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:05/23/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  If your ******* ********* **** ******** **** - for which the current creditor is ********* ******* ******* **** account is returned to our client we may not be able to renew these offers. Save up to $503.44 in up to 2 payments when you visit ********************************************** or call ************* This text is from Shepherd Outsourcing, a debt collector. Reply stop to opt-out
  
  ***I do not own the above card and have no outstanding accounts in my name. I have been receiving these above text messages. Please stop contacting me.***

  

  Business Response

  Date: 05/30/2025

  05/30/2025
  
  
  
  Cindy R*****
  Consumer
  Operations Director  
  Better
  Business Bureau of
  Upstate
  South Carolina
  *** ***** ****** ******* ***** *
  Greenville,
  SC 29601
  
  
  Complaint:*************** ********
  
  
  Dear Cindy R******
  
  Thank you for allowing us to address *** ********** complaint.
  
  When we reached out to the phone number ***** ********* we
  understood it to be a good contact number for another individual. We appreciate
  *** ******** informing us that the number ***** ******** belongs to her and
  regret that she was contacted in our efforts to reach someone else. Shepherd
  Outsourcing has removed the number from our system and added it to our internal
  "Do Not Call/Text" list to prevent any further contact regarding this
  matter.
  
  Shepherd Outsourcing is a third-party collection agency licensed
  and bonded in all applicable states to collect past due accounts for our
  clients. Shepherd Outsourcing always wants to acknowledge any concerns a
  consumer expresses regarding these types of matters.
  
  
  
  Vickie
  R********
  Compliance
  Manager

• Initial Complaint

  Date:05/23/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have received two text messages and several phone calls from shepherd outsourcing on behalf of ******* ***. I have never bought anything from ******* ********* and therefore, cannot have debt with them. Every time I try to get a hold of someone and figure out why I'm getting these texts, I can't get through.

  

  Business Response

  Date: 05/30/2025

  05/30/2025
  
  
  
  Cindy R*****
  Consumer
  Operations Director  
  Better
  Business Bureau of
  Upstate
  South Carolina
  *** ***** ****** ******* ***** *
  Greenville,
  SC 29601
  
  
  Complaint:*************** ****
  
  
  Dear Cindy R******
  
  Thank you for allowing us to address *** ***** complaint.
  
  When we reached out to the phone number ***** ********, we
  understood it to be a good contact number for another individual. We appreciate
  *** **** informing us that the number ***** ******** belongs to her and regret
  that she was contacted in our efforts to reach someone else. Shepherd
  Outsourcing has removed the number from our system and added it to our internal
  "Do Not Call/Text" list to prevent any further contact regarding this
  matter.
  
  Shepherd Outsourcing is a third-party collection agency licensed
  and bonded in all applicable states to collect past due accounts for our
  clients. Shepherd Outsourcing always wants to acknowledge any concerns a
  consumer expresses regarding these types of matters.
  
  
  
  Vickie
  R********
  Compliance
  Manager

• Initial Complaint

  Date:05/23/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have never, ever received an email from them. Today they sent my mom an email that listed all the details to the debt they claim is mine. I am over 30 years old, how does a company contact family members about personal information without the customers approval? And again, never once did I receive an email from them.
  
  I have paid the debt directly to the company and owe nothing to Shepherd Outsourcing.
  
  They violated my rights by sharing my information with someone I didn't give permission to.

  

  Business Response

  Date: 05/29/2025

  05/29/2025
  
  
  
  Cindy R*****
  Consumer
  Operations Director  
  Better
  Business Bureau of
  Upstate
  South Carolina
  *** ***** ****** ******* ***** *
  Greenville,
  SC 29601
  
  
  Complaint:***************** ***********
  
  
  Dear Cindy R******
  
  Thank you for allowing us to address *** ************* complaint.
  
  When we contacted the email address *******************, it was believed to be a valid point of contact for *** ***********. We appreciate *** *********** informing us that this email address
  does not belong to her. As a result, Shepherd Outsourcing has removed the email
  from our system and placed it on our internal "Do Not Email" list to
  ensure no further communication is sent regarding this matter.
  
  Please note that, pursuant to the Attorney Demand Letter received,
  Shepherd Outsourcing has ceased all direct contact with the consumer. All
  future communications will be handled exclusively through our legal counsel and
  *** ***********’s legal representative.
  
  Shepherd Outsourcing is a third-party collection agency licensed
  and bonded in all applicable states to collect past due accounts for our
  clients. Shepherd Outsourcing always wants to acknowledge any concerns a
  consumer expresses regarding these types of matters.
  
  
  
  Vickie
  R********
  Compliance
  Manager

• Initial Complaint

  Date:05/23/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Received two text messages from this company claiming that they are attempting to collect on a debt that isn't mine. I just checked ****** ***** and I do not have anything in collections and my debts are on automatic payments and are all current. I believe that Shepherd Outsourcing is operating on behalf of ********* ******* ******* **** I've never heard of either company and believe that they have incorrect information in their systems. Please remove me from this collections list or mail me proof of my debt in collections.

  

  Business Response

  Date: 05/30/2025

  05/30/2025
  
  
  
  Cindy R*****
  Consumer
  Operations Director  
  Better
  Business Bureau of
  Upstate
  South Carolina
  *** ***** ****** ******* ***** *
  Greenville,
  SC 29601
  
  
  Complaint:**************** ******
  
  
  Dear Cindy R******
  
  Thank you for allowing us to address *** ******** complaint.
  
  When we reached out to the phone number ***** ********* we
  understood it to be a good contact number for another individual. We appreciate
  *** ****** informing us that the number ****** ******** belongs to him and
  regret that he was contacted in our efforts to reach someone else. Shepherd
  Outsourcing has removed the number from our system and added it to our internal
  "Do Not Call/Text" list to prevent any further contact regarding this
  matter.
  
  Shepherd Outsourcing is a third-party collection agency licensed
  and bonded in all applicable states to collect past due accounts for our
  clients. Shepherd Outsourcing always wants to acknowledge any concerns a
  consumer expresses regarding these types of matters.
  
  
  
  Vickie
  R********
  Compliance Manager

• Initial Complaint

  Date:05/23/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been receiving text messages from Shepherd Outsourcing indicating that they are a debt collection agency working on behalf of ********* ******* ******* ***. They provide no information regarding my name, the amount of debt is owed, or any information regarding this debt. They did provide a reference number *********. So far, 4 texts have been received on May 10, 12, 19 and 21. A pdf showing the screenshots of these texts is attached.
  
  I have no knowledge of any prior debt, nor have I had any prior or current contact with either of these companies. My credit is excellent. I checked my credit reports with the three major credit agencies and no outstanding or unpaid debts are listed. In addition, I checked with the identity theft service I use, and their records indicate no illicit activity or any outstanding debt.
  
  I have not clicked on any of the links provided, nor have I called their phone number (888-991-5696), as these texts appear suspicious.
  
  Since there have been multiple reports of Shepherd Outsourcing having the wrong phone number in their efforts to contact someone else, it’s my guess that they have the wrong number. Can you confirm this and have them correct this mistake.
  
  Thank you.

  

  Business Response

  Date: 05/30/2025

  Thank you for allowing us to address *** *****’s complaint.
  
  When we reached out to the phone number ***** ********, we
  understood it to be a good contact number for another individual. We appreciate
  *** ***** informing us that the number ***** ******** belongs to him and regret
  that he was contacted in our efforts to reach someone else. Shepherd
  Outsourcing has removed the number from our system and added it to our internal
  "Do Not Call/Text" list to prevent any further contact regarding this
  matter.
  
  Shepherd Outsourcing is a third-party collection agency licensed
  and bonded in all applicable states to collect past due accounts for our
  clients. Shepherd Outsourcing always wants to acknowledge any concerns a
  consumer expresses regarding these types of matters.
  
  
  
  Vickie
  R********
  Compliance
  Manager
  

  Customer Answer

  Date: 05/30/2025

  Better Business Bureau,
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 
  
  
  
  Regards,
  
  ******** *****

• Initial Complaint

  Date:05/23/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received a text regarding outstanding debt. I do not have an account with ********* ******* ******* nor have any outstanding debts with them and would like this removed.
  
  Attached:
  Visit ********************************************** ** **** ************ to take advantage of payment options on your outstanding balance of $1,483.07 for your ********* ******* ******* *** account.
  
  Pay:
  - $741.54 in up to 6 monthly payments. 50% off, that's a savings of $741.54!
  - Payments as low as $50.00
  - One time payment of $1,483.07
  
  This text is from Shepherd Outsourcing, a debt collector.
  
  The law limits how long you can be sued on a debt. Because of the age of your debt, ********* ******* ******* *** cannot sue you for it. If you do not pay the debt, ********* ******* ******* *** may report or continue to report it to the credit reporting agencies as unpaid. Reply stop to opt-out

  

  Business Response

  Date: 05/30/2025

  05/30/2025
  
  
  
  Cindy R*****
  Consumer
  Operations Director  
  Better
  Business Bureau of
  Upstate
  South Carolina
  *** ***** ****** ******* ***** *
  Greenville,
  SC 29601
  
  
  Complaint:*************** *******
  
  
  Dear Cindy R******
  
  Thank you for allowing us to address *** ********* complaint.
  
  When we reached out to the phone number ***** ********, we
  understood it to be a good contact number for another individual. We appreciate
  *** ******* informing us that the number ***** ******** belongs to her and
  regret that she was contacted in our efforts to reach someone else. Shepherd
  Outsourcing has removed the number from our system and added it to our internal
  "Do Not Call/Text" list to prevent any further contact regarding this
  matter.
  
  Shepherd Outsourcing is a third-party collection agency licensed
  and bonded in all applicable states to collect past due accounts for our
  clients. Shepherd Outsourcing always wants to acknowledge any concerns a
  consumer expresses regarding these types of matters.
  
  
  
  Vickie
  R********
  Compliance
  Manager

• Initial Complaint

  Date:05/23/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I recently received a text message from Shepard Outsource, claiming to be acting on behalf of ********* ******* as a debt collector. However, the message did not include any identifying details such as the name of the alleged debtor or the amount owed. Instead, it provided a link and urged engagement.
  
  Concerned about the legitimacy of this message, I reviewed my credit report and confirmed that I have no outstanding balances or issues. Given this, it appears that Shepard Outsource may have the wrong contact information and is mistakenly reaching out to me.
  
  I am requesting immediate action to ensure my phone number is removed from their system and that I receive no further communication regarding this matter. Additionally, I would appreciate guidance on the appropriate steps to formally address and resolve this issue.
  
  Thank you for your attention to this matter.

  

  Business Response

  Date: 05/27/2025

  May
  27, 2025
  
  
  Cindy R*****
  Consumer Operations Director  
  Better Business Bureau of
  Upstate South Carolina
  *** ***** ****** ******* ***** *
  Greenville, SC 29601
  
  
  Complaint ID:**************** *******
  
  Dear Cindy R******
  
  Thank
  you for the opportunity to respond to *** ********* complaint. After a thorough
  review, we were unable to locate any records in our office based on the
  information provided. The phone number listed appears to be incomplete, and we
  could not find a corresponding matter under the name or address *** ******* supplied.
  
  To
  assist further, please provide Shepherd with the complete phone number that was
  used for texting, so we can accurately locate and update the matter.
  
  Shepherd
  Outsourcing is a licensed and bonded third-party collection agency, authorized
  to collect on past-due accounts on behalf of our clients in all applicable
  states.
  Regards,
  Vickie R********
  Compliance Manager

• Initial Complaint

  Date:05/20/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received this text message today from Shepherd Outsourcing regarding a ******** ******* **** Explore Rewards Credit Card which I do not have a card or an account with that reads as follows:
  
  This text is from Shepherd Outsourcing, a debt collector regarding your ******** ******* BANK (EXPLOREWARDS CREDIT CARD - for which the current creditor is ********* ******* ******* **** account. Visit *********************************************** Reply stop to opt-out or call ************* # of messages varies. Message & data rates may apply. This is an attempt to collect a debt and any information obtained will be used for that purpose. . *** **** ********* Reply STOP to opt out.

  

  Business Response

  Date: 05/22/2025

  05/21/2025
  
  
  
  Cindy R*****
  Consumer
  Operations Director  
  ****** ******** ****** **
  Upstate
  South Carolina
  *** ***** ****** ******* ***** *
  Greenville,
  SC 29601
  
  
  Complaint****************** *******
  
  
  Dear Cindy R******
  
  Thank you for allowing us to address *** ********* complaint.
  
  When we reached out to the phone number ***** ********* we
  understood it to be a good contact number for another individual. We appreciate
  *** ******* informing us that the number ***** ******** belongs to her and
  regret that she was contacted in our efforts to reach someone else. Shepherd
  Outsourcing has removed the number from our system and added it to our internal
  "Do Not Call/Text" list to prevent any further contact regarding this
  matter.
  
  Shepherd Outsourcing is a third-party collection agency licensed
  and bonded in all applicable states to collect past due accounts for our
  clients. Shepherd Outsourcing always wants to acknowledge any concerns a
  consumer expresses regarding these types of matters.
  
  
  
  Vickie
  R********
  Compliance
  Manager

   

  Customer Answer

  Date: 05/23/2025

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  
  
  Better Business Bureau,
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********* and find that this resolution is satisfactory to me. 
  
  
  
  Regards,
  
  
  
  ******** *******

• Initial Complaint

  Date:05/14/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Hi, I've been receiving texts from Shepherd Outsourcing saying they want to settle an account of mine with another place I've never heard of. I've looked at all my accounts and have no clue why Shepherds Outsourcing is contacting me. I owe no money to any collection companies. All of my credit reports show 0 collections and have received no letters, emails, etc. from any company saying I owe them money.
  
  I want this contact to stop

  

  Business Response

  Date: 05/19/2025

  05/15/2025
  
  
  
  Cindy R*****
  Consumer
  Operations Director  
  Better
  Business Bureau of
  Upstate
  South Carolina
  *** ***** ****** ******* ***** *
  Greenville,
  SC 29601
  
  
  Complaint:
  *************** *********
  
  
  Dear Cindy R******
  
  Thank you for allowing us to address *** *********** complaint.
  
  When we reached out to the phone number ***** ********* we
  understood it to be a good contact number for another individual. We appreciate
  *** ********* informing us that the number ***** ******** belongs to her and
  regret that she was contacted in our efforts to reach someone else. Shepherd
  Outsourcing has removed the number from our system and added it to our internal
  "Do Not Call/Text" list to prevent any further contact regarding this
  matter.
  
  Shepherd Outsourcing is a third-party collection agency licensed
  and bonded in all applicable states to collect past due accounts for our
  clients. Shepherd Outsourcing always wants to acknowledge any concerns a
  consumer expresses regarding these types of matters.
  
  
  
  Vickie
  R********
  Compliance Manager

  Customer Answer

  Date: 05/19/2025

  Better Business Bureau,
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********* and find that this resolution is appreciated. Thank you very much.
  
  
  
  Regards,
  
  
  
  ****** *********

• Initial Complaint

  Date:05/13/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I keep getting texts messages saying I am sent to collections none of them have my name. They are usually generic and look very fraudy. While another number has now started sending messages with someone else's name on the text. I believe this is fraud. I haven't seen any bills or statements coming to my house.

  

  Business Response

  Date: 05/15/2025

  05/14/2025
  
  
  
  Cindy R*****
  Consumer
  Operations Director  
  Better
  Business Bureau of
  Upstate
  South Carolina
  *** ***** ****** ******* ***** *
  Greenville,
  SC 29601
  
  
  Complaint:
  ************* *****
  
  
  Dear Cindy R******
  
  Thank you for allowing us to address *** ******* complaint.
  
  When we reached out to the phone number ***** ********, we
  understood it to be a good contact number for another individual. We appreciate
  *** ***** informing us that the number ***** ******** belongs to him and regret
  that he was contacted in our efforts to reach someone else. Shepherd
  Outsourcing has removed the number from our system and added it to our internal
  "Do Not Call/Text" list to prevent any further contact regarding this
  matter.
  
  Shepherd Outsourcing is a third-party collection agency licensed
  and bonded in all applicable states to collect past due accounts for our
  clients. Shepherd Outsourcing always wants to acknowledge any concerns a
  consumer expresses regarding these types of matters.
  
  
  
  Vickie
  R********
  Compliance Manager

  Customer Answer

  Date: 05/16/2025

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  
  
  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,
  
  
  
  **** *****