ComplaintsforAbsolute Resolutions Investments

Financial Services

View Business profile

Need to file a complaint?

BBB is here to help. We'll guide you through the process.

File a Complaint

Initial Complaint
07/11/2024
Complaint Type:
Order 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 Citibank, N.A. I do not have a contract with ABSOLUTE RESOLUTIONS, they did not provide me with the original contract as I requested.
Customer response
07/12/2024
I am not sure what a validation letter is. I am disputing the debt here and through Experian. I am disputing this debt with Citi Simplicity because I do not have a contract with Absolute Resolutions.
Business response
07/15/2024
This is a Citi Simplicity Card account originated by Citibank, N.A. on 4/7/15. The account charged off on 3/5/20 and was sold to Absolute Resolutions in 5/20. Validation of debt will be sent to the address listed in this complaint.
Customer response
07/23/2024
I am rejecting this response because: I received a packet in the mail yesterday with my contract with Citibank. The only thing it provided was my total and interest. My contract was with Citibank, not Absolute Resolutions. Again, I do not have a contract with Absolute Resolutions. My desired resolution is a correction to my credit report and that the account be removed.

Business response
07/24/2024
The 66-page validation packet that was sent contains a letter from Citi that was sent 6/1/20 notifying *************************************** of the sale of the account to *********************************************. The packet also contains the Bill of Sale and Assignment. Several billing statements, a copy of the judgment, and the card agreement are also included in the packet sent.
Customer response
07/26/2024
I am rejecting this response because: I did not sign a contract with Absolute Resolutions. I do not have a contract with Absolute Resolutions. My contract was with Citibank. Please make the correction to my credit report and remove this account. Thank you.
Initial Complaint
06/28/2024
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 writing urgently to address errors on my credit report caused by the disclosure of my personal information to credit bureaus, resulting in significant financial and emotional distress.Under 15 USC 1681 Section 602, I have the right to financial privacy and expect my information to remain confidential.Additionally, per 15 USC 1681 Section 604(a)(2), a consumer reporting agency cannot share account details without my explicit consent, which I have not given.The discrepancies related to ABSOLUTE RESOLUTIONS I have negatively impacted my financial situation and need immediate correction.Moreover, compliance with 15 USC 1666(b) is crucial, as it prohibits creditors from treating credit card payments as late under certain conditions.For your reference, here are my account details:Account Number: ****************I request a thorough review of my account, prompt correction of the credit report inaccuracies, and strict adherence to federal laws governing my information.Failure to address these concerns promptly may result in legal action. I appreciate your immediate attention to this matter.Sincerely,********************
Business response
06/28/2024
This is an Avant II, LLC account originated by WebBank on 10/30/17. The account charged off on 6/1/18 and was sold to Absolute Resolutions in 9/18. ******************** electronically signed the Loan Agreement and Promissory Note, which permits Absolute Resolutions to report this account to the *************************. The information being reported to the ************************* regarding this account is accurate. A copy of the signed Loan Agreement and Promissory Note was sent to ******************** at the address listed in this complaint as requested in 10/20.
Initial Complaint
06/28/2024
Complaint Type:
Sales and Advertising 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.
On April 5, 2024, Absolute Resolutions Inv., which is a debt collector, received my dispute letter in which I requested verification of a debt associated with account number ***********. Before I discovered this account on my credit report, I had no prior knowledge of its existence. I cannot recall having any financial obligation to them, and I am skeptical about their legal authority to collect from me.Furthermore, under the Texas Finance Code, they were required to respond to my verification request within 30 days. There is no evidence that they complied with this requirement. Therefore, I respectfully request the removal of this disputed and unverified account from my credit report.
Business response
06/28/2024
This is a BMG LoansAtWork, LLC account originated 10/9/21. The account charged off 9/30/23 and was sold to Absolute Resolutions in 11/23. The request for validation was received in 4/24. Validation of debt was sent to ******************************* at the address listed in this complaint on 4/8/24.

Customer response
07/02/2024
I am rejecting this response because:

First of all, there is no evidence supporting the debt collector's claim to have replied to my request for verification within the specified 30-days under the Texas Finance Code. In addition, the debt collector has already violated my rights as a consumer. I have already suffered damages due to their willful negligence. I am making every effort to resolve this matter without retaining an attorney to present this case before a jury. And recover any damages.
Business response
07/03/2024
A copy of the debt validation letter and packet that was sent on 4/8/24 was retained and will be resent.
Customer response
07/04/2024
I am rejecting this response because:
First of all, there is no evidence that any response to my request for verification was sent. Secondly, any documentation or information provided at this point is too little to late. The debt collector has already violated my rights under the Texas Finance Code. At this point, I am respectfully requesting the removal of the invalidated item from my credit. I am making every effort to resolve this matter without presenting my case before a court room jury.
Initial Complaint
06/27/2024
Complaint Type:
Order 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 US Bank N A DBA Elan Finance, I do not have a contract with Absolute Resolutions Investment, they did not provide me with the original contract as I requested.
Business response
06/27/2024
This is a St. *************** CU account originated by U.S. Bank N.A. DBA ************** Services on 9/1/15. The account charged off on 9/28/18 and was sold to Absolute Resolutions in 6/22. This is the first request for validation Absolute Resolutions has received. Validation of debt will be sent to the address listed in this complaint.
Initial Complaint
06/12/2024
Complaint Type:
Order 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 Webbank. I do not have a contract with ABSOLUTE RESOLUTIONS Investments they did not provide me with the original contract as I requested.
Business response
06/17/2024
This is a Theorem Grantor Trust personal loan originated by WebBank on 6/22/22. The account charged off on 4/21/23 and was sold to Absolute Resolutions in 5/23. This is the first request for validation Absolute Resolutions has received. Validation of debt will be sent to the address listed in this complaint.
Initial Complaint
06/11/2024
Complaint Type:
Order 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 Absolute Resolutions Investments. I do not have contract with Absolute Resolutions Investments, they did not provide me with the original contract as I requested.
Customer response
06/11/2024
Absolute Resolutions Investments never sent me correspondence relating to this business matter. I have no contract and have never done business with Absolute Resolutions Investments.
Business response
06/17/2024
This is a First ************* of ***** account originated on 4/20/17. The account was charged off on 12/31/18 and sold to Absolute Resolutions in 1/19. Validation of debt was sent to the consumer 9/9/21. Another validation of debt packet will be sent to the address listed in this complaint.
Initial Complaint
05/29/2024
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.
This complaint is against Absolute Resolutions Investments, LLC, which is not the original creditor of this account and will not verify the debt. Absolute is fraudently reporting incorrect information on my credit report. The date this account is reporting opened is incorrect, the balance should be zero dollars. This account is too old to still be reporting and too old to be collected on. Absolute Resolutions has taken me to court, settlement was paid. However, I missed a payment of 400 dollars, offered to pay and absolute resolutions refused and closed the case, supposedly. Instead, AR keeps insisting that I owe 1843, which would be the full amount of the account, which was not stated by the judge. I owe nothing, am paying nothing more, but my credit report needs to report the correct information. This account was not opened in 2018, because absolute resolutions is NOT the original creditor. I refuse to allow this company to keep revolving this OLD information and I am requesting that it be deleted from my credit reports because I'm going to keep smearing Absolute Resolutions reputation, as you're doing mine.
Business response
05/30/2024
This is a First ************* of ***** account originated 2/16/17. The account charged off on 12/5/18 and was sold to Absolute Resolutions in 9/20. A judgment was granted in the amount of $3736.66, minus payments that had been made of $400, plus costs totaling $106.50. Absolute Resolutions agreed to forbear enforcement and collection of the total judgment amount as long as a settlement amount of $2400 was paid in $100 monthly payments. Account balances are not adjusted based on settlement agreements. ********************* signed the Consent Judgment. The total of $2000 in payments has been received so far. Once the remaining $400 is paid, the account will be considered settled in full and an update will be sent to the ************************* to reflect such. A copy of the signed Consent Judgment that states the total judgment amount granted as well as the agreed upon settlement of $2400 was sent to Yutongia ****** on 4/24/23. A review of the tradeline reflects it is reporting accurately to the ************************* to reflect a current total balance of $1843.16 and an open date of 9/20. It is requested that ********************* provide a copy of any inaccuracies shown on the credit report to ************************************************* so further investigation can be conducted.
Customer response
06/03/2024
I am rejecting this response because:
In response to absolute resolutions and the case of 400 dollars, let me explain. First of all, absolute resolutions is lying. I called them and we had a discussion over the phone as to why this account was still on my credit report as owing 1843. After discussion, I realized I was wrong and I did owe an additional 400 dollars. So, I called absolute resolutions back and said, I am willing to pay the 400 dollars to settle this account. A representative at absolute resolutions stated, this account has been closed and we can not accept the 400 dollars. The reason absolute resolutions stated that is because they thought I was dumb enough to pay an additional 1843. Secondly, this account is too old to be collected on and I'm not paying. Also, their phone calls are recorded, so if I have to get an attorney to subpoena their phone records, I will. Absolute Resolutions never offered to accept 400 dollars because we would not be here today. I made that phone call during the beginning of this year because I'm cleaning up my credit report.

Business response
06/03/2024
********************* contacted Absolute Resolutions on two occasions. The call recordings were reviewed. Absolute Resolutions did not state that the account was closed and the remaining $400 was not due. ********************* stated in both calls the refusal to pay the remaining $400.
Initial Complaint
05/28/2024
Complaint Type:
Service or Repair 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 do not have an account/contract with ********************** nor do I owe them the said amount. They are showing on my credit report and I would like them removed from credit report immediately.
Business response
05/28/2024
This is a Prosper installment loan originated by WebBank on 5/26/21. The account was charged off 8/24/22 and sold to Absolute Resolutions in 9/22. A review of the tradeline being reported to the ************************* was conducted and verified as being accurate.
Initial Complaint
05/14/2024
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.
Dear madam or sir the above entity is in clear violation of the ***** and FCRA. Since I noticed a negative trade line by this company in my credit reports I attempted to get proper, legal and accurate validation based upon Federal and State laws. Unknown ACCOUNT NUMBER The followings are the violations of both State and Federal laws in their attempt to validate however they failed to do it properly. **** LLC failed to send a notice 5 days after acquiring this alleged account per *****.**** LLC failed to send a notice per ***** that gives consumers 30 days dispute the validity of any claim.**** LLC failed to send a notice regarding report of negative item to my credit reports prior to reporting it.In addition to the above violations this entity is conducting business in ** illegally without signing with State DFPI and probably in violation of Californias Fair Debt Buying Practices Act. This entity received a request for validation and documents but failed to comply with consumer protection laws.
Business response
05/14/2024
Absolute Resolutions requires more information to investigate this matter. Please provide a screenshot of the tradeline being reported or the account number listed in the tradeline. Please respond to the BBB or email Absolute Resolutions directly at *************************************************. Once more information is received, a full investigation will be conducted.
Business response
05/14/2024
We cannot locate an account with the information provided and need more information, such as the account number that is reporting on the tradeline the consumer is referencing.
Customer response
05/15/2024
Thank you so much for your prompt response. In response to your demand I must say that If I want to run my credit reports again in order to get a copy of trade line it will cost me money and it may effect my score negativly as it will be considered another Hard inquiery. As to the issue of emailing to Absolute Resolutions I must say that I do not want to reveal my most private information (i.e. Email) to some fardulent companies that are making money by breaking the laws. As I said in my complaint I did not see any account number nor I have ever had any letter from these people and never had any contract with them. Please let me know if this response is sufficient to process my compliant otherwise I will see what are the possibilities to fulfil your demand.
Again thank you so much for your help in this matter.

Best Regards,

*************************,

Business response
05/15/2024
This is a ******************** Card originated by Citibank, N.A. on 3/2/14. The account was charged off on 2/24/20 and sold to Absolute Resolutions in 6/20. The account was placed with ARIs third party servicer, Gurstel Law Firm, on 10/8/20. Gurstel Law Firm sent two demand letters to the consumer on 10/15/20 and 11/16/20, both of which were returned by mail. Gurstel Law Firm sent a third demand letter on 12/4/20 which was not returned by mail. The demand letter disclosed the consumers right to dispute and the mini-Miranda. Gurstel Law Firm sent notification of the account being reported to the credit reporting agencies to the consumer on 12/8/20. Debt validation was sent to the consumer on 12/31/20 to include last payment statement, ten billing statements,**** of Sale, Affidavit of Sale, and account details such as open date and charged off date. Based on this detail,it is determined that all applicable laws were complied with.

Customer response
05/15/2024
I am rejecting this response because:
Thank you so much for your assistance in this matter. Total lie and I have received none of the documents that they claim that they sent to me. How is this possible??? *** allegedly claims that whatever they sent to me was returned to them and then I received their documents????!!!!! This company is a law breaker and I will continue my activities and even escalate to higher authorities. Apparently they are not inline with logic and the laws unlike whatever they claim. They have taken everything for granted and apparently have been dealing with uninformed victims of their activities. I am not uninformed and I am after them to make them learn how to comply with the Laws of The Land.
Again Thank you so much for your assistance and I guess from this point on you'll be out of this issue. I will appeal to State and Federal Authorities.
Best Regards

Business response
05/15/2024
In May 2021 the consumer filed a similar BBB complaint and acknowledged receipt of the validation of debt packet but claimed it to be invalid. All documentation required by law was sent to the consumer. Absolute Resolutions has complied with the ****** FCRA, and all other applicable laws regarding this account.
Initial Complaint
03/11/2024
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.
YOU ARE REPORTING INACCURATE AND UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. I ask for a full discloser of this debt and i did not receive my sign signature, original document or any information about this debt. By law after 30 days this account is not mine. Cease and desist all reporting of this account asap. Delete ******************************************* I # ****V9xx Stop calling me and harassing me about this debt. I TOLD TO STOP CALLING ME AFTER 9PM AND YOU CONTINUE TO CALL ME. You are breaking the law and violating my rights as a citizen.Delete this account asap. You are reporting a debt that has not been verified and needs to be deleted asap.
Business response
03/11/2024
This is a Best ******** account originated by Citibank, N.A. on 12/14/16. The account was active with payments being made through 1/8/19. The account was charged off on 5/9/19 and sold to Absolute Resolutions in 9/19. Validation of debt will be sent to the address listed in this complaint. The information Absolute Resolutions is reporting to the ************************* regarding this account is accurate. ********************************************* will honor the request to cease calls.

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. ↩

BBB Business Profiles may not be reproduced for sales or promotional purposes.

BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

BBB Business Profiles generally cover a three-year reporting period. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.

As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.

Cookies on BBB.org

ComplaintsforAbsolute Resolutions Investments

Need to file a complaint?

Complaint Details

Showing all complaints

Customer response

Business response

Customer response

Business response

Customer response

Business response

Business response

Customer response

Business response

Customer response

Business response

Business response

Customer response

Business response

Business response

Customer response

Business response

Business response

Business response

Business response

Customer response

Business response

Customer response

Business response

Business response

BBB Rating & Accreditation

Contact Information

Customer Complaints Summary