ComplaintsforAbsolute Resolutions Investments

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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.
Initial Complaint
03/11/2024
Complaint Type:
Customer Service 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 ****** do not have a contract with this credit agency trying to collect from me.
Customer response
03/11/2024
Good Morning Im Ms. ********************* ********, I received your response and I wanted to respond back to you concerning your request from me, and I never told you or explained that I sent any documents to the BBB Office, Nor did it ask me for anything online and I Went on there Website yesterday and filled out the request online concerning ****** then hear back from you asking me to send you The Original Validation Letter That I Sent to the Business, and I never said I did have a letter nor Did I send a Letter to anyone. Im not trying to be rude but Im very concerned on why you would request for a document that I never said that I had or sent.
Business response
03/12/2024
This is a *********, **** account originated on 10/5/19. The account charged off on 9/1/20 and was sold to Absolute Resolutions in 6/23. Absolute Resolutions was notified ********************* has legal representation and sent validation of debt to the representative in 9/23 upon request of the representative.
Customer response
03/12/2024
I am rejecting this response because:
I dont have any Documented Agreements, Any Documents with my Signature and Date stating that I agree and received any information with A.R.S. that Im responsible and that I agree to anything pertaining to this Company and Account.

Business response
03/12/2024
Absolute Resolutions was notified ********************* has legal representation and sent validation of debt to the representative in 9/23 upon request of the representative. It is recommended that ********************* contact her legal representative to review and/or discuss the validation of debt documentation.
Initial Complaint
03/07/2024
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 a contract with ABSOLUTE RESOLUTIONS INVESTMENTS , they are not registered with *** DEPARTMENT OF CONSUMER AFFAIRS
Business response
03/07/2024
This is a ****** account originated by ******* on 6/20/21. The account was sold to Absolute Resolutions in 6/23 and was charged off on 1/31/24. Validation of debt will be sent to the address on record.
Customer response
03/07/2024
I am rejecting this response because:

The burden of proof falls under ABSOLUTE RESOLUTIONS INVESTMENTS. I find it concerning that ABSOLUTE RESOLUTIONS INVESTMENTS is not complying with legal requests. I demand this account be removed from my credit report as is my right per FCRA section 623.(a)(i). This is my last request before I file a formal complaint with the **** and the FTC.
Business response
03/11/2024
Validation of debt is being sent. Please allow time for the request to be processed and sent through the mail for review.
Initial Complaint
03/05/2024
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 *** loans at work. I do not have a contact with Absolute Resolutions Inv. They did not provide me with the original copy of the contract as I requested.
Customer response
03/06/2024
I dont documentation as it was a phone call made and i dont that information as to when i called them
Business response
03/06/2024
This is a BMG LoansAtWork, LLC account originated on 11/13/21. The account was charged off on 11/1/22 and sold to Absolute Resolutions in 6/23. Absolute Resolutions has not been contacted by the consumer and has not received a request for debt validation previously. Validation of debt will be sent to the address listed in the complaint.
Initial Complaint
02/29/2024
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 was approved for a credit card, I never received the card in the mail.I contacted the issuer 2yrs ago when I found out this was on my credit. I was told that there is nothing I could do.I keep getting calls from an unknown number a few times a month stating I have to pay for this debt, being rude. I don't appreciate this.
Business response
02/29/2024
This is a ****** account originated by ******* on 8/12/21. The account was charged off on 2/28/22 and sold to Absolute Resolutions in 6/23. Validation of debt will be sent to the address listed in this complaint.
Customer response
02/29/2024
I am rejecting this response because:

This debt needs to bought back and be removed from my credit report. I was approved for the credit card, I never received the credit card in the mail.
Business response
02/29/2024
Purchases and payments were made on the account. Please review the documentation being provided via mail.
Initial Complaint
02/27/2024
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 ABSOLUTE RESOLUTIONS INV, I do not have a contract withAbsolute Resolutions Investments, they did not provide me with the original contract as I requested
Customer response
02/28/2024
I dont have a copy of the letter but I never sing any contact with this company absolute resolutions inv. I sent multiple disputes and I never got anything back from besides them saying I own this account. They never sent me proof of a contract I sing with them in fact this account was own by another company call ******* as service by avant- that also never si g a contract with them
Business response
02/28/2024
This is a ******** I LP account originated by ******* as serviced by Avant, LLC on 4/20/16. The account was charged off 12/23/16 and sold to Absolute Resolutions in 6/18. On 7/10/18 Avant sent to the address listed in this complaint a notification of the sale of the account to *********************************************. On 12/1/23 a debt validation packet was sent to the address listed in this complaint.
Customer response
02/28/2024
I am rejecting this response because:

I never sing a legal contract with Absolute resolutions Inv. If you have my signature of a contract with my name and the name of Absolute resolutions Inv please provide it. Again I never got a loan or sing any legal documents with Absolute resolutions Inv
Business response
02/28/2024
The Chain of Title showing the sale and transfer of the account from the originator to Absolute Resolutions was included (page 4) in the debt validation packet sent.
Initial Complaint
02/21/2024
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 with ********************** and dispute the debt. They have not provided me with a copy of the signed contract between the two of us. I request that this debt be removed from credit report. They have sent false documents to my home in an attempt to secure the debt. They have gone as far as to create fake court documents that were not signed or dated by the county clerk or judge.
Business response
02/21/2024
This is an REI account originated by U.S. ************************* on 9/1/18. The account charged off 4/30/20 and was sold to Absolute Resolutions in 8/23. US Bank sent a letter notifying of the sale on 8/30/23. Absolute Resolutions sent a letter notifying of the purchase on 9/11/23. Validation of debt will be sent to the address listed in this complaint.
Customer response
02/21/2024
I am rejecting this response because:

You never provided me with a contract that I signed with your company confirming the debt. You have directly violated the Fair Debt Collections Practices Act. You have also sent false, fake government documents in an attempt to threaten me to pay a debt that I do not own.

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ComplaintsforAbsolute Resolutions Investments

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