Complaints
This profile includes complaints for ConServe's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 107 total complaints in the last 3 years.
- 41 complaints closed in the last 12 months.
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Submit a ComplaintThe 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:03/07/2025
Type: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'm not liable for this debt with ****** **********, I do not have a contract with CONSERVE, they did not provide me with the original contract as requested.Customer Answer
Date: 03/10/2025
ID ********Hello BBB. I called conserve and asked to receive the original contract from ****** ********** when over the phone, and they told me they could not provide it. The debt is from fall 2021 at ****** **********, however I did not attend ****** ********** in the fall of 2021, I attended ***** ******** ***. I have proof of this via my transcript from ***** ******** ***.
Business Response
Date: 04/07/2025
The business has responded to the complaint however has requested that their response not be published.Customer Answer
Date: 04/07/2025
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:03/06/2025
Type: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 am not liable for this debt and I do not have a contract with CONSERVE plus they did not provide me with the original application like I asked. Account No: **** Amount Disputed: $5,670Business Response
Date: 03/18/2025
The business has responded to the complaint however has requested that their response not be published.Initial Complaint
Date:03/03/2025
Type: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 am not liable for this debt and I do not have a contract with CONSERVE plus they did not provide me with the original application like I asked. Account No: **** Amount Disputed: $81Business Response
Date: 03/18/2025
The business has responded to the complaint however has requested that their response not be published.Initial Complaint
Date:02/25/2025
Type: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.
02/25/2025 is the date this a has accured the amount is $3,294.96 Violation of Debt Collection Practices Act: CONSERVE. Engaged in unfair practices and harassment by reporting inaccurate debts and accounts without my consent, causing me distress and unnecessary contact from creditors. Violation of Identity Theft Laws: Creditors obtained my information without my true consent and used it to obtain credit from other financial institutions, constituting identity theft. Violation of Acquiring Location Information Regulations: Debt collectors contacted third-party credit reporting agencies with my information, stating that I owed a \"debt.\" This is a clear violation of regulations that prohibit disclosing debt information to third parties. Violation of Timely Payments Regulations: You reported \"late payments\" on my credit report without defining what constitutes a late payment, which is deceptive and inaccurate.Business Response
Date: 03/07/2025
The business has responded to the complaint however has requested that their response not be published.Initial Complaint
Date:02/11/2025
Type: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 am not liable for this debt and I do not have a contract with CONSERVE plus they did not provide me with the original application like I asked. Account No: **** Amount Disputed: $239Business Response
Date: 02/21/2025
The business has responded to the complaint however has requested that their response not be publishedInitial Complaint
Date:01/15/2025
Type: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 am not liable for this debt with CONSERVE, I do not have a contract with CONSERVE , they did not provide me with the original contract as I requestedBusiness Response
Date: 01/24/2025
The business has responded to the complaint however has requested that their response not be published.Customer Answer
Date: 01/24/2025
I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. I wasn’t sent any kind of letter and I don’t have a card with conserve so I shouldn’t have conserve on my credit report I didn’t open an account on October 24 2024 Regards, ***** ******Initial Complaint
Date:01/13/2025
Type: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’m not liable for this debt with **** ******* ****** *****, I do not have a contract with *********** ******* ***** ***. They did not provide me with the original contract as i requested.Customer Answer
Date: 01/16/2025
Here is a screen shot of me requesting in my dispute for original copies and proof of ownership to this account.Business Response
Date: 01/21/2025
The business has responded to the complaint however has requested that their response not be published.Customer Answer
Date: 01/22/2025
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:12/30/2024
Type: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 contacted Conserve on 12/27/24 to address concerns regarding the violation of my privacy rights and the New York Privacy Act. Specifically, they failed to safeguard my personal information, which was obtained by the ********** ** ******* ******* without my consent. This information, including my name, cell phone number, address, and Social Security number, was improperly disclosed to ********, *******, and **********. At no point did I authorize the disclosure of my personal information. Furthermore, I have informed them that I am not liable for the debt they are asserting, as I have no agreement or contract with Conserve. I am prepared to provide audio evidence to substantiate these interactions if needed.Business Response
Date: 01/07/2025
The business has responded to the complaint however has requested that their response not be published.Initial Complaint
Date:11/24/2024
Type: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 debt they say in there letter doesn't Give proof that I owe this from the state. I was homeless for 6 months, I had no money coming in and haven't been working for 3 years. I had no address to give to the Post office and no phone because it was to Far behind. I'm really angry with these debt hungry tarants.Business Response
Date: 11/27/2024
Dear Kevin: On November 25, 2024, ConServe received a complaint from your offices, on behalf of the Consumer identified in ID ******** (the “Consumer”). Therein, the Consumer states the letter received does not provide proof that this is owed. The Consumer requests an explanation of the charges. Please accept ConServe’s apologies for the Consumer’s concerns. Upon review, ConServe’s records reflect that the corresponding account was placed by or on behalf of the Creditor with ConServe on October 14, 2024. Following placement, ConServe’s records reflect that initial validation notice for the account was mailed to the address of record on October 25, 2024, without indication of return mail. The Consumer’s complaint is the first correspondence received by ConServe on behalf of the Consumer. In any event, the Consumer’s complaint has been submitted to the Creditor for further review and consideration, and based upon its contents, a full cease and desist has been noted by ConServe and the account has been returned by ConServe to the Creditor. As a result, for any further inquiries, the Consumer is advised to contact the Creditor directly. Should you have any questions regarding the foregoing, please do not hesitate to contact me at***** ********, extension **** or by email a* *************************** Thank you. Sincerely, ConServeInitial Complaint
Date:11/04/2024
Type: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.
It appears that you have turned this item on my credit report into charge off and send it to collection this account looks weird to me.The last date of activity,the date of last payment.Everything on this account is incorrect on my credit report can you please delete this item for my credit report because it is not accurate. Thank youBusiness Response
Date: 11/18/2024
The business has responded to the complaint however has requested that their response not be published.Customer Answer
Date: 11/19/2024
I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. This does not resolve my complaint because,it is not accurate and it’s not complete. It still appears on my credit report they turned this item on my credit report into a charge off but I never received the 1099 can they be so kind to send me 1099 for the actual item that is charged off due to my financial hardship please. Thank you! Regards, ******* ********Business Response
Date: 11/27/2024
The business has responded to the complaint however has requested that their response not be published.Customer Answer
Date: 11/27/2024
I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. The burden of proof falls on the collection agency not the consumer(******* ********).I find it concerning that Conserve is not complying with legal requests.I request Conserve agency provide proof they sent debt validation,as is my legal right.If Conserve cannot provide proof,I demand this account charge off be removed from my credit report as is my right per FCRA section 623.(a) (i).This is my last request before I file a formal complaint with the CFPB and the FTC. Regards, ******* ********
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