Complaints

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.

• Initial Complaint

  Date:01/30/2025

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  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.

  On Friday, January 17, 2025, I received a statement in the mail from FirstPoint Collection Resources, Inc. with Reference ********* that I owe a total of $137.68 for two accounts ****************** and 95167-15000625222) for service on January 31, *************************************** the amount of $68.84 and a service on March 7, *************************************** the amount of $68.84. On Monday, January 27, 2025, I told ******* ******, of FirstPoint Collection Resources, Inc., that I want to file a complaint and a dispute to get a refund of my payment of $137.68, and I was told I need to contact FirstHealth of the Carolinas to get documentation and email it to FirstPoint Collection Resources, Inc. at *********************************************************************** Confirmation Number ************ was given to me by FirstPoint for my payment. FirstHealth of the Carolinas will not provide me any documentation nor will Mosaic Finance Solutions, **** which I paid in full on Saturday, December 28, 2024. I have contacted each of these companies numerous times and am continuously getting the run around from all three of these companies. Please help me to resolve this matter and get documentation for my records that I do not owe either one of these companies because I do not owe them. Thank you for your time and attention, and I look forward to hearing from you soon.

  Customer Answer

  Date: 02/03/2025

  Good Evening *. ****,

   

  I request that you please reopen my case for FirstPoint Collection Resources, Inc.  It does not allow enough characters for my explanation on the BBB form online.  Therefore, I am emailing you a detailed explanation with documentation included:

   

  On Friday, January 17, 2025, I received a statement in the mail from FirstPoint Collection Resources, Inc. with Reference ********* that I owe a total of $137.68 for two accounts ****************** and 95167-15000625222) for service on January 31, *************************************** the amount of $68.84 and a service on March 7, *************************************** the amount of $68.84.

   

  On Friday, January 17, 2025, I called FirstPoint Collection Resources, Inc. (contact numbers = ************** and **************) and spoke with a ******* ****** who told me that FirstHealth of the Carolinas sent these two accounts to them in collections, and I owe a balance of $137.68.  I paid ******* ****** $137.68 over the phone on Friday, January 17, 2025, and she provided me confirmation number ************ as well as said that I will receive an emailed receipt to my email of ************************************************************************************** in up to 5 business days.  I have checked my card online, and FirstPoint Collection Resources, Inc. has charged me $137.68.  Also, ******* ****** told me to contact FirstHealth of the Carolinas about researching these accounts and send documentation to **********************************************************************************************************************************************************************************.

   

  On Friday, January 17, 2025, I called Mosaic Finance Solutions, **** (contact numbers = **************, ************** and **************) and left a message asking them to research account numbers ***************** and *****************.  A Representative *******, of Mosaic Finance Solutions, ****, called me back on Friday, January 17, 2025 and told me that account number ***************** shows paid but she would have to research account number ***************** and call me back.  Representative ******* also verified my contact information (cell phone number of ************** and email address of ******************************************************************************************) and told me that she would consult with her supervisor and get back to me and email me documentation about both accounts so that I can forward the documentation to FirstPoint Collection Resources, Inc. for a full refund of my $137.68.

   

  I have two separate and active email accounts, which are ************************************************************************************** that is listed on file with FirstPoint Collection Resources, Inc. and ****************************************************************************************** that is listed on file with Mosaic Finance Solutions, ****, and both of these email accounts are working/active, and I check them on a regular basis.

   

  On Saturday, December 28, 2024, I paid Mosaic Finance Solutions, **** in full and have a receipt indicating my final payment, and it is a follows:

   

   

   

  Your payment was processed successfully! Thank you for your payment!

   

  Patient Name ******* D **** Consumer Number 151546 Account Number 309369 308939 Confirmation Number 115787383 Authorization Code 091939 Amount $243.39 Transaction Date 12/28/2024 11:25 Payment Method Visa ***0860

   

   

   

   

  I understand and Agree to the terms of this Payment Terms Agreement, and authorize Mosaic Finance Solutions process a one-time payment to the account I provided in the amount of $243.39 using the card or bank account provided on 12/28/2024 11:25. and if necessary, I agree that electronic credits may be made to my account to correct erroneous debits. I agree to this payment in accordance with the issuing bank card holder agreement. I understand that my payment will be processed within 1-2 banking days. I can call ************ during 8am - 5pm EST with any questions. I understand that this authorization will remain in full force and effect until I notify, Mosaic Finance Solutions in writing that I wish to revoke this authorization. I understand that Mosaic Finance Solutions requires at least 3 business days prior notice to cancel this authorization. Payments made after 7:00 P.M. eastern time will be applied as of the next business day. Once an immediate payment is authorized, there cannot be any changes or corrections. It is recommended that you print a copy of this authorization and maintain it for your records.

   

  PO Box 26152 ******************* Office Hours: 8am to 5pm Monday to Friday EST Phone: ************

   

  On Friday, January 17, 2025, I called FirstHealth of the Carolinas (contact number = **************) and spoke with a Representative ***** who told me that neither account number ***************** or ***************** were sent to Mosaic Finance Solutions, ****, and I need to contact Mosaic Finance Solutions, **** to research these accounts, and when I receive information from Mosaic Finance Solutions, ****; then, I need to email it to **************************************************************************************************** in order for FirstHealth to research what happened with these accounts.

   

  On Friday, January 24, 2025, I called FirstHealth of the Carolinas (contact number = **************) again and spoke with a Representative ***** who told me the following after consulting with her supervisor:

   

  -After accounts are 120 days old, they are sent to FirstPoint Collection Resources, Inc.

  -Payments from FirstPoint Collection Resources, Inc. are received by FirstHealth of the Carolinas once a month/take a month for FirstHealth of the Carolinas to receive.

  -Mosaic Finance Solutions, **** and FirstPoint Collection Resources, Inc. communicate.

  -Both accounts ****************** and 95167-15000625222) from what ***** could gather from the notes on my account with FirstHealth of the Carolinas were sent to Mosaic Finance Solutions, ****

  -If the amount sent to FirstPoint Collection Resources, Inc. is under $500, it will not be reported as bad credit.

  -FirstHealth of the Carolinas is only showing an $18.00 overpayment on my account.

  -From what ***** can tell on my FirstHealth of the Carolinas account, I am not showing anything else that needs to be paid.

  -Contact Mosaic Finance Solutions, **** to research both accounts ****************** and 95167-15000625222).

  -Call FirstHealth of the Carolinas back in a month, in February 2025, when they receive payments from FirstPoint Collection Resources, Inc.

   

  On Friday, January 24, 2025, I called FirstPoint Collection Resources, Inc. and spoke to a Representative with a male voice to ask why I had not received a receipt for my payment of $137.68 on Friday, January 17, 2025, and I was told that he would expedite my receipt (he verified my contact information again which was showing correct in their system), and he told me that he was showing only an $18.00 overpayment.

   

  On Friday, January 24, 2025, I called Mosaic Finance Solutions, **** and left yet another message.

   

  On Monday, January 27, 2025, I called FirstPoint Collection Resources again and spoke with ******* ****** again and asked her for a receipt for the $137.68 that I paid on Friday, January 17, 2025, and she verified my email again and told me that my receipt for my payment did not go through, and she emailed it to me again (and told me that I will receive the receipt in 48 to 72 hours).  I told ******* ****** that I want to file a complaint and a dispute to get a refund of my $137.68.  ******* ****** told me that she cannot give me a refund without having documentation from FirstHealth of the Carolinas, if she gives me a refund that will place me back into collections, and I need to contact FirstHealth of the Carolinas to get documentation and email it to FirstPoint Collection Resources, Inc. at **********************************************************************************************************************************************************************************.

   

  On Thursday, January 30, 2025, I finally received the following receipt from FirstPoint Collection Resources, Inc. for my payment of $137.68 on Friday, January 17, 2025:

   

  from:********************************************************************************************************************************************************

  to:**************************************************************************************
  date:Jan 30, 2025, 4:00 PM

  subject:Payment Receipt

  mailed-by:**********************************************

  signed-by:**********************************************

  security: Standard encryption (TLS) Learn more

   

  Payment Receipt

  ---

  FirstPoint Collection Resources ****
  ******************
  PO Box 26140
  ********************-6140
  ************** | **************

  Date:01/17/2025

  Amount:$137.68

  Received From:	******* D ****
  	PO BOX 546
  	ROCKINGHAM NC, 283800546

  Accounts Credited

  Account Number	Client Name	Client Account	Amount Credited	Balance
  52377156	FirstHealth of the Carolinas	95167-15000613457	$68.84	-$18.00
  52377161	FirstHealth of the Carolinas	95167-15000625222	$68.84	$0.00

  Thank you for your Payment!

   

  MAKE ONLINE PAYMENTS BY VISITING ********************************* with the Payment Portal ID: *********

  ---

  ********************************************** #*********
  "THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THIS
  COMMUNICATION IS FROM A DEBT COLLECTOR." FIRSTPOINT COLLECTION RESOURCES, INC

   

   

  On Wednesday, January 29, 2025, I called FirstHealth of the Carolinas again, and I spoke with a ***** who told me the following:

   

  -FirstHealth of the Carolinas shows that I do not owe anything from 2023.

  -The two accounts ****************** and 95167-15000625222) are both x-rays from Charlotte **********

  -To Patti's understanding, Mosaic Finance Solutions, **** and FirstPoint Collection Resources, Inc. are in the same building.

  -***** said that payments for March 2024, June 2024, November 2024 and December 2024 still have not been received at *********** of the Carolinas from Mosaic Finance Solutions, ****

  -***** suggested that I get copies of checks from my bank as documentation that I made all payments and told me to contact Mosaic Finance Solutions, **** and ask them to research the accounts.

   

  On Wednesday, January 29, 2025, I emailed FirstPoint Collection Resources, Inc. at ********************************************************************************************************************************************************************************** and Mosaic Finance Solutions, **** at **************************************************************************************************************************.

   

  Only after I emailed Mosaic Finance Solutions, **** customer service, on Thursday, January 30, 2025, Representative ******* of Mosaic Finance Solutions, **** called me back and told me that the two accounts ****************** and 95167-15000625222) are housed in the main business office at FirstHealth of the Carolinas and to call **************.  And, Representative ******* rudely and nastily said, "Who better for you to call than them because we do not have it here!"

   

  On Thursday, January 30, 2025, I called FirstHealth of the Carolinas at ************** yet again, and I spoke to a Representative ***** who verified my cell and home numbers, wrote down the confirmation number that I was given by ******* ****** of FirstPoint Collection Resources, Inc. where I paid $137.68 and said that she was going to forward the information to her supervisor ***** to research and ***** will give me a call back.  ***** said that I do not owe FirstHealth of the Carolinas anymore payments other than what needs to be researched.

   

  I pay my bills on time, and I have never missed a payment with Mosaic Finance Solutions, ****  

   

  At this point, I am completely, totally and utterly exhausted from receiving the run around about this matter.

   

  Will someone please determine what has happened?

   

  Will someone please get me a full refund from FirstPoint Collection Resources, Inc.?

   

  Will someone please get me documentation for my records from FirstHealth of the Carolinas, Mosaic Finance Solutions, **** and FirstPoint Collection Resources, Inc. showing that I do not owe any of them any money?

   

  Please, Please, Please help me to resolve this matter.

   

  Thank you very much for your time and attention to this matter, and I look forward to hearing from you soon.

   

  Thank you very much,

  ******* ****

   

  On Wednesday, January 29, 2025, I called FirstHealth of the Carolinas again, and I spoke with a ***** who told me the following:

   

  -FirstHealth of the Carolinas shows that I do not owe anything from 2023.

  -The two accounts ****************** and 95167-15000625222) are both x-rays from Charlotte **********

  -To Patti's understanding, Mosaic Finance Solutions, **** and FirstPoint Collection Resources, Inc. are in the same building.

  -***** said that payments for March 2024, June 2024, November 2024 and December 2024 still have not been received at *********** of the Carolinas from Mosaic Finance Solutions, ****

  -***** suggested that I get copies of checks from my bank as documentation that I made all payments and told me to contact Mosaic Finance Solutions, **** and ask them to research the accounts.

   

  On Wednesday, January 29, 2025, I emailed FirstPoint Collection Resources, Inc. at ********************************************************************************************************************************************************************************** and Mosaic Finance Solutions, **** at **************************************************************************************************************************.

   

  Only after I emailed Mosaic Finance Solutions, **** customer service, on Thursday, January 30, 2025, Representative ******* of Mosaic Finance Solutions, **** called me back and told me that the two accounts ****************** and 95167-15000625222) are housed in the main business office at FirstHealth of the Carolinas and to call **************.  And, Representative ******* rudely and nastily said, "Who better for you to call than them because we do not have it here!"

   

  On Thursday, January 30, 2025, I called FirstHealth of the Carolinas at ************** yet again, and I spoke to a Representative ***** who verified my cell and home numbers, wrote down the confirmation number that I was given by ******* ****** of FirstPoint Collection Resources, Inc. where I paid $137.68 and said that she was going to forward the information to her supervisor ***** to research and ***** will give me a call back.  ***** said that I do not owe FirstHealth of the Carolinas anymore payments other than what needs to be researched.

   

  I pay my bills on time, and I have never missed a payment with Mosaic Finance Solutions, ****  

   

  At this point, I am completely, totally and utterly exhausted from receiving the run around about this matter.

   

  Will someone please determine what has happened?

   

  Will someone please get me a full refund from FirstPoint Collection Resources, Inc.?

   

  Will someone please get me documentation for my records from FirstHealth of the Carolinas, Mosaic Finance Solutions, **** and FirstPoint Collection Resources, Inc. showing that I do not owe any of them any money?

   

  Please, Please, Please help me to resolve this matter.

   

  Thank you very much for your time and attention to this matter, and I look forward to hearing from you soon.

   

  Thank you very much,

  ******* ****

   

  Good Evening *. ****,

   

  I request that you please reopen my case for FirstPoint Collection Resources, Inc.  It does not allow enough characters for my explanation on the BBB form online.  Therefore, I am emailing you a detailed explanation with documentation included:

   

  On Friday, January 17, 2025, I received a statement in the mail from FirstPoint Collection Resources, Inc. with Reference ********* that I owe a total of $137.68 for two accounts ****************** and 95167-15000625222) for service on January 31, *************************************** the amount of $68.84 and a service on March 7, *************************************** the amount of $68.84.

   

  On Friday, January 17, 2025, I called FirstPoint Collection Resources, Inc. (contact numbers = ************** and **************) and spoke with a ******* ****** who told me that FirstHealth of the Carolinas sent these two accounts to them in collections, and I owe a balance of $137.68.  I paid ******* ****** $137.68 over the phone on Friday, January 17, 2025, and she provided me confirmation number ************ as well as said that I will receive an emailed receipt to my email of ************************************************************************************** in up to 5 business days.  I have checked my card online, and FirstPoint Collection Resources, Inc. has charged me $137.68.  Also, ******* ****** told me to contact FirstHealth of the Carolinas about researching these accounts and send documentation to **********************************************************************************************************************************************************************************.

   

  On Friday, January 17, 2025, I called Mosaic Finance Solutions, **** (contact numbers = **************, ************** and **************) and left a message asking them to research account numbers ***************** and *****************.  A Representative *******, of Mosaic Finance Solutions, ****, called me back on Friday, January 17, 2025 and told me that account number ***************** shows paid but she would have to research account number ***************** and call me back.  Representative ******* also verified my contact information (cell phone number of ************** and email address of ******************************************************************************************) and told me that she would consult with her supervisor and get back to me and email me documentation about both accounts so that I can forward the documentation to FirstPoint Collection Resources, Inc. for a full refund of my $137.68.

   

  I have two separate and active email accounts, which are ************************************************************************************** that is listed on file with FirstPoint Collection Resources, Inc. and ****************************************************************************************** that is listed on file with Mosaic Finance Solutions, ****, and both of these email accounts are working/active, and I check them on a regular basis.

   

  On Saturday, December 28, 2024, I paid Mosaic Finance Solutions, **** in full and have a receipt indicating my final payment, and it is a follows:

   

   

   

  Your payment was processed successfully! Thank you for your payment!

   

  Patient Name ******* D **** Consumer Number 151546 Account Number 309369 308939 Confirmation Number 115787383 Authorization Code 091939 Amount $243.39 Transaction Date 12/28/2024 11:25 Payment Method Visa ***0860

   

   

   

   

  I understand and Agree to the terms of this Payment Terms Agreement, and authorize Mosaic Finance Solutions process a one-time payment to the account I provided in the amount of $243.39 using the card or bank account provided on 12/28/2024 11:25. and if necessary, I agree that electronic credits may be made to my account to correct erroneous debits. I agree to this payment in accordance with the issuing bank card holder agreement. I understand that my payment will be processed within 1-2 banking days. I can call ************ during 8am - 5pm EST with any questions. I understand that this authorization will remain in full force and effect until I notify, Mosaic Finance Solutions in writing that I wish to revoke this authorization. I understand that Mosaic Finance Solutions requires at least 3 business days prior notice to cancel this authorization. Payments made after 7:00 P.M. eastern time will be applied as of the next business day. Once an immediate payment is authorized, there cannot be any changes or corrections. It is recommended that you print a copy of this authorization and maintain it for your records.

   

  PO Box 26152 ******************* Office Hours: 8am to 5pm Monday to Friday EST Phone: ************

   

  On Friday, January 17, 2025, I called FirstHealth of the Carolinas (contact number = **************) and spoke with a Representative ***** who told me that neither account number ***************** or ***************** were sent to Mosaic Finance Solutions, ****, and I need to contact Mosaic Finance Solutions, **** to research these accounts, and when I receive information from Mosaic Finance Solutions, ****; then, I need to email it to **************************************************************************************************** in order for FirstHealth to research what happened with these accounts.

   

  On Friday, January 24, 2025, I called FirstHealth of the Carolinas (contact number = **************) again and spoke with a Representative ***** who told me the following after consulting with her supervisor:

   

  -After accounts are 120 days old, they are sent to FirstPoint Collection Resources, Inc.

  -Payments from FirstPoint Collection Resources, Inc. are received by FirstHealth of the Carolinas once a month/take a month for FirstHealth of the Carolinas to receive.

  -Mosaic Finance Solutions, **** and FirstPoint Collection Resources, Inc. communicate.

  -Both accounts ****************** and 95167-15000625222) from what ***** could gather from the notes on my account with FirstHealth of the Carolinas were sent to Mosaic Finance Solutions, ****

  -If the amount sent to FirstPoint Collection Resources, Inc. is under $500, it will not be reported as bad credit.

  -FirstHealth of the Carolinas is only showing an $18.00 overpayment on my account.

  -From what ***** can tell on my FirstHealth of the Carolinas account, I am not showing anything else that needs to be paid.

  -Contact Mosaic Finance Solutions, **** to research both accounts ****************** and 95167-15000625222).

  -Call FirstHealth of the Carolinas back in a month, in February 2025, when they receive payments from FirstPoint Collection Resources, Inc.

   

  On Friday, January 24, 2025, I called FirstPoint Collection Resources, Inc. and spoke to a Representative with a male voice to ask why I had not received a receipt for my payment of $137.68 on Friday, January 17, 2025, and I was told that he would expedite my receipt (he verified my contact information again which was showing correct in their system), and he told me that he was showing only an $18.00 overpayment.

   

  On Friday, January 24, 2025, I called Mosaic Finance Solutions, **** and left yet another message.

   

  On Monday, January 27, 2025, I called FirstPoint Collection Resources again and spoke with ******* ****** again and asked her for a receipt for the $137.68 that I paid on Friday, January 17, 2025, and she verified my email again and told me that my receipt for my payment did not go through, and she emailed it to me again (and told me that I will receive the receipt in 48 to 72 hours).  I told ******* ****** that I want to file a complaint and a dispute to get a refund of my $137.68.  ******* ****** told me that she cannot give me a refund without having documentation from FirstHealth of the Carolinas, if she gives me a refund that will place me back into collections, and I need to contact FirstHealth of the Carolinas to get documentation and email it to FirstPoint Collection Resources, Inc. at **********************************************************************************************************************************************************************************.

   

  On Thursday, January 30, 2025, I finally received the following receipt from FirstPoint Collection Resources, Inc. for my payment of $137.68 on Friday, January 17, 2025:

   

  from:********************************************************************************************************************************************************

  to:**************************************************************************************
  date:Jan 30, 2025, 4:00 PM

  subject:Payment Receipt

  mailed-by:**********************************************

  signed-by:**********************************************

  security: Standard encryption (TLS) Learn more

   

  Payment Receipt

  ---

  FirstPoint Collection Resources ****
  ******************
  PO Box 26140
  ********************-6140
  ************** | **************

  Date:01/17/2025

  Amount:$137.68

  Received From:	******* D ****
  	PO BOX 546
  	ROCKINGHAM NC, 283800546

  Accounts Credited

  Account Number	Client Name	Client Account	Amount Credited	Balance
  52377156	FirstHealth of the Carolinas	95167-15000613457	$68.84	-$18.00
  52377161	FirstHealth of the Carolinas	95167-15000625222	$68.84	$0.00

  Thank you for your Payment!

   

  MAKE ONLINE PAYMENTS BY VISITING ********************************* with the Payment Portal ID: *********

  ---

  ************************************** Company #*********
  "THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THIS
  COMMUNICATION IS FROM A DEBT COLLECTOR." FIRSTPOINT COLLECTION RESOURCES, INC

   

   

  On Wednesday, January 29, 2025, I called FirstHealth of the Carolinas again, and I spoke with a ***** who told me the following:

   

  -FirstHealth of the Carolinas shows that I do not owe anything from 2023.

  -The two accounts ****************** and 95167-15000625222) are both x-rays from Charlotte **********

  -To Patti's understanding, Mosaic Finance Solutions, **** and FirstPoint Collection Resources, Inc. are in the same building.

  -***** said that payments for March 2024, June 2024, November 2024 and December 2024 still have not been received at *********** of the Carolinas from Mosaic Finance Solutions, ****

  -***** suggested that I get copies of checks from my bank as documentation that I made all payments and told me to contact Mosaic Finance Solutions, **** and ask them to research the accounts.

   

  On Wednesday, January 29, 2025, I emailed FirstPoint Collection Resources, Inc. at ********************************************************************************************************************************************************************************** and Mosaic Finance Solutions, **** at **************************************************************************************************************************.

   

  Only after I emailed Mosaic Finance Solutions, **** customer service, on Thursday, January 30, 2025, Representative ******* of Mosaic Finance Solutions, **** called me back and told me that the two accounts ****************** and 95167-15000625222) are housed in the main business office at FirstHealth of the Carolinas and to call **************.  And, Representative ******* rudely and nastily said, "Who better for you to call than them because we do not have it here!"

   

  On Thursday, January 30, 2025, I called FirstHealth of the Carolinas at ************** yet again, and I spoke to a Representative ***** who verified my cell and home numbers, wrote down the confirmation number that I was given by ******* ****** of FirstPoint Collection Resources, Inc. where I paid $137.68 and said that she was going to forward the information to her supervisor ***** to research and ***** will give me a call back.  ***** said that I do not owe FirstHealth of the Carolinas anymore payments other than what needs to be researched.

   

  I pay my bills on time, and I have never missed a payment with Mosaic Finance Solutions, ****  

   

  At this point, I am completely, totally and utterly exhausted from receiving the run around about this matter.

   

  Will someone please determine what has happened?

   

  Will someone please get me a full refund from FirstPoint Collection Resources, Inc.?

   

  Will someone please get me documentation for my records from FirstHealth of the Carolinas, Mosaic Finance Solutions, **** and FirstPoint Collection Resources, Inc. showing that I do not owe any of them any money?

   

  Please, Please, Please help me to resolve this matter.

   

  Thank you very much for your time and attention to this matter, and I look forward to hearing from you soon.

   

  Thank you very much,

  ******* ****

   

  On Wednesday, January 29, 2025, I called FirstHealth of the Carolinas again, and I spoke with a ***** who told me the following:

   

  -FirstHealth of the Carolinas shows that I do not owe anything from 2023.

  -The two accounts ****************** and 95167-15000625222) are both x-rays from Charlotte **********

  -To Patti's understanding, Mosaic Finance Solutions, **** and FirstPoint Collection Resources, Inc. are in the same building.

  -***** said that payments for March 2024, June 2024, November 2024 and December 2024 still have not been received at *********** of the Carolinas from Mosaic Finance Solutions, ****

  -***** suggested that I get copies of checks from my bank as documentation that I made all payments and told me to contact Mosaic Finance Solutions, **** and ask them to research the accounts.

   

  On Wednesday, January 29, 2025, I emailed FirstPoint Collection Resources, Inc. at ********************************************************************************************************************************************************************************** and Mosaic Finance Solutions, **** at **************************************************************************************************************************.

   

  Only after I emailed Mosaic Finance Solutions, **** customer service, on Thursday, January 30, 2025, Representative ******* of Mosaic Finance Solutions, **** called me back and told me that the two accounts ****************** and 95167-15000625222) are housed in the main business office at FirstHealth of the Carolinas and to call **************.  And, Representative ******* rudely and nastily said, "Who better for you to call than them because we do not have it here!"

   

  On Thursday, January 30, 2025, I called FirstHealth of the Carolinas at ************** yet again, and I spoke to a Representative ***** who verified my cell and home numbers, wrote down the confirmation number that I was given by ******* ****** of FirstPoint Collection Resources, Inc. where I paid $137.68 and said that she was going to forward the information to her supervisor ***** to research and ***** will give me a call back.  ***** said that I do not owe FirstHealth of the Carolinas anymore payments other than what needs to be researched.

   

  I pay my bills on time, and I have never missed a payment with Mosaic Finance Solutions, ****  

   

  At this point, I am completely, totally and utterly exhausted from receiving the run around about this matter.

   

  Will someone please determine what has happened?

   

  Will someone please get me a full refund from FirstPoint Collection Resources, Inc.?

   

  Will someone please get me documentation for my records from FirstHealth of the Carolinas, Mosaic Finance Solutions, **** and FirstPoint Collection Resources, Inc. showing that I do not owe any of them any money?

   

  Please, Please, Please help me to resolve this matter.

   

  Thank you very much for your time and attention to this matter, and I look forward to hearing from you soon.

   

  Thank you very much,

  ******* ****

   

  Business Response

  Date: 02/12/2025

  In response to the consumers complaint. According to the accounts that were placed with Mosaic Finance and FirstPoint Collection Resources and paid my ******* *****, left a refund of $18.00 due. Please see attached receipts.

  Customer Answer

  Date: 02/12/2025

   I am rejecting this response because:
  I paid Mosaic Finance Solutions, **** in full in the amount of $243.39 on Saturday, December 28, 2024, and this brought my account to a zero balance with Mosaic Finance Solution, ****  Then, I received a bill in the amount of $137.68 from FirstPoint Collection Resources, Inc. dated Wednesday, January 8, 2025, and I paid the $137.68 to FirstPoint Collection Resources, Inc. on Friday, January 17, 2025.  If I no longer owed Mosaic Finance Solutions, ****; then, why did FirstPoint Collection Resources, Inc. send me a bill from collections?  There was nothing to go to collections because I had already paid Mosaic Finance Solutions, **** in full.  I am not only owed a refund in the amount of $18.00, but $137.68 from FirstPoint Collection Resources, Inc. because I had already paid Mosaic Finance Solutions, ****
  
  

  Business Response

  Date: 02/13/2025

  In response to Ms. ****** rejection, FirstPoint stands by our original response. 

  Customer Answer

  Date: 02/25/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and I accept it.

   

  Good Afternoon,

   

  I wanted to email you back to let you know that I have received a full refund in the amount of $137.68 from FirstPoint Collection Resources, Inc.

   

  Thank you very much for all of your help!

   

  ******* Wall 

  PO Box 546

  **********, NC 28380

  ************** (cell)

  ************** (home)

• Initial Complaint

  Date:09/19/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 Called FirstPoint Collection Resources, Inc. to check on debt that was showing on my credit report. I gave the business my personal information name, birthday, and social. They could not find or confirm my personal info or the debt that was showing my on credit report.

  Customer Answer

  Date: 09/19/2024

  This is the info on my credit report that firstpoint Collect cannot find when I gave them my personal information.

  Business Response

  Date: 09/26/2024

  In response to the consumers complaint attached is the document to validate the account.

• Initial Complaint

  Date:08/29/2024

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  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 did not open an account with this company. I asked and never received an original copy of the contract. I was this removed off my credit report.

  Customer Answer

  Date: 08/29/2024

  I reached out numerous times by phone not email. I don't have any documentation of that.

  Business Response

  Date: 09/03/2024

  Per the consumers complaint, attached is the signed contract per Mr. ******* request. Xplore FCU has hired FirstPoint Collection Resources to collect this debt, however it is listed under Chapter 13 Bankruptcy; therefore, collection activity is not being pursed.

  Customer Answer

  Date: 09/03/2024

   I am rejecting this response because:
  
  This was included in my bankruptcy 

• Initial Complaint

  Date:07/29/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  After several attempts to provide contractual proof legally binding me to an account, they have refused. I have made several attempts yet they refused to respond which is illegal. Could you delete this information from my credit profile? Account#******

  Customer Answer

  Date: 08/01/2024

  These are the letters that were sent for them to correspond and they refused to. The Fair Credit Reporting Act states they must provide proof or documentations and they have refused to respond, just ignored me. I know they have been known to break the Consumer Law.

  Business Response

  Date: 08/16/2024

  In response to the consumer's complaint. FirstPoint Resources, **** has received a dispute from the *********************** on 7/10/2024 and 7/23/2024 which was verified as reported. Attached is validation. The signature is an E file signature, you may contact your insurance agency for more information.

  
  ***** **************** ****
  ***********************************************************

  Customer Answer

  Date: 08/19/2024

   I am rejecting this response because: They have no legal boundaries to put this account on my credit. Also the letter provided has no factual proof just a print out. It does not provide. proof between myself and firstpoint. I am asking for a reinvestigation and I am filing a complaint because according to the **** they must provide proof and the printout does not provide any proof
  
  
  

• Initial Complaint

  Date:06/26/2024

  Type:Billing Issues
  Status:

  UnansweredMore info

  Complaint statuses

  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 company contacted me from a ***************** number and claiming I have a debt of $700 from American cash advance and when I reached out to the company they claimed I had a debt on they dont even have me in their system. I then called them back to notify them of this and then they said theyre a intermitente 3 party to certify the information and they had my entire Social Security number. I dont feel comfortable with this company having my information.

• Initial Complaint

  Date:06/20/2024

  Type:Service or Repair Issues
  Status:

  UnansweredMore info

  Complaint statuses

  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 company calls. I did not answer but instead called them back. The first operator tells me that I have a civil suit against me so I laughed. I know it's a scam. I ask where she is located. She was silent for a little bit. Then tells me ****. I tell her she called me so what did she want. She starts rambling on. So I give her a piece of my mind and she hangs up. Call 2: argument escalates into a yelling match with another operator and they hang up Call 3: another argument with a man who will not tell me where they are located but instead rattles off my name, bday, etc. Trying to scare me. Escalates into another yelling match and he hangs up Call 4: THIS TIME... it gets good. Man answers..... I ask why he is calling me and where is he located. He says Texas in his finest country twang. Yelling match ensues. I ask him how it feels for someone to call and harass him because that is what they are doing to me. He said "because I get paid to do it" .... Cussing match begins. The easiest way to rattle their cage is to drop a couple of "fuck yous"........ he rattles off my name and bday..... last 4 of my social. Tells me he is coming after me and he will get a bonus check after he is finished with me.

  Customer Answer

  Date: 07/01/2024

  I have not heard from the business in response to my complaint.

  
  

• Initial Complaint

  Date:06/14/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 recently was contacted stating that I had a pay day loan which was outstanding from 2019. I was not given any information on the original creditor, nor was any correspondence given in writing about this debt. The debt in question is for a $500 pay day loan, although I have never once used a service like that, nor did I ever stop working throughout the entire pandemic. I was told that this would not show up on my credit report as the loan was unsecured. I have requested the original documents to show my liability for this debt, but have not received the items requested to date.The company is reporting inaccurate and unverified information. My refusal to pay this alleged debt is now a request for a cease and desist and removal of this debt prior to it appearing (if it will appear) on my credit report, immediately. In accordance with 15 USC 1692c(c), 15USC 1692k, 15 USC 1681 a section 602 and 604, USC 1681I(a)(5), and USC 1681c-2 (A)(1) THIS MUST BE RECTIFIED AND DELETED

  Business Response

  Date: 06/17/2024

  In response to the consumer's complaint, unable to locate the consumer in FirstPoint Collection Resources system. 

• Initial Complaint

  Date:05/09/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 recently received a copy of my credit report and was shocked to learn I have been a victim of identity thief. Firstpoint coll resources has reported a unpaid account on my ********************** report for $171 that I am not responsible for. After months of requesting documents to show that I am liable for the have only submitted a bill which does not validate the debt. They are reporting inaccurate and unverified information. I refuse to pay this alleged debt and request a cease and desist and removal of account from my credit report immediately. In accordance with 15 USC 1692c(c), 15USC 1692k, 15 USC 1681 a section 602 and 604, USC 1681I(a)(5), and USC 1681c-2 (A)(1) THIS MUST BE DELETED.

  Customer Answer

  Date: 05/09/2024

  See Attached

  Customer Answer

  Date: 05/10/2024

  Ive attached a copy of the **** complaint and the documents that the collection company provided, which is not addressed to me or my name.

   

  Sent from Mail for Windows

  Business Response

  Date: 05/14/2024

  In Response to the consumers complaint. we have sent incorrect verification in the previous complaint. Attached is the correct verification, please destroy the incorrect documents.

  The consumers complaint indicates the issue is the debt is a result of identity theft.  We have received the Identity Theft Report from the ************************* please provide and ID theft Affidavit and police report showing the incident date. 

  Customer Answer

  Date: 05/14/2024

   I am rejecting this response because: I still have not received the requested information:

  Original contract

  Contract between alleged debtor and your agency 

  Original purchase agreement 

  Proof you are license to collect in my state 

  Payments, transactions, adjustments made on this account from the original creditors.

  The agreement must be with the original creditor and signed by all parties involved 

  Provide an itemization  showing dates and amounts of each requested information.

  I refuse to pay this debt and request you cease and desist all collect efforts and attempts to report to credit agencies. You are illegally attempting to collect an alleged debt and money I do not owe. According to the **** 15 USC 1681 section  602 which states I have a right to privacy which have been violated. Failure to block,delete  and remedy this will/ may result in a civil  and/or lawsuit against the agencies involved.

  
  

• Initial Complaint

  Date:04/30/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  You are reporting fraudulent and unverifiable information on my credit report. I ask for a full discloser of this debt. I did not receive my sign signature, original contract, or any document about this debt. I have not resided in Phila nor had active service with Peco for years and my account that was on auto pay was closed with a $0 balance in 2022. Delete first point collection resolutions from my credit report immediately. By law after 30 days this account is not mine. Stop calling me and harassing me about an account that is not mine, there is an active tenant at this address that any Peco should have been billed to! Remove this from collections, remove me from any additional lists I am not liable for any charges at this property. Thanks

  Customer Answer

  Date: 05/01/2024

  Hello, 

  I do not have verification to upload. I was contacted by an agent via phone and verbally requested them to provide authorization of this debt. I received no written notification from this agency, only phone calls. 
  

  Thanks 

  Business Response

  Date: 05/06/2024

  In response to the consumer's complaint. Please find the validation attached. Per PECO, the consumer reconnected service in September 2023.

  Customer Answer

  Date: 05/06/2024

   I am rejecting this response because:
  
  I moved out of this property with a $0 balance. Therefore the $19.25 charges are disputed as invalid. Account was moved in my name pending tenant transfer, property was vacant the entirety of September and should not have had high usage if any at all. Regardless, PECO account has always been authorized for autopay to ensure timely payment and this account should have never been sent to collections as PECO was authorized to collect payment from account listed in now defunct account. I reside in *****, PECO billing statement attached was not even mailed to correct forwarding address for appropriate or timely review in addition to the fact that PECO account was set to email correspondence to which none of this info was received by email on account either. I am requesting creditor respond with payment agreement that removes disputed past charge that is unfounded and subsequent late charges applied as well as provide immediate and permanent deletion of item from my credit report upon receipt of negotiated settlement. Thanks 

  Business Response

  Date: 05/08/2024

  In response to the consumers complaint, we have contacted our client and verified that the consumer is the responsible party. The client will accept a 25% settlement of $49.30 in which once paid, will be reported as paid in full to the credit reporting agency.

  Customer Answer

  Date: 05/08/2024

   I am rejecting this response because:
  
  To clarify, I am not disputing debt I am disputing existence of prior charges added to bill as well as the fact that account was approved for autopay and PECO is wholly at fault for this matter being outstanding. I accept settlement amount listed, however, before submitting payment once again I am requesting (in writing) that there is not simply an update that this is paid but collector agrees in writing to full deletion of item from credit report. Creditor must also forward details of how to submit payment. Thanks 

• Initial Complaint

  Date:03/25/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 told I owe a debt but was not provided with proof of this debt by the company. They then took more than what was told to be from my bank account and did not disclose the amount on any paperwork I was bullied to sign. I was not aware of this debt and was not provided with proof instead I was bullied by the representative that I would have to pay immediatly or I will face court proceedings 'When I asked for proof of the debt they said I could only see the document in court. I the stopped the payment with my bank, but now they are reversing the payment. The address on file for this company is not a store front rather a *** store. I want my refund and proof of debt.

  Business Response

  Date: 03/25/2024

  This consumer's complaint is directed to 1st Point Solutions. Our company is FirstPoint *************