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Business Profile

Debt Buyers

Paradigm Assets LLC

This business is NOT BBB Accredited.

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Complaints

This profile includes complaints for Paradigm Assets LLC's headquarters and its corporate-owned locations. To view all corporate locations, see

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    Customer Complaints Summary

    • 61 total complaints in the last 3 years.
    • 9 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:12/05/2024

      Type:Service or Repair Issues
      Status:
      Unpursuable
      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.
      "JHPDE SPV ii LLC" also operating as Paradigm Assets Recovery &pseudo name JHPDE Finance I, LLC, located at ************************************, unlawfully reported this tradeline on my credit reports PREMATURELY before allowing a proper engagement, dispute or validation process to take place. I asked for:1. Name &Address of the Original Creditor 2.Amount of debt 3.Proof that the collection agency has the right to collect the debt 4.Any judgments obtained 5.Proof that the debt has not passed the statute of limitations are you sharing my private, non-public information? 7. Date of original charge off or delinquency 8.Was this debt assigned to a debt collector or purchased?9.Amount Paid if debt was purchased: Was there Commission for debt if collection efforts are successful? Paradigm Assets/JHPDE SPV ii LLC, disregarded my request of questions listed above&prematurely involved a 3rd party:Law office of ****** &Zaide, a tactic aimed at intimidation rather than compliance Pursuant 1692g. It is unlawful to use unfair, deceptive or harassing methods to collect debts. Furthermore, providing this 3rd party w/my private, non-public personal identifiable info (my name, address, social security) is unlawful Pursuant 1692c(b) which prohibits debt collectors from sharing consumer private, non-public info with 3rd parties like Harris&Zaide, who are not directly involved in collecting the debt. Pursuant 18 USC 1028A this is Aggravated identity theft Paradigm Assets has a history of sending out billing statements, as debt validation but per case law ****** vs *******,(Ind. App. 2001) this is unsatisfactory. Debt collectors are REQUIRED to provide detailed info and a breakdown of the debt per consumer request. Paradigm Assets Recovery is closed and is hiding under the pseudo name: JHPDE SPV ii LLC. I want this tradeline -->JHPDE SPV ii LLC, aka Paradigm Assets to be removed immediately from my Equifax, credit report. Also this debt of $21,644 is NOT listed on my Experian report

    • Initial Complaint

      Date:11/05/2024

      Type:Billing Issues
      Status:
      Unpursuable
      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.
      Paradigm Assets unlawfully reported this tradeline on my credit reports PREMATURELY before allowing a proper engagement, dispute or validation process to take place. I asked for:1. Name &Address of the Original Creditor 2.Amount of debt 3.Proof that the collection agency has the right to collect the debt 4.Any judgments obtained 5.Proof that the debt has not passed the statute of limitations ***** are you sharing my private, non-public information? 7. Date of original charge off or delinquency 8.Was this debt assigned to a debt collector or purchased?9.Amount Paid if debt was purchased:***** there Commission for debt if collection efforts are successful?Paradigm Assets, disregarded my request of questions listed above&prematurely involved a 3rd party:Law office of ****** &Zaide, a tactic aimed at intimidation rather than compliance Pursuant 1692g. Additionally, the ******, aligns w/the ***** &prohibits debt collectors from using unfair, deceptive or harassing methods to collect debts &it restricts information sharing. Furthermore, providing this 3rd party with my private, non-public personal identifiable info (my name, address, social security number without my consent) is unlawful Pursuant 1692c(b) which prohibits debt collectors from sharing consumer private, non-public information with 3rd parties like Harris&Zaide, who are not directly involved in collecting the debt. Pursuant 18 USC 1028A this is Aggravated identity theft Paradigm Assets has a history of sending out billing statements, as debt validation but per case law ****** *. *******,(Ind. App. 2001) this is unsatisfactory. Also, ****** v. ********** Zelmanski, ****************** PLLC, 758 F.3d 777 (6th Cir. 2014), debt collectors are REQUIRED to provide detailed information and a breakdown of the debt per consumer request. Paradigm Assets NEVER honored my ask that I sent them via certified mail within the 30day dispute window. I want this tradeline immediately removed from all my credit reports

    • Initial Complaint

      Date:10/11/2024

      Type:Billing Issues
      Status:
      Unpursuable
      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 debt collector reported that I have a debt on their file. I responded them to provide the details of the transactions, but they declined verifying the details and they ran out of business per BBB. This collection is still unverified with debt collector and remained as collection on my file without any verification. As a result, no details have been verified and it still remains as collection on my credit file.

    • Initial Complaint

      Date:09/03/2024

      Type:Order Issues
      Status:
      Unpursuable
      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 . I do not have a contract with the collections agency JHPDE Finance 1/ Paradigm Assets LLC, they did not provide me with the original contract as I requested.

    • Initial Complaint

      Date:08/02/2024

      Type:Service or Repair Issues
      Status:
      Unpursuable
      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 a debt that is reported on my credit report. I have no contract with this company and was not made part of any sale of my debt to them and signed no contract with them.

    • Initial Complaint

      Date:07/23/2024

      Type:Billing Issues
      Status:
      Unpursuable
      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 been trying to reach out to you all and I havent received a phone call or Email yet. I just want to settle this debt and move on respectfully. Thank you

    • Initial Complaint

      Date:07/06/2024

      Type:Order Issues
      Status:
      Unpursuable
      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'm not liable for this debt ,chapter communications i do not have a contract with jhpde finance LLC ,They did not provide me with the original contract as I requested

    • Initial Complaint

      Date:06/27/2024

      Type:Sales and Advertising Issues
      Status:
      Answered
      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.
      They have not validated this account. They also not respond to phone calls or emails appropriately to resolve issues. I would like to resolve the issue to submit a settlement and correct my credit report. However, the company does not respond despite sending emails from two different email addresses as well as leaving multiple messages. This is not an ethical way to do business. I would like to connect with someone to resolve a debt.

      Business Response

      Date: 06/28/2024

      RE: ********

      JHPDE Finance I, LLC is in receipt of the complaint that you have filed with the Better Business Bureau, Complaint # ********.

      We have investigated your Complaint and reviewed your account, as well as your communications with our *************************** As of the time of this response, we have submitted the appropriate request to the current **************** of your account regarding your want to settle. They should be reaching out to you soon to help assist you in resolving this account.

      Once you have received communication from the servicer, if you have any further questions, please feel free to contact our ************************** at ************.

      Sincerely,

      Compliance Department

       

    • Initial Complaint

      Date:06/21/2024

      Type:Billing Issues
      Status:
      Answered
      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 aware of this tradeline unlawfully reporting on my consumer report. And would like to conduct a further investigation. Please submit all documents that you have submitted to consumer reporting agencies. That you used to create this tradeline on my credit report. I have reason to believe that you unlawfully obtained my personal identification information. Without my prior consent; which, you have used to create this tradeline on my credit report. let me explain, if you have used my Name and any other personal identifiable information such as: a social security card, driver license, or my address. Without a signed agreement between me and your agency. That expresses mutual assent from both parties. Then you are facing some serious penalties under the UNITED STATES CODE. Pursuant 18 USC 1028A Aggravated identity theft. (See United States **********, 737 F.3d 129, 134) "Pursuant to 18 U.S.C. 1028A(a)(1), a person is guilty of aggravated identity theft if, in relation to any crime listed in 1028A(c), he "knowingly . . . uses, without lawful authority, a means of identification of another person." The statute defines the term "means of identification". To mean "any name or number that *** is used alone, or in conjunction with any other information. To identify a specific individual, including any name, social security number, [or] date of birth." Meaning if you used 2 separate forms of identification without my consent. Then you committed aggravated identity theft under 18 USC 1028A. If you delete this tradeline then i will drop my claim.

      Business Response

      Date: 06/27/2024

      RE: ********

      JHPDE Finance I, LLC is in receipt of the complaint that you have filed with the Better Business Bureau, Complaint # ********.

      We have investigated your Complaint and reviewed your account, as well as your previous communications with our *************************** As of the time of this response, we have made the business decision to close this account. Following this response, we will be submitting the appropriate request to the credit bureaus to delete the tradeline associated with this account. 

      If you have any further questions, please feel free to contact our ************************** at ************.

      Sincerely,

      Compliance Department

    • Initial Complaint

      Date:04/18/2024

      Type:Billing Issues
      Status:
      Answered
      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 HEADWAY CAPITAL LLC. I do not have a contract with Paradigm Assets Recovery, they did not provide me with the original contract as I requested.

      Business Response

      Date: 04/24/2024

      RE: ********

      Paradigm Assets Recovery, LLC is in receipt of the complaint that you have filed with the Better Business Bureau, Compliant #********.

       

      We are in receipt of your Complaint. Upon review of your account, our records indicate that the account originated in 2018 with **************** LLC and was personally guaranteed by you. After the account was charged off due to nonpayment, ownership of the account was transferred to Paradigm Assets Recovery, LLC in 2022. Paradigm Assets Recovery, LLC has mailed you a validation of debt packet on several occasions in response to numerous previous disputes from you. That packet contained supporting documentation, including statements provided by **************** LLC as well as the original contract with **************** LLC.

       

      If you have any further questions, please feel free to contact our ************************** at ************.

      Sincerely,

      Compliance Department

    Paradigm Assets LLC is NOT a BBB Accredited Business.

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