson and Smithfield agency, they did not provide me with the original contract as i requested.

  Customer response

  03/26/2024

  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

  02/09/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Date of transaction 11-7-2023 Amount paid $65.14 When calling this collection agency they just argues with me. They've reported to the credit bureaus after the account was paid in full. I sent copies of my deposited checks front and back to them and they still are trying to make me pay the balance again. Acct# ****************

  Business response

  02/28/2024

  We are in receipt of your letter regarding the complaint (#********) filed with your office by ***********************.
  
  This OpenSky credit card account, which is a product of ************* was opened and used for purchases, and charged off with an outstanding balance. Following charge off, several payments were received,which were applied to the account. However, the balance has not been paid in full. The customer previously provided images via mail of cashed payments. The account was reviewed, and it was confirmed that all payments documented in their letter had already been applied to the balance.
  
  The customer contacted us by phone on several occasions and was accurately advised that the balance is correct and has not been paid in full. While we regret any dissatisfaction that the customer experienced, we have no record of unprofessional conduct by our representatives.
  
  If the customer believes that they have made additional payments towards the balance that were not credited, we request that they please submit proof of those payments, e.g., a legible copy of the front and back of the canceled check(s)/money order, so that the matter can be investigated.
  
  Please be advised that Carson Smithfield, LLC, is a third-party collection agency contracted by the creditor to collect on the balance. Carson Smithfield, LLC, is not a creditor and is not responsible for the reporting of the account to the ********************** ******************* We recommend that any credit reporting inquiries be directed to **************************************************************************

• Initial Complaint

  01/28/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  December 4th, 2023, I sent a certified letter to the company requesting:1.Validation of the debtthat is, the actual accounting 2.Verification of a signed invoice 3.A copy of the Contract binding both parties, in a letter by certified mail so that there is an independent witness to it having been delivered.they did not provide these things and they continue to report this on my credit report

  Business response

  02/08/2024

  We are in receipt of your correspondence dated January 29,2024, regarding the above-referenced account for our ********************** *************************************

  Our records indicate that the account was opened with ******************* using an electronic application. Due to non-payment, the account charged off with an outstanding balance. At charge-off, ownership of the account was transferred to CW Nexus Credit ************* Trust I.
  
  We received the customers Automated Consumer Dispute Verification forms (ACDVs) filed through the credit bureaus disputing the reporting of the account and claiming identity theft. In each instance, the account was reviewed, and responses were provided directly to the consumer reporting agencies confirming that the account is reporting accurately. The identity theft claim was denied based on the results of our investigation and the account information that matches the customers personal details.
  
  The Fair Credit Reporting Act (FCRA) requires that, as a furnisher of information to consumer reporting agencies, we report accurate information regarding a consumers account history. We have reviewed the account and determined that the information reported was complete and accurate as of the date(s) we furnished it. As such, in the absence of additional facts,we will not change the reporting of the account to the ********************** reporting agencies.
  
  While we regret the customers dissatisfaction, we have no record of a prior debt validation request associated with this account. We request that any letters please contain the customers full account number and be mailed to the correspondence address as provided on this letter.
  
  A letter with additional details and debt validation documents was sent directly to the customer.
  
  Thank you for the opportunity to respond.
  
  
  Sincerely,
  CW Nexus Credit ************* I, LLC, as administrator
  
  Customer Service Department

• Initial Complaint

  12/28/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  CardWorks ***** affiliate ******************* has an Account number ********************************** that is reporting to my account "**********************************" . After contacting *************************, I was informed that this "company "refused" to remove the "fraudulent account" associated with my account. As I stated in my previous claims, Cardworks *** and it's trademark name ******************* (C T *********** Systems, **********************************, and The *********** Company), and it's third-party debt collecting affiliates are in violation of:15 USC 6802:Companies, corporations, CRA's, etc need written instruction to make a consumer report by the consumer. Without written instruction this "company" has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. Per this law, Cardworks *** *** has committed identity theft and it is a violation of 15 U.S. Code 1681b(a)(2, based on this violation all accounts listed must be DELETED.15 U.S. Code 1681b(a)(2):All Companies, corporations, CRA's must work together and be joined. I am aware,This information for accounts listed above on my consumer report does not match other consumer reporting agencies shown in the three Credit reports that is stapled to this letter which means your company has failed to maintain reasonable procedures to keep a joint notification system and is in violation of 15 U.S.Code 1681b(e)(6). all accounts listed in this NOTICE must be DELETED.

  Business response

  01/11/2024

  Our records indicate that the customers account charged off due to non-payment, with an outstanding balance. Following charge off, the account was placed with third party collection agencies for servicing; however,please be advised that ******************* remains the owner of the account.

  
  We received the customers Automated Consumer Dispute Verification forms (ACDVs) filed through the credit bureaus disputing the reporting of the account and claiming identity theft. In each instance, the account was reviewed, and responses were provided directly to the consumer reporting agencies confirming that the account is reporting accurately. The fraud claims were denied based on the results of our investigation. We also received a prior letter from the customer, and their fraud claim was again investigated and denied.

  
  As disclosed in section 15 of the Cardholder Agreement, You also authorize us to furnish information concerning your Account and your performance under this Agreement to consumer reporting agencies (credit bureaus) or to others, but you acknowledge that we are under no duty to do soWe may report information about your account to ********************** bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report and may negatively impact your credit score. This information was also included in the privacy policy.

  
  The Fair Credit Reporting Act (FCRA) requires that, as a furnisher of information to consumer reporting agencies, we report accurate information regarding a consumers account history. We have reviewed the account and determined that the information reported was complete and accurate as of the dates we furnished it. In the absence of additional facts, we will not change the reporting of the account to the ********************** reporting agencies.While we report accurate information, the way in which this information is displayed is at the discretion of each consumer reporting agency. We recommend that the customer contact them directly for further information regarding the way this account appears on their credit report.

  
  A letter was sent to the customer with further information.

  Customer response

  01/12/2024

  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 company "CardWorks Servicing LLC" does not acknowledge that the account was opened as a result of identity theft. Every contract or agreement thereof is void on the account of "**********************************" and my be rescinded to the indentured servant based on the Right of Rescission (12 Fair Credit Reporting Act  ******* Right of rescission). In addition, the company "CardWorks Servicing LLC" aka "*******************" has not provided me with HAND WRITTEN CONSENT from the ********************************** to open this account  and to share my identity (personal information) with a third-party debt collector or servicing company which violates 15 USC **** and Section 624 of the FCRA.

   

  The company "CardWorks Servicing LLC", "*******************", and it's third-party affiliates are continuing to violate my RIGHT to PRIVACY (15 U.S. Code ****). In relation to the fraudulent account and inaccurate information of "Charge off" posting to the account of "**********************************", CardWorks Servicing LLC aka "*******************" has admitted the fraud and in accurate posting of information above by stating:

  "Our records indicate that the customers account charged off due to
  non-payment, with an outstanding balance. Following charge off, the
  account was placed with third party collection agencies for servicing;
  however, please be advised that ******************* remains the owner of the
  account"

   

  This statement shows the company has violated 15 U.S.Code ****s-2(7)(E) by "charging off" the account to the *** as debt, but still retaining ownership. I haven't received notice of these negative remarks nor a ****-C Form for the debt written off which violates 15 USC **** e(b).  Based on the actions stated by the company(s), their business practices are in coercion with 18 U.S Code **** (Fraud and *******). As stated in my initial dispute and filings with the **** I have no knowledge of this account which was established as a result of identity theft.

  15 U.S. Code ****b(a)(2) CRAs and ************************* need written instruction to make a consumer report by the
  consumer. Without written instruction this consumer reporting agency has committed fraud by
  using my identifying information without any lawful authority to furnish this information on my
  consumer report. Per this law CardWorks Servicing LLC aka ******************* has committed identity theft and it is a violation of 15
  U.S. Code ****b(a)(2, based on this violation all accounts listed above must be DELETED.
  

  *************************
  

  
  
  
  
   
  

• Initial Complaint

  12/22/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I had a Nationwide card (original account #********************************* and I got behind and settled with ****** ********** to pay $x for 12 months and the debt would be settled. My file number with ****** ********** is ****************. I called and made a payment over the phone about two years ago. The lady I spoke with said it was my last payment and that a receipt would be sent. I got busy and forgot about it; they called and said that she was wrong and I still had one payment left, but then expected me to pay even more. Their customer service representative told me it was my last payment, so I believed it was. Now they are still posting information on my credit report and expecting me to engage in another payment settlement. I have attached a photo from communication from June 2023. Unfortunately, weve moved and I cant access my old bank account to see the monthly amount. I would like to make the last agreed upon payment and receive a receipt showing the account has been settled and have it removed from my credit reports. Thank you for your assistance in this matter.

  Customer response

  01/16/2024

  Better Business Bureau:
  
  At this time, I have not been contacted by CardWorks Servicing LLC regarding complaint ID ********.
  
  Sincerely,
  
  ***********************
  

  Business response

  01/16/2024

  Our records indicate that the customer's account was opened with Nationwide with an electronic application and subsequently used for purchases. Due to non-payment, the account charged off with an outstanding balance. Subsequently, ******************* became the owner of the account and ********************, LLC, was contracted to collect on the outstanding balance.
  
  The customer accepted a settlement arrangement to pay a portion of their balance. As the customer's final payment was never received,the settlement was broken. We have no record of a representative advising the customer that their most recent payment satisfied their settlement, nor of an outbound call advising the customer of a representative error, as indicated in the complaint. The customer subsequently accepted a new settlement for less than the full balance, but no payments were ever received. As such, the customer remains responsible for the full balance.
  
  Please note that ****** ********** is a third party collection agency contracted by the creditor to collect on the balance. ****** ********** is not a creditor and is not responsible for the reporting of the account to the ********************** ******************* We recommend that any credit reporting inquiries be directed to *******************.
  
  Thank you for the opportunity to respond.
  
  Sincerely,
  
  ****** **********
  Customer Service
  
  ********************
  ********************************************* *** ***** *********** ** *****

  Customer response

  01/16/2024

  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 customer service representative that I spoke with on the day of my last payment told me that it was my final payment. I even said that I thought I had one more and she assured me I didnt and that a receipt would be mailed out. Months later after realizing I never received a receipt, I contacted them and was told I would need to pay additional amounts beyond the last payment. I would have made another payment was it not for their representative stating my payment was the last one needed. If they go back to my last payment phone recording, they will hear her state that my payment arrangement was fulfilled. Im happy to make my last payment and finish my original payment arrangement. I shouldnt be penalized for a mistake on their end. 

  
  ***********************
  
  
  
  
   
  

  Business response

  01/30/2024

  As previously advised, the customer's account charged off due to non-payment and ****** **********, LLC, was contracted to collect on the outstanding balance. The customer subsequently accepted a settlement arrangement to pay a portion of their balance. As the customer's final payment was never received, the settlement was broken.
  
  Please be advised that per policy, call recordings are retained for two years only. We have confirmed that recordings of the calls within the period referenced in the customer's complaint are no longer available. We have no record of a representative advising the customer that their most recent payment satisfied their settlement, nor of an outbound call advising the customer of a representative error, as indicated in the complaint.
  
  The customer subsequently accepted a new settlement for less than the full balance, but no payments were ever received. As such, the customer remains responsible for the full balance.
  
  Please note that ****** ********** is a third party collection agency contracted by the creditor to collect on the balance. ****** ********** is not a creditor and is not responsible for the reporting of the customer's account to the ********************** ******************* We recommend that any credit reporting inquiries be directed to *******************.
  
  Thank you for the opportunity to respond.
  
  Sincerely,
  
  ****** **********
  Customer Service

• Initial Complaint

  12/14/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am deeply concerned about the sharing of my nonpublic information with credit bureaus and the resulting inaccuracies on my credit report. This situation has caused significant financial and emotional distress.Under 15 USC **** Section 602, I have the right to financial privacy, and I expect my information to remain confidential.Furthermore, 15 USC **** Section 604(a)(2) states that a consumer reporting agency cannot furnish account information without my written instructions, which I have not provided.I have identified inaccuracies on my credit report from CCHOLDINGS, impacting my financial well-being. I request these inaccuracies be corrected promptly.Lastly, please remember 15 USC 1666(b), which prohibits treating payments on a credit card account as late under certain circumstances.For reference, my account details are as follows:Account Number: ****************I request a thorough review of my account, prompt correction of credit report inaccuracies, and strict adherence to federal laws regarding my information.Failure to address these issues may compel further legal action. I anticipate your prompt response and resolution to these concerns.Thank you for your immediate attention to this matter.Sincerely,*******************

  Business response

  12/26/2023

  We are in receipt of your correspondence dated and received on December 14, 2023, regarding the above-referenced account for our customer ***********************

  Our records indicate that the account was opened with ******************* via an electronic application. Due to non-payment, the account charged off with an outstanding balance. At charge-off, CW Nexus Credit ************* Trust I became the owner of the account. Subsequently, the customer accepted a settlement offer, and upon receipt of their payment, the account status was updated to settled in full, was a charge off and was reported as such.
  
  We received the customers Automated Consumer Dispute Verification forms (ACDVs) filed through the credit bureaus disputing the reporting of the account and claiming identity theft. In each instance, the account was reviewed, and responses were provided directly to the consumer reporting agencies confirming that the account is reporting accurately. The identity theft claims were denied based on the results of our investigation and the account information that matches the customers personal details.
  
  The Fair Credit Reporting Act (FCRA) requires that, as a furnisher of information to consumer reporting agencies, we report accurate information regarding a consumers account history. We have reviewed the account and determined that the information reported was complete and accurate as of the date(s) we furnished it. As such, in the absence of additional facts,we will not change the reporting of the account to the ********************** reporting agencies.
  
  A letter with additional details was sent directly to **********************.
  
  Thank you for the opportunity to respond.
  
  CW Nexus Credit ************* I, LLC, as administrator
  Customer Service Department

• Initial Complaint

  12/05/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I received a letter from a ***************** called Carson ***** Field stating that i owe ******* to a bank calle Ally . Never heard of that bank until yesterday . I called the online Bank they doni have any record of me

  Business response

  01/02/2024

  We are in receipt of your letter regarding the complaint (#********) filed with your office by *************************. We have updated the account to reflect the customers request to receive no further communication.

  Carson Smithfield, LLC is a third party collection agency contracted by Ally Lending to collect on outstanding installment loan balances.Ally Lending remains the owner of those installment loan accounts.
  
  The records that Carson Smithfield, LLC received from Ally Lending indicate that this loan account was initiated with Ally Lending to be used for services with ************************************ As no payments were received, the account became past due and charged off with a balance. The account was then placed with Carson Smithfield, LLC for collections, and a letter was sent to the customer regarding a settlement offer.
  
  We recently received an inbound call for this account;however, the caller declined to provide information to verify their identity,and therefore, no account details could be provided.
  
  As the complaint indicates that the customer is not familiar with this account, their concerns were forwarded to Ally Lending to be reviewed for identity theft. For further information, we recommend contacting Ally Lending directly at PO Box ****, ************, ** 11804.
  
  Thank you for the opportunity to respond.
  
  Sincerely,
  
  Carson Smithfield
  Customer Service

• Initial Complaint

  10/31/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have a credit card account with **** ****************** and I also pay my rent through the **** company and receive reward points for doing so. On October 1, 2023 I attempted to pay my rent through the **** rent portal and was unable to do so because my credit card bill reported a negative balance caused by a charge in the amount of $2996.32. This amount is the exact amount of my September 2023 rent, and instead of crediting it to my rewards account, they listed it as a charge to my credit card. I contacted **** about the issue that day and received an email from ******************** of the **** Rewards Support team stating that she had corrected the error and adjusted my credit card balance. On October 30, I saw on my October credit card statement, a negative balance caused by a charge on September 28, 2023 in the amount of $2973.23 as a BPS Bilt Rewards. This amount is the same as my rent that I paid in August 2023 through the **** rent portal and instead of applying the amount as a reward, they applied it to my credit card as charge. I contacted the credit card rewards department and the credit card department and did not receive any help. The rewards team referred me to the credit card department and the credit card department said that I had to talk to "Corporate" because it looked like an accurate charge. I need to have this corrected because **** is demanding that I pay $3112 by November 21 due to error that they won't correct. My credit card number is *******************, exp, ******

  Business response

  11/16/2023

  We are responding to the complaint dated October 31, 2023,from our ************ Card customer ***************************, on behalf of BILT.
  
  Our records indicate that the account was inaccurately charged from the customer's rewards program. Subsequently, the account was adjusted to correct this error and a notification was issued to the customer.
  
  A second inaccurate charge was made to the account from the customer's rewards program. As no payment was received by the customer's due date, a late fee was assessed to the account. The customer's statement was issued reflecting the inaccurate charge.
  
  The customer contacted our *************************** regarding the increased balance. Our representatives accurately submitted an adjustment request on the customer's behalf. Subsequently, the account balance was corrected. As a courtesy, we have waived the aforementioned late fee.
  
  Thank you for the opportunity to respond.
  
  Sincerely,
  
  BILT
  Customer Service

• Initial Complaint

  10/24/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for the debt with CW NEXUS CREDIT CARD HOL. I do not have a contract with CW NEXUS CREDIT CARD HOL, they did not provide me with the original contract as I requested.

  Business response

  11/02/2023

  RE: Reference ID: ** *****************************
  
  Dear Sir or Madam,
  
  We are in receipt of your correspondence dated October 24,2023, regarding the above-referenced account for our ********************** *************************************
  
  Our records indicate that the account was opened with ******************* with an electronic application. The application does not include a handwritten signature. In accordance with the Electronic Signatures in Global and National Commerce (E-SIGN) Act, an electronically submitted signature,contract or other record relating to such transaction is valid and enforceable and may not be denied legal validity solely because an electronic signature or electronic record was used in its formation.
  
  Subsequently, the account was used for purchases. Due to non-payment, the account charged off with an outstanding balance. At charge-off, CW Nexus Credit ************* Trust I became the owner of the account.
  
  We received the customer's Automated ********************** Dispute Verification (ACDVs) forms filed through the Consumer ****************** (CRAs)claiming identity theft and disputing the reporting of the account. In each instance, the account was reviewed. Based on the results of our investigation,the identity theft claims were denied as the account information matches their personal details, which includes their name, date of birth, social security number, address on file, address on the application, email address, and phone number. As such, responses were provided directly to the CRAs confirming that the account is reporting accurately.
  
  Upon receipt of the customer's complaint, we conducted an additional investigation regarding their claim of identity theft. We subsequently sent a letter to the customer's address on file advising that their claim was again denied based on the above outlined investigation.
  
  The Fair Credit Reporting Act (FCRA) requires that, as a furnisher of information to consumer reporting agencies, we report accurate information regarding a consumers account history. We have reviewed the account and determined that the information reported was complete and accurate as of the date(s) we furnished it. As such, in the absence of additional facts,we will not change the reporting of the account to the ********************** reporting agencies.
  
  Thank you for the opportunity to respond.
  
  CW Nexus Credit ************* I, LLC, as administrator
  Customer ******************

• Initial Complaint

  10/11/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I am not liable for this debt with *******************.I do not have a contract with this collection agency trying to collect and report to my credit report.They did not provide me with the original contract as requested. I demand that this account be removed from my credit report.

  Business response

  10/26/2023

  We are in receipt of your letter regarding the complaint (#********) filed with your office by **********************************
  

  Our records indicate that the customer's account was opened with ******************* with an electronic application. The application does not include a handwritten signature. In accordance with the Electronic Signatures in Global and National Commerce (E-SIGN) Act, an electronically submitted signature, contract or other record relating to such transaction is valid and enforceable and may not be denied legal validity solely because an electronic signature or electronic record was used in its formation.
  

  Subsequently, the account was used for purchases. Due to non-payment, the account charged off with an outstanding balance. After charge-off, ****** **********, LLC, was contracted to collect on this balance and the customer accepted a settlement arrangement. Upon receipt of the customer's subsequent agreed-upon payments, the account was accurately updated to Settled for less than the Full Balance, was a Charge Off.
  

  Please note that ****** ********** is a third party collection agency contracted by the creditor to collect on the balance. ****** ********** is not a creditor and is not responsible for the reporting of the account to the ********************** ******************* We recommend that the customer direct any ********************** reporting inquiries to *******************.
  

  Thank you for the opportunity to respond.

  Sincerely,

  
  
  ****** **********
  Customer Service
  
  ******************** ****************************************** *** ***** *********** ** *****

*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. ↩