ComplaintsforMRS BPO, L.L.C.

• Initial Complaint

  07/01/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  I have been sent text messages weekly since April regarding a debt associated with Spectrum. I have never utilized Spectrum for any services to my knowledge. I have contacted Spectrum directly and they could not locate an account associated with my name. I do not currently and have not previously lived at an address that supports Spectrum services. I have had the same number for years, I am unsure how I got on this list but it is in error.

  Business response

  07/25/2024

  BBB ID: #********
  MRS Ref: ************
  
  
  MRS BPO, LLC (“MRS”) received a copy of the complaint that the consumer submitted to the Better Business Bureau of New Jersey (“BBB”). We welcome the opportunity to assist with this matter.
  
  This complaint was sent to MRS on July 15, 2024.  
  
  This complaint is regarding calls and text messages that the consumer received from MRS. The consumer provided their phone number with the complaint.
  
  The consumer states they have been sent text messages weekly since April regarding a debt associated with Spectrum. The consumer has never utilized Spectrum for any services to their knowledge. The consumer contacted Spectrum directly and they could not locate an account associated with the consumer’s name. The consumer does not currently and has not previously lived at an address that supports Spectrum services. They have had the same number for years, and are unsure how they got on this list but it is in error.
  
  The consumer’s desired resolution is: “No further contact by the business.”
  
  This complaint is the first notice from this consumer.  This complaint is simply a matter of MRS calling/ texting a wrong number, nothing more.  
  
  MRS was attempting to contact an individual at the phone number provided with the complaint, which was provided to MRS as a viable number to reach the intended party.  
  
  This consumer is not the person we were attempting to contact.
  
  MRS was not aware that this was a wrong number until it received this complaint.
  
  MRS apologizes for any misunderstanding.
  
  MRS will not call or send any text message to the phone number provided with the complaint. We trust this will satisfy the consumer’s desired resolution.  
  
  Thank you for your courtesy and consideration. If you or the consumer have any additional questions or concerns regarding our investigation, feel free to contact us directly. Our contact information is below. 
  
  Sincerely,
  MRS BPO, LLC
  **** ***** *** ****** ***** ** ***** ***** ******** *********************
  
  This communication is from a debt collector
  
  

  Customer response

  07/25/2024

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Regards,
  
  ***** **

• Initial Complaint

  06/18/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  MRS *** LLC is texting daily over a bill through ******** I have had ******* for a decade at least, have never been disconnected, always paid and recently called them direct. ******* could not find any record of a late payment or collection for any of the numbers associated with my account. I was also told this happens frequently with this company and they were not trustworthy. I would appreciate any help with this matter. This also does not show on my credit report. I was also advised by ******* not to contact *** directly due to in their opinion scam possibility, but block them which apparently is impossible.

  Business response

  06/20/2024

  BBB ID: #********
  MRS Ref: LU7-9703377
  
  Dear **********************,
  
  MRS BPO, LLC (MRS) received a copy of the complaint that the consumer, ***** ***, submitted to the Better Business Bureau of New Jersey (BBB). We welcome the opportunity to assist with this matter. 
  
  **** complaint is regarding text messages the consumer received from MRS. *** consumer provided their phone number and address.
  
  *** consumers desired resolution is: Correction to a credit report.
  
  MRS was attempting to contact an individual at the phone number provided with the complaint. That phone number was provided to MRS as a viable number to reach the intended party. However, it appears that there was a miscommunication or an error in providing the correct contact information to MRS. **** consumer is not the person we were attempting to contact.
  
  We understand that it can be frustrating to receive calls or messages intended for someone else. We do our best to ensure the information that we are provided is accurate, but please understand that sometimes we are provided with old or inaccurate phone numbers.
  
  Although it is not required that the consumer contact MRS directly, we provide many options to contact us including by phone, mail, email, text message and our web portal. MRS did not receive any response from this consumer or the phone number at issue. Had the consumer notified or contacted MRS directly that we were reaching a wrong number, we would have immediately ceased attempts to contact the intended party at the phone number at issue.  
  
  MRS will not make any further attempts to call the phone number provided with the complaint. We trust this will satisfy the consumers desired resolution.
  
  To be clear, MRS was not attempting to contact ***** ***, does not have any account in its office for ***** ***, and did not report anything to the credit bureaus regarding ***** ***.  MRS is not able to make any correction to any credit report related to ***** ***.  
  
  Thank you for your courtesy and consideration. If you or the consumer have any additional questions or concerns regarding our investigation, feel free to contact us directly. Our contact information is below.
  
  Sincerely,
  MRS BPO, LLC
  *********************************************************************
  **************
  *********************
  
  **** communication is from a debt collector
  
  

• Initial Complaint

  06/14/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This company messaged me about collecting a debt for ******** but I have never had an account with them at any point, and can find no record of this at any point. This is ridiculous, and their customer support is unable to be reached.

  Business response

  06/20/2024

  BBB ID: #********
  MRS Ref: LU7-9796976
  
  Dear **********************,
  
  MRS BPO, LLC (MRS) received a copy of the complaint that the consumer, *****************************, submitted to the Better Business Bureau of New Jersey (BBB). We welcome the opportunity to assist with this matter. 
  
  **** complaint is regarding a text message the consumer received from MRS. *** consumer provided their phone number and address.
  
  *** consumers desired resolution is: Correction to a credit report.
  
  MRS was attempting to contact an individual at the phone number provided with the complaint. That phone number was provided to MRS as a viable number to reach the intended party. However, it appears that there was a miscommunication or an error in providing the correct contact information to MRS. **** consumer is not the person we were attempting to contact.
  
  MRS sent one text message to the phone number at issue. Shortly thereafter, MRS received a reply Stop.  MRS immediately marked the phone number at issue and MRS did not send any text messages after receipt of the request to stop.  
  
  We understand that it can be frustrating to receive calls or messages intended for someone else. We do our best to ensure the information that we are provided is accurate, but please understand that sometimes we are provided with old or inaccurate phone numbers.
  
  MRS will not make any further attempts to call the phone number provided with the complaint. We trust this will satisfy the consumers desired resolution.
  
  To be clear, MRS was not attempting to contact *****************************, does not have any account in its office for *****************************, and did not report anything to the credit bureaus regarding *****************************.  MRS is not able to make any correction to any credit report related to *****************************.  
  
  Thank you for your courtesy and consideration. If you or the consumer have any additional questions or concerns regarding our investigation, feel free to contact us directly. Our contact information is below.
  
  Sincerely,
  MRS BPO, LLC
  *********************************************************************
  **************
  *********************
  
  **** communication is from a debt collector
  
  

• Initial Complaint

  06/10/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I canceled my Spectrum account in January of 2023. They continued billing me for services never rendered past said date. Not I face constant harassment for a measly $120-$180. I will NOT pay this as I have proof that I canceled and wasn't even living in the residence they were offering service to. I was a loyal customer for over ten year's. I will NOT pay for service I never recieved!

  Business response

  06/20/2024

  BBB ID: ********
  MRS ***: LU1-19095836
  
  Dear **********************,
  
  MRS BPO, LLC (MRS) received a copy of the complaint that the consumer, ***********************, submitted to the Better Business Bureau of New Jersey (BBB). We welcome the opportunity to assist with this matter.
  
  This complaint is regarding an account that our client, Spectrum, placed with MRS for collection. Please be aware that MRS does not own the account in question. The ownership of the account remains with the creditor, and MRS was acting as an authorized representative to collect the outstanding balance on their behalf.
  
  Summary of the Complaint:
  The consumer states that they canceled their Spectrum account in January 2023 yet continued to be billed for services never rendered past that date.  The consumer emphatically states that they will not pay this account.  
  
  Their desired resolution is a billing adjustment, correction to their credit report, and to have no further contact from MRS.
  
  Response:
  Based on the details provided and the language used within the complaint, MRS feels that this complaint is intended for Spectrum and not MRS.
  
  MRS denies any suggestion that it violated collection laws in connection with the communications described in the complaint.
  
  MRS cannot make any billing adjustments.  
  
  MRS did not and will not report this account to the credit bureaus.
  
  MRS will honor the customers request for no further contact and have closed and returned the account back to Spectrum.
  
  We recommend the consumer contact Spectrum with any questions regarding the balance owed to them.  
  
  Thank you for your courtesy and consideration. If you or the consumer have any additional questions or concerns regarding our investigation, feel free to contact us directly. Our contact information is below.
  
  Sincerely,
  MRS BPO, LLC
  *********************************************************************
  **************
  *********************
  
  This communication is from a debt collector
  
  

• Initial Complaint

  06/06/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  They have been texting me about Capitol One bill I guess- first and for most I have Never had a credit card with this bank. the automated system wanted my SS number which I Will Not do. I have never even heard of this company before. And have no idea how they got my number.

  Business response

  06/13/2024

  BBB ID: #********
  MRS Ref: LU5-1021829
  
  Dear **********************,
  
  MRS BPO, LLC (MRS) received a copy of the complaint that the consumer submitted to the Better Business Bureau of New Jersey (BBB). We welcome the opportunity to assist with this matter.
  
  This complaint is regarding text messages that the consumer received from MRS. 
  
  *** consumer provided their phone number with the complaint.
  
  *** consumer states MRS has been texting them about a *********** bill.  *** consumer states they have never had a credit card with this bank. *** consumer states that MRSs automated system wants their SS number which the consumer will not do. *** consumer has never even heard of this company before, and has no idea how they got their number.
  
  *** consumers desired resolution is: No further contact by the business.
  
  MRS initiated an investigation in order to address the concerns. Our investigation included a thorough review of the text messages, calls, recorded call, and the information provided with the complaint.
  
  MRS sent three (3) text messages and placed two (2) phone calls to the phone number at issue between May 20, 2024 and June 4, 2024. MRS was attempting to contact an individual at that phone number, which was provided to MRS as a viable number to reach the intended party.  *** text messages requested the recipient contact MRS. *** phone calls were not answered.  
  
  This consumer is not the person we were attempting to contact. MRS was not aware that this was a wrong number until it received this complaint.
  
  On June 4, 2024, MRS received a call from the phone number at issue.  *** caller was greeted by our automated attendant.  We requested the caller provide the last 4 digits of their SSN (not the full SSN).  This information is requested to ensure we are speaking with the intended party.  *** caller declined to provide the information and terminated the call.  Shortly thereafter on the same date, MRS received a reply to our text message Stop.  
  
  MRS has not placed any calls to, or sent any text messages to the phone number at issue since June 4, 2024.  MRS will not call or send any text message to the phone number provided with the complaint.
  
  MRS apologizes for any misunderstanding.
  
  Thank you for your courtesy and consideration. If you or the consumer have any additional questions or concerns regarding our investigation, feel free to contact me directly. My contact information is below.
  
  Sincerely,
  MRS BPO, LLC
  *********************************************************************
  **************
  *********************
  
  This communication is from a debt collector
  
  

  Customer response

  06/14/2024

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Regards,
  
  *********************

• Initial Complaint

  05/30/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I have been received text messages weekly for the past couple of months to contact them about a debt that is not mine. I called the number in the text asking they remove me from their contact list and was unsuccessful after waiting on hold for over 15 minutes - I hung up as I needed to get back to work. I tried to use the website and it could not find an account matching my information. I have had the same phone number for 20 years- not sure how my number was mistaken! I would like to add that these text messages look like a scam especially because I know I have no debt in collections.

  Business response

  06/05/2024

  BBB ID: #********
  MRS Ref: LU5-974362
  
  Dear **********************,
  
  MRS BPO, LLC (MRS) received a copy of the complaint that the consumer submitted to the Better Business Bureau of New Jersey (BBB). We welcome the opportunity to assist with this matter.
  
  This complaint is regarding text messages that the consumer received from MRS. *** consumer provided their phone number with the complaint.
  
  Recap of complaint
  *** consumer states they received text messages weekly for the past couple of months to contact them about a debt that is not theirs. *** consumer called the number in the text asking to remove them from the contact list and was unsuccessful after waiting on hold for over 15 minutes.  *** consumer hung up as they needed to get back to work. 
  
  *** consumer tried to use the website and it could not find an account matching their information. 
  
  *** consumer believes the text messages look like a scam especially because they know they have no debt in collections.
  
  *** consumers desired resolution is: No further contact by the business.
  
  What we did when we received the complaint
  MRS initiated an investigation in order to address the concerns. Our investigation included a thorough review of the text messages, calls to and from the phone number provided with the complaint, and other information provided with the complaint.
  
  Response
  MRS was not aware that this was a wrong number until it received this complaint.
  
  This consumer is not the person we were attempting to contact.
  
  We respectfully deny any suggestion that MRS is a scam. MRS has been in business since 1991, serving numerous clients and consumers satisfactorily, and is a BBB Accredited Business.
  
  What we found
  MRS made eight (8) calls to the phone number provided with the complaint, and sent eight (8) text messages to the phone number provided with the complaint on or after March 28, 2024. MRS was attempting to contact an individual at that phone number, which was provided to MRS as a viable number to reach the intended party.
  
  *** messages requested the recipient contact MRS, and that MRS is a debt collector. We understand that the consumer did not respond to them, but please note that we provide an option to opt out of future messages by replying with the word "STOP."  We also provide several other options to contact MRS.
  
  *** first and only call MRS received from the phone number at issue was on May 30, 2024.  When the consumer called MRS, there was no representative immediately available to assist the consumer.  
  
  Since this consumer is not the account holder, they were not able to access the associated account via our website using their information.  
  
  Closing
  MRS apologizes for any misunderstanding.
  
  MRS will not call or send any text message to the phone number provided with the complaint.
  
  Thank you for your courtesy and consideration. If you or the consumer have any additional questions or concerns regarding our investigation, feel free to contact me directly. My contact information is below.
  
  Sincerely,
  MRS BPO, LLC
  *********************************************************************
  **************
  *********************
  
  This communication is from a debt collector
  
  

• Initial Complaint

  05/24/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  ***** ******* ******* **** **** ** ***** Avenue ****.**** *********, ** ***** DOB: **/27/**** Last 4 of SSN: **** *****: 05/24/2024 ******* P.*. *** ******* *******, ** *****-**** Dear Sir or Madam, I recently conducted an investigation of my credit report and found several items to be inaccurate. According to 15 U.S. Code 1681e(b), whenever a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates. Additionally, 15 U.S. Code 1681i(a)(5) outlines the treatment of inaccurate or unverifiable information. Specifically: (A) In general: If, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency shall: (i) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and (ii) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following item from my credit report immediately: Accounts: MRS BPO LLC, Account#: ********* - This account, with a balance of $277, was previously removed from ********** and ******** but has been incorrectly reinserted under a different collection agency. It is inaccurate and must be removed. Failure to address this issue promptly will leave me no choice but to file a formal complaint with the Consumer Financial Protection Bureau (CFPB). Thank you for your prompt attention to this matter. I look forward to your immediate action to rectify this error and to a written confirmation once the account has been removed. Sincerely, ***** ******* ******* ****

  Business response

  06/13/2024

  BBB ID: #********
  MRS Ref: ***-********
  
  
  
  MRS BPO, LLC (“MRS”) received a copy of the complaint that the consumer submitted to the Better Business Bureau of New Jersey (“BBB”). We welcome the opportunity to assist with this matter.
  
  This complaint is regarding an account that our client, ********, placed with MRS for collection. Please be aware that MRS does not own the account in question. The ownership of the account remains with the creditor, and MRS was acting as an authorized representative to collect the outstanding balance on their behalf. 
  
  This complaint is a dispute of the accuracy of what was reported to the credit bureaus. The consumer’s desired resolution is: “Correction to a credit report.”
  
  Recap of complaint
  The consumer conducted an investigation of their credit report and found several items to be inaccurate. The consumer references certain laws regarding the accuracy of what is reported to the credit bureaus, including 15 U.S. Code 1681e(b) and 15 U.S. Code 1681i(a)(5). The consumer asks to remove the following item from my credit report immediately: 
  MRS BPO LLC, Account#: ********* - This account, with a balance of $277, was previously removed from ********** and ******** but has been incorrectly reinserted under a different collection agency. It is inaccurate and must be removed. 
  
  The consumer asserts that failure to address this issue promptly will leave them no choice but to file a formal complaint with the Consumer Financial Protection Bureau (CFPB). 
  
  The consumer concludes the complaint thanking the BBB for their prompt attention to this matter. The consumer goes on saying they look forward to the BBB’s immediate action to rectify this error and to a written confirmation once the account has been removed.
  
  There was some additional communication from the consumer directly to the BBB included with the complaint in which the consumer explains that the collection account that has been reinserted into my credit report by a different collection agency, despite being previously removed due to inaccuracies. The consumer explains that in response to the BBB’s request for documentation regarding the consumer’s request for a copy of the original contract from the business, the consumer would like to clarify the following:
  Lack of Contractual Relationship: I have no contractual relationship with the collection agency that reinserted the account into my credit report. Therefore, there is no original contract that I can request. The account in question was previously disputed and removed due to verified inaccuracies in the provided information.
  Attached Documentation: Enclosed with this letter are two credit reports from different dates. The first report shows the removal of the inaccurate account. The second report shows the reappearance of the account under a new collection agency. This reappearance without proper justification violates the procedures established by the Fair Credit Reporting Act (FCRA).
  
  The consumer provided their name, current address, date of birth, SSN, and other information with the complaint. 
  
  Response
  MRS denies any suggestion that it violated any collection laws in connection with the communications described in the complaint.
  
  The information MRS reported to the credit bureaus was true and accurate. 
  
  MRS is not aware of or responsible for what may have been previously reported to the credit bureaus regarding this account or the reason it was removed.  
  
  This complaint is the only communication MRS received related to the consumer and the consumer’s account that was placed with MRS for collection.
  
  Had the consumer made a direct request to MRS, validation would have been provided.
  
  What we did when we received the complaint
  MRS initiated an investigation in order to address the concerns. Our investigation included a review of the account activity, correspondence sent to the consumer, credit reporting history, and the information provided with the complaint. We also contacted our client for additional information.
  
  What we found
  Our client placed the account in question with MRS for collection on March 6, 2024. The placement included the consumer’s name, date of birth, service address, and other information. The balance owed is for an unpaid service balance and unreturned equipment.  
  
  Upon receipt of the account, MRS promptly mailed a letter to the consumer at the service address on the account, containing notice of the placement of the account with MRS and information related to the right to dispute the debt or request additional information about the debt in accordance with the Fair Debt Collection Practices Act.
  
  The letter included instructions on how to dispute the debt or request documentation to validate the debt, and the time frame in which to do so. Specifically, if the consumer does not call or write to us by April 17, 2024 to dispute all or part of the debt, we will assume that our information is correct. 
  
  The letter was not returned to MRS.  MRS did not receive any notification that the account was disputed nor any request for validation within the designated time frame or at any other time prior to the receipt of this complaint. 
  
  On or about April 24, 2024, MRS reported the subject account to the major credit reporting agencies,
  *******, ******** and **********. MRS was not notified of any dispute made with any of the credit bureaus.  
  
  This complaint is the first notice to MRS that the account is disputed.  
  
  ******** provided copies of billing statements which they previously mailed to the consumer. The billing statements from January 15, 2023 through April 15, 2023 reflect service charges, payments, charges for unreturned equipment, and credits during those billing periods. MRS mailed copies to the consumer. For the consumer’s convenience, copies are included with this response.
  
  Closing
  Based on the information available and reviewed while investigating this complaint, MRS believes the account in question is valid, and that the information MRS reported to the credit bureaus was true and accurate.
  
  At this time, MRS requested the deletion of the account from credit reporting agencies, namely *******, ********, and **********. Please note that the timeframe for each bureau to update their records regarding our request is beyond our control. 
  
  Although we have requested that the credit bureaus remove what MRS previously reported, the balance on account is still due.
  
  MRS will suspend attempts to contact the consumer regarding the account at issue. The purpose of this suspension is to give the consumer time to review the information we have provided, so that they can take appropriate next steps. MRS will resume its collection efforts no earlier than July 23, 2024.  
  
  While MRS will temporarily suspend its efforts to communicate with the consumer during this time period, they are free to contact MRS to discuss the matter at their convenience. They are also free to communicate with MRS in writing.
  
  Thank you for your courtesy and consideration. If you or the consumer have any additional questions or concerns regarding our investigation, feel free to contact me directly. My contact information is below.
  
  Sincerely,
  MRS BPO, LLC
  
  

  
  
  This communication is from a debt collector
  
  Attachments:
  Billing Statement January 15, 2023
  Billing Statement February 15, 2023
  Billing Statement March 15, 2023
  Billing Statement April 15, 2023
  

  
  

  Customer response

  06/14/2024

  
  Complaint: ********
  
  I am rejecting this response because:

   I want to clarify that I never received any notification regarding this debt prior to this dispute, as mentioned in your initial response. This lack of notification constitutes a violation of my rights under the FDCPA.
  
  
  Regards,
  
  ***** ******* ******* ****

• Initial Complaint

  05/18/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  MRS *** calls and texts my cell phone number regarding a debt owed to Spectrum cable which I haven't had an account with in more than 20 years. At some point I communicated this with Spectrum as someone used my phone number to set up an account that I had no knowledge of. The calls and texts went away for several years and now they are back again, coming from MRS **** None of this shows up on my credit report as the debt owed by me is non-existent, but I am harassed almost daily by them.

  Business response

  05/22/2024

  BBB ID: #********
  MRS Ref: LU1-19443352
  
  Dear **********************,
  
  MRS BPO, LLC (MRS) received a copy of the complaint that the consumer submitted to the Better Business Bureau of New Jersey (BBB). We welcome the opportunity to assist with this matter.
  
  This complaint is regarding calls and text messages that the consumer received from MRS. *** consumer provided the phone number at issue with the complaint.
  
  *** consumer states MRS calls and texts their cell phone regarding a debt owed to Spectrum.  *** consumer states they havent had an account with Spectrum in more than 20 years. *** consumer explains that at some point, they communicated to Spectrum that someone used their phone number to set up an account of which the consumer had no knowledge.  *** consumer indicates that the calls and texts went away for several years, and now they are back again, coming from MRS.
  
  *** consumer states none of this shows up on their credit report.  
  
  *** consumer asserts they are being harassed almost daily by MRS.  
  
  *** consumers desired resolution is: No further contact by the business.
  
  MRS initiated an investigation in order to address the concerns. Our investigation included a thorough review of the text messages, and the information provided with the complaint.
  
  MRS was attempting to contact an individual at the phone number at issue, which was provided to MRS as a viable number to reach the intended party.
  
  This consumer is not the person we were attempting to contact.
  
  MRS was not aware that this was a wrong number until it received this complaint.
  
  MRS denies any suggestion that it harassed the consumer or that MRS ***** and sends text messages almost daily.  MRS called or sent a text message to the phone number at issue on 11 dates between April 11, 2024 and May 18, 2024.  That is about 1 attempt every 3 days, not daily as suggested.  
  
  We want to also point out that the consumer posted a ****** review with their concerns.  In both the ****** review and the complaint to the BBB, the consumer acknowledges they were aware that their phone number at issue was used some time ago to open a Spectrum account without their knowledge or authorization.  *** consumer, knowing we were probably calling the wrong number based on prior experiences, did not take any action to alert MRS that it was calling a wrong number.  Please be assured however that had the consumer notified MRS, we would have ceased the calls and text messages.  
  
  MRS apologizes for any misunderstanding.
  
  MRS will not call or send any text message to the phone number provided with the complaint.
  
  Thank you for your courtesy and consideration. If you or the consumer have any additional questions or concerns regarding our investigation, feel free to contact me directly. My contact information is below.
  
  Sincerely,
  MRS BPO, LLC
  *********************************************************************
  **************
  *********************
  
  This communication is from a debt collector
  
  

  Customer response

  05/22/2024

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Regards,
  
  *************************

• Initial Complaint

  05/15/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Upon reviewing a copy of my credit report. I have recently been informed that there is negative information reported by MRS *** LLC and the account claims I owe in the file you maintain under the last 4 of my Social Security number. I would like to address the inaccurate reporting made on my credit report, which has had a profoundly negative impact on my credit report. This correspondence is not a refusal to pay, but rather a formal dispute as per the guidelines outlined in the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 {b}, requesting validation of your claim. I was unaware of this debt, I did not have the opportunity to dispute this debt , I DID NOT receive proper notification of this debt, if in fact you believe I received proper notification please provide me with a copy of the certified mail receipt bearing my signature on it stating I received notice of this debt. 15 U.S. Code 1692g - Validation of debts (a)Notice of debt; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice. I have not received any notice of this debt. If in fact you believe I have received such, provide me with a copy of the certified mail receipt bearing my signature.

  Business response

  05/22/2024

  BBB ID: #********
  MRS Ref: 202400516
  
  Dear **********************,
  
  MRS ***, LLC (MRS) received a copy of the complaint that the consumer submitted to the Better Business Bureau of New Jersey (BBB). We welcome the opportunity to assist with this matter.
  
  The complaint is regarding negative information allegedly reported by MRS *** LLC to the consumers credit report.
  
  The consumer states that MRS maintains a file under the last 4 of their Social Security number.
  
  The consumer states they did not receive proper notification of the debt.
  
  The consumer would like MRS to provide documentation to validate the debt, or delete the account from their credit file that MRS maintains under their Social Security number.
  
  The consumer provided their name, state, and phone number.  The consumer did not provide their full address or the last 4 of their Social Security number.  The consumer did not provide an account number or any other information to identify the account at issue, or what MRS may have reported to the credit bureaus.  
  
  We have not been able to identify an account using the limited information provided.  
  
  If MRS reported anything to the consumers credit report, we request the consumer provide a copy so that we can review further.  This can include an account number, balance, date reported, the consumers full address, and/ or the last 4 of their Social Security number.  Any information not related to or relevant to what MRS ***, LLC is reporting can be redacted.  
  
  Please note that MRS ***, LLC cannot change or remove what any other entity may have reported.  
  
  Thank you for your courtesy and consideration. If you or the consumer have any additional questions or concerns regarding our investigation, feel free to contact me directly. My contact information is below.
  
  Sincerely,
  MRS ***, LLC
  *********************************************************************
  **************
  *********************
  
  This communication is from a debt collector
  
  

• Initial Complaint

  05/14/2024

  Complaint Type:

  Delivery Issues

  Status:

  Resolved

  More info

  I am contacted via text even after I have texted to opt out previously. I have received over 5 text messages or more.The phone number comes from ***********.The message reads:Contact MRS *** LLC regarding a matter with AFFIRM **** MRS is a collection agency. Visit us at:************************* Call: ************** To opt out of texts, reply: STOP Rights/Information: mrsbpo.com/disclosures To text with us Click ******************************************** or Reply: Chat.I have never done business with AFFIRM or MRS *** LLC.

  Business response

  05/22/2024

  BBB ID: #********
  MRS Ref: LU9-2566170
  
  Dear **********************,
  
  MRS ***, LLC (MRS) received a copy of the complaint that the consumer submitted to the Better Business Bureau of New Jersey (BBB). ** welcome the opportunity to assist with this matter.
  
  This complaint is regarding text messages that the consumer received from MRS. *** consumer provided the phone number at issue with the complaint.
  
  *** consumer states they received 5 or more text messages.  *** consumer provided a copy of the text messages.  *** consumer states they have never done business with AFFIRM or MRS *** LLC.
  
  *** consumers desired resolution is: Contact by the business.
  
  MRS initiated an investigation in order to address the concerns. Our investigation included a thorough review of the text messages, and the information provided with the complaint.
  
  MRS was attempting to contact an individual at that phone number, which was provided to MRS as a viable number to reach the intended party.
  
  This consumer is not the person we were attempting to contact.
  
  MRS was not aware that this was a wrong number until it received this complaint.
  
  *** messages requested the recipient contact MRS. ** understand that the consumer did not respond to them, but please note that we provide an option to opt out of future messages by replying with the word "STOP." ** also provided alternate ways to contact MRS to notify us we may be calling or texting a wrong number. 
  
  ** understand that some consumers opt to file a complaint with the BBB instead of notifying MRS that we may be calling or texting a wrong number, and we respect that choice.  Please be assured however that had the consumer notified MRS that we were reaching a wrong number, we would have immediately ceased sending text messages or calls to the number in question.  
  
  MRS apologizes for any misunderstanding.
  
  MRS will not call or send any text message to the phone number provided with the complaint.
  
  Thank you for your courtesy and consideration. If you or the consumer have any additional questions or concerns regarding our investigation, feel free to contact me directly. My contact information is below.
  
  Sincerely,
  MRS ***, LLC
  *********************************************************************
  **************
  *********************
  
  This communication is from a debt collector
  
  

  Customer response

  05/22/2024

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Regards,
  
  ***********************

*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. ↩