ComplaintsforEastern Account System of Connecticut, Inc.

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Initial Complaint
07/29/2024
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 need your assistance with this incorrect account listed on my credit report. This issue is harming my reputation, and I require your support. Account Name: EASTERN ACCOUNT SYST Account Number: ******** Balance: $0.00
Business response
07/29/2024
Eastern Account System is a third party collection agency that works on our client’s behalf.
Our client, ******* ***** *** ******* placed an account in collections in February 2024 a balance owed. Payment was made IN April 2024. You were advised at this time the account would update as a paid in full acct/zero balance. Eastern Account System sent notice allowing time to dispute, pay or validate the debt prior to credit reporting. At no time were the notices returned undeliverable.
Initial Complaint
07/25/2024
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 pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter and I have felt suicidal lately as a result so I demand this matter be resolved in a fair and equitable manner, which hasn’t been done. EASTERN ACCOUNT SYSTEM ****************4 These account are related to a transaction and experience that falls under the EXCLUSION section of the ****’s definitions; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft (as defined by the ******* ***** **********), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the ****, which holds your agency liable for damages of at least $1,000 per the civil liability section for willful non-compliance. Please DELETE this item from my consumer report! DELETE THESE ITEMS AND ISSUE ME A NEW, UPDATED COPY OF MY CONSUMER REPORT!
Business response
07/29/2024
I am sorry that you are experiencing a hard time.
Eastern Account System is a third party collection agency that works on our client’s behalf.
Our client, *** placed an account in collections in September 2018 for service and unreturned equipment. In September 2019 you were seeking a settlement and hung up on the representative when she advised that we were not able to per the original creditors’ guidelines. We did not speak to you again, until the account was not paid until April 2020. You were advised at this time the account would update as a paid in full acct/zero balance. Other than disputes made to the bureaus directly, we did not hear from you again. Eastern Account System sent notice allowing time to dispute, pay or validate the debt prior to credit reporting. At no time were the notices returned undeliverable. Calls were also placed without a response as well.
The account did not credit report until approximately 60 days later. Eastern does not do “pay for delete”;this violates our contract with the credit bureaus if we remove entries without just cause.
Initial Complaint
07/22/2024
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.
EASTERN ACCOUNT SYSTEMS has not provided validation information under ** *** ************* but yet they placed a collection on my consumer report. I have not been given a chance to dispute account according to 12 CFR 1006.34(c)(4) (i) Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means. Collection agency has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 1* *** ********** and ** *** ****** ***)(A).According to the Fair Credit Reporting Act (****), I have the right to dispute inaccurate or incomplete information in my credit report. Specifically, under Section *** of the ****, the original creditor is responsible for the accuracy of the information reported to the credit bureaus. Once an account is sold, the original creditor is no longer responsible for updating or maintaining the information regarding the account. Consequently, the reporting of this account by the original creditor is inaccurate and should be removed. Furthermore, if a creditor sold my collections or charge-off information without my knowledge or consent, I have the right to dispute this under the ****. Refer to Section *** for the responsibilities of information furnishers and Section *** for the dispute procedure. These sections ensure the accuracy of my credit report and my right to challenge inaccuracies. Please investigate and verify the accuracy of this information. Additionally, the new creditor is required to verify the accuracy of any information they report. I have requested an reinvestigation for them to send verified documented information reported by both original creditor and new creditor. Please conduct a thorough review and provide resolution within the 30-day period mandated by the ****.
Business response
07/22/2024
The account was recalled by the original creditor, please follow up with them directly.
Initial Complaint
07/22/2024
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.
March 2024 I proceeded to the local ******* svc office in **** ******* ** to return their internet modem & request a final itemized bill. Their equipment was returned and agreement for the final itemized bill was secured. A receipt reflecting retuned equipment and invoice agreement was procured at the moment. Seven weeks later & several calls after the bill arrived via ****. As suspected the invoice WAS NOT ITEMIZED AS REQUESTED & AGREED. The bill arrived reflecting an amount 3 times the normal svc charges. I immediately called ******* and advised them that I did not receive the itemized invoice as agreed. They stated invoices are not sent via **** when they just sent the incorrect one via ****. I called several times for the itemized invoice. NON WAS EVER SENT. Since May of 2024 I have received threatening correspondence from collection agencies demanding the fraudulent amount. I have disputed these correspondence with these collection companies. The last correspondence I received concerning this matter is part of multiple harassment of correspondence & phone calls from Eastern Account Systems. I advised them that I do not recognize they’re responsibility in this matter. I only recognize the financial responsibility to *******. Eastern Account Systems continues to harass via mail & phone calls after I expressly advised them to back off and only communicate with me via ****. The last harassment attempted by them was a correspondence including a copy of the same invoice sent by ******* unitemzed. A copy will be provided for your reference. The copy is the third corrrespondance of demands sent y me in response to Eastern Accounts Systems harassment. I demand cessation of the harassment and Eastern Account Systems involvement in this matter. Thank you for attention
Business response
07/22/2024
Eastern Account System sent you the validation provided by the original creditor. We have ceased all communications.
Customer response
07/23/2024

Complaint: ********

I am rejecting this response because:
As stated prior the validation provided is not an itemized invoice of charges demanded. What’s claimed is not what is owed. Why is ******* so afraid of providing the itemized invoice as agreed. The only reason is to commit fraud and utilize Eastern Account System as their proxy to do so. As stated to Eastern in my last correspondence. It is not my concern what they say. It is fraudulent. My business is with *******. As soon as ******* provides the agreed itemized invoice of charges I will contact *******, discuss the charges & pay the amount truly owed. As far as Eastern Account System is concerned I refuse to have any dealings with them. I do not owe them a cent. I do not owe them any explanation. I owe them absolutely NOTHING. No contracts or agreements were ever signed, con-scribed or reached between Eastern Account System & myself. They are an unknown entity utilized by ******* outside of the original service agreement following thru with ******* fraud. If they continue with their harassment or unfair & fraudulent collection process I will be forced to file in court to protect my interests against them & *******. This has become more than it should. ******* could have simply followed thru with our agreement, sent the itemized invoice and the tru charges owed would have been satisfied. Once again I dispute Eastern Account Systems validity or authority on this matter. They’re harassment and fraudulent practices are not recognized in this matter. They must remove themselves entirely and not pursue any further negative actions against me on *******’s behalf
******* *********
Initial Complaint
07/22/2024
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 didn't sign a contract with Easter Account System, I was in prison during the opening of the account my **** is ******
Business response
07/22/2024
Eastern Account System is a third party collection agency that works on ********** behalf, Your contract is with them, not Eastern. The account was opened in October 2022, the date opened on the credit report refers to when the account was placed in collections. If you believe this is a case of identity theft, it is required for you to:
•   File a police report - This must be filed stating that the account was setup without the debtor’s permission (and a copy provided to Eastern – fax/mail/email)
•   Once a police report has been filed, you will need to file a fraud report with client
•   It may also be required that the debtor have proof of residency during the time the account was active and in question and a copy of the debtor’s driver’s license or State ID
Initial Complaint
07/22/2024
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.
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRA’s definitions; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft (as defined by the ******* ***** **********), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least $1,000 per the civil liability section for willful non-compliance. Please DELETE this item from my consumer report! EASTERN ACCOUNT SYSTEM ********
Business response
07/22/2024
Your permission is not required to report a debt you owe.
Initial Complaint
07/19/2024
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 this debt with Eastern Account System, I do not have a contract with Eastern Account System, they did not provide me with the original contract as i requested.
Business response
07/19/2024
Other than a recent dispute made to the bureaus directly, we have never spoken to you or received any communications from you regarding this account.
Your contract is with the original creditor, ******* not Eastern Account System. Eastern Account System is a third party collection agency that works on our client’s behalf.
Customer response
07/22/2024
I currently hold an account with *******. I do not have a debt with ******* (*** ******** ******** ******* ***l"). I reached out to a ******* agent & they confirmed the same (Please see attached "******* ***********"). As such i request to take the debt collection off my credit report.
Business response
07/22/2024
You placed a BBB complaint earlier this month referring to a contract; only. The account that has been placed in collections is for service provided to the address: ***** **** ** ******** ******* ** disconnected in 10/2023 for non payment. ( A different account than what was discussed in the chat transcripts). It is not for your current account. The account has been placed in collections. It is not a "past due" balance. It is no longer an active account. Validation of the debt has been requested and will be mailed to you. Other than the validation, we have ceased all other communications.
Customer response
07/23/2024
I have not used *************** services at ***** **** *** i was using internet with a different service provider at that address. I request to provide the original contract where i authorized ******* to provide me services at the said address along with the debt validation information. In addition, since this debt was reported to the credit bureau, i also request the debt be reported as disputed.
Business response
07/23/2024
Validation of the debt has been requested and the dispute forwarded to *******. The account lists the same email address provided in this complaint. Service began in July 2023 through October 2023 with a monthly charge of $45.00. Eastern Account System is a third party collection agency that works on behalf of the original creditor. Eastern cannot adjust or alter the balance in any way.
If you believe this a case of identity theft, per the original creditor:
To resolve your issue, please click on the following link: ****************************************
You may also call ###-###-####. Please access one of these resources to validate your claim.
Customer response
07/25/2024
Since this debt was reported to the credit bureaus by Eastern Account, i request the debt be reported as disputed.
Initial Complaint
07/17/2024
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 a victim of identity theft. I am writing to request that you block the following fraudulent information from mycredit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receiveany money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Business response
07/18/2024
Someone verifying your personal information spoke with two different representatives. The last conversation, this person advised the representative that the account was paid and equipment was returned. The call before, this person advised the representative they would handle this with ******* and ended the call. Payment was made to the original creditor and the account updated accordingly. It has been noted that you are disputing this account and will be reported to the bureaus as such. If this is indeed identity theft; per the original creditor:
Please go to the ID Theft site ****************************************************************** or “******** ID Theft” in their preferred search engine and review the ******** website for the most up-to-date info on required documentation.
Please fax or mail in Fraud Packets to the ******** Fraud Team. Please send the info to the Fraud team at the following:
- fax # for theft packet submissions (preferred method) - ###-###-####
- mailing address for theft packet submissions (alternate method):
******* Communications ATTN: Fraud Protection Team **** ****** ***** *** **** ******** ***** ** *****
Initial Complaint
07/12/2024
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.
The supposed collection number never matched who they claimed to be collecting for. It has went to zero without me ever paying them. I would like it removed from my credit report
Business response
07/12/2024
A payment was made to the original creditor. The account was updated accurately. If you wish to discuss this in greater detail, to protect your privacy and for security purposes,Please contact [email protected]. Please provide your address and date of birth? If you prefer to speak with a representative, please call ###-###-####.
Customer response
07/13/2024

Complaint: ********

I am rejecting this response because it has not been removed from my credit report

Sincerely,

***** ********
Business response
07/15/2024
The account is reporting correctly based on the data provided. If you wish to discuss this in greater detail, to protect your privacy and for security purposes,Please contact [email protected]. Please provide your address and date of birth? If you prefer to speak with a representative, please call ###-###-####.
Customer response
07/15/2024

Complaint: ********

I am rejecting this response because: I wish to get it removed from my credit report. Employees at eastern account system said it is possible under the correct actions taken so I am wanting to either get those started or get it figured out

Sincerely,

***** ********
Initial Complaint
07/11/2024
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I’m not liable for this debt with eastern account systems, I do not have a contract with the collection agency that’s trying to collect, they did not provide me with the original contract as requested
Customer response
07/11/2024
Wasn’t sure of he representatives name but they stated I owed a debt and I wasn’t aware of the account but offered me a pay to delete
Business response
07/11/2024
Your contract is with the original creditor, not Eastern Account System.
Eastern Account System is a third party collection agency that works on our client’s behalf.
All calls are recorded. This account has been paid in full. You spoke to a representative three times recently and was advised the account would update to paid in full, zero balance. The account is reporting correctly.
Customer response
07/11/2024
the first attempt I contacted the company the person who took my payment said once I pay in full it’s can be removed but they wasn’t able to do it, so I called in 3 more times to check after I paid, but I’m in the process of purchasing a home And I really need this account removed to qualify, I understand your company update to paid but for a good will adjustment can I please get this removed, my mortgage specialist told me a paid status want change my fico score, can the company accept this one time as a good will adjustment to please remove this account I’m begging you, your my last hope

Sincerely,

****** ********
Business response
07/11/2024
Eastern does not do pay for delete. I have made the exception and wish you the best of luck with your new home.
Customer response
07/11/2024

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. I really appreciate it, my family thanks you

Sincerely,

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

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ComplaintsforEastern Account System of Connecticut, Inc.

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