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:04/22/2025

  Type:Customer Service 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.

  This agency calls me three to four times a week. They demand to speak to ******** ******** and ask if it is me. Now with AI if I say my name they will have my voice and the more information they ask for, the more personal and private information I am giving them. I have repeatedly asked them what they are calling about and they refuse to tell me. I do not feel comfortable giving an agency I have never heard of information about me just because they are asking. I am not able to verify why they are calling or what they are calling for.

  Business Response

  Date: 05/01/2025

  BBB ID: ********
  *** Ref: LU7-10959538
  
  Dear ********* *.,
  
  ************ ***** received a copy of the complaint submitted by the consumer, ******** ********, to the Better Business Bureau of New Jersey (BBB). We appreciate the opportunity to assist with this matter.
  
  This complaint concerns an account that our client, ****************, placed with *** for collection. *** does not own the account; ownership remains with the creditor. *** was acting as an authorized representative to collect the outstanding balance on their behalf.
  
  The consumer states that *** called three to four times per week, asked to speak with ******** ********, and refused to disclose the purpose of the call unless identity was confirmed. The consumer also expressed discomfort with sharing personal information over the phone and raised concerns about the potential misuse of voice data in the context of AI technology.
  
  The consumers requested resolution was to receive no further contact from ***.
  
  *** initiated an investigation, including a review of account activity, correspondence history, credit reporting status, and the information provided in the complaint. We also contacted our client to obtain additional details as needed.
  
  Verizon Wireless placed the account with *** on April 3, 2025. *** sent a letter to the consumer at the address provided in the complaint. The letter included notice of the account placement and information regarding the right to dispute the debt or request additional information in accordance with the Fair Debt Collection Practices Act.
  
  *** also attempted to contact the consumer by phone. Our representatives are required to follow strict verification procedures before discussing any details of an account. These procedures involve confirming the identity of the person with whom we are speaking, which is necessary to safeguard consumer privacy and comply with federal and state regulations. *** did not demand personal information; our representative followed standard protocol and politely inquired whether we were speaking with the correct individual. Because the consumer declined to verify their identity during any interactions, our representatives were unable to disclose further details.
  
  This complaint is the first request that *** ***** contact with the consumer. In accordance with that request, *** has returned the account to the creditor and will not make any further attempts to contact the consumer regarding the account.
  
  *** apologizes for any inconvenience or misunderstanding. We believe this resolution satisfies the consumers request. Should you or the consumer have any additional questions or concerns regarding our investigation, we welcome further communication. Our contact information is below.
  
  Sincerely,
  ************
  *********************************************************************
  **************
  *******************************
  
  This communication is from a debt collector
  
  

  Customer Answer

  Date: 05/01/2025

  [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

  Date:04/02/2025

  Type:Service or Repair 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.

  Was a customer with ******* wireless for 25+ years. Was being solicited by ******** to change to there service. So I went to a T-Mobile store to hear what they offer. The offer was good, so on 10/20/2024 I went to ******* store to see if they could do any better since I was a long time customer. The sales *** at ******* could not do anything better on price or better phones. So I told *** to cancel all services with ******* Im switching to T-mobile. The sales *** told me all services were cancelled and gave me a paper to bring to T-Mobile to transfer the phone numbers. The T-Mobile *** transfer the numbers to T-Mobile. I thought everything was done at that point. The T-Mobile *** also told me that there would be 1 more bill from ******* because they bill in advance. So I expected and paid 1 more bill in the month of November 2024. My wife and I left the *** in late November 2024 for the *********** with a return date on March ******. In the month of December 2024 I received an email from ******* they they will be auto-charging my bank acct for the Dec. 2024 bill. I texted the customer service *** from the *********** and told the *** that all services were cancelled and I will stop payment from my bank acct. and try to resolve this when I get home in March. Since Ive been home, Ive been up to the corporate store twice. Ive called two different ***s to try and resolve this. The second *** gave me another phone number to call to resolve. When I called the first time the *** couldnt pull up my acct because I didnt have the 15 digit acct number. She told me to go up to ******* corporate store and they could retrieve my acct no. So today 3/31/25 I went to corporate store to get acct number. When I returned. I called the number back that I was giving from the ******* ***. ***** out it was a collection acct MRSBPO ************************ ********************. The persons name that I spoke with at MRSBPO was ***** ******/ Supervisor. Would not credit acct.

  Business Response

  Date: 04/11/2025

  BBB ID: #********
  *** Ref: LU7-10893919
  
  Dear ********* *.,
  
  ************ ***** received a copy of the complaint submitted to the Better Business Bureau of New Jersey (BBB). We appreciate the opportunity to respond.
  
  The complaint concerns an account placed with *** for collection by our client, ****************. *** does not own the account. Ownership remains with the creditor, and *** was acting solely as an authorized representative to collect the outstanding balance on their behalf.
  
  *** conducted an investigation, which included a review of account activity, correspondence sent to the consumer, credit reporting history, and the documentation provided with the complaint. *** also contacted the creditor to obtain additional information.
  
  Based on our review, the concerns raised in the complaint appear to be misdirected to ***. *** questions regarding account credits, billing disputes, or credit reporting should be directed to the creditor. *** is not the creditor, cannot issue credits, and did not report the account to the credit bureaus. *** also cannot alter or delete any tradeline reported by ******* or any other entity.
  
  Upon receipt of the complaint on April 2, 2025, *** requested documentation from the creditor to support the validity of the account. On April 8, 2025, the account was recalled by ******* and is no longer with ***.
  
  Since the account has been closed and returned to the creditor, we recommend the consumer contact ******* directly for any further questions, including those related to billing or credit reporting.
  
  Thank you for your attention to this matter. If there are any additional questions or concerns regarding this response, *** can be reached using the contact information below.
  
  Sincerely,
  ************
  *********************************************************************
  **************
  *******************************
  
  This communication is from a debt collector
  
  

  Customer Answer

  Date: 04/11/2025

  [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. Next time Mrs ***** ****** may want to do her due diligence before snapping with a quick judgement of monies owed. 
  
  Regards,
  
  ***** *********

• Initial Complaint

  Date:03/31/2025

  Type:Product 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.

  On Monday, March, 31, 2025, at 2:59pm CDT I received a phone call on my cell number from MRS *** asking for a specific person. Having received calls from this number previously, I know they are a debt collection agency, and I have previously asked not to be called - I've not had any debt for several decades and have NEVER not paid a bill. I notice I'm not alone in this complaint. Since I believe it violates federal rules to keep calling when I request not to be contacted, I don't understand how the BBB can give them a B+ rating. At best, they deserve a D-.

  Business Response

  Date: 04/07/2025

  BBB ID: ********
  *** Ref#: DU9-299379
  
  Dear ********* *.,
  
  ************ ***** has reviewed the complaint submitted to the Better Business Bureau of New Jersey (BBB) by the consumer. We appreciate the opportunity to address the concerns raised and provide clarification regarding our involvement.
  
  *** initiated an investigation into the phone number referenced in the complaint, including a review of all call activity, internal records, and the substance of the complaint.
  
  The phone number in question, **************, was provided to *** as a viable number to contact the intended individual. This consumer is not the person we are attempting to contact.  This is a matter of *** calling a wrong number.  
  
  *** made a total of six outbound calls to this number between January 27, 2025 and March 31, 2025. We did not receive any prior requestverbal or writtento cease calls before March 31, 2025.
  
  On March 31, 2025, the party advised our representative not to call the number again. Although the individual did not identify themselves, our representative was polite, promptly honored the request, and immediately removed the number from our system to prevent any future contact. This complaint was received after this call had already occurred.
  
  We understand it is possible that the consumer may have received calls from other companies and may have asked one or more of them to stop. However, the March 31, 2025 call was the first and only request *** received, and we complied without delay.
  
  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,
  ************
  *********************************************************************
  **************
  *******************************
  
  This communication is from a debt collector
  
  

• Initial Complaint

  Date:03/31/2025

  Type:Customer Service 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.

  Ive been making payments to the business and they updated their website. Because of the update I am no longer able to log in my account. Ive called the business by the number these have in their portal website and the man told me he couldnt find my account. I need help getting into my account to make payments. Their customer support were no help.

  Business Response

  Date: 04/03/2025

  BBB ID: #********
  *** Ref: LU5-990593
  
  Dear *********,
  
  ************ ***** 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 account associated with the consumer was previously placed with ************ for collection. The last payment received on the account was made on December 3, 2024. After two months of non-payment, the account was closed and returned to the creditor on February 8, 2025.
  
  As the account is no longer active with our office, the consumer will need to contact the original creditor directly for assistance with any payment inquiry or to re-establish payment arrangements. *** is unable to provide login access or account support for closed and returned accounts.
  
  Should you need any further information, please feel free to contact us.
  
  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,
  ************
  *********************************************************************
  **************
  *******************************
  
  This communication is from a debt collector
  
  

• Initial Complaint

  Date:03/13/2025

  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.

  the company MRS BPO LLC i have no idea how they obtained my information this debt does not belong to me , and is effecting me and my ability to care for my family.

  Business Response

  Date: 03/24/2025

  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. 
  
  The consumer states they have no idea how MRS obtained their information, that the debt does not belong to them, and is seeking a correction to a credit report.  
  
  The complaint included the consumer’s name, state and zip code, phone number, and email address.
  
  MRS has not been able to identify an account using the information provided.  We ask that the consumer provide a copy of what MRS reported on their credit report and any other information to identify the account at issue.
  
  The consumer may reply through the BBB or to MRS directly.  My contact information is below.
  
  Thank you for your courtesy ad consideration.
  
  Sincerely,
  MRS BPO, LLC
  **** ***** *** ****** ***** ** ***** ***** ******** ***********************
  
  This communication is from a debt collector
  
  
  

  Customer Answer

  Date: 03/25/2025

  
  Complaint: ********
  
  I am rejecting this response because: The collector is stating that they have no knowledge of actively trying to collect on this debt and that they cant find any history or collection under my name. however that is false i have

  ATTACHED! one of THE MANY collection letters they have sent to my residents. since they stated they have no knowledge of this debt i am asking this be removed from my CREDIT REPORTS IMMEDALITLY this is hindering me from getting credit. equifax, experian, transunion all need to be notified of this error or i will be forced to take legal action. thank you in advance for removing this from credit reports in advance
  
  
  
  Regards,
  
  ******* ***** 

  Business Response

  Date: 03/27/2025

  BBB ID: #********
  MRS Ref: *********
  
  
  The consumer states in their initial complaint that they have no idea how MRS obtained their information, that the debt does not belong to them, and is seeking a correction to a credit report.  
  
  MRS was not able to identify an account using the information provided with the complaint, and on March 24, 2025, via the BBB, asked that the consumer provide a copy of what MRS reported on their credit report and any other information to identify the account at issue.
  
  On March 27, 2025, the consumer provided a screenshot of a portion of a letter that MRS had to the consumer on September 1, 2023 regarding an account that had been placed with our office for collection.  That account had been placed with MRS on January 25, 2023 and MRS sent several letters to the consumer including a letter on September 1, 2023.  The account was returned to the creditor on January 24, 2024.  MRS has no record of any communication from the consumer while the account was with our office.
  
  The consumer’s desired resolution is a correction to a credit report.  MRS did not report this account to the credit bureaus at any time.  
  
  The complaint is regarding an account that was placed with MRS for collection from January 2023 through January 2024. MRS did not report the account to the credit bureaus as suggested in the complaint.  We believe the complaint was filed against the wrong company. We respectfully request this complaint be removed from our record.
  
  Thank you for your consideration.
  Sincerely,
  Mike P******
  Director of Litigation & Regulatory Management
  MRS BPO, LLC
  **** ***** *** ****** ***** ** ***** ***** ******** *********************** *********************
  
  

  Customer Answer

  Date: 04/02/2025

  
  Complaint: ********
  

  I am rejecting MRS BPO's response because: while they now claim they did not report this account to the credit bureaus, they did attempt to collect a debt from me that I do not owe, and that debt is now showing up on my credit report under **** ******* ****** ******
  On September 1, 2023, I received a letter from MRS BPO attempting to collect this debt, and I disputed it. While MRS BPO states they did not report to the credit bureaus, they also acknowledged that the account was returned to **** ******* ****** ***** on January 24, 2024, which confirms their active role in the handling of this account.

  This complaint was submitted in good faith based on:
  The collection attempts made by MRS BPO on a debt I do not owe
  The emotional and reputational damage caused by being contacted for a fraudulent debt
  And the fact that the same account is now being reported under the original creditor’s name
  MRS’s role as a debt collector makes them part of the harm done—even if they didn’t report directly. If their involvement caused or contributed to the re-reporting of the account under **** ******* *** they are not exempt from responsibility.
  I ask that this complaint remain on record to reflect my experience and request that MRS BPO formally confirm the account has been permanently closed, returned, and will not be reassigned or sold in the future.

  Regards,
  
  ******* *****

• Initial Complaint

  Date:03/10/2025

  Type:Delivery 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.

  Continuing to call my number on numerous occasions despite being explicitly asked/told to remove my number from their calling list. On top of that they are calling for someone who does not have attachment to this number anymore. Since they refuse to listen to me maybe they will listen to you if you listen to me.

  Business Response

  Date: 03/21/2025

  BBB ID: #********
  *** Ref: LU7-10709045
  
  Dear ********* *.,
  
  ************ ***** received a copy of the complaint submitted to the Better Business Bureau of New Jersey (BBB). We appreciate the opportunity to address the concerns raised in the complaint.
  
  The complaint concerns calls made to the consumer. The consumer provided their name, and the phone number at issue with the complaint.  
  
  The consumer alleges that *** continued to call their number despite instructing *** to remove their number from its calling list. The consumer states the calls are for someone who does not have an attachment to this number anymore. The consumer states that *** refuses to listen to them.
  
  The consumers desired resolution is no further contact by the business.
  
  *** conducted a thorough investigation of the complaint and reviewed all relevant account activity, call logs, and interactions with the consumer.
  
  The phone number at issue was provided to *** as a viable number to reach the intended party.  This consumer is not the person we were attempting to contact. This is simply a matter of a wrong number.
  
  On March 10, 2025, the consumer spoke with one of our representatives.  This was the first and only notice to *** that it was calling a wrong number.  The representative promptly marked the phone number to prevent further calls to that number.  *** has not and will not place any calls to the number at issue since then.  
  
  *** denies any suggestion that it continued to call the number at issue after being notified it is a wrong number, or that *** refused to listen to the consumer.  
  
  Thank you for your courtesy and cooperation. If you have any additional questions or concerns regarding our investigation, you can contact *** directly. Our contact information is below.
  
  Sincerely,
  ************
  *********************************************************************
  **************
  *******************************
  
  This communication is from a debt collector
  
  

• Initial Complaint

  Date:02/14/2025

  Type:Sales and Advertising 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.

  Some of my distant family members are being repeatedly harassed by a collections agency regarding myself. I asked if it was legal to do so, and if so to provide the email stating such. I called two different numbers with no help. The company Will not cooperate with my requests.

  Business Response

  Date: 02/27/2025

  BBB ID: ********
  *** Ref: LU5-1236498
  
  Dear ********* *.,
  
  ************ ***** received the complaint submitted to the Better Business Bureau of New Jersey (BBB) and has conducted an internal review to address the concerns raised. We appreciate the opportunity to clarify this matter.
  
  Recap of Complaint
   The complainant alleges that *** repeatedly harassed distant family members regarding the consumers account. The consumer states that they called *** and asked if it was legal to do so, and if so to provide an email stating such. The consumer asserts that *** would not cooperate with their request.
  
  Response
  *** has reviewed account activity, correspondenceincluding text messagesand recorded calls related to this matter.
  *** denies any harassment. We made attempts to contact the consumer through text messages sent to phone numbers we believed to be valid and associated with the consumer.
  These messages were addressed to the intended recipient using only their first name and included multiple ways to contact ***.
  *** did not receive any response to these text messages at any time.
  On February 14, 2025, the consumer contacted *** and inquired about the legality of contacting their family members. This call was the first indication that any messages were being sent to an incorrect number. *** did not receive any indication that a wrong number had been reached until this call. Had we been made aware earlier, *** would have taken the appropriate corrective action.
  Our representatives attempted to assist the consumer to the best of their ability. The consumer was informed that *** cannot provide legal advice.
  Upon learning that a wrong number was contacted, *** promptly marked the number to prevent further outreach.
  
  Thank you for your time and cooperation. If you or the consumer have any additional questions regarding this investigation, please feel free to reach out.
  
  Sincerely,
  ************
  *********************************************************************
  **************
  *******************************
  
  This communication is from a debt collector
  
  

  Customer Answer

  Date: 02/27/2025

  
  Complaint: 22942817
  
  I am rejecting this response because:
  
  I have received multiple texts from my family members, at least 5 separate people, about this matter. That is harassment after I've already responded early last year. 
  
  Regards,
  
  ***** *******

• Initial Complaint

  Date:02/06/2025

  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.

  This business used an auto dialer without consent to contact me and failed to disclose the business name during the conversation. The call was recorded, the agent admitted to using an auto dialer to contact my phone, claiming they have "state rights" to use an auto dialer, without confirming what state they were calling. I have no idea who this company is/was. They do not show up on my credit report so have no reason to contact me. This company needs to address their compliance with the *** Fair Debt collection practices.

  Business Response

  Date: 02/14/2025

  BBB ID: ********
  *** Ref: LU5-1138256
  
  Dear ********* *.,
  
  ************ ***** received a copy of the complaint submitted to the Better Business Bureau of New Jersey (BBB) and appreciates the opportunity to respond.
  
  *** is committed to maintaining compliance with all applicable laws and regulations. We take consumer concerns seriously and welcome the opportunity to address this matter.
  
  The complaint concerns calls made to the consumer. The consumer alleges that *** contacted them using an autodialer without consent and that during one of the calls, the agent admitted to using an autodialer, stating it was legal. The consumer further claims *** failed to disclose the company name during the conversation and asserted "state rights" to use an autodialer without confirming the state. The consumer states they do not know who *** is, as the company does not appear on their credit report, and requests no further contact.
  
  Investigation, Findings, and Actions Taken:
  *** conducted a thorough investigation of the complaint and reviewed all relevant account activity, call logs, and interactions with the consumer.
  
  What We Found:
  *** reviewed its records and verified that all calls to the consumer were manually initiated by a live representative. At no point were autodialers or automatic telephone dialing systems (ATDS) used to contact the consumer.
  
  During the call on February 6, 2025, the representative incorrectly stated that an autodialer was used. This statement was inaccurate and does not reflect ***s practices or procedures. Coaching and guidance have been provided to the representative to ensure future adherence to company protocols.
  
  *********** confirm that on February 6, 2025, the representative spoke with an individual who did not identify themselves as the intended party. As required by law, *** is only obligated to disclose its name to third parties if specifically requested. Since the called party did not ask for the company name, there was no obligation to proactively disclose it.
  
  Actions Taken:
  *** has honored the consumers request for no further contact and will not make additional attempts to reach them regarding this matter.
  
  Thank you for your courtesy and consideration. If you or the consumer have any additional questions or concerns regarding this matter, please feel free to contact us directly. Our contact information is below.
  
  Sincerely,
  ************
  *********************************************************************
  **************
  *******************************
  
  This communication is from a debt collector
  
  

  Customer Answer

  Date: 02/14/2025

  
  Complaint: 22908352
  
  I am rejecting this response because:
  The phone call was recorded on my end with admissions, Specifically stating the companys policy is to use auto dialers, asserting rights in the state to do so. Further actions will be taken with the *** in response to this matter and obvious misleading statements in the companys response.  A copy of the recording is available upon request. I cannot figure out how to upload it to this response. 
  
  
  Regards,
  
  ***** ********

• Initial Complaint

  Date:01/31/2025

  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.

  I received a letter from this company saying I owe money to another business. I have tried to pay the money but it has been impossible. When I call I wait for 20 minutes and then they disconnect my call. When I go online to pay, their payment process does not work. I have no other options.

  Business Response

  Date: 02/12/2025

  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 pertains to an account that our client, ***** ******* ****** ******, placed with MRS for collection. MRS does not own the account. The ownership of the account remains with the creditor, and MRS acted as an authorized representative to collect the outstanding balance on their behalf.
  
  The consumer states they received a letter from MRS saying they owe money to ***** ******* ****** ******.  A copy of the letter was included with the complaint.  The consumer tried to pay online, but the payment process does not work. When the consumer called MRS, after waiting for 20 minutes the call was disconnected. The consumer states they have no other options.
  
  The letter in question is dated January 17, 2023. As explained in the letter, the balance owed represents unpaid tolls, and, under Virginia law, the registered owner of the vehicle is responsible for payment of those tolls. The letter also advised that failure to resolve unpaid tolls could result in consequences, such as the Virginia Department of Motor Vehicles refusing to issue or renew the vehicle registration.
  
  The account in question was closed and returned to ***** ******* ****** ****** later in 2023. Once the account was returned, MRS no longer had access to manage or process payments for this account. As a result, the consumer was unable to pay via our website. Additionally, the phone number listed on the letter is no longer in use by MRS, which explains why the consumer could not reach a representative when calling on January 31, 2025.
  
  Since the account was closed and returned to ***** ******* ****** ****** in 2023, we recommend the consumer contact the creditor directly to address any remaining concerns with their account.
  
  Thank you for your courtesy and consideration. If you or the consumer have any additional questions or concerns regarding this matter, feel free to contact us directly. Our contact information is below.
  
  Sincerely,
  MRS BPO, LLC
  
  
  This communication is from a debt collector
  
  

  Customer Answer

  Date: 02/12/2025

  [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

  Date:01/31/2025

  Type:Customer Service 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.

  Why they report my credit late payment when im making payments weekly ? U will get *** for Credit damage

  Business Response

  Date: 02/03/2025

  BBB ID: #********
  *** Ref: LU7-10493893
  
  Dear ********* *.,
  
  ************ ***** received a copy of the complaint that the consumer submitted to the Better Business Bureau of New Jersey (BBB). *** has initiated an investigation in order to address the concerns. We welcome the opportunity to assist with this matter.
  
  There appears to be some confusion.  *** did not report this account to credit reporting agencies and has not reported any late payments for the consumers account. Based on our review, this complaint appears to be misattributed to ***. *** concerns regarding credit reporting should be directed to the creditor, as *** does not have control over how the account is reported.
  
  We respectfully request this complaint be removed from ***, or marked as information only.  
  
  Thank you for your courtesy and cooperation. If you have any additional questions or concerns regarding our investigation, you can contact *** directly. Our contact information is below.
  
  Sincerely,
  MRS BPO, L.L.C.
  **************************************************************************
  **************
  *******************************
  
  This communication is from a debt collector