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Complaint Details
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Initial Complaint
06/14/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
I'm not liable for this debt with Upgrade, I do not have a contract with CROWN ASSET MANAGEMENT, they did not provide me with the original contract as requested.
Business response
06/21/2024
Crown Asset Management (CAM) is in receipt of *********************** BBB Complaint Case # ********. As stated in our Consumer Relations Policy, we strive to treat consumers with respect and integrity in all that we do. We are committed to engaging in respectful and constructive dialogue, creating solutions for our consumers that resolve their debt, and ensuring that those who work on our behalf adhere to these same standards.
Our investigation of this matter indicates that *********************** ******************************* account ending in 2013 was opened on March 27, 2023, charged-off on December 26, 2023, and subsequently purchased by CAM on or about January 25, 2024.
Prior to receiving the subject complaint, *** has not received a request from the consumer requesting documentation to validate the debt. Attached is verification of the debt for the consumers convenience.
CAM is not a data furnisher and does not report any derogatory information to credit bureaus. Additionally, CAM does not have the authority to amend or delete tradelines reported by other companies.Initial Complaint
06/08/2024
- Complaint Type:
- Product Issues
- Status:
- Answered
I had a loan with Upstart through ***************** My loan was automatically deducted each month from my checking account. I received a letter notifying me of the change and that there was nothing I needed to do. The company that bought the loan is Crown Asset Management . I noticed that the money was not being deducted. I inquired and received a letter stating that my information was incorrect and I needed to change it. I called my bank and they said no one had tried to deduct money and that my information never changed. I emailed the company using the link in the letter they sent. No one responded. I called and was told they couldn't speak to me because my account was in collections. I never received any letter or email telling me that I was in default or that it was going to collections. I had to wait 2 more weeks until I was contacted by the collection agency and obviously by that time it was too late to do anything. When I asked the collection agency why I was never notified they said they didnt know the law and if I had to be.Business response
06/17/2024
Crown Asset Management (CAM) is in receipt of *********************** BBB Complaint Case # ********. As stated in our Consumer Relations Policy, we strive to treat consumers with respect and integrity in all that we do. We are committed to engaging in respectful and constructive dialogue, creating solutions for our consumers that resolve their debt, and ensuring that those who work on our behalf adhere to these same standards.
Our investigation of this matter indicates that *********************** *************************************** account ending in 5651 was opened on February 25,2022, charged-off on February 23, 2023, and subsequently purchased by CAM on or about February 28, 2024.
CAM is not a data furnisher and does not report any derogatory information to credit bureaus. Additionally, CAM does not have the authority to amend or delete tradelines reported by other companies.
The consumers account is currently placed with D&A Services, LLC for servicing, who may be reached directly at ************.Customer response
06/17/2024
Complaint: 21821867
I am rejecting this response because it doesnt explain why I was never notified in writing that I was delinquent and was being sent to collections
Sincerely,
*********************************Business response
06/21/2024
*** is the current creditor of the account and therefore unable to substantiate the consumers allegations from the original creditor.
The consumers account is currently placed with D&A Services, LLC for servicing, who may be reached directly at ************.Initial Complaint
06/07/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
Crown asset management, sold a debt to an attorney without validating said debt, from a petal credit card that I had owed on. I paid on it, and should have had said balance cleared. therefor I do NOT owe anything else. I am disputing this debt!!! That said, they sent it to an attorney and are threatening to **** I believe they violated the law, by sending it to civil court, without stating that I even owed this debt. They filed a lawsuit in civil court for $1069. I am not liable for this debt, and should have been notified by regular mail of said validation, instead of going straight to court. I cannot afford a judgement against my wages, at this time per their attorney, ************************************ PO BOX *****, MIDDLBURG HGTS, OHIO ***** CLAIMS I owe. I am not liable for this contract. Per the **** crown asset management, was supposed to have notified me prior to filing a law suit in civil court. This will not go to court, as they failed to provide proper validation per the ****, and just sent it to court. They flat out bought it, and sent it straight to court.Business response
06/17/2024
Crown Asset Management (CAM) is in receipt of *********************** BBB Complaint Case #********. As stated in our Consumer Relations Policy, we strive to treat consumers with respect and integrity in all that we do. We are committed to engaging in respectful and constructive dialogue, creating solutions for our consumers that resolve their debt, and ensuring that those who work on our behalf adhere to these same standards.
Our investigation of this matter indicates that ***************************** Card, Inc.,WebBank account ending in 5258 was opened on March 22, 2021, charged-off on September 23, 2022, and subsequently purchased by CAM on or about December 20,2022.
The initial written communication notifying the consumer of the debt was sent to the consumer on February 2, 2024, to the same address listed in this complaint. The lawsuit was filed on or about June 6, 2024, and service was perfected on June 7, 2024.
If the consumer can provide evidence of this account being previously paid in full, as stated in the complaint, we encourage them to provide for further review.
The consumers account is currently placed with **** for servicing, who may be reached directly at ************.Customer response
06/17/2024
Complaint: 21818278
I am rejecting this response because: I dispute this debt by law FDCA requires you to validate the debt prior to sending it to court. Your company had no business taking a debt to court without validating, said debt. This is your formal dispute and i will be sending a notarized copy of said dispute to ****.
Sincerely,
*********************Business response
06/26/2024
*** previously responded to this complaint on June 17, 2024. Due to pending litigation CAM is unable to respond further at this time.Initial Complaint
06/07/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
I am requesting for the wage garnishment to be lifted from my employer as I believe that there is a lack of validity associated with this account.Business response
06/21/2024
Crown Asset Management (CAM) is in receipt of ****** Piggees BBB Complaint Case # ********.As stated in our Consumer Relations Policy, we strive to treat consumers with respect and integrity in all that we do. We are committed to engaging in respectful and constructive dialogue, creating solutions for our consumers that resolve their debt, and ensuring that those who work on our behalf adhere to these same standards.
Our investigation of this matter indicates that ******************** entered into a Santander Consumer Auto Loan account ending in 1000 on December 10, 2013. The account was charged-off on August 31, 2017, and subsequently purchased by CAM on or about July 30, 2018, and is currently placed with ***** & Brand, LLC for servicing.
Due to pending litigation CAM is unable to respond further at this time.Initial Complaint
06/04/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
Got a letter stating Im being garnished for case # **** CVF ******. According to municipal court records, this was already paid. Are you allowed to double dip?Business response
06/18/2024
Crown Asset Management (CAM) is in receipt of ***************** BBB Complaint Case #********. As stated in our Consumer Relations Policy, we strive to treat consumers with respect and integrity in all that we do. We are committed to engaging in respectful and constructive dialogue, creating solutions for our consumers that resolve their debt, and ensuring that those who work on our behalf adhere to these same standards.
Our investigation of this matter indicates that ***************** Synchrony Bank,Lowes Consumer Credit Card, account ending in 2370 was opened on February 8,2015, charged-off on October 12, 2016, and subsequently purchased by CAM on or about March 19, 2017.
After numerous attempts to amicably resolve this matter were unsuccessful, a lawsuit was filed on or about December 12, 2018, the consumer was served on February 26, 2019, and judgment was awarded to CAM on April 16, 2019.
The final garnishment payment in the amount of $270.76 was received on June 10,2024. Once the payment clears, the consumers account will reflect as Paid in Full,and the garnishment will be released.Initial Complaint
05/24/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
I am not reliable for the debt with crown asset Management, LLC. I do not have a contract with this company. They did not provide me with the requested information meaning the original contract.Business response
05/31/2024
Crown Asset Management (CAM) is in receipt of ************************* BBB Complaint Case # ********. As stated in our Consumer Relations Policy, we strive to treat consumers with respect and integrity in all that we do. We are committed to engaging in respectful and constructive dialogue, creating solutions for our consumers that resolve their debt, and ensuring that those who work on our behalf adhere to these same standards.
Our investigation of this matter indicates that ************************* Comenity Bank,Victorias Secret account ending in 3782 was opened on November 26, 2008,charged-off on December 31, 2018, and subsequently purchased by CAM on or about January 7, 2019.
Prior to receiving the subject complaint, *** has not received a request from the consumer requesting documentation to validate the debt. Attached is verification of the debt for the consumers convenience.
CAM is not a data furnisher and does not report any derogatory information to credit bureaus. Additionally, CAM does not have the authority to amend or delete tradelines reported by other companies.
The consumers account is currently placed with Second Round, LP for servicing, who may be reached directly at ************.Customer response
05/31/2024
Complaint: 21758124
I am rejecting this response because: This is not proof of owning the account. That is a copied and pasted agreement. My signature is not attached to the agreement. This account was bought by this company as I have showed proof. I do not have an account or signed an agreement with this company. No contract.
Sincerely,
*****************************Business response
06/07/2024
As previously stated,our investigation of this matter indicates that ************************* ************** Victorias Secret account ending in 3782 was opened on November 26, 2008, charged-off on December 31,2018, and subsequently purchased by CAM on or about January 7, 2019.
Comenity Bank sent the consumer a Goodbye letter dated January 8, 2019, to the address on file at the time of charge-off advising that the debt was sold to CAM, attached for the consumers convenience.
The consumers account is currently placed with Second Round, LP for servicing, who may be reached directly at ************.Customer response
06/07/2024
Complaint: 21758124
I am rejecting this response because: This debit is not mine. Do not have a contract with third party. Never showed proof of debit. Only provided a letter showing credit card information Have not provided me with a signed contract and will not provide me with one after continuously asking. Remove off my credit immediately or I will sue.
Sincerely,
*****************************Initial Complaint
05/16/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
I have received a letter from upstart that my loan has been sold to crown asset management.. i tried contacting them and never received any call back or any letter backplease help me i called them multiple times they never responded. I have never signed any contract with crown asset management .Business response
05/23/2024
Crown Asset Management (CAM) is in receipt of *************************** BBB Complaint Case # ********. As stated in our Consumer Relations Policy, we strive to treat consumers with respect and integrity in all that we do. We are committed to engaging in respectful and constructive dialogue, creating solutions for our consumers that resolve their debt, and ensuring that those who work on our behalf adhere to these same standards.
Our investigation of this matter indicates that *************************** *********************************** account ending in 5190 was opened on December 12, 2022, charged-off on September 10, 2023, and subsequently purchased by CAM on or about September 27, 2023.
The consumer spoke with CAMs servicer, ******,******** & ****, P.C. (GAT), on May 17, 2024. During this call, the consumer requested the removal of the *********************** that was previously assisting the consumer with this matter and rescinded the do not call status previously noted on the account. Repayment options were also discussed during the call, but the consumer did not accept the terms provided to resolve this matter. CAM invites the consumer to reach out to GAT at ************ for further assistance.Initial Complaint
05/13/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I had an account with ********** and Trust i paid them off and they sold my account to ********************** LLC. For an amount that was not correct. I demand Crown Asset Management LLC to be removed from my credit.Business response
05/23/2024
Crown Asset Management (CAM) is in receipt of ************************* BBB Complaint Case # ********.As stated in our Consumer Relations Policy, we strive to treat consumers with respect and integrity in all that we do. We are committed to engaging in respectful and constructive dialogue, creating solutions for our consumers that resolve their debt, and ensuring that those who work on our behalf adhere to these same standards.
Our investigation of this matter indicates that ************************* ********** &Trust, Mercury account ending in 2944 was opened on October 19, 2021,charged-off on July 26, 2023, and subsequently purchased by CAM on or about July 31, 2023.
The consumer recently sent a written request to CAMs servicer, ********, Felt & *******, LLP (********), dated April 16, 2024, requesting verification of the debt. The verification of debt is attached for the consumers convenience.
Prior to receiving the subject complaint, *** has not received a notification from the consumer claiming that this account has been previously paid in full. As a result, CAM inquired with the original creditor for additional information.Based on their review, the consumers last two payments were returned, and the consumer did not dispute the debt. If the consumer has further documentation to support their claim that the balance was previously paid in full, CAM requests that the information be provided for further review and investigation. The consumers account has been updated to reflect cease and desist.
CAM is not a data furnisher and does not report any derogatory information to credit bureaus. Additionally, CAM does not have the authority to amend or delete tradelines reported by other companies.
The consumers account is currently placed with ******** for servicing, who may be reached directly at ************.Customer response
05/23/2024
I did not have an account with ********************** collection I refuse to pay them.Business response
05/30/2024
As stated in our previous response, our records reflect that the consumers account was purchased by CAM on or about July 31, 2023. First Bank & Trust sent the consumer a notification letter to the same address as listed on this complaint dated August 15, 2023, advising that the debt was sold to CAM,attached for the consumers convenience.
The consumers account is currently placed with ******** for servicing, who may be reached directly at ************.Customer response
05/30/2024
Complaint: 21706424
I am rejecting this response because: if this was sold to a collection company was I'd this account showing as closed with a balance and it's not under my collection. This account should have been sent to collection if first bank sold it to a collection company with a status of 0. Balance.
Sincerely,
***********************Business response
06/03/2024
Based on the consumers recent complaint, CAM is unclear how to further assistance the consumer.
CAM is not a data furnisher and does not report any derogatory information to credit bureaus. Additionally, CAM does not have the authority to amend or delete tradelines reported by other companies.
The consumers account is currently placed with ******** for servicing, who may be reached directly at ************.Customer response
06/04/2024
Complaint: 21706424
I am rejecting this response because: I am having a hard time understanding why they are acting as if they don't know what is going on. I received a letter from the court stating that the collection company has suied me but yet it's not under collection with in my bureau. I asked the credit specialist and they said that the collections company should be aware of the situation and the account has to be in closed statutes before sending out letters to the clients. If they are not willing to close this account I will be getting a lawyer. This is so frustrating because I do not work and I do not get any help from the government. I had paid the first bank and will not pay more for what I did not use.
Sincerely,
***********************Initial Complaint
05/03/2024
- Complaint Type:
- Sales and Advertising Issues
- Status:
- Answered
I had a small personal loan with Upstart & owed about 1700 before it was charged off. After it was charged off in February and sold in March I received a letter from upstart letting me know crown asset management llc would be handling my debt now. I received the letter in March and have sent emails and called everyday since to see where it had landed. I had picked up a second job and had intentions on resolving this debt quickly. Ive never had issues with collections until it landed with these people.Business response
05/03/2024
Crown Asset Management (CAM) is in receipt of ************************* BBB Complaint Case # ********. As stated in our Consumer Relations Policy, we strive to treat consumers with respect and integrity in all that we do. We are committed to engaging in respectful and constructive dialogue, creating solutions for our consumers that resolve their debt, and ensuring that those who work on our behalf adhere to these same standards.
Our investigation of this matter indicates that ************************* *********************************** account ending in 9759 was opened on November 26, 2021, charged-off on February 24,2024, and subsequently purchased by CAM on or about March 28, 2024.
The consumers account is placed with CAMs servicer, January Technologies, Inc.. CAM invites the consumer to reach out to them at ************ for further assistance.Initial Complaint
04/26/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
No Validation with signatures has been provided as I have requested of the company. They are hindering my financial future with negative credit reports and thus violating USC, Fair Credit reporting act. Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor.Where is that documentation that I have asked for? Complete payment history, the requirement of which has been established by ****** v *******, 745 N.E.2d 862;2001 Ind. App. ***** 509. Please provide verification line item (with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc.) for the entire amount you say I owe obtained directly from the Original CreditorBusiness response
05/03/2024
Crown Asset Management (CAM) is in receipt of ********************************* BBB Complaint Case # ********. As stated in our Consumer Relations Policy, we strive to treat consumers with respect and integrity in all that we do. We are committed to engaging in respectful and constructive dialogue, creating solutions for our consumers that resolve their debt, and ensuring that those who work on our behalf adhere to these same standards.
Our investigation of this matter indicates that ********************************* Petal Card,Inc., WebBank account ending in 8677 was opened on April 15, 2021, charged-off on October 24, 2022, and subsequently purchased by CAM on or about December 20,2022.
Prior to receiving the subject complaint, CAM nor its servicer have not received a request from the consumer requesting documentation to validate the debt.Verification of the debt was sent to the consumer directly on or about May 2,2024, and is attached for the consumers convenience.
CAM is not a data furnisher and does not report any derogatory information to credit bureaus. Additionally, CAM does not have the authority to amend or delete tradelines reported by other companies.
The consumers account is currently placed with ****** *****, LLP for servicing, who may be reached directly at ************.Customer response
05/04/2024
Complaint: 21630008
Be advised that I am not requesting "verification" that you have my mailing address, I am requesting a "validation", that is, competent evidence that I have some contractual obligation to pay YOU (CAM).You should also be aware that sending unsubstantiated requests for payments through the United ****************** constitute mail fraud under federal and state guidelines/law.
Your failure to satisfy request
I am rejecting this response because: Crown Asset Management and its representatives, minions,etc have failed per USC and FCRA to prove/provide that ********************************* has a SIGNED agreement for a credit line, loan or services with CAM (Crown Asset Management) by Both parties. Please provide proof that CAM is indeed the Original creditor, otherwise and this Will also be sent via registered mail to CAM and their law guy , CAM and all parties associated with CAM will Cease and Desist from Contacting in Any way ,shape or form ********************************* LKA ***********************************************-5421so please provide Complete payment history, the requirement of which has been established by ****** v *******, 745 N.E.2d 862;
2001 Ind. App. ***** 509. Please provide verification line item (with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc.) for the entire amount you say I owe obtained directly from the Original Creditor:
??Date of Last Activity,
??My full, complete and correct social security number that *** help to identify me as the correct person you are trying to collect from.
??Agreement that bears the signature of the alleged debtor wherein he agreed to pay the *original creditor.If you can state your claim & provide that contract I have with you whereas there is a wet ink signature from the Claimant & someone From the RESPONDENT, I would be happy to settle this alleged account.
Sincerely,
*******************************Business response
05/10/2024
As stated in our previous response, competent evidence of the consumers obligation to this debt was supplied in alignment with requirements under USC 1692. The debt in question was opened online. A copy of the Terms and Conditions is attached for the consumersconvenience.
The consumer was provided a verification of debt packet in CAMs previous response, totaling 81 pages, which includes a breakdown of their payments. Pages 78 through 81 of that same verification packet reflects the Bill of Sale of the consumers account from WebBank, *********** **** to CAM. A copy of just those pages are attached for the consumers records, along with the Terms and Conditions of this debt.
Both CAM and ****** *****, LLP have the account listed as being in a cease-and-desist status, as requested by the consumer.
The consumers account is currently placed with ****** *****, LLP for servicing, who may be reached directly at ************.
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Customer Complaints Summary
90 total complaints in the last 3 years.
38 complaints closed in the last 12 months.