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:04/15/2025

  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.

  I honestly dont get why DRS is reporting this debt under my name because I dont owe them anything. I never signed anything with them, and when I asked for a copy of the original application, they didnt even bother to provide it. Its frustrating because this is hurting my credit for no reason, and its just not fair. How can they just put something on my report without any proof?Account No: ************ Amount Disputed: $1439

  Business Response

  Date: 04/15/2025

  Hello,

   

  We are in receipt of this recent complaint. After further review, we do see that supporting documentation was requested and is currently in the process of being sent to you via mail.

   

  Once received, please review and contact our office at ************.

   

  Thank you,

   

  Debt Recovery Solutions, LLC

• Initial Complaint

  Date:04/14/2025

  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.

  DEBT RECOVERY SOLUTIONS LLC HAVE BEEN CALLING ME BACK TO BACK ON A DEBT THAT THEY CAN NOT COLLCT ON IN THE STATE OF ***** I HAVE RESEARCHED THIS COMPANY THRU **** CONSUMER ACCESS AND ***** IS NOT ON THE LIST TO COLLECT A DEBT FROM AND THEY PUT THIS ONTO MY CREDIT REPORT WHEN THEY ARE NOT LICENSED TO COLLECT I WILL ATTACH THE REPORT IN THIS COMPLAINT

  Business Response

  Date: 04/14/2025

  Hello,

  
  We are in receipt of this recent complaint. After further review, you do not have a contract with our office,however, you did have a contract with *********** PARTNERSHIP, who works directly with our client Recovery Exchange. Recovery Exchange hired our agency to work this account on their behalf, therefore, our office is handling this outstanding matter in your name.

  Please note, the state of Texas does not require a separate collection agency license, but rather a surety bond which we do have.

  
  Please contact our office at ************ to discuss this account further. Your account number is ********.
  
  Thank you,
  
  Debt Recovery Solutions, LLC

• Initial Complaint

  Date:04/14/2025

  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.

  Name: ***** **** ******** Address: ******************************************* Date of Birth: ********** Last 4 of SSN: **** To whom is May Concern,Collector Name: DEBT RECOVERY SOLUTIONS Address: ******************************************* This item was purchased by a Third Party Debt Collector. This account must be deleted as the status is not correct, the amount is not correct and the account was paid for less than owed by the Third Party Debt ************ you can see by my attached credit reports and highlighted issues. This information is NOT CORRECT & NOT ACCURATE. Therefore it must be DELETED **************** is the account name and number for reference and incorrect amount ******** much did the collection company pay for this item? I don't know and neither does my credit report reflect such amounts. This is a clear violation of the **** as this is not accurate or complete. DELETE THIS IMMEDIATELY!RE: Cease and Desist Collection Activities Account Number: **************** Dear: ****************** Subject: Request for Validation of Debt under the Fair Debt Collection Practices Act (FDCPA) regarding an alleged debt you claim I owe. Pursuant to my rights under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. 1692g, I am requesting that you provide validation of this debt. I do not acknowledge ownership. validate the debt, and you must cease collection efforts immediately. PLEASE READ ATTACHMENTS FOR COMPLETE VIEW. Sincerely, ***** **** ********

  Business Response

  Date: 04/14/2025

  Hello,

  
  We are in receipt of this recent complaint. After further review, you do not have a contract with our office,however, you did have a contract with ****************** ISSUED, who works directly with our client *******************. ************************;hired our agency to work this account on their behalf, therefore, our office is handling this outstanding matter in your name.
  
  Please contact our office at ************ to discuss this account further. Your account number is ********.
  
  Thank you,
  
  Debt Recovery Solutions, LLC

  
  

• Initial Complaint

  Date:04/14/2025

  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.

  I am submitting a formal complaint against Debt Recovery Solutions, LLC, a company that is attempting to collect a debt I do not recognize. Additionally, they have reported this alleged debt to all three major credit reporting agenciesExperian, *******, and ***************** significant harm to my credit ********** is important to note that Debt Recovery Solutions, LLC does not hold a valid license or authorization to conduct debt collection activities within the State of Illinois, which constitutes a clear violation of Illinois state laws governing debt collection practices.Therefore, I am requesting the immediate removal of all references to this debt from my credit reports. If this issue is not resolved promptly, I reserve the right to pursue all legal remedies available to me under both state and federal law, including but not limited to the Fair Debt Collection Practices Act (FDCPA).Thank you for your prompt attention to this matter. I kindly request to be kept informed of the outcome of this complaint.Sincerely,****** ******** ******

  Business Response

  Date: 04/14/2025

  Hello,

  
  We are in receipt of this recent complaint. After further review, you do not have a contract with our office,however, you did have a contract with ***************, who works directly with our client **********************. ********************** hired our agency to work this account on their behalf, therefore, our office is handling this outstanding matter in your name.

  We also see that we have attempted to contact you several times prior to placing this matter on your credit report. Since we did not hear back from you, we proceeded with the collection process which consists of credit reporting.
  
  Please contact our office at ************ to discuss this account further. Your account number is ********.
  
  Thank you,
  
  Debt Recovery Solutions, LLC

  Customer Answer

  Date: 04/14/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

  We have observed that your organization does not hold a valid license to engage in debt collection activities in the *****************.
  
   

   

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

  
  Sincerely,
  
  ****** ******** ******
  
  
  
  
   
  

  Business Response

  Date: 04/15/2025

  Hello,
  
  We are in receipt of this recent response. As we do have authorization to collect in the state of IL (License # **********, we encourage you to contact our office at ************ to discuss further.
  
  Thank you,
  
  Debt Recovery Solutions, LLC

  Customer Answer

  Date: 04/15/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because: 

  Please be advised that you will soon receive a letter from my attorney requesting verification of the debt, as well as formal documentation confirming your authorization to collect a debt in the State of *********
  
  
  Additionally, correspondence has already been sent to the three major credit bureaus to report violations regarding my rights as a consumer. A complaint will also be filed with the ************************************ (****) to bring attention to this matter.
  
  
  Thank you for your attention to this matter, and I urge you to comply fully with all applicable legal requirements.
  
  

  Sincerely,
  
  ****** ******** ******
  
  
  
   
  

• Initial Complaint

  Date:04/14/2025

  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.

  I honestly dont get why DRS is reporting this debt under my name because I dont owe them anything. I never signed anything with them, and when I asked for a copy of the original application, they didnt even bother to provide it. Its frustrating because this is hurting my credit for no reason, and its just not fair. How can they just put something on my report without any proof?Account No: ************ Amount Disputed: $452

  Business Response

  Date: 04/14/2025

  Hello,

   

  We are in receipt of this recent complaint. Please contact ********************** at ************ to discuss further.

   

  Thank you,

  
  Debt Recovery Solutions, LLC

• Initial Complaint

  Date:04/14/2025

  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.

  According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof, an original consumer contract with my signature on it, the assignment contract, and the purchase agreement that you have on file for the account listed. Per FCRA Section 605B it is illegal to report information on my credit report without my permission.Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the ****, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.Also, in accordance with the provisions of the Fair Debt Collection Practices Act (FDCPA), specifically 15 U.S.C. 1692c(c), if you are unable to validate the listed accounts, I am formally requesting that all collection activities and communication with me regarding the above-referenced account(s) cease immediately.Furthermore, I am requesting that you take the necessary steps to remove any and all references to this debt from my credit report. It is my understanding that, in accordance with the ****** once a consumer makes a written request to cease communication, debt collectors are required to cease reporting or contacting regarding that debt. I trust you will honor this request and take appropriate action to remove the collections account(s) from my credit report, as it no longer reflects any valid or current financial obligation.

  Business Response

  Date: 04/14/2025

  Hello,

   

  We are in receipt of this recent complaint. After further review, we do see that this is the first time you have requested validation of this matter. With that said, we will contact our client to retrieve supporting documentation to validate this matter. Once we receive, we will send to you for review.

   

  Thank you,

   

  Debt Recovery Solutions, LLC

• Initial Complaint

  Date:04/09/2025

  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.

  I seen they added a collection to my credit report. I'm assuming they are collecting for Plaza, I may have already sent a letter to them if so. Plaza lied, and broke both debt collecting laws, as well as federal lies trying to collect this false debt. They have not validated the debt, nor validated the amount of the debt, so therefore Plaza legally cannot collect. They have been given over a year to do so, and have not. I told them the debt was wrong, gave them time to correct it and they have not, I've told them I do not wish to be contacted, and they have continued to harass me. I already disputed the debt with the credit bureaus and got it taken off once. So if you are collecting for them, they legally cannot collect, which means they cannot have someone else collect, nor can they sell it to someone else. I have already contacted the Indiana Attorney General in regards to the illegal activities Plaza had done. I will not pay a ***** on this debt, and I've already have to fight others who have done this sort of thing, trying to scam me, and I won, so if you try to pursue, I will not budge and have all the proof and I will fight and make sure you do not get away with this. I do not owe you or Plaza $4066.00 and will not pay for something I do not owe. I will give you 30 days to delete this from my credit report and either send it back to Plaza, or delete it from your record, cause I've received no proof in over a year, it's done.

  Business Response

  Date: 04/09/2025

  Hello,

   

  We are in receipt of this recent complaint. After further review, it seems as though we have yet to speak with you since receiving this file on 3/11/2025, thus never receiving a request for validation of this debt.

   

  Please note that after much review, we will be closing this matter and returning it back to Plaza. Please allow ***** business days for our tradeline to be removed from your credit report.

   

  Thank you,

  Debt Recovery Solutions, LLC

• Initial Complaint

  Date:04/02/2025

  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.

  Debt Recovery Solutions (DRS-NY) has reported a debt from ********** to the credit bureaus without providing proof of validation. These debts were reported to all 3 credit bureaus in October 2024. I have no contract with ******, and they have failed to show they have legal authority to collect on this account. I have requested on multiple occasions for the debt to be verified and I have never received anything. I have disputed through credit bureaus on multiple occasions and was notified that the company verified the debt without ever providing me verification. Under FDCPA 809, a debt collector must provide a copy of the original signed contract, an itemized statement, and proof that they legally own or were assigned the debt. ****** has failed to provide this despite multiple disputes.I am demanding that ****** immediately provide full documentation, including the original contracts, all itemized charges, and proof of ownership related to the referenced account number. If they cannot provide this, they must delete from all credit bureaus. Failure to comply will result in escalation of complaint to regulatory offices.

  Business Response

  Date: 04/02/2025

  Hello,

   

  We are in receipt of this recent complaint. After further review, we do see that we sent you supporting documentation to validate this matter on 11/25/2024.

   

  If you did not receive this, we will request to have this resent to you.

   

  If you wish to discuss further, please contact our office at ************.

   

  Thank you,

   

  Debt Recovery Solutions, LLC

  Customer Answer

  Date: 04/03/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

  The business suggests that supporting validation documents were sent in November 2024. However, that information was never received. I am formally requesting that DRS-NY provide copies of those documents in addition to the following within 10 days:

   Full validation of this alleged debt, including a signed contract proving I agreed to this debt
   A detailed breakdown of charges and payment history, showing how the balance was calculated
   A complete chain of assignment, proving how DRS-NY legally obtained the right to collect this debt to include:
  

  1) All sale, transfer, or assignment agreements to DRS-NY
  2) The exact date and terms of each transfer and proof that proper documentation was included
  3) Evidence that DRS has the legal authority to collect in my state

  In accordance to FCRA statute, if you cannot provide the required documents, I demand that you immediately request removal of this account from all credit bureaus. 

  Sincerely,
  
  ******* *****
  
  
  
  
   
  

  Business Response

  Date: 04/03/2025

  Hello,

   

  We are in receipt of this recent response. Our office has emailed you the requested copies of what was previously sent, along with the cover letter from November. Please check your inbox for these materials.

   

  Thank you,

   

  Debt Recovery Solutions, LLC

  Customer Answer

  Date: 04/05/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

  Company has indicated that they are unable to provide all required information to properly validate debt, specifically the following:

  - Record of the means in which the original validation request was received as required by FDCPA and proof that this original information was mailed to the listed address as mandated by Sec 809 of FDCPA; and

  - The account statement at charge-off, or equivalent document, that the original creditor issued; and

  - The itemization date chose along with an itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date; and

  - A statement describing the debts complete chain of title from the original creditor to you, the present creditor, including the date of each assignment, sale and transfer as the documentation provided shows ******************* as the current creditor;

  This debt is deemed unverified and should be removed from all credit reporting due to noncompliance with the **** and the FTCPA. 

  Sincerely,
  
  ******* *****
  
  
  
  
   
  

• Initial Complaint

  Date:04/01/2025

  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.

  I honestly dont get why DRS is reporting this debt under my name because I dont owe them anything. I never signed anything with them, and when I asked for a copy of the original application, they didnt even bother to provide it. Its frustrating because this is hurting my credit for no reason, and its just not fair. How can they just put something on my report without any proof?Account No: ************* Amount Disputed: $456

  Business Response

  Date: 04/01/2025

  Hello,

   

  We are in receipt of this recent complaint. After further review, we were able to locate this matter in our office. Your DRS reference number is *********

   

  We will request supporting documentation from our client for you. Once we receive this, we will send this to you to review.

   

  Please contact our office at ************ to discuss further.

   

  Thank you,

  
  Debt Recovery Solutions, LLC

• Initial Complaint

  Date:04/01/2025

  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.

  I am writing in response to the letter I received from your company regarding an alleged debt. The letter, dated within the last 30 days, references an account with the number ************** and the amount owed.Under the Fair Debt Collection Practices Act (*****), a disputed debt cannot appear on my credit report unless it is supported by evidence (15 USC 1692g). Additionally, under 15 U.S. Code 1681b, consumer reports can only be used for permissible purposes.Request for Verification: I am requesting that you immediately delete this account from my records in compliance with 15 U.S. Code 1681e(b) and 15 U.S. Code 1681i(5). Please provide verification that I owe this debt, as required by federal and state laws (12 CFR Part 1006 / 15 U.S. Code 1692g). If necessary, please contact the creditor to obtain this verification.Cease Collection Efforts: In accordance with the ***** and the Fair Credit Reporting Act (FCRA), I am instructing you to cease collection efforts while verification is pending. You should not contact me or any third parties, including my employer, family, or friends, regarding this matter. Please ensure that all future correspondence is sent to me in writing.Reporting to **************** Until this matter is resolved, you must not report negative information about this debt to any credit reporting agency. If negative information has already been reported, please notify the credit bureau(s) to have it removed or updated to reflect my ************ Steps: Please inform me in writing of the following:Whether the creditor has failed to verify the debt, and the matter is closed.If the debt is confirmed, provide proof of my responsibility, including all relevant documents such as the application, bills, and payment records.Please do not contact me by phone at my home or work. Acknowledge receipt of this letter within 14 days.

  Business Response

  Date: 04/02/2025

  hello,

   

  We are in receipt of this recent complaint. After further review, we see that we have sent several notices attempting to contact and notify you of this matter before it got placed onto your credit report. The first communication sent was 1/10/2025. After a period of time, we did not hear back from you, and proceeded with the collection process which includes credit reporting.

   

  We encourage you contact our office at ************ to discuss your matter further. Your DRS reference number is *********

   

  Thank you,

   

  Debt Recovery Solutions, LLC