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:10/05/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with *** ******************* I do not have a contract with Credence Resource Management, they did not provide me with the original contract as I requested.

  Customer Answer

  Date: 10/07/2024

  I havent received any documents, texts or emails from Credence Resource Management LLC. This information is invalid on my consumer report. Im unaware of this debt & why its even on my credit report. The debt doesnt belong to me, it belongs to the debt collector according to the Fair Debt Collection Practices Act (FDCPA).

  Business Response

  Date: 10/18/2024

  CRM REFERENCE NUMBER: 275830553;
  CREDITOR NAME: *** Communications, Inc.;
  CREDITOR ACCOUNT NUMBER: *********;
  
  **********************, LLC (CRM) has received your October 7, 2024, complaint filed with the Better Business Bureau and understands that you state that you are not liable for this debt with *** Communications. You state that you do not have a contract with ***. You state that *** did not provide you with the original contract as requested. Based upon our research CRMs findings are as follows:
  CRM has reviewed your correspondence and would like to appraise you that *** is a collection agency working on behalf of *** ********************, and is not the original creditor.
  On March 23, 2024, *** ********************, placed the above referenced account with CRM for collection in the amount of $818.42.
  On March 26, 2024, CRM emailed you the validation notice advising you of your right to dispute or request validation of the debt within ************************************************************************************************************** requesting validation during the 30-day period.
  On May 11, 2024, the account was credit reported to Equifax, Experian & Transunion in compliance with Fair Credit Reporting Act (FCRA).
  On October 5, 2024, CRM was notified about dispute through *****The account was placed in a dispute status. *** updated the tradeline to reflect as disputed.
  On October 7, 2024, *** was notified about dispute through BBB complaint. The account remained in a dispute status. *** notified the creditor about the same. As per the creditor The complaint has been reviewed.  The last payment received was on 8/12/22 for $10.00. The account was nonpaid completed on 10/03/22. The charges of $818.42 are valid.
  Enclosed is the copy of validation obtained from the original creditor.
  You may contact CRM at ************ for any further questions
  *CRM COMPLIANCE DEPARTMENT *
  *THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

• Initial Complaint

  Date:10/04/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company is reporting a debt on my credit report without taking the proper steps to do so. I never received validation on this account because no documentation on this account was ever given to me to do so. If this is in fact inaccurate, please provide me proof of certified mail receipt that the ******* letter was in fact delivered to my address.Furthermore, please provide a copy of the bill of sale or purchase agreement that you have on this account, which i believe you cannot provide. all of this leads me to belive you are furnishing this account on my credit report under false pretenses. I also authorize Credence Resource Managment to communicate with me via the BBB Portal

  Business Response

  Date: 10/25/2024

  CRM REFERENCE NUMBER: 276776308;
  CREDITOR NAME:AT&T Uverse;
  CREDITOR ACCOUNT NUMBER: *********;
  
  **********************, LLC (CRM) has received your October 7, 2024, complaint filed with the Better Business Bureau and understands that you state that *** has reported your credit. You state that you did not receive the validation for the *********** state that you need a proof of the certified mail of the ******* letter being delivered to you at your mailing address. Based upon our research CRMs findings are as follows:
  *** is a collection agency working on behalf of AT&T Uverse, and is not the original creditor.
  On May 30, 2024,AT&T Uverse, placed the above referenced account with CRM for collection in the amount of $52.62.
  On May 31, 2024, CRM emailed you the validation notice advising you of your right to dispute or request validation of debt within 30 days. *** has no record of that letter being returned undelivered and no record of you disputing the debt or requesting validation during the 30 day period.
  On July 20, 2024, the account was credit reported to Transunion and Experian in Compliance with the Fair Credit Reporting Act (FCRA)
  On September 5, 2024,CRM received correspondence from you.
  On September 13, 2024,CRM mailed you the copy of the validation obtained from the original creditor.
  On October 7, CRM was notified about dispute through BBB. The account was placed on restricted status. *** updated the tradeline to reflect as dispute. *** notified the creditor about the dispute. As per the creditor, Customer was last current Aug 2022, No payments Sept-Oct 2022. Charges on the account are for ***************** Per CRM customer called in on 09/20/2022 to cancel service and service fully ceased on 09/20/2022. Balance sustained. The account currently remains in restricted status.
  
  You may contact CRM at ************ for any further questions.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

• Initial Complaint

  Date:10/04/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with CREDENCE RESOURCE MANAGEMENT. I do not have a contract with CREDENCE RESOURCE MANAGEMENT and they did not provide me with the original contract as requested.

  Customer Answer

  Date: 10/07/2024

  There was a letter sent out months ago and there was no response 

  Business Response

  Date: 10/23/2024

  CRM REFERENCE NUMBER: 351484850;
  CREDITOR NAME: *****************;
  CREDITOR ACCOUNT NUMBER: *********;
  
  **********************, LLC (CRM) has received your October 7, 2024, complaint filed with the Better Business Bureau and understands that you state that you are not liable for this debt with CRM. You state that you do not have a contract with ***. You state that *** did not provide you with the original contract as requested. Based upon our research CRMs findings are as follows:
  CRM has reviewed your correspondence and would like to appraise you that *** is a collection agency working on behalf of *****************, and is not the original creditor.
  On July *******, *****************, placed the above referenced account with CRM for collection in the amount of $290.03.
  On July 24, 2024, CRM mailed you the validation notice advising you of your right to dispute or request validation of the debt within ************************************************************************************************************** requesting validation during the 30-day period.
  On September 21, 2024, the account was credit reported to Transunion and Experian in compliance with Fair Credit Reporting Act (FCRA).
  On October 4, 2024, CRM was notified about dispute through ****. The account was placed in dispute status. *** updated the tradeline to reflect as disputed. *** notified the creditor about the same. As per the creditor Account start date -07/14/2023, Account End Date -11/30/2023, Cancelation Reason -nonpayment. Account activated as individual regular postpaid account with billing person name TYREQ *****. Last payment date -07/17/2023. Last payment amount ******. Breakdown of Balance -Current Account Balance $290.03, Statement Date -08/15/2023 to 01/15/2024, Charges -service$214.67,late fee$49.79, assurant$25.57, OCA Fee NA, Debt validation -Service charges are valid for service rendered. Assurant charges are valid for insurance warranty and mobile security. Late fee is valid for late payment.
  On October 7, 2024, *** was notified about dispute through BBB complaint. The account remained in dispute status.
  On October 10, 2024, *** was notified about fraud through ****. The account was placed in fraud status.
  On October 11, 2024, CRM mailed you the fraud packet.
  Enclosed is the copy of validation received from the creditor.
  For fraud related issues you can login to ****************************************************************************** and complete the fraud procedure. You must complete the fraud procedure for the creditor to investigate your claim. Failure to do so may result in the creditor continuing to pursue collection of the account.
  You may contact CRM at ************ for any further questions.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

• Initial Complaint

  Date:10/04/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company was placed on my credit report on 7-22-24 for ******.I do not know what this company is, have never received anything from them by mail, I do not have any unpaid charges from this company, and want this removed from my credit report. This company is based in ****** and I have never lived in ****** nor done any business in ******.

  Business Response

  Date: 10/25/2024

  Credence Resource Management, LLC (CRM) has received your complaint filed with the Better Business Bureau. While we understand the issue raised by you, please note that we are currently investigating your claim. Please be rest assured we will submit a response to the complaint shortly. Thank you for your co-operation and patience relating to this matter.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

  Customer Answer

  Date: 10/28/2024

  I am rejecting this response because:   I do not  know what this company is nor have I ever done business with this company. I want this company removed from my credit report.

  Business Response

  Date: 10/28/2024

  CRM REFERENCE NUMBER: 351448500;
  CREDITOR NAME: T-Mobile US, Inc.;
  CREDITOR ACCOUNT NUMBER: *********;
  
  **********************, LLC (CRM) has received your October 7, 2024, complaint filed with the Better Business Bureau and understands that you state that CRM was placed on your credit report on July 22, 2024, for $256. You state that you dont know what company *** is. You state that you have never received anything from *** on mail. You state that you do not have any unpaid charges from ******* state that you want CRM to be removed from your credit report. You state that *** is based in ******, you state that you have never lived in ****** nor done any business in ******. Based upon our research CRMs findings are as follows:
  CRM has reviewed your correspondence and would like to appraise you that *** is a collection agency working on behalf of *****************, and is not the original creditor.
  On July *******, *****************, placed the above referenced account with CRM for collection in the amount of $256.10.
  On July 15, 2024, CRM emailed you the validation notice advising you of your right to dispute or request validation of the debt within ************************************************************************************************************** requesting validation during the 30-day period.
  On September 21, 2024, the account was credit reported to Transunion and Experian in compliance with Fair Credit Reporting Act (FCRA).
  On October 7, 2024, CRM was notified about dispute through BBB complaint. The account was placed in dispute status. *** updated the tradeline to reflect as disputed. *** notified the creditor about the same. As per the creditor Account start date  02/06/2021, Account End Date - 11/06/2023,Bill cycle date  06 , account type is  Individual-Regular as postpaid activated and BRP's name is ******* ******. Last payment on 09/10/2023 of $172.09 which was posted against past due balances, still account left with remaining balance is valid. Breakdown of Balance - Current Account Balance - $256.10, Statement Date - 09/06/2023 to 01/06/2024, ***************** ****** , late fee 4.32, OCA Fee - *****, Debt validation - Service charges are valid for service rendered.  Late fee is incurred for late payments.
  Enclosed is the copy of validation received from the original creditor.
  You may contact CRM at ************ for any further questions.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

  Customer Answer

  Date: 10/29/2024

  I am rejecting this response because:   I did not receive debt validation notice. I did not do business with this company and did not give them permission to access any T-Mobile data and want them removed from my credit. 

  Business Response

  Date: 01/29/2025

  Credence Resource Management, LLC (CRM) has received your complaint filed with the Better Business Bureau and understands that you state that you are rejecting CRMs response. You state that you are rejecting this response because you state that you did not receive the debt validation notice. You state that you did not do business with ***. You state that you did not give *** permission to access any T-Mobile data. You state that *** to remove this from your credit. Based upon our research CRMs findings are as follows:
  
  On July 12, 2024, *****************,placed the above referenced account with CRM for collection in the amount of $256.10.
  On July 15, 2024, CRM emailed you the validation notice advising you of your right to dispute or request validation of the debt within 30 days. *** has no record of that letter being returned undelivered and no record of you disputing the debt or requesting validation during the 30-day period.
  On September 21, 2024,the account was credit reported to ********** and Experian in compliance with Fair Credit Reporting Act (FCRA).
  On October 7, 2024, CRM was notified about dispute through BBB complaint. The account was placed in dispute status. *** updated the tradeline to reflect as disputed. *** notified the creditor about the same. As per the creditor Account start date 02/06/2021, Account End Date - 11/06/2023, Bill cycle date  06 , account type is  Individual-Regular as post-paid activated and BRP's name is ******* ******. Last payment on 09/10/2023 of $172.09 which was posted against past due balances, still account left with remaining balance is valid. Breakdown of Balance - Current Account Balance - $256.10, Statement Date - 09/06/2023 to 01/06/2024, ***************** ******, late fee 4.32, OCA Fee ******, Debt validation - Service charges are valid for service rendered.  Late fee is incurred for late payments.
  On November 7, 2024, CRM was notified about dispute through ****. The account remained on dispute status.
  Enclosed is the copy of validation notice received from the original creditor which was sent to you on July 15, 2024.
  
  You may contact CRM at ************ for any further questions.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

  Customer Answer

  Date: 01/29/2025

  I am rejecting this response because:   I have never signed a contract with this company for any services. If this is not removed I will seek legal action. 

  Business Response

  Date: 02/07/2025

  Credence Resource Management, LLC (CRM) has received your complaint filed with the Better Business Bureau and understands that you state that you are rejecting CRMs response. You state that you are rejecting this response because you state that you have never signed a contract with *** for any services. You state that if this is not removed you state that you will seek legal action. Based upon our research CRMs findings are as follows:
  
  On July 12, 2024, *****************,placed the above referenced account with CRM for collection in the amount of $256.10.
  On July 15, 2024, CRM emailed you the validation notice advising you of your right to dispute or request validation of the debt within 30 days. *** has no record of that letter being returned undelivered and no record of you disputing the debt or requesting validation during the 30-day period.
  On September 21, 2024,the account was credit reported to ********** and Experian in compliance with Fair Credit Reporting Act (FCRA).
  On October 7, 2024, CRM was notified about dispute through BBB complaint. The account was placed in dispute status. *** updated the tradeline to reflect as disputed. *** notified the creditor about the same. As per the creditor Account start date 02/06/2021, Account End Date - 11/06/2023, Bill cycle date 06, account type is Individual-Regular as post-paid activated and BRP's name is ******* ******. Last payment on 09/10/2023 of $172.09 which was posted against past due balances, still account left with remaining balance is valid. Breakdown of Balance - Current Account Balance - $256.10, Statement Date - 09/06/2023 to 01/06/2024, ***************** ******, late fee 4.32, OCA Fee ******, Debt validation - Service charges are valid for service rendered.  Late fee is incurred for late payments.
  On November 7, 2024, CRM was notified about dispute through ****. The account remained on dispute status.
  On February 7, 2025, *** was notified about fraud through BBB rejection complaint. The account was placed on fraud status.
  For fraud related issues you can login to ********************************************************************************* complete the fraud procedure. You must complete the fraud procedure for the creditor to investigate your claim. Failure to do so may result in the creditor continuing to pursue collection of the account.
  
  CRM requested its entry be removed from Experian and Transunion. CRM cannot affect a change in whether the creditor or another entity has or will later report the account on your credit report. CRM also cannot affect a change as to when the credit bureau processes the deletion request CRM submitted relating to the account. *** has no control over whether the creditor places the account with another collection agency for continued collection.
  
  You may contact CRM at ************ for any further questions.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

• Initial Complaint

  Date:10/04/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with Credence Resource Management, I do not have a contract with, Credence Resource Management, they did not provide me with the original contract as i requested

  Customer Answer

  Date: 10/07/2024

  There is no emails or any information on said account. There was never an agreement with me and said company. I demand that this be removed from my credit report.

  Business Response

  Date: 10/18/2024

  Credence Resource Management, LLC (CRM) has received your complaint filed with the Better Business Bureau. While we understand the issue raised by you, please note that we are currently investigating your claim. Please be rest assured we will submit a response to the complaint shortly. Thank you for your co-operation and patience relating to this matter.

  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

  Business Response

  Date: 10/28/2024

  CRM REFERENCE NUMBER: 277672453;
  CREDITOR NAME: AT&T Mobility;
  CREDITOR ACCOUNT NUMBER: ************;
  
  **********************, LLC (CRM) has received your October 7, 2024, complaint filed with the Better Business Bureau and understands that you state that you are not liable for this debt with CRM. You state that you do not have a contract with ***. You state that *** did not provide you with the original contract as you requested. Based upon our research CRMs findings are as follows:
  CRM has reviewed your correspondence and would like to appraise you that *** is a collection agency working on behalf of AT&T Mobility, and is not the original creditor.
  On August 10, 2024, AT&T Mobility, placed the above referenced account with CRM for collection in the amount of $629.01.
  On August 23, 2024, CRM emailed you the validation notice advising you of your right to dispute or request validation of the debt within ************************************************************************************************************** requesting validation during the 30-day period.
  On September 28, 2024, the account was credit reported to Experian and on September 29, 2024, the account was credit reported to ********** in compliance with Fair Credit Reporting Act (FCRA).
  On October 4, 2024, *** was notified about dispute through *****The account was placed in dispute status. *** updated the tradeline to reflect as disputed. *** notified creditor about the same. As per the creditor Working ***** DOC Worklist. *** requesting PDF contracts for written-off account [************].
  On October 7, 2024, *** was notified about dispute through a BBB complaint. The account remained in dispute status.
  On October 11, 2024, CRM mailed you the itemized statement and the contract copy.
  Enclosed is the copy of validation received from the creditor.
  You may contact CRM at ************ for any further questions.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

• Initial Complaint

  Date:10/03/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This is a creditor who reported to my credit bureau that I owe money. The company has not once contacted me. I have never heard of them. I looked them up and immediately noticed the low ratings and complaints of others with the same issue. Im concerned it is a scam. I never opened a account in Jan. I need to know who I supposed owe, why and every single detail inbetween. If I can not confirm ownership or details are not provided to prove MY ownership, I am asking for them to pull the negative wrongful report on my credit.

  Business Response

  Date: 10/18/2024

  CRM REFERENCE NUMBER: 277421420;
  CREDITOR NAME:AT&T UVERSE;
  CREDITOR ACCOUNT NUMBER: *********;
  
  **********************, LLC (CRM) has received your October 7, 2024, complaint filed with the Better Business Bureau and understands that you state that *** has reported your credit. You state that *** has not contacted you. You state that you have never heard about CRM. You state that you never opened an account in *********** state that you need to know who and why you owe. You state that the credit report to be rectified if it is not validated. Based upon our research CRMs findings are as follows:
  *** is a collection agency working on behalf of AT&T Uverse, and *** is not the original creditor.
  On July 22, 2024,AT&T Uverse, placed the above referenced account with CRM for collection in the amount of $295.90.
  On July 23, 2024, CRM emailed you the validation notice advising you of your right to dispute or request validation of the debt within 30 days. *** has no record of that letter being returned as undelivered and no record of the debt being disputed or a validation being requested during the 30-day period.
  As per the records, on July 25, 2024, *** was able to establish a contact with you, upon which you notified *** about the dispute. The account was placed on dispute status.
  On September 21, 2024,the account was credit reported to ********** and to Experian as disputed in compliance with the Fair Credit Reporting Act (FCRA).
  On October 7, 2024,CRM was notified about dispute through BBB complaint. The account was placed in restricted status. *** notified the same to the creditor and is awaiting a response. The account currently remains in a restricted status.
  CRM placed a request with the creditor, upon receipt CRM will mail you the copy of validation obtained from the original creditor.
  You may contact CRM at ************ for any further questions.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

• Initial Complaint

  Date:10/03/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was contacted by this collection agency for a debt that may or may not incurred in 2012. I asked the agency for a debt validation letter to be sent to me. I spoke to someone named ********* that seemed quite bothered I was asking for this information. First she stated that the info would be sent to me in a week then changed it to she was not sure when the information would be sent to me which is unacceptable. If this collection agency in fact has the debt then they should have the information to be sent to me as required by law. They are constantly selling this debt to various agencies making it difficult to settle as this is supposedly from 2012.

  Customer Answer

  Date: 10/07/2024

  I spoke to Credence Resource Management many times asking for a debt validation letter. I have yet to receive the documentation, first they said 30days to receive the information, then it was changed to they don't know how long it will take for me to receive the documentation. Which by law they have to provide the information. This collection agency has many complaints for the same reason, the consumer asks for the debt validation information and none is provided. Also upon speaking to representative she told me this account was opened 12 years ago, I would like the information requested to prove this debt is legitimate.

  Business Response

  Date: 10/18/2024

  Credence Resource Management, LLC (CRM) has received your complaint filed with the Better Business Bureau. While we understand the issue raised by you, please note that we are currently investigating your claim. Please be rest assured we will submit a response to the complaint shortly. Thank you for your co-operation and patience relating to this matter.
  

  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

  Customer Answer

  Date: 10/18/2024

  I am rejecting this response because:   I have asked for the necessary paperwork to validate the debt. Was told by a representative that they may or may not be able to get the requested paperwork, they have only been able to furnish a bill. I want the original paperwork/ contract with my signature and any payments that were made on the said account. ******************************************* is the collection agency for the debtor so I'm not sure why this information isn't readily accessible to me. I need proof that this is an account I in fact incurred.

  Business Response

  Date: 10/25/2024

  Credence Resource Management, LLC (CRM) has received your complaint filed with the Better Business Bureau. While we understand the issue raised by you, please note that we are currently investigating your claim. Please be rest assured we will submit a response to the complaint shortly. Thank you for your co-operation and patience relating to this matter.
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

  Business Response

  Date: 10/29/2024

  Credence Resource Management, LLC (CRM)has received your complaint filed with the Better Business Bureau and understands that you state that you are rejecting CRMs response. You stated that you were contacted by *** for a debt that may or may not incurred in ******** state that you asked *** for a debt validation letter to be sent to you.  You state that you spoke to someone named ********* that seemed quite bothered when you were asking for this *************** state that *** collection agency in fact has the debt then *** should have the information to be sent to you as required by law. You state that *** is constantly selling this debt to various agencies making it difficult to settle as this is supposedly from 2012. Based upon our research CRMs findings are as follows:
  

  *** is a collection agency working on behalf of AT&**********; and is not the original creditor.
  Enclosed is the copy of validation obtained from the original creditor which was mailed to you on October 4, 2024 and October 11, 2024. The password for the attached document is your first name in lower case.
  Enclosed is the copy of contract obtained from the original creditor which was mailed to you on October *******. The password for the attached document is your first name in lower case.
  Enclosed is the copy of validation obtained from the original creditor which was emailed to you on October *******. The password for the attached document is your first name in lower case.
  Enclosed is the copy of validation obtained from the original creditor which was emailed to you on October *******. The password for the attached document is your first name in lower case.
  On October 29, 2024, the creditor recalled the account. *** closed the account and returned it to the original creditor.
  CRM requested its entry be removed from Transunion and Experian. CRM cannot affect a change in whether the creditor or another entity has or will later report the account on your credit report. CRM also cannot affect a change as to when the credit bureau processes the deletion request CRM submitted relating to the account. *** has no control over whether the creditor places the account with another collection agency for continued collection.
  You may contact the creditor directly for any further queries
  
  *CRM COMPLIANCE DEPARTMENT *
  *THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

  Business Response

  Date: 10/29/2024

  Credence Resource Management, LLC (CRM)has received your complaint filed with the Better Business Bureau and understands that you state that you are rejecting CRMs response. You stated that you were contacted by *** for a debt that may or may not incurred in ******** state that you asked *** for a debt validation letter to be sent to you.  You state that you spoke to someone named ********* that seemed quite bothered when you were asking for this *************** state that *** collection agency in fact has the debt then *** should have the information to be sent to you as required by law. You state that *** is constantly selling this debt to various agencies making it difficult to settle as this is supposedly from 2012. Based upon our research CRMs findings are as follows:
  

  *** is a collection agency working on behalf of AT&**********; and is not the original creditor.
  Enclosed is the copy of validation obtained from the original creditor which was mailed to you on October 4, 2024 and October 11, 2024. The password for the attached document is your first name in lower case.
  Enclosed is the copy of contract obtained from the original creditor which was mailed to you on October *******. The password for the attached document is your first name in lower case.
  Enclosed is the copy of validation obtained from the original creditor which was emailed to you on October *******. The password for the attached document is your first name in lower case.
  Enclosed is the copy of validation obtained from the original creditor which was emailed to you on October *******. The password for the attached document is your first name in lower case.
  On October 29, 2024, the creditor recalled the account. *** closed the account and returned it to the original creditor.
  CRM requested its entry be removed from Transunion and Experian. CRM cannot affect a change in whether the creditor or another entity has or will later report the account on your credit report. CRM also cannot affect a change as to when the credit bureau processes the deletion request CRM submitted relating to the account. *** has no control over whether the creditor places the account with another collection agency for continued collection.
  
  You may contact the creditor directly for any further queries
  
  *CRM COMPLIANCE DEPARTMENT *
  *THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

• Initial Complaint

  Date:10/03/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  credence resource managment are frauds. i dont owe anything. never recived any mail about this or calls for $300 dollars. tell i saw it on my derogatory marks on my credit report. i still have no clue what its for but i know i dont owe it. their reviews have over 400 reviews as frauds. im reporting them in for fraud.

  Business Response

  Date: 10/25/2024

  Credence Resource Management, LLC (CRM) has received your complaint filed with the Better Business Bureau. While we understand the issue raised by you, please note that we are currently investigating your claim. Please be rest assured we will submit a response to the complaint shortly. Thank you for your co-operation and patience relating to this matter.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

  Business Response

  Date: 10/28/2024

  CRM REFERENCE NUMBER: 350737411;
  CREDITOR NAME: *****************;
  CREDITOR ACCOUNT NUMBER: *********;
  
  **********************, LLC (CRM) has received your October 7, 2024, complaint filed with the Better Business Bureau and understands that you state that CRM is fraud. You state that you dont owe anything. You state that you never received any mail about this debt or calls for $300. You state that you saw derogatory marks on your credit report. You state that you have no clue what its for. You state that you know you dont owe it. You state that *** reviews have over 400 reviews as frauds. You state that you are reporting them in for fraud.Based upon our research CRMs findings are as follows:
  CRM has reviewed your correspondence and would like to appraise you that *** is a collection agency working on behalf of *****************, and is not the original creditor.
  On February 1, 2024, *****************, placed the above referenced account with CRM for collection in the amount of $311.69.
  On September 10, 2024, CRM mailed you the validation notice advising you of your right to dispute or request validation of the debt within 30 days. *** has no record of that letter being returned undelivered and no record of you disputing the debt or requesting validation during the 30-day period.
  On September 28, 2024, the account was credit reported to Experian and Transunion in compliance with Fair Credit Reporting Act (FCRA).
  On October 4, 2024, CRM was notified about dispute through *****The account was placed in dispute status.
  On October 7, 2024, *** was notified about dispute through BBB complaint. The account was placed in dispute status. *** updated the tradeline to reflect as disputed. *** notified the creditor about the same. As per the creditor Account start date  01/19/2021, Account End Date - 11/29/2021,Bill cycle date  20, account type is  Individual-Regular as postpaid activated and BRP's name is ******* ****. Found usage till bill date 12.20.2021. Last payment on 08/13/2021 of $133.39 which was posted against past due balances, still account left with remaining balance is valid. Breakdown of Balance - Current Account Balance - $311.69, Statement Date - 08/20/2021 to 12/20/2021, **************** ****** , late fee ***** , equipment 90, OCA Fee - ***** , Debt validation - Service charges are valid for service rendered. Equipment charge is valid for pending equipment due. Late fee is incurred for late payments.
  Enclosed is the copy of validation received from the original creditor.
  You may contact CRM at ************ for any further questions.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

• Initial Complaint

  Date:10/03/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I dispute the validity of this debt as I do not have any contractual agreement with Credence Resource Management. Additionally, despite my request made via mail on 09/06/2024, they have not provided the original contract. I have attached proof of my correspondence with the company regarding this matter.

  Business Response

  Date: 10/15/2024

  CRM REFERENCE NUMBER: *********;
  CREDITOR NAME: ***************
  CREDITOR ACCOUNT NUMBER: **********;
  
  **********************, LLC (CRM) has received your October 3, 2024, complaint filed with the Better Business Bureau and understands that you state that you dispute the validity of debt. You state that you do not have any contractual agreement with ***. You state that despite your request made via mail on 09/06/2024, *** did not provide you the original contract as requested. Based upon our research CRMs findings are as follows:
  
  CRM is a collection agency working on behalf of **************, and is not the original creditor.
  On February 14, 2024,Xfinity Mobile, placed the above referenced account with CRM for collection in the amount of $299.24.
  
  On February 15, 2024,CRM mailed you the validation notice advising you of your right to dispute or request validation of the debt within 30 days.
  
  On March 31, 2024, the account was credit reported to ********** and on April 6, 2024, the account was credit reported to Experian in compliance with the Fair Credit Reporting Act (FCRA).
  
  On September 11, 2024, CRM was notified about dispute through correspondence. The account was placed in a restricted status. *** updated the tradeline to reflect as disputed. *** notified the creditor about the same.
  
  On September 30, 2024,the credit adjustment received from the creditor on September 26, 2024, in the amount of $299.24 was applied to your account and the updated balance was zero.
  
  On October 2, 2024, the creditor recalled the account. *** closed the account as credited in full and returned it to the original creditor.
  
  On October 3, 2024, *** was notified about dispute through BBB complaint. On October 7, 2024, CRM mailed you the account credited in full letter.
  CRM requested its entry be removed from Experian and Transunion.CRM cannot affect a change in whether the creditor or another entity has or will later report the account on your credit report. CRM also cannot affect a change as to when the credit bureau processes the deletion request CRM submitted relating to the account. *** has no control over whether the creditor places the account with another collection agency for continued collection.
  
  You may contact the creditor directly for any further queries.
  
  *CRM COMPLIANCE DEPARTMENT*
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

• Initial Complaint

  Date:10/02/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  According to 15 U.S.C 1681s-2(a)(1)(A) and (B)to report inaccurate informationPlease DELETE this information from my credit report, pursuant to section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, and send the required notifications to all furnishers of this information.Section FCRA 611(a)(6)(B)(iii) and (7) of the Fair Credit Reporting Act, 15 U.S.C. 1681i, and send the required notifications to all furnishers of this information. Fair Credit Reporting Act, 15 U.S.C. 1681s-2 Section 623(a)(8)(D) Section 603(p), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623(a)(7).According to 15 USC 168i(15) the credit bureaus have to modify or Delete fraud Account that are not reporting accurately. According to 15 USC 1681b(1) the credit bureaus dont have no written permission. According to 15 *** 1681 have the right to privacy According to 15 *** 168s- 2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate . (B) Reporting information after notice and confirmation of errors According to 15 *** 1681 I have the right to privacy According to 15 *** 1681s-2 A person shall not furnish any information relating to a consumer to any any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. (B) Reporting Information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency (i) The person has been notified by the consumer, at the address specified by the person for such Notices, that specifies information inaccurate, and (ii) the information is, in, fact, inaccurate. CREDENCE RESOURCE MANA / T-MOBILE- Amount:$709 Date:7/14/2024 Acct#*********

  Business Response

  Date: 10/16/2024

  CRM REFERENCE NUMBER: 351452061;
  CREDITOR NAME: T-Mobile US, Inc.;
  CREDITOR ACCOUNT NUMBER: *********;
  
  **********************, LLC (CRM) has received your October 3, 2024, complaint filed with the Better Business Bureau and understands that you state that according to 15 U.S.C 1681s-2(a) (1) (A) and (B)to report inaccurate information you request CRM to delete this information from your credit report and you request CRM to send the required notifications to all furnishers of this *************** state that according to Fair Credit Reporting Act, 15 U.S.C. 1681s-2 Section 623(a) (8) (D) Section 603(p), CRM must notify consumers in writing if CRM may furnish or have furnished negative information to a CRA. Section 623(a) (7).You state that according to 15 *** 168i (15) the credit bureaus have to modify or delete the fraud account that are not reporting accurately. According to 15 USC 1681b (1) the credit bureaus dont have no written permission. You request CRM to delete the fraud account from your credit report that does not relate to any transactions that you have made. You request CRM to delete /remove account immediately. Based upon our research CRMs findings are as follows:
  CRM has reviewed your correspondence and would like to appraise you that *** is a collection agency working on behalf of *****************, and is not the original creditor.
  On July *******, *****************, placed the above referenced account with CRM for collection in the amount of $709.71.
  On July 15, 2024, CRM mailed you the validation notice advising you of your right to dispute or request validation of the debt within ************************************************************************************************************** requesting validation during the 30-day period.
  On September 21, 2024, the account was credit reported to Transunion and Experian in compliance with Fair Credit Reporting Act (FCRA).
  On October 3, 2024, CRM was notified about fraud through BBB complaint. The account was placed in fraud status. *** notified the creditor about the same. As per the creditor Account start date -02/03/2022, Account End Date -12/11/2022, Cancelation Reason -Nonpayment, Account started as postpaid Individual-Regular as billing person name ****** Sylenok .Original billing responsible party responsible for charges billed on account.We checked in device return tool equipment is not returned. Last payment date -09/01/2022, Last payment amount *******, Breakdown of Balance - Current Account Balance -$709.71, Statement Date -09/04/2022 to 01/04/2023, Charges -service$137.5 , late fee $29.71 , equipment $542.5 , OCA Fee NA. Debt validation -Late fee is for late payments. Equipment charges are valid for the pending Equipment Installment plan due. Service charges are valid for the service rendered.
  As per records, on October 5, 2024,*** received a call from you upon which *** was notified about fraud. The collector informed you that fraud request will be raised on the account post which you disconnected the call. The account remained on the fraud status.
  On October 7, 2024, *** was notified about fraud through ****. The account remained in fraud status. On the same day, CRM mailed you the fraud packet.
  Enclosed is the copy of validation received from the creditor.
  For fraud related issues you can login to ****************************************************************************** and complete the fraud procedure. You must complete the fraud procedure for the creditor to investigate your claim. Failure to do so may result in the creditor continuing to pursue collection of the account.
  CRM requested its entry be removed from Transunion and Experian. CRM cannot affect a change in whether the creditor or another entity has or will later report the account on your credit report. CRM also cannot affect a change as to when the credit bureau processes the deletion request CRM submitted relating to the account. *** has no control over whether the creditor places the account with another collection agency for continued collection.
  You may contact CRM at ************ for any further questions.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.