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Complaint Details
Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.
Initial Complaint
01/22/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
This collection agency LJ Ross has placed a collection on my credit and they never sent me a letter nor a telephone call about this collection so I had no idea I had a collection account and by law I was suppose to be given 30 days to review the validity of the debt. They placed this on my credit on 12/30/22 knowing come Jan 1 2023 any collections under $500 shouldnt be placed on my credit that bill they state I owe is only $150.00 I would like the collection removed from my credit. In my book they committed fraud and violated my consumer rights by not contacting me and giving me 30 days to review the debt.Business response
01/24/2023
*************** Associates, **** (LJRA) has completed a full investigation. The BBB portal is not the proper communication portal for the consumer to communicate. LJRA will mail validation information directly to the consumer. LJRA will also include a copy of the original written communication that was mailed to the consumer back on 11/3/2022 to the same address listed on this complaint. LJRA denies all accusations of of fraud and violating consumer rights. LJRA prides itself on its compliance with all federal and state laws, and our investigation shows that we have acted in full compliance. Also, the consumer makes a claim that we placed the item on their credit report "on 12/30/22 knowing come Jan 1 2023 any collections under $500 shouldn't be placed on my credit that bill they state I owe is only $150.00". LJRA would like the consumer to understand that the proposed change in medical debt credit reporting of debts under $500.00 does not go into effect until March 2023, and is still not confirmed in law or regulation by any state or federal entity. LJRA will not respond with any account information details via the BBB portal due to the public posting of BBB complaints and responses, and we will not disclose private information via a public source. Once the consumer receives the validation information, LJRA asks that the consumer contact our office directly to any further questions and/or account resolution options. We are available Monday through Thursday from 8am to 7:30pm and Friday from 8am to 2pm EST. Our toll free phone number is **************.Initial Complaint
12/13/2022
- Complaint Type:
- Sales and Advertising Issues
- Status:
- Answered
Did not properly verify informationBusiness response
12/14/2022
**** needs more information to the reason to the complaint. Please have the consumer provide more details in order for LJRA to investigate and respondInitial Complaint
11/19/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
Lj Ross account number ****** have violated my rights 15 U.S.C **** section 602 A. States I have the right to privacy. 15 U.S.C **** section 604 A section 2: it also states a consumer reporting agency cannot furnish a account without my written instructions 15 *********** without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debtBusiness response
11/21/2022
*************** Associates, **** (LJRA) has completed a full investigation, and we are requesting removal of the complaint from the BBB's portal as this is not a complaint against LJRA or its actions.This is a request for validation that should be communicated directly with LJRA. The BBB portal is not the proper communication portal for these requests. LJRA will mail the validation information directly to the consumer. LJRA will not respond with any account information via the BBB portal due to the public posting of BBB complaints and responses, and we will not disclose private information via a public source. Once the consumer receives the validation information, LJRA asks that the consumer contact our office directly to any further questions and/or account resolution options. We are available Monday through Thursday from 8am to 7:30pm and Friday from 8am to 2pm EST. Our toll free phone number is **************.Initial Complaint
10/04/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
They should desist from calling my job and when I am at work.They refused to disclose who they represent and sounded like scammers.Requesting for credit card information over the phone and social security number.Business response
10/10/2022
*************** Associates, **** (LJRA) has conducted a full investigation. LJRA reviewed the call recording and verified that our agent did not ask the consumer for credit card information. LJRA is required by federal law to properly identify that we are speaking with the correct consumer prior to disclosing any information in our office. The consumer refused to verify any information and stated not to call them anymore. LJRA placed the account in a cease and desist status and will no longer attempt to contact the consumer by mail or phone.Initial Complaint
07/07/2022
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
LJ Ross has a collection on my account for medical debt that was suppose to of been paid by insurance. The most ironic thing is LJ Ross likes to respond on here saying they can not talk about personal information but had no problem to violate the ***** and call a family member of mines landline discussing my personal information over a $35 collection. Have never seen any proof this is my responsibility yet they will not remove it from credit report, ******** AG's office and FTC are the next step.Business response
07/08/2022
*************** Associates, **** (LJRA) has reviewed and investigated this complaint. A review of our records shows that LJRA has already received a complaint from this consumer via the ****'s complaint portal back in July 2021 making the same claims. LJRA provided all information to the **** disproving the consumer's claims. The **** investigated and closed the complaint without any findings. LJRA will not post the investigation results here on the BBB portal, but the consumer may contact the **** once again to get the investigation results from their previous complaint. LJRA requests that the consumer contact our office directly to discuss the account and resolution options. We are available Monday through Thursday from 8am to 7:30pm EST, and Friday from 8am to 2pm EST at **************. LJRA welcomes the opportunity to assist the consumer and ask that they contact us directly as we are limited in information we can provide through third-party portals. However, prior to discussing anything, the consumer will be required to rescind their cease and desist order on their account.Customer response
07/08/2022
[A default letter is provided here which indicates your rejection of the business's response.
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint. For your reference, details of why I am rejecting this response appear below:
[You must provide details of why you are not satisfied with this resolution. Please type details here:] LJ Ross did not send any of the information to me the **** also never sent me any correspondence from them. Still in violation of FCRA as I have not been sent any verification this is mine. I will file a complaint again with **** and will attach their inaccurate response to the complaint as well.
Regards,
*************************Initial Complaint
06/28/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
15 U.S.C **** SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C **** SECTION 604 A SECTION 2: it also states a consumer reporting agency cannot furnish a account without my written instructions.Business response
06/30/2022
The consumer's account has been recalled and closed from our office by the original creditor. LJRA no longer has access to the consumer's account information. Any requests for information must be made to the original creditor directly.Initial Complaint
06/23/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
COMPANY VIOLATED MEDICAL PRIVACY ACT "HIPAA" WITH REPORTING MEDCIAL INFORMATION(2X) MARCH 2022, NOT MY ACCOUNTS AND NEVER HAD ANY MEDICAL SERVICES WITH PROVIDER "AURORA HEALTH", ACCOUNT# ***********($186.00) AND ACCOUNT# ***********($810.00), ...ID FRAUD AFFDAVIT FILEDBusiness response
06/24/2022
*************** Associates, **** (LJRA) has completed a full investigation. LJRA does not respond with any detailed account information via the BBB's portal as the BBB publically posts responses, and the information LJRA has for the consumer is protected information. However, LJRA can verify that we have not committed any HIPAA violations as we are a business associate to the original creditor. LJRA will mail debt validation information directly to the consumer. After review, if the consumer still contends that they are a victim of identity theft, the consumer will mus provide our office with a fraud affidavit from the FTC's website at www.identitytheft.gov, a police report, a copy of their photo identification, and their notarized signature. We are available to the consumer to discuss any questions, concerns, and/or account resolution options Monday through Thursday from 8am to 7:30pm EST and Friday from 8am to 2pm EST. The consumer may call us toll-free at **************.Initial Complaint
05/10/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
I checked my credit report and noticed I had a collection from LJ ROSS that was opened in 03/13/2018 for $0.00 with account number starting in ******** that I do not recall and am not liable for. I never entered into a signed agreement or completed an original contract with them. This is fraudulent and a violation of my rights. This inaccurate collection is not mine. If you believe this account is mine, prove the validity.I would like all collection activity to cease immediately and for this inaccurate and fraudulent collection to be removed from my credit report or I will file for litigation and report you to the **** and FTC.Business response
05/11/2022
*************** Associates, **** (LJRA) does not respond with any account information via the BBB's portal as the BBB publically posts responses, and the information LJRA has for the consumer is protected information. LJRA has placed documents verifying the account information in the mail to be sent to the consumer directly. LJRA welcomes the opportunity to help assist the consumer with any questions or concerns directly, and asks that the consumer call our office at **************. We are available Monday through Friday from 8am to 7:30pm EST.Initial Complaint
04/05/2022
- Complaint Type:
- Sales and Advertising Issues
- Status:
- Answered
Lj Ross and Associates is reporting an erroneous debt on my credit file. I had no idea that this debt was on my credit file until I had my credit pulled and noticed this debt. I called and paid it immediately. I never received any letter, calls, or notices about this debt and that is a violation of my 30 day right to dispute. I need this collection to be removed from my credit file, I do not owe this debt.Business response
04/06/2022
*************** Associates, **** (LJRA) has conducted a full investigation into this complaint and a review of our records shows that we have already received a complaint from this consumer via the ****'s complaint portal in February 2022. At that time, LJRA provided the consumer with all information regarding this dispute. LJRA does not provide information regarding consumer's accounts via the BBB's portal due to the BBB publically publishing responses, which could potentially disclose protected information of the consumer. The consumer can either go back to the **** portal and retrieve our answer to this complaint, or they may contact our office directly. We are happy to provide an explanation directly to the consumer. We are available Monday through Friday from 8am to 7:30pm EST at **************.Initial Complaint
02/28/2022
- Complaint Type:
- Product Issues
- Status:
- Resolved
Date of transaction: Fri. 02/25/2022 Amount of money I paid to business: $500 What the business committed to provide: Receipt/Proof of Payment What the nature of the dispute is: Did not receive receipt/proof of payment within 24 hour commitment. Needed in time for deadline of another dispute. Claims I unsubscribed from an email I never received.Whether or not the business has tried to resolve the problem: ***** has mentioned sending out another email today, Monday, February 28, 2022 at 2:24pm. Should receive within 24 hours.Confirmation #: ************Business response
03/01/2022
LJRA has reviewed the consumer's account and verified that the letter has been requested to be sent via email to the consumer. While emails are normally processed and sent within 24 hours, this timeframe is not guaranteed. LJRA offers letters to be sent via email as a courtesy to the consumer as an alternative to postal mail, however we are not obligated to send an email within any certain timeframe. If the consumer has any further issues or concerns, they should contact our office directly. We are available Monday through Friday from 8am to 7:30pm EST at **************.Customer response
03/01/2022
[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 would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
***************************
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Customer Complaints Summary
47 total complaints in the last 3 years.
15 complaints closed in the last 12 months.