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:06/26/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am continually being sued by Unifund CCR for a debt which as stated by them is over 20+ years old. They have told me they do not have any paperwork because the debt is so old. I have informed them the debt is not mine, Most recently they took money from my bank account which left me unable to pay for necessities such as food. I just turned 65 year old and this is causing a lot of stress.

  Business Response

  Date: 07/05/2024

  Due to personally identifiable information the response we cannot post it to the BBB portal.  A copy of the full response has been mailed to the consumer at the address provided in their complaint.

• Initial Complaint

  Date:03/25/2024

  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.

  Unifund llc bought my collection from another company and is now trying to collect on it I have issues with someone using my credit information and has issues with fraud

  Customer Answer

  Date: 03/28/2024

  they do not give any account numbers it was for ********* bank 

  Customer Answer

  Date: 04/10/2024

   I am sorry they did take it off my one credit place ********** I
  would like them to also remove it from my ******* I was happy with
  your service
  ******* ****

  Business Response

  Date: 04/10/2024

  In order to respond to the consumer's concerns we need to provide documents that include personally identifiable information, which cannot be made public.  A full response will be mailed to the address provided in the consumer's complaint.

  Customer Answer

  Date: 04/10/2024

  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ** ********* and have determined that this does not resolve my complaint.  For your reference, reasons for rejection are included below.
  
  
  Regards,
  
  
  
  ******* ****

  They have not answered any of my questions I have not recieved any paperwork on this and would like this removed I have sent you guys the information that I have and I told you for them I was a victim of fraud and would like this solved immediately and removed from my credit report and I am not sure who did the fraud only that I know I was told by the irs fraud has occured and that the company bought this from Portfolio recovery and they said they no longer were handling this as unifund bought it from them. 

  Business Response

  Date: 04/18/2024

  *** ****,

  Please be advised that requests for deletion were submitted to all credit reporting agencies.  However, we have no control over the timing in which the credit bureaus act on our requests.  You may reach out directly us through our consumer support line at ###-###-#### or www.myunifund.com if you do not see a change in the next two weeks.

  Thanks,

  Customer Answer

  Date: 04/19/2024

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

• Initial Complaint

  Date:03/14/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On January 9, 2024, I submitted a dispute letter to Unifund CCR LLC requesting verification of a debt that appeared on my credit report. I explicitly disputed this debt on the grounds that I do not owe any party the amount they are claiming. Furthermore, I have no prior knowledge of Unifund CCR LLC, and I am skeptical about their legal authority to collect from me.
  
  As per the provisions outlined in the ***** Finance Code, Unifund CCR LLC was obligated to respond to my request for verification within 30 days. However, despite the passage of time, there has been no evidence to suggest that they have complied with this statutory requirement.
  
  The lack of response from Unifund CCR LLC raises serious concerns about the validity of the debt they are attempting to collect. Without proper verification, I am left in a state of uncertainty regarding the legitimacy of the claim against me. Moreover, their failure to adhere to legal obligations only exacerbates these concerns.
  
  Therefore, I am respectfully requesting the removal of the disputed and unverified account from my credit report. It is imperative that Unifund CCR LLC takes immediate action to rectify this situation and provides me with the necessary documentation to substantiate their claim.

  Business Response

  Date: 03/22/2024

  The response will be mailed to the consumer directly as it contains personally identifiable information that cannot be made public.

   

  Thanks,

• Initial Complaint

  Date:11/26/2023

  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 not liable for this debt with ******** **. I do not have a contract with UNIFUND CCR LLC. They did not provide me with the original contract as requested.

  Customer Answer

  Date: 12/13/2023

  I have attached a copy of my request from Unifund CCR LLC for a copy of my contract with them. As far as I know I did not sign any documents with them.

  Customer Answer

  Date: 12/13/2023

  My apologies. Here is the attached letter.

  Business Response

  Date: 12/19/2023

  The letter we are
  sending to *** ********* includes account-specific information, including copies
  of credit card statements.  It also includes other personal information
  relating to *** *********.  As such, we will not provide a copy to the Better
  Business Bureau.  Unifund has not received any communications or a request
  for a copy of the contract from *** ********* prior to his Better Business
  Bureau complaint.

• Initial Complaint

  Date:11/08/2023

  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.

  Please refer to all documents included in this claim. This company is reporting an alleged collection to my credit bureaus. i sent a letter to the business asking to prove/ validate the collection and send me such proof. based on the tax code of the USA this company would've had 30 business days to reply to me with an answer. They didnt! and yet the collection is still reporting to my credit. This is at this point illegal.
  Keep in mind this is not a request to validate anymore! They had their chance. This is a request for removal!!
  I dont want to take this any further but I will if i have to.

  Business Response

  Date: 11/14/2023

  Unifund is mailing a response directly to the complainant. Because the response contains non-public information, we are not providing a copy to the Better Business Bureau.

• Initial Complaint

  Date:10/29/2023

  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 not liable for this debt with Citibank NA. I do not have a contract with Unifund CCR, LLC. They did not provide me with the original contract, as I requested.

  Customer Answer

  Date: 10/30/2023

  Thank you for investigating my claim. When requesting the contract originally, I had contacted Unifund CCR by phone however then sent a written letter to their main office. Unfortunately, I do not have a copy of the letter as it wasn't sent electronically.  

  Business Response

  Date: 11/07/2023

  The letter we are
  sending to Ms. ***** includes account-specific information, including copies
  of credit card statements.  It also includes other personal information
  relating to Ms. ****t.  As such, we will not provide a copy to the
  Better Business Bureau.  Unifund has not received any communications or a
  request for a copy of the application from Ms. ****t prior to her Better
  Business Bureau complaint.

• Initial Complaint

  Date:10/09/2023

  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 do not have a debit with this person

  Business Response

  Date: 10/10/2023

  Complaint number ******** is a dispute of information
  appearing on the complainant’s credit bureau report. Unifund will investigate
  the dispute and respond directly to the complainant in compliance with the Fair
  Credit Reporting Act and the Fair and Accurate Credit Transactions Act. 

• Initial Complaint

  Date:10/02/2023

  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 not liable for this debt with UNIFUND CCR LLC . I do not have a contract from or with UNIFUND CCR LLC .They did not provide me an original contract after i requested it.

  Business Response

  Date: 10/03/2023

  Complaint number ******** is a dispute of
  information appearing on the complainant’s credit bureau report. Unifund will
  investigate the dispute and respond directly to the complainant in compliance
  with the Fair Credit Reporting Act and the Fair and Accurate Credit
  Transactions Act. 

   

  thank you

  Business Response

  Date: 10/03/2023

  Complaint number ******** is a dispute of information appearing on the complainant’s credit bureau report. Unifund will investigate the dispute and respond directly to the complainant in compliance with the Fair Credit Reporting Act and the Fair and Accurate Credit Transactions Act.  Further, Mr. *** alleged Unifund did not provide him with copy of your
  contract when he requested a copy. Unifund has not received any communications or a request for a copy of the contract from Mr. *** prior to his Better Business Bureau complaint. 

   

  thank you

  Customer Answer

  Date: 10/04/2023

  Better Business Bureau:
  
  
  They have not contacted me to resolve solution in over a month and have not got any response at all. Been trying for months! 
  
  
  
  Regards,
  
  
  
  ******** ***
  

• Initial Complaint

  Date:10/02/2023

  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.

  My name is **** ***********. I have never had an account with ********! I contacted the bank and provided my social, they have no recollection of me what so ever! Cannot provide them a credit card or bank account number, nothing because I have never had an account with them! Received a notice on 10/01/2023 that I have collection for ******** with the amount of $651 through UNIFUND CCR LLC. I have not received an email or a physical letter from both of these companies because I have never had an account with ********!
  I want this off my credit today!! I am about to file a police report.

  Business Response

  Date: 10/02/2023

  Complaint number ******** is a dispute of information
  appearing on the complainant’s credit bureau report. Unifund will investigate
  the dispute and respond directly to the complainant in compliance with the Fair
  Credit Reporting Act and the Fair and Accurate Credit Transactions Act.

   

  thank you

  Customer Answer

  Date: 10/03/2023

  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, reasons for rejection are included below.

  UNIFUND CCR LLC has not addressed the issue of this dispute as I cannot get in contact with the company. ******** has no recollection of me when my information is given such as my social security, credit card, and or account number because I have never had an account with the bank. No resolution has been made. 
  
  
  Regards,
  
  
  
  **** ***********
  
  

  Business Response

  Date: 10/03/2023

  Unifund will investigate the dispute and respond directly to
  the complainant in compliance with the Fair Credit Reporting Act and the Fair
  and Accurate Credit Transactions Act. If *** *********** would like to contact
  us prior to receiving our direct response in the mail, please contact our
  Consumer Support team at ###-###-####.
  
  Thank you

• Initial Complaint

  Date:09/24/2023

  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 got a letter from a lawyer in ********* saying I owe a large amount from ***** Bank in 2009 that I never had to begin with. They never sent me anything about this debt. Till September 2023. And said if dont pay then they assume it's mine and take action. That I have to pay Unifund ********* ******

  Business Response

  Date: 09/25/2023

  Per the BBB, our
  response to the complaint will be posted to their website and we thus are
  requested to not include any personal identifying information. In order for
  Unifund to provide a response to ***** *****’s concerns, we would need to
  provide a direct letter that includes account-specific information. 
  However, *** ***** has directed that Unifund not contact her further. As such,
  we cannot send this letter to ***** ***** without her consent.  If ***** ***** will provide authorization for a written response, either directly to
  Unifund or through the BBB portal, Unifund will be happy to address the
  concerns with her directly.

   

  Thank you

  Customer Answer

  Date: 09/25/2023

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