ComplaintsforCardWorks Servicing LLC

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Initial Complaint
10/11/2023
Complaint Type:
Customer Service Issues
Status:
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.
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

******************** ****************************************** *** ***** *********** ** *****
Initial Complaint
09/14/2023
Complaint Type:
Billing Issues
Status:
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.
I am reaching out as my certified letter was ignored. I am trying to request a settlement of the account. Please respond to my letter in writing so that this may be handled.
Business response
09/28/2023
We are in receipt of your correspondence dated September 14,2023, regarding the above referenced account for our ********************** *******************
Our records indicate that the account was opened with ******************* with an electronic application. 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 became the owner of the account. As no further payments have been received, the balance remains the same.
Subsequently, we received the customer's correspondence requesting a settlement and removal of the account from reporting. The request was accurately forwarded to our third party collection agency for handling.Please be advised that we do not delete a trade line in exchange for payment or settlement on an account.
We received the customer's Automated ********************** Dispute Verification (ACDVs) forms filed through the Consumer ****************** (CRAs)disputing the reporting of the account. In each instance, the account was reviewed and responses were provided directly to the CRAs confirming that the account is reporting accurately.
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.
Sincerely,

CW Nexus Credit ************* 1, LLC, as administrator
Customer Service Department
Initial Complaint
09/12/2023
Complaint Type:
Billing Issues
Status:
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.
CW NEXUS CREDIT CARD reporting as CHARGE OFF, as of 9/10/2023 as reported by Equifax for rental application.I have NO idea who this company is. I have no way of contacting them.
Business response
09/22/2023
We are in receipt of your correspondence dated September 12,2023, regarding the above referenced account for our ********************** **************************************
Our records indicate that the account was opened with ******************* with an electronic application. 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 became the owner of the account. As no further payments have been received, the balance remains the same.
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.
Sincerely,

CW Nexus Credit ************* I, LLC, as administrator
Customer Service Department
Customer response
09/24/2023
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 know who ******* *** is. I need more details.

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

Customer response
11/02/2023
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 receive in the mail some statements for the account but with only balance information, NOT prior purchases. I still do not recognize the name of the original company. I need a statement with the purchases so that I can verify I opened this account and it is mine.
***********************************

Business response
11/07/2023

RE: Reference ID: ** ***************************** - Rejection
***************************************

Dear Sir or Madam,

We are in receipt of your correspondence regarding the above-referenced account for our ********************** ***************************************
The customer's account was opened with ******************* with an electronic application. Due to non-payment, the account charged off with an outstanding balance. Upon charge off, CW Nexus Credit ************* Trust became the owner of the account.

A letter with additional details and additional validation documents was sent directly to ***************************************

Thank you for the opportunity to respond.

CW Nexus Credit ************* I, LLC, as administrator
Customer Service Department
Initial Complaint
07/14/2023
Complaint Type:
Billing Issues
Status:
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.
I am writing to file a formal complaint against CWS/NEXUS regarding their lack of response and failure to verify Metro 2 compliance. On May 22nd, 2023, I sent a certified letter to CWS/NEXUS, in reference to an account that appeared on my credit report. The purpose of my letter was to request verification of the account's Metro 2 compliance. However, to date, I have not received any response from CWS/NEXUS, nor have they provided the requested verification. Despite allowing ample time for their response, well over the 30-day **** since my initial request, I have not received any communication or validation from CWS/NEXUS regarding the account's compliance with Metro 2 requirements. This lack of response is concerning and raises doubts about their adherence to consumer protection regulations. I am deeply concerned about the potential violations of consumer rights and the impact on my creditworthiness. As a consumer, I have the right to receive accurate and verifiable information about any accounts listed on my credit report. The failure of CWS/NEXUS to respond and verify Metro 2 compliance raises questions about their compliance with applicable laws and regulations.Requesting CWS/NEXUS to delete negative information and cease reporting on disputed account to ********************** bureaus. Failure to validate account and respond in time for compliance. Cease reporting prevents credit harm. Impose penalties and measures if laws violated. Seeking Better Business Bureau for help for fair treatment.
Business response
07/28/2023
We are in receipt of your correspondence dated July 14, 2023 regarding the above referenced account for our ********************** ********************************
The account was opened 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 and payments were applied to the
balance. Due to non-payment, the account charged off with an outstanding balance.
After charge-off, the account was placed with third party collection agencies for
servicing. As no further payments were received, the balance remains the same.
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 the customer's 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. We received
the customer's previous direct dispute and issued our response validating the debt as
requested.
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 report accurate information,
the way in which this information is displayed is at the discretion of the CRAs.
A letter with additional details was sent directly to ********************************
Customer response
07/28/2023
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
Dear Sir/ma'am,
In response to your correspondence dated 07/28/23 via BBB regarding the above-referenced account for Me (*******************************). However, I still have serious concerns regarding the reporting of this account, from Card work/ aka CW NEXUS.
I must express my disappointment in your failure to respond to my previous certified mail Debt Validation letter, which was sent on May 22nd, 2023. Despite my efforts to address this matter through certified mail, I did not receive any response or acknowledgment from your company. It is possible that the response was sent to an incorrect address, as the address used for the original debt may not be mine. This situation further adds to my concerns about the accuracy and handling of my personal information.
The Debt Validation letter was intended to verify the accuracy and validity of the reported debt and to ensure compliance with my rights as a consumer under the Fair Debt Collection Practices Act (FDCPA). However, without receiving a response from your company, I am left without the necessary information to address and resolve this matterMoreover, I am deeply concerned that your company's actions may be violating privacy act laws, as it appears that the account information has been incorrectly associated with my identity. This erroneous association has resulted in an unjust negative impact on my credit report, causing denials from lenders and hindering my ability to access credit on fair terms.
As a result, I insisted on the following actions:
Debt Validation: I requested an immediate and thorough validation of the debt in question. I asked to please provide all relevant documentation, including a copy of the original signed agreement, a detailed account statement, and a breakdown of the charges. As a consumer, I have the right to request and receive validation of the debt under the FDCPA.
Investigation of Dispute: In addition to the debt validation, I requested a comprehensive investigation into my dispute regarding the reported information on my credit report. This investigation should encompass a thorough review of the account, the verification process, and the information reported to the credit reporting agencies.
Compliance with FCRA and Privacy Laws: It is my understanding that the Fair Credit Reporting Act (FCRA) mandates furnishers of information to consumer reporting agencies to report accurate information regarding a consumer's account history. Additionally, I expect your company to fully comply with all relevant privacy act laws to protect consumers' sensitive information. If the investigation reveals any inaccuracies, discrepancies, or violations, I insist that you take immediate action to delete and cease all reporting information with all relevant credit reporting agencies and ensure strict adherence to privacy act laws.
Furthermore, I would like to make it clear that if this matter is not resolved satisfactorily and in compliance with applicable laws, I am prepared to report this company's actions to the Consumer *************************** (****). The **** serves as an important resource for consumers like myself, and I am committed to protecting my consumer rights and ensuring the enforcement of fair and lawful practices within the financial industry.
I expected a prompt and comprehensive response within the 30-day timeframe stipulated by the ***** I would also appreciate timely updates regarding the progress of your investigation.
Failure to address my concerns and provide a satisfactory resolution may result in further actions to protect my consumer rights and report the matter to the appropriate regulatory authorities.
I trust that you will take my concerns seriously and undertake all necessary steps to resolve this dispute promptly while upholding the highest standards of consumer privacy protection.

Sincerely,
*********************************;

Business response
08/11/2023
We are in receipt of your correspondence dated July 31, 2023, regarding the above referenced account for our ********************** ********************************

The customer's account was charged off for non-payment with an outstanding balance. Subsequently, we received their correspondence disputing the reporting of the account and a response confirming that the account is reporting accurately was issued to their address of record. Upon receipt of the customer's subsequent correspondence, another response was issued to the correspondence address. We confirmed that the information and documentation we provided to the customer was accurate and sufficient to validate the debt owed.

Upon receipt of this complaint, we conducted an investigation regarding the customer's claim of identity theft. Based on our investigation, the claim was denied as the account information, which includes the customer's name, date of birth, social security number, phone number, address, and the account used to make successful payments, matches their personal records.

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.
Customer response
08/16/2023
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 appreciate your prompt response now that the BBB is involved. If CWS would have been responsible, responsive and honest. Maybe we wouldn't be going back in forth as this.To every One going through something similar. Don't let the Bullies win.
Regarding the account, However, after careful consideration, I still have significant concerns regarding the accuracy of the information reported for the referenced account.IT IS NOT ACCURATE! IAM REPORT CWS TO THE **** and the **** I am writing to provide further clarification on my position and to request a more comprehensive review of the matter.
In your correspondence, you indicated that the customer's account was charged off due to non-payment, resulting in an outstanding balance. Furthermore, you mentioned that responses were issued to my address of record, confirming the accuracy of the reported account informationHowever, I would like to bring to your attention that I have not received any such correspondence from your company. This leads me to believe that there may have been an issue with the address used for communication. I request that you verify the address on file and ensure that any future communication is directed to my correct address to facilitate open and effective correspondence.
Additionally, I understand that an investigation was conducted regarding my claim of identity theft, and the claim was denied based on a match between the account information and my personal records. While I appreciate the efforts made, I would like to emphasize that there may have been an error in associating the reported account information with my identity. I kindly request a more detailed explanation of how this conclusion was reached, including the specific documentation or evidence that was considered during the investigation.
Furthermore, I maintain that the reporting of the account inaccurately reflects my credit history. The erroneous reporting has adversely affected my creditworthiness and has resulted in denials from lenders. I urge you to reconsider your stance on changing the reporting of the account to the ********************** reporting agencies, as I believe the current reporting does not accurately represent my credit activity.
I am committed to resolving this matter in an equitable and expedient manner. To facilitate a fair resolution, I kindly request the following actions:
A Comprehensive Review: I urge you to conduct a thorough and impartial review of the account, the associated documentation, and the investigation process. I believe that a comprehensive review will shed light on the discrepancies and inaccuracies that have led to this dispute debt Validation: As a consumer, I have the right to request validation of the debt in question under the Fair Debt Collection Practices Act (FDCPA). I request that you provide detailed documentation, including a copy of the original signed agreement, an itemized account statement, and a breakdown of the charges.
Compliance with FCRA: I would like to stress the importance of complying with the Fair Credit Reporting Act (FCRA), which mandates furnishers of information to consumer reporting agencies to report accurate and verifiable information. It is crucial that the reported information is not only complete but also fully substantiated and relevant.
I anticipate a thorough and timely response to this letter, addressing the specific concerns I have raised. I am dedicated to resolving this matter in a way that upholds my rights as a consumer and ensures the accuracy of the information reflected on my credit report.
Please send all future correspondences in writing to the address provided above or via email at ************************* I expect to receive your response within the 30-day timeframe stipulated by the FCRA.
Thank you for your attention to this matter. I trust that you will give my concerns the serious consideration they deserve and take the necessary steps to achieve a satisfactory resolution.
Sincerely,
*******************************
Initial Complaint
05/08/2023
Complaint Type:
Service or Repair Issues
Status:
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.
Ive never had an account with this company. They are reporting a charge off on my account which is nearly 7 years old. I tried reaching out to this creditor multiple times for validation. They have never validated anything. I even called them to which they said they couldnt tell me anything because they no longer have the account. They said that they sold the debt and provided me with a number to call for the new debt collector. The phone number provided belongs to some type of scam survey.
Business response
05/26/2023
RE: Reference ID: ********
********************************** - Account Ending In ****
Dear ***************************,
We are in receipt of your correspondence dated May 8, 2023, regarding the above-referenced account for our ********************** **********************************. A response with debt validation documentation was provided directly to the customer.
Our records indicate that this 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 and payments were applied to the balance. Due to non-payment, the account charged off with an outstanding balance. At charge-off, ownership of the account was transferred to ******** Credit ************* Trust I.
A prior request was received for debt validation, and a response was provided to the customer. We also received the customers Automated Consumer Dispute Verification (ACDVs) forms filed through the Consumer ****************** (CRAs) disputing the reporting of the account. In each instance, the account was reviewed and responses were provided directly to the CRAs confirming that the account is reporting accurately.
The customer recently spoke with representatives of the third party collection agency Carson Smithfield, LLC, which had previously serviced the account, requesting to settle or pay the account in full. Due to the status of the account, the customer was advised that it would be transferred to the agency Financial Business and Consumer Solutions (****) who could assist with this request, and they were provided with the phone number for ****. We have no record of a request for debt validation on these calls.
As the complaint indicated that the customer never had an account, we completed an investigation for identity theft. The 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 your 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.

Sincerely,

******** Credit ************* I, LLC, as administrator
Customer Service Department
Customer response
05/30/2023
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 information your company responded was not a sufficient debt validation. Also, when I called you gave me completely different information about who to contact in reference to you selling the debt. Not only was it a different company, the telephone number provided to me was for a scam survey. I called several times regarding this account and was redirected multiple times.

*******************************
Initial Complaint
04/28/2023
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
Hello ****** **********,I am asking in writing for you to provide a validation of my debt via mail, I am also asking for you to provide me full access to your online portal so I can make payments. You dont even know your own legal obligations for debt collecting in ********** so I am here to inform you by law you must provide an accessible way for the people you are collecting from, to make payments and a recurring way for them to view the balance after each payment. I will absolutely report you to the department of consumer affairs and have you fined. Make it right!
Business response
05/10/2023
Balance Due: 1,335.62
Current Creditor: *******************
Original Creditor: *******************
RE: ****** ****** R Account Ending In ****
We are in receipt of your correspondence dated April 28, 2023, which was received on April 28, 2023, regarding the complaint (********) filed with your office by ***************************
According to ******* Bank's records, the account was opened in the customer's name on August 10, 2021, with an electronic application submitted from the Internet Protocol (IP) address **************. 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 and payments were applied to the balance. The last valid payment of $35.00 was received on April 9, 2019. Due to non-payment, the account charged off on February 28, 2023, with a balance of $1,335.62. After charge-off, ****** **********, LLC, was contracted to collect on the outstanding balance. As no further payments have been received, the balance remains the same. Enclosed please find account validation documents for your review.
Should the customer have questions regarding online access or should they wish to discuss possible settlement options, we encourage them to contact us at ***************. A representative will be happy to assist them.
We hope to have been of assistance and thank you for the opportunity to respond.
Sincerely,
****** **********
Customer Service
********************* *** ********************* *** *** ***** *********** ** *****
This is an attempt to collect a debt. Any information obtained will be used for that purpose.
This communication is from a debt collector.
****** **********, LLC
Customer response
05/16/2023
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 attempted to call ****** ********** multiple times only to be told that I wont get access to the online portal because ****** ********** doesnt give access to every account. One your representatives even said that due to the fact the account may have no longer be able to be collected on which is why I might never to be given access. Im either going to pay ******************* directly going forward or ****** ********** needs to stop being indirect with me.
I will not be paying over the phone because Ive seen the reviews that many of your customers have paid off balances only to be told by ****** ********** agents that their payment didnt go through even though those customers bank accounts showed otherwise.

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

Business response
06/02/2023
We are in receipt of your correspondence dated May 16, 2023, which was received on the same date, regarding the complaint (********) filed with your office by **************************. Our records indicate that we previously responded to the customer's concerns with the enclosed letter on May 10, 2023.

On May 2, 2023, the customer contacted our *************************** regarding payment on the account's outstanding balance. We determined that our representative provided the customer with inaccurate information regarding the length of time that we are able to collect on the account. We apologize for the inconvenience that this has caused. Please be advised that the details of this call were forwarded to the appropriate level of management to provide coaching so that the representative can better handle calls of this nature in the future.

We regret the difficulty that the customer has experienced while attempting to make payments online. During the customer's calls from April 27, 2023 through May 18, 2023, our representatives accurately offered alternative payment options and programs. For further assistance with available payment options, we encourage them to contact us at ***************. A representative will be happy to assist them.

We hope to have been assistance and thank you for the opportunity to respond.
Customer response
06/09/2023
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
03/01/2023
Complaint Type:
Billing Issues
Status:
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.
I am not liable for the contract with CW NEXUS Credit Services. CW Nexus is still reporting on my credit report as if its still a company. I have paid all money owed to the company, but still its reporting negative information on my credit report. It was an agreement for the account to be removed from my credit report, due to me not having a contract with CW Necus Credit Services.
Business response
03/15/2023
RE: Reference ID: ** *****************************
********* ******************** - Account Ending In ****

We are in receipt of your correspondence dated March 1, 2023, regarding the above-referenced account for our cardholder ********* *********************

Our records indicate that the account was opened with ******************* via an electronic application.Subsequently, the account was used for purchases and payments were applied to the balance. 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.
Subsequent to charge-off, the customer accepted a settlement offer to pay a portion of the balance. We received the customers one-time payment, which satisfied the settlement arrangement. As such, the account was accurately updated to Settled for less than the Full Balance, was a Charge-Off. Please be advised that we do not delete trade lines in exchange for a payoff or a settlement.

We received Automated Consumer Dispute Verification forms (ACDVs) 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, and responses were provided directly to the CRAs confirming that the account is reporting accurately.

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 CRAs.

Thank you for the opportunity to respond.

Sincerely,

CW Nexus Credit ************* I,LLC, as administrator
Customer Service Department
Initial Complaint
02/07/2023
Complaint Type:
Service or Repair Issues
Status:
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.
I have been paying ****** ********** LLC $28.72 since October 2021 as a payoff plan. The company automatically debits my bank account each month. When I check the ****** ********** LLC website the payment statuses show as either paid, in process or rejected and when I called their customer service # on today, 2/6/2023 and spoke with ******, I was informed that she did not have access to see my online dashboard and therefore could not tell me what the different payment statuses meant. When I inquired further I was told that the Supervisors were in a meeting and that I would need to call back when they were not in a meeting , which would be after 5pm. This is unacceptable and I want someone from ****** ********** LLC to contact me and explain the payment statues otherwise, I would like to file an official complaint for scam and am requesting to be reimbursed for all of the payments that they have taken from my bank account.
Business response
02/17/2023
******* **** ******** ******* ********* ******************* ******** ********* ******************* *** **************************************** ******* ****** ** ****
We are in receipt of your letter regarding the complaint (#********) filed with your office by *****************************************
Our records indicate that this account was opened with *******************. As a result of non-payment, the account charged off, with an outstanding balance. ****** **********, LLC is a third party collection agency contracted to collect on the outstanding balance.
Our review of the account confirmed that subsequent to charge-off, the customer accepted a settlement arrangement to pay a portion of the balance in twenty-four monthly installments. We received the customers recurring payments. However, three monthly payments were rejected.
Following this, the customer spoke with a representative regarding our online payment system. Our representative accurately advised that they were unable to access the system to explain the status of the customer's payments at that time. However, our representative inaccurately informed the customer that their settlement arrangement was on track to be completed by the expected date. Please note, the customer must submit replacement payments for the rejected payments in order to satisfy their settlement by the expected date. We apologize for any inconvenience that this may have caused the customer. The details of this call were forwarded to the appropriate level of management to provide coaching so that the representative can better handle calls of this nature in the future.
With regard to the explanation of the payment statuses, please be advised that payments reflected as "Paid" have been cleared and were applied to the customer's outstanding balance; payments reflected as "In Process" are due to be automatically processed on the customer's next payment due date, and "Rejected" are payments that are dishonored or not cleared by the customer's financial institution.
Thank you for the opportunity to respond.
Sincerely,
****** **********
Customer Service
******************** *** ********************* *** ***** *********** ** *****
Customer response
02/19/2023
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:

None of my payments were rejected by my Bank - this 3rd party agency is lying - they took every payment via direct debit and if they dispute my response then they need to provide proof of the rejected payments, along with dates and correspondence from my Bank!!!!!n I have checked my bank account from 10/1/2021 through 2/19/2023 and I have no return items so if you are missing a month it is the fault of the 3rd party agency for not putting through the payment!!!!
*************************************

Business response
03/06/2023
Balance Due: 1349.77
Current Creditor: ******************* Corporation
Original Creditor: ******************* Corporation
RE: **************************************** Account Ending In ****
We are in receipt of your letter requesting additional information regarding the complaint (#********) filed with your office by *****************************************
While we received the customer's payments towards their settlement on December 14, 2021, May 14, 2022, December 14, 2022, and February 14, 2023, they were rejected by their financial institution. As previously advised, no additional explanation was provided. We recommend that the customer contact their financial institution directly regarding the reason for the rejected payments.
The customer should submit proof of the processed payments not credited to their account (ie. a clear copy of the front and back of their canceled check/money order) to begin a payment investigation. Please be advised that the total amount of these payments must be submitted to maintain the progress of the customer's settlement.
Thank you for the opportunity to respond.
Sincerely,
****** **********
Customer Service
******************** *** ********************* *** ***** *********** ** *****
Customer response
03/14/2023
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:

they still have not told me why they did not take my payments

******* ***********
Initial Complaint
01/02/2023
Complaint Type:
Billing Issues
Status:
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.
Certified Mail # **** **** **** **** **** DECEMBER 12, 2022 CARSON *****- FIELD LLC Attn: ********************************** **************************************************** Re: *************************** NOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL; NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASSIGNS The ******* gives you thirty (30) days to validate the alleged debt.Failure to comply with said Notice shall result in a complaint filed and submitted to the appropriate STATE & FEDERAL BANKING REGULATORY AGENCIES, and possible legal remedies in an appropriate ************* DISTRICT COURT.In addition, PLEASE TAKE NOTICE THAT, I am not waiving my right to dispute the alleged debt asserted herein, but at this time I am under no obligation to respond as a result of CARSON *****- FIELD LLC., DEBT COLLECTORS debt and violations of Federal law.The ******* gives you thirty (30) days to validate the alleged debt.PURSUANT TO [FRCP RULE 17 AND FRCP RULE 34], FAILURE TO RESPOND WITHIN THIRTY (30) DAYS TO EACH NUMBERED ITEM BELOW IS ESTOPPEL. SANCTIONS MAY BE IMPOSED FOR REFUSAL TO ANSWER QUESTIONS OF DISCOVERY You are in receipt of NOTICE under the authority of [THE FAIR DEBT COLLECTIONS PRACTICES ACT, FAIR CREDIT REPORTING ACT, 15 USC 1692G AND TRUTH IN LENDING ACT]. This letter is being sent to you in response to a notice sent to me on FEBRUARY 22 2022 Be advised that this is not a refusal to pay, but a notice sent pursuant to [THE FAIR DEBT COLLECTION PRACTICES ACT], that your claim is disputed and validation is requested. This is NOT a request for "verification" or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. Validate the alleged debt. SINCE THERE IS NOT THAT MUCH SPACE TO CONTINUE TO WRITE, PLEASE SEE ATTACHMENTS TO CONTINUE READ
Business response
01/20/2023

We are in receipt of your letter regarding the complaint (ID#********* filed by **************************
The customers account was opened with Bethpage Federal Credit Union (BFCU) and charged off due to non-payment. At charge-off, BFCU contracted ****** *********** **** to collect on the outstanding balance. As such, settlement offers were sent to the customer by mail. As requested, we have updated the account to receive no further verbal or written communication.
Please be advised that BFCU remains the owner of the account. ****** ********** is not a creditor andis not responsible for the reporting of the account to the Consumer ******************* We recommend that any credit reporting inquiries be directed to BFCU.
A letter was sent to the customer with account validation documents. We hope to have been of assistance and appreciate the opportunity to respond.

Sincerely,
****** **********
Customer Service
Customer response
02/02/2023
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 CardWorks Servicing LLC and do not have a contract with CardWorks Servicing LLC.

They did not provide me with the original application, like I asked.

Desired settlement.

Correction to my credit report . I demand this account be deleted from my file.

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

Business response
04/24/2023
***** *** **** ****** ******** ****** * **** ******* ****** *** ******* ******** *************************************** ***** *** ************ ** *****

Balance Due: $5,062.91
Current Creditor: Bethpage Federal Credit Union
Original Creditor: Bethpage Federal Credit Union

RE: ************************** Account Ending In ****
Dear ***************************,
We are in receipt of your letter regarding the complaint (ID#********* filed by *************************, as
well as a letter sent by the customer to our office.
This account is for a ********************** card that was opened with Bethpage Federal Credit Union, who remains
the owner of the account. ********************** is a third party collection agency that is currently
servicing the account.
We regret the customers dissatisfaction with our prior response to their concerns. We confirmed that
the information and documentation provided was accurate and sufficient to validate the debt.
We hope to have been of assistance and appreciate the opportunity to respond.
Sincerely,
****** **********
******** ******* ******************** ********************* *** *** ***** *********** ** ***** **** ** ** ******* ** ******* * ***** *** *********** ******** **** ** **** *** **** ******** **** ************* ** **** * **** ********** ****** ********** ** *** ******** ***** ***** *** ** ****** ********* ** *** ********* ******* **** **** **** *** ******* * ******** **** ** *** ****** ********* **** ***** ***** *** ******* **** ******** ********** ********************** ********************************************************************************* ***** ******* ************* ************* ********** ***** ** ********** **************** *** ****** ****** ** ****** *** ******** ******* ** ****** *** ******** ****** ** ****** *** ***** ****** ************** ***** ********** ***** ** ********** **************** *** ****** ****** ** ****** *** ******** ******* ** ****** *** ******** ****** ** ****** *** ***** ******* ************** ************** ********** ************************************** ****** ******* ****** ********** **** ****** ************ *** ************* ********** ************* ********** ** ********* ******* ******* ******** ******* ********** **** ******* ************ *** ** * ******** ** **** ********* ******** * ***** ******** ******* *** ** ****** ***** *** ******* **** *** ******* *** ********* ***** ** ****** **** ***** ***** ** *** *** ***** ************** ******** ******* ****** ** ****** ********* ** ****** ********** ********** ** ******* ******** *********** ********* ** ***** ******** ** ************ ********* ** ********** ********* ** ******** ************ ********* ** ****** ** ******* ********* ** ********* ********* *** ******* ******* ****** ******* ******* ******* *** ******* **** ***** ****** *** ****** ******* ** **** ***** ** ****** ****** ** *** **** ***** ***** ********* ********** **** ********** ****** ** ******** ** *** ********** ******* ***** ** *** **************************************** **** ** ** ******* ** ******* * ***** *** *********** ******** **** ** **** *** **** *******
Initial Complaint
12/31/2022
Complaint Type:
Order Issues
Status:
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.
I am not liable for this debt with openskycc and don't have the contract with ****** **********, LLC. They didn't provide me with the original contract application like I asked.Creditor: openskycc Address: ********************************************* Acct name: *************************** Acct # ****************
Business response
01/18/2023
Balance Due: $602.87
Current Creditor: Capital Bank
Original Creditor: Capital Bank
RE: **************************** L Account Ending In ****
We are in receipt of your letter regarding the complaint (ID# ********* filed with your office by ****************************

This account was opened using an electronic application and a security deposit submitted with a debit card in the customers name. This account was initiated electronically. As such, 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. This OpenSky secured credit card is a product of Capital Bank.
Subsequently, the account was used for purchases. Due to non-payment, the account was closed, and the security deposit was applied to the balance. The account charged off due to no-payment, and was placed with ****** ********** for servicing. We have no record of a prior request for validation of the account and/or a copy of the application. As requested in the complaint, we sent a response to the customer with validation documents.
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 Consumer ******************* Should the customer wish to discuss the reporting of their account, we recommend contacting OpenSky/Capital Bank directly.

Sincerely,

****** **********
Customer Service
Customer response
01/18/2023
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:

If it was electronically, then there should be some type of document in their system stating my name, date, time and signature. If there's no proof showing that this debt is mine or any substantial agreement? Then this here is just a conjecture.
Sincerely,

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

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