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:02/21/2025

  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 am not liable for this debt and I do not have a contract with COLLECTION BUREAU OF F plus they did not provide me with the original application like I asked. Account No: 16955 Amount Disputed: $5647

  

  Business Response

  Date: 02/21/2025

  Ms. ******,

  Thank you for reaching out to our office. According to our records, we mailed you a statement of charges on 3/17/2023 to the address of **** ** **** *** ****** ** ****** when we received your dispute from Transunion. Here is our license number for collection in the state of Florida: CCA9904751. You are more than welcome to look our agency up. I have attached the statement of charges for you to review. If you have any questions, please contact our office at 866-292-9978, M- F, 8 AM-5 PM CST.

• Initial Complaint

  Date:02/10/2025

  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 had this company on my credit report for some time now. They have never tried to contact me. I have no idea why they say I owe them money. I’ve never been to ft Walton. But some how I have collection bureau of ft Walton on my credit report. In the amount of 617$. I disputed it once. And it got kicked back. I do t know how to contact them since they have not contacted me.

  

  Business Response

  Date: 02/10/2025

  Mr. ******,

  Thank you for reaching out to our office. The balance of $617.00 is due to Jackson County Fire & Rescue from date of service, 07/02/2020. We mailed our notice to the mailing address of **** ***** *** *********** *** back on 12/29/2020. We have never received a return mail from this address. We have updated your mailing address to the address you provided and have mailed you a statement of charges. If you have further questions, you may reach out to our office at 866-292-9978 M-F 8 AM-5 PM CST

• Initial Complaint

  Date:01/06/2025

  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 am not liable for this debt with ********* APTS AT CORDOVA. I do not have a contract with COLLECTION BUREAU OF FT WALTON, they did not provide me with the original contract as requested.

  

  Business Response

  Date: 01/13/2025

  Mrs. *****,

  Thank you for reaching out to our office regarding the balance due to ********* Apartments at Cordova. We have had your account in our office since 3/20/2023 and have never received a call or a letter from you requesting validation. We mailed our first notice to you on 3/21/2023 to the address of 1320 Sandalwood Dr Sandy Springs, Ga 30350 we have never received a mail return from this address. We have reached out to our client to obtain a copy of the lease agreement and the break-down of charges. Once received in our office we will email you a copy since you did not provide your full mailing address. If you have any further questions please call our office at 866-292-9978 M-F 8AM-5PM CST.

   

• Initial Complaint

  Date:11/04/2024

  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 not liable for this debt with MHC INC ********** and I do not have a contract with COLLBURFTWB plus they did not provide me with the original application like I asked. Account No: 12925** Amount Disputed: $1,065

  

  Business Response

  Date: 11/07/2024

  Mrs. ****,

  According to our notes, you have never contacted our office requesting validation of the debt owed to **********. We have reached out to our client to obtain the statement of charges, the signed fee agreement, and a copy of the explanation of benefits from your insurance, Cigna. We have placed the copies in the mail to you. If you have further questions, you may contact our office at 1-866-292-9978 M-F 8AM-5PM CST.

• Initial Complaint

  Date:10/09/2024

  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 submitting this complaint regarding a debt collection attempt by Collection Bureau of Ft Walton Beach for an alleged debt that is not mine. They are attempting to collect on a debt they claim is associated with an account from AAH ****** Lane Apts. I have already contacted them to dispute this debt, as it does not belong to me, and requested verification under the Fair Credit Reporting Act (FCRA). Despite my attempts to resolve this matter and have the debt validated, I have not received the necessary proof confirming the legitimacy of this debt. I provided documentation to verify my identity and further demonstrate that I am not responsible for this debt. I request that the company cease all collection efforts until they can adequately verify the debt or confirm that it does not belong to me. I’ve already filed an identity theft FTC report proving the debt isn’t mine. If they cannot verify the debt is mine it needs to be removed immediately.

  

  Business Response

  Date: 10/09/2024

  Mrs. ******* We have not received any communication from you regarding the balance due on the account with ****** Lane Apartments. I do see you have attached a copy of your FTC report. We also need a copy of a police report that you have filed with your local police department since you suspect this account to be a fraud. We have marked your account as disputed in our office. We have contacted the management company, ********* ********* *****, to obtain a breakdown of charges and move-out photos. We have attached these documents to this response for your review. If you have further questions, please get in touch with our office at 866-292-9978, Monday through Friday, 8 am to 5 pm CST

• Initial Complaint

  Date:08/30/2024

  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 just need to find out what you guys have against me so I can work out a payment plan to get it took care of. I moved states and a lot of my information has changed so I have no idea where or what is going on

  

  Business Response

  Date: 08/30/2024

  Mr. Davis,

  Per our phone conversation on 8/30/24, we went over the account details with you and offered a settlement of $225.78 to settle the account in full. If you have further questions about the account in our office, you may reach out to our office at 866-292-9978, M-F, 8 am—5 pm CST.

• Initial Complaint

  Date:08/27/2024

  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.

  This letter is sent to you in response to a listing on my credit report in regard to Collection Bureau of FT (Acct #14759**). I am sending this communication again because I did not receive a response to my letter dated 5/23/24. This is a notice that your claim is disputed. I am a victim of Identity Theft. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (8) (FDCPA), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Your attorney or legal staff will agree that compliance with this request is required under State and Federal Statutes. In addition to the questionnaire attached below, please attach copies of: Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. Agreement that bears the signature of the alleged debtor wherein he or she ag**** to pay the creditor. Also, please be advised this letter is not only a formal dispute, but a request for you to cease and desist any and all collection activities until it can be established that this debt is owed by me. I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities ,the BBB and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion. I also hereby reserve my right to take private civil action against you to recover damages.

  

  Business Response

  Date: 08/30/2024

  Mrs. ************
   We received your validation request. According to our records, we mailed you the breakdown of charges on 5/14/2024 after we received your dispute you placed with Transunion. I have attached the breakdown of charges to this response. If you have further questions, please contact our office at 866-292-9978, Monday through Friday, 8 am to 5 pm CST.

  Customer Answer

  Date: 09/03/2024

  
  Complaint: 22196928
  
  I am rejecting this response because: Back in Oct of 2020, Cheryl ***** had me and Chris **** to come into the office, I signed paperwork waiving all my rights to the apartment leaving chris **** soley responsible, I needed to move out because within this same month the police had been called to the apartment so chris and i both decided it was best for me and my daughter to move out because chris and my daughter was not getting along so my daughter and I moved into my commercial office( i wasnt allowing customers to come into office due to covid) and my daughter, dog and  up until I was evicted from there b/c we were'nt allowed to be living in my commercial space. Chris ended up getting evicted from his place on ***** dr and Cheryl used my information to put me back on the lease and put the eviction on my record. I lost 4 family members starting in Jan 2020 back to back so i lost track of things but cheryl is falsly including me on a debt that I should be on. Its been a long time ago so Im currently still looking to see where the waiver is but Chris has provided a statement, and I have sent proof of her addressing soley him after. I am also going to sue that location for falsely using my info which i have attached. I also attached proof that I have been living at my office building which i had rented out initially 5/2019. I dont think it would be fair to damage someone reputation with a lie and we're prepared to fight this is court which is why I am disputing the complaint. I also have some more evidence however im having problems uploading documents and Im legally blind I need to email these documents please 
  Sincerely,
  
  Andrea ***********

  

  Business Response

  Date: 09/03/2024

  Mrs. ****,

  We have reached out to the management company for ******** **** Apartments they have ag**** to removed your name from the claim. I have attached a letter from our office showing that the account was canceled in our office. They claim will stay open under Chris ****'s name. Our next report to the credit bureau's will go out next Monday September 9th to have the account removed from your credit file. If you have any questions you may contact our office at 866-292-9978.

   

  Customer Answer

  Date: 09/06/2024

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID 22196928, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  Andrea ***********

• Initial Complaint

  Date:06/20/2024

  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.

  Business never notified me or tried to collect but has been on my credit report for 7 months. No opportunity to dispute the charges.

  

  Business Response

  Date: 06/25/2024

  Mrs. *****
  According to our records, we have tried to contact you regarding the balance with Shalimar Rental. With the most recent date of June 19, 2024, we sent out an email notification to your email that was provided to us. We have marked your account in our office as disputed and attached a statement of charges for you to review. If you have any questions, please contact our office at 1-866-292-9978, Monday-Friday, 8 AM-5 PM CST. 

• Initial Complaint

  Date:05/08/2024

  Type:Order 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 AAG PALADIN APARTMENTS. I do not have a contract with COLLECTION BUREAU OF FT, they did not provide me with the original contract as I requested.

  

  Business Response

  Date: 05/13/2024

  Mr. ********,

  According to our records, we have never received a written request from you for information about your account with AAG-Paladin Apartments. Therefore, we are unable to remove the collection from your credit file. However, I have attached your statement of charges provided by Paladin Apartments when they turned your account over to us for collection on 5/4/2023. If you have further questions, please contact our office at 1-866-292-9978, Monday through Friday, 8 AM to 5 PM CST.

• Initial Complaint

  Date:03/28/2024

  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.

  Equifax deleted an inaccurate account linked to the Collection Bureau of Fort Walton Beach. After I posted a negative Google review detailing my personal encounter with the company, they conducted a hard inquiry on my Equifax report.

  

  Business Response

  Date: 04/07/2024

  We continue to operate in within the all applicable laws and best practices that govern our practice.  

  Customer Answer

  Date: 04/08/2024

   
  Complaint: 21500169
  
  I am rejecting this response because:
  A collection company doesn’t have the authorization to conduct a hard pull on anyone’s credit. Sections 604 through 621 of the FCRA cover the responsibilities and limitations of entities reporting consumer credit information. United States Code, Title 15, ******* *** ********** ************ **** ******* ***** of Title 15, Chapter 41* ********** **** provide regulations governing credit reporting agencies and their practices.
  Sincerely,
  Tisha *********

  

  Business Response

  Date: 04/08/2024

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

  -AND-

  From the CFPB website:

  Know your data-
  Consumer reporting companies collect information and provide reports to other companies about you. These companies use these reports to inform decisions about providing you with credit, employment, residential rental housing, insurance, and in other decision-making situations.
  

  Who can see your consumer reports-
  Consumer reporting companies must follow legal restrictions, but generally can provide consumer reports and risk scores to an array of businesses, including:
  Lenders (including those that offer credit cards, home, payday, personal, title, auto including auto leasing, student loans, security deposit financing and lease guarantees on home rentals, and buy-now-pay-later (BNPL) products)
  Employers and volunteer organizations (pre-employment screening and on-going employee monitoring)
  Government agencies to determine eligibility for government assistance
  Landlords and residential real estate management companies for short- and long-term residential property rentals (tenant screening)
  Banks, credit unions, payment processors and retail stores that accept personal checks (check screening)
  Companies that market and sell certain products and services specifically to lower-income consumers and subprime credit applicants, such as companies providing short-term lending and rent-to-own lending businesses among others
  Debt buyers and debt collectors
  Insurance companies (health, life, property insurance screening)
  Telecommunication and utility companies (e.g., mobile phone, pay TV, electric, gas, water)
  Retail stores for product return fraud and abuse screening as well as retail stores that offer financing such as appliance and rent-to-own businesses, among others
  

   

  Customer Answer

  Date: 04/08/2024

   
  Complaint: 21500169
  I am rejecting this response because: The Collection Bureau of Fort Walton Beach, with whom I have no contractual agreement, and from whom I did not request any type of loan, payday loan, or other transaction necessitating a hard credit inquiry. Your capability is limited to conducting a soft check, not a hard inquiry. You operate as a third-party debt collection agency. Stay within your role! Henceforth, my legal representative will handle all communication with this company. They will come to understand, through legal means, that they are bound by the law. The numerous violations of the Fair Debt Collection Practices Act (FDCPA) that I possess as evidence will result in significant consequences for this company. Evidence and legislation are immutable, and I possess ample amounts of both.