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:10/02/2024

  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.

  NOTICE From ******** ***** Hereinafter collectively referred to as " Claimant To : CREDENCE RESOURCE MANAGEMENT LLC( DEBT COLLECTION COMPANY WHO PURCHASE A. FRAUDULENT DEBT FROM T-MOBILE) Hereinafter collectively referred to as RESPONDENT, you, your company RE : Alleged account # ********* NOTICE OF DISPUTE ; DEMAND FOR VALIDATION, PROOF OF CLAIM AND CEASE AND DESIST. To Whom It May Concern This letter is being sent to you in response to a collections account received by Claimant from your offices dated 09/21/2024. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USCG 1692 et seq, and the Fair Credit Billing Act, 15 U.S.C. 1666. This is NOT a request for " verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 ***** Credit Bureaus, such as, TRANSUNION EXPERIAN, and EQUIFAX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative **** is found on any of Claimant credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following. -Violation of the Fair Credit Reporting Act -Violation of the Fair Debt Collection Practices Act -Defamation of Character -Violation of United States Code TITLE 18 PART 1 CHAPTER 63 sec. 1341.

  Customer Answer

  Date: 10/06/2024

  I never received anything from the Debt Collector. 

  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.

• Initial Complaint

  Date:10/01/2024

  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 T-MOBILE. I do not have a contract with CREDENCE RESOURCE MANAGE. CREDENCE RESOURCE MANAGE is furnishing inaccurate and incorrect information to the consumer reporting agencies. T-MOBILE: Account # ********* (Balance: $370). 15 U.S. Code 1681 s2 states 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. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of Law 15 USC 1681 s-2 of their responsibilities as a furnisher of information. They have caused me and my family severe harm due to their negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account(s) from my Consumer Report.

  Customer Answer

  Date: 10/04/2024

  This is negatively affecting me and my families life and right to credit. I have already sent them a dispute letter and I have not received a response. I have never had ANY contracts with CREDENCE RESOURCE MANAGE.

  Please remove this account from my consumer reports immediately. 

  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.

• Initial Complaint

  Date:10/01/2024

  Type:Billing 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'm not liable for this debt with Credence Resource Managment. I do not have a contract with Credence resource management, they did not provide me with the original contract provide me with the original contract as I requested.

  Customer Answer

  Date: 10/03/2024

  I'm 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.

  Business Response

  Date: 10/22/2024

  CRM REFERENCE NUMBER: 275840592;
  CREDITOR NAME: AT&T Uverse;
  CREDITOR ACCOUNT NUMBER: *********;
  
  **********************, LLC (CRM) has received your October 4, 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 Uverse, and is not the original creditor.
  On March 25, 2024, AT&T Uverse, placed the above referenced account with CRM for collection in the amount of $106.15.
  On March 26, 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 May 11, 2024, the account was credit reported to Experian and Transunion in compliance with Fair Credit Reporting Act (FCRA).
  On September 23, 2024, the creditor recalled the account.CRM closed the account and returned it to the original creditor.
  On October 2, 2024, *** was notified about dispute through *****
  On October 4, 2024, *** was notified about dispute through BBB complaint. The account is already being recalled by the creditor.
  *** 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.
  Enclosed is the copy of validation received from the creditor.
  You may contact the creditor directly for any further queries.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

  Customer Answer

  Date: 10/22/2024

  I have reviewed the business response and accept this resolution. The dispute has been settled to your satisfaction

• Initial Complaint

  Date:10/01/2024

  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 just found out this company Creedance called me at the beginning of August 2024 and would not alert me as to what their cold call was about. They actually expected me to give them my home address and last 4 of my social WITHOUT letting me know what they were calling in reference to. With Scams and Hacking ever so prevalent and that the caller had the ever so familiar accent from *****/******** which are the telephone scam capitols of the world, I refused to give them any information. They need to be corrected in their "Verification methods". A negative entry was placed on my credit report and I had already taken care of this with the company, *******, that they represent. This needs to be removed at once from my credit report and i asked for an agreement via email that it would be taken care of if I were to pay it and take it up with Xfinity. They refused to do that so I hung up.

  Business Response

  Date: 10/18/2024

  CRM REFERENCE NUMBER: 277583485;
  CREDITOR NAME: Xfinity Mobile;
  CREDITOR ACCOUNT NUMBER: **********;
  
  **********************, LLC (CRM) has received your October 1, 2024, complaint filed with the Better Business Bureau and understands that you state that CRM called you at the beginning of August 2024 and would not alert you as to what CRM cold call was about. You state that *** expected you to give CRM your home address and last 4 of your social without letting you know what CRM were calling in reference to. You state that you refused to give *** any information. You state that CRM need to be corrected in CRM "Verification methods". You state that a negative entry was placed on your credit report and you state that you had already taken care of this with the company, ******* that *** represent. You state that that needs to be removed at once from your credit report and you state that you asked *** for an agreement via email that it would be taken care of if you were to pay it and take it up with Xfinity. You state that *** refused to do that so you hung up. 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 August 2, 2024, *************** placed the above referenced account with CRM for collection in the amount of $*****.
  On August 5, 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.
  As per records, on August 6, 2024, CRM received a call from you upon which you notified CRM not to call you back as this is a scam. The account was placed in restricted status. As per the creditor Account investigation has determined the charges on this account are valid.
  On September 21, 2024, the account was credit reported to Transunion and Experian in compliance with Fair Credit Reporting Act (FCRA).
  As per records, on October 1, 2024, CRM received a call from you upon which you notified CRM that you want to resolve this using card however before that you wanted something on email. The collector informed that credit deletion letter can be sent only after the account is resolved. You said that this is a scam and you will take a legal action. You said you will dispute this debt with credit bureaus if you dont receive the said letter before you make a payment and hung up the call. The account was placed in dispute status. *** updated the tradeline to reflect as disputed. *** notified the creditor about the same. *** notified the creditor about the same. As per creditor Account FA: ********** Resi Account: **************** Customer Name: ******* ******* Debt Amount: ***** Account investigation has determined the charges on this account are valid. *** updated the tradeline to reflect as disputed. On the same day, *** was notified about dispute through BBB complaint. The account remained in dispute status.
  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:10/01/2024

  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 aware of this account. I have reached out to 3 credit bureaus and CREDENCE RESOURCE MANAGEMENT *** to have this account removed from my file and they always say the same excuse, which is no longer acceptable. I have filed an *** complaint because I believed this is an outcome of identity Theft. Regardless of all actions done on my end, there was no action from 3 Bureaus. Thus, I am reaching out to seek assistance to have CREDENCE RESOURCE MANAGEMENT *** that I have no account with them and 3 credit bureaus can simply remove it from my credit.

  Business Response

  Date: 10/10/2024

  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: 10/18/2024

  CRM REFERENCE NUMBER: 351382507;
  CREDITOR NAME: *****************;
  CREDITOR ACCOUNT NUMBER: *********;
  
  **********************, LLC (CRM) has received your October 1, 2024, complaint filed with the Better Business Bureau and understands that you state that you are not aware of this account. You state that you have reached out to 3 credit bureaus to have this account removed from your file and you state that 3 credit bureaus say the same excuse which is no longer acceptable to you. You state that you have filed a *** complaint because you believe this is an outcome of identity theft. You state that regardless of all actions done on your end,there was no action from 3 Bureaus. You state that you are reaching out to CRM that you have no account with CRM and 3 credit bureaus can simply remove from your credit. 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 $362.92.
  On July 3, 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 1, 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 -02/14/2018, Account End Date - 09/24/2022, Cancelation Reason - Non-Payment-WO (Non-payment). Account is activated as Individual-Regular postpaid account with billing person name ******* M. *******. Last payment date - 06/05/2022, Last payment amount - $73.12, Breakdown of Balance - Current Account Balance -$362.92, Statement Date - 06/15/2022 to 10/15/2022, Charges - Equipment charge of $362.92, OCA Fee - Na . Debt validation - Equipment charges are valid for the pending equipment installment plan due.
  On October 7, 2024, *** was notified about fraud through ****. The account was placed in fraud status.
  *** requested its entry be removed from ********** 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.

  Business Response

  Date: 10/18/2024

  CRM REFERENCE NUMBER: 351382507;
  CREDITOR NAME: *****************;
  CREDITOR ACCOUNT NUMBER: *********;
  
  **********************, LLC (CRM) has received your October 1, 2024, complaint filed with the Better Business Bureau and understands that you state that you are not aware of this account. You state that you have reached out to 3 credit bureaus to have this account removed from your file and you state that 3 credit bureaus say the same excuse which is no longer acceptable to you. You state that you have filed a *** complaint because you believe this is an outcome of identity theft. You state that regardless of all actions done on your end,there was no action from 3 Bureaus. You state that you are reaching out to CRM that you have no account with CRM and 3 credit bureaus can simply remove from your credit. 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 $362.92.
  On July 3, 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 1, 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 -02/14/2018, Account End Date - 09/24/2022, Cancelation Reason - Non-Payment-WO (Non-payment). Account is activated as Individual-Regular postpaid account with billing person name ******* M. *******. Last payment date - 06/05/2022, Last payment amount - $73.12, Breakdown of Balance - Current Account Balance -$362.92, Statement Date - 06/15/2022 to 10/15/2022, Charges - Equipment charge of $362.92, OCA Fee - Na . Debt validation - Equipment charges are valid for the pending equipment installment plan due.
  On October 7, 2024, *** was notified about fraud through ****. The account was placed in fraud status.
  *** requested its entry be removed from ********** 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.
  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:10/01/2024

  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 check my credit karma weekly. In the past, we did have an issue where my son maxed out all credit cards. We have worked hard to pay them off, and all will be pif by eoy. Today when I looked at my Credit Karma, I had a new charge from Credit Resource Management in the amount of $2512. I disputed on ************ and called the collection company. I was getting a big run around, was never told what it was for and was made to feel I would just have to pay a fee to get it removed. Shady, shady, shady. I said forget and came here. I have no loans that are even a day behind. I have a payment arrangement with my hospital for all doctor bills. That is also all current. There are no other bills that I have. I am not paying money to remove a charge that isn't mine. Please advise. They are doing this to other people too. I will file a police report if need be.

  Customer Answer

  Date: 10/01/2024

  I have never received any correspondence.  It just showed up on my credit report.  They would not tell me what it was for.  They said we'll, it's already on your report now.  Maybe you won't have to pay all of it.  I said no, I do not have any bad account and all payments are current.  They wanted me to give them info...super shady and scammy

  Business Response

  Date: 10/11/2024

  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: 10/11/2024

  I am rejecting this response because:  this is on my credit report and not my bill.  They have had plenty of time to figure out whose it is.  There response was not an answer.  It was stalling for more time

  Business Response

  Date: 10/17/2024

  CRM REFERENCE NUMBER: 275069857;
  CREDITOR NAME: U.S.Cellular;
  CREDITOR ACCOUNT NUMBER: *********;
  
  **********************, LLC (CRM) has received your October 1, 2024, complaint filed with the Better Business Bureau and understands that you state that when you looked at your Credit Karma, you noticed you had a new charge from CRM in the amount of $******** state that you disputed on Credit Karma and called CRM. You state that you were not told what the amount is for. You state that you were suggested to pay a fee to remove this from your credit report. You state that you deny to pay to remove the charge that is not yours. Based upon our research CRMs findings are as follows:
  *** is a collection agency working on behalf of *************, and is not the original creditor.
  On January 17, 2024, U.S.Cellular; placed the above referenced account with CRM for collection in the amount of $2,512.76.
  On January 17, 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 undeliverable and no record of you disputing the debt or requesting validation during the 30-day period.
  On March 9, 2024, the account was credit reported to Experian and to Transunion in compliance with the Fair Credit Reporting Act (FCRA).
  On October 1, 2024, and on October 2, 2024, CRM was notified about dispute through BBB complaint and through ****. The account was placed in restricted status respectively. *** updated the tradeline to reflect as disputed. *** notified the creditor about the ******* per the creditor The account was activated in the name and SSN of ***** ******* on 06/18/2003.
  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.
  On October 14, 2024, the creditor recalled the account. *** closed the account and returned it to the original creditor.
  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:10/01/2024

  Type:Billing 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 am not liable for this debt with T-Mobile. I do not have a contract with Credence Resource Management, LLC. They did not provide me with the original contract as I requested.

  Customer Answer

  Date: 10/01/2024

  I am not liable for this debt with T-Mobile. I do not have a contract with Credence Resource Management, LLC. They did not provide me with the original contract as I requested.

  Business Response

  Date: 10/10/2024

  *** REFERENCE NUMBER: 351442262;
  CREDITOR NAME: *****************;
  CREDITOR ACCOUNT NUMBER: *********;
  
  **********************, LLC (***) has received your October 3, 2024, complaint filed with the Better Business Bureau and understands that you state that you are not liable for this debt with T-Mobile. 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 ***s findings are as follows:
  *** 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 10, 2024, *****************, placed the above referenced account with *** for collection in the amount of $743.83.
  On July 11, 2024, *** 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 1, 2024, *** was notified about dispute through ****. The account was placed in dispute status. *** updated the tradeline to reflect as disputed.
  As per records, on October 1, 2024, *** received a call from you upon which *** was asked for settling the account for less than the complete balance offer. The collector on the call provided you the settlement offer details to which you agreed starting October 4, 2024.
  As per records, on October 2, 2024, *** received a call from you upon which you shared your concerns about the settlement offer provided and asked **** mail id. The supervisor on the call provided the *** mail ID to you. You concluded the call saying that you will call on Friday.
  On October 3, 2024, *** was notified about dispute through BBB complaint and a correspondence. The account remained in dispute status. *** notified the creditor about the same. As per the creditor Account start date -  06/28/2020, Account End Date - 09/29/2023, Bill date  -  29 , Advice account type is  Individual-Regular as postpaid activated and BRP's name is ****** *****. Found usage till bill date 10/29/2023. Last payment on 08/24/2023 of $188.09 which was posted against past due balances, Still account left with remaining balance is valid. Breakdown of Balance - Current Account Balance - $743.83, Statement Date - 08/29/2023 to 12/29/2023, **************** 64.3 , late fee 44.5 , equipment607.42 , SaaS MKT 0.33, 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. SAAS MKT charges valid for unpaid monthly recurring charges.
  You may contact *** at ************ for any further questions.
  
  **** COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

  Customer Answer

  Date: 10/10/2024

  I will agree to pay the $350 settlement that myself and the manager ****** ****** agreed upon.

• Initial Complaint

  Date:10/01/2024

  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 really dont know whats going on but a company called Credence Resource Management its accusing me of delinquency of a payment. Please help me.

  Business Response

  Date: 10/17/2024

  CRM REFERENCE NUMBER: 277707862;
  CREDITOR NAME: ***************
  CREDITOR ACCOUNT NUMBER: **********;
  
  **********************, LLC (CRM) has received your October 1, 2024, complaint filed with the Better Business Bureau and understands that you state that you really dont know whats going on but a company called *** its accusing you of delinquency of a payment. 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 August 13, 2024, *************** placed the above referenced account with CRM for collection in the amount of $59.61.
  On August *******, CRM sent you the validation notice via text advising you of your right to dispute or request validation of the debt within 30 days.
  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 the Fair Credit Reporting Act (FCRA).
  On October 1, 2024, CRM was notified about dispute through BBB complaint. The account was placed in restricted status. *** updated the tradeline to reflect as disputed. *** notified the creditor about same. As per the creditor Account investigation has determined the charges on this account are valid, Collections will continue. Pay means has been updated to cash.
  CRM placed a request with the creditor, upon receipt CRM will mail you the copy of validation obtained from the original creditor. 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:09/30/2024

  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.

  Im not liable for this debt with Credence Resource management. I do not have a contract with the collection agency, Credence Resource management, they did not provide me with the original contract as requested. This supposed debt is T-Mobile phone service, this service was active only for 3 days as I noticed they added an unauthorized item to my T-Mobile account which led me to cancel the account within my first 3 days of service do to the fraudulent activity on my account. The account was closed and any T-Mobile device was returned to T-Mobile at the time the account was closed with no unpaid balance due.

  Business Response

  Date: 10/18/2024

  CRM REFERENCE NUMBER: 351401923;
  CREDITOR NAME: *****************;
  CREDITOR ACCOUNT NUMBER: *********;
  
  **********************, LLC (CRM) has received your October 1, 2024, complaint filed with the Better Business Bureau and understands 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 $119.54.
  On July 5, 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 1, 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 -8/26/2023, Account End Date -9/1/2023, Cancelation Reason -Port out, account activated as individual regular with billing responsible party as ****** ****** *** no payment made on account. Usage found till 9/1/2023 which is within Buyer remorse so treated account for Buyer Remorse. Equipment charge showing in invoice already adjusted on account level.  Remaining charges are valid for service used within Buyer Remorse. As per CSM General Memo dated 8/29/2023 P360 charge was adjusted as cx didnt authorize. Breakdown of Balance -Current Account Balance -Unavailable at time of research due to pending collection fee adjustments. ***** account charges will be updated within 2-3 business days. Statement Date -8/27/2023 to 12/27/2023. Charges -service, late fee. OCA Fee -unable to quote. Debt validation -Service charges are valid for service rendered. Late fee is for late payment.
  On October 9, 2024, CRM received credit adjustment of $25 on your account from the creditor.
  On October 10, 2024, CRM received credit adjustment of $6.25 on your account from the creditor.
  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:09/30/2024

  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 LLC, they did not provide me with the original contract as requested.

  Customer Answer

  Date: 10/01/2024

  ******** ****

  ********************

  Fort Worth Tx 76123

   

  Credence Resource Management LLC

  ************************

  ******,Tx 75248

  08/27/24  Account #*********

                                                Dear Collector:  My credit report shows a collection from you agency. I was never notified of this collection. what's more, I do not believe this debt is accurate. Under the Fair Debt Collection Protection Act, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following: 1. An explanation of what this alleged account balance is for. 2. A calculationof this balance, including the complete payment history on this account, so I will have proof that the amount is correct. 3. Documentation that shows I agreed to pay this debt. 4. The Agreement that grants you authority to collect on this alleged debt. 5. A copy of your state license and license number. Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only. 

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

  Business Response

  Date: 10/17/2024

  CRM REFERENCE NUMBER: *********;
  CREDITOR NAME: AT&T MOBILITY;
  CREDITOR ACCOUNT NUMBER: ************;
  
  **********************, LLC (CRM) has received your October 1, 2024, complaint filed with the Better Business Bureau and understands that you state that you are not liable for this debt with AT&T.  You state that you do not have a contract with CRM. You state that *** 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 AT&T Mobility, and is not the original creditor.
  On June 25, 2024, AT&T Mobility, placed the above referenced account with CRM for collection in the amount of $3,485.03
  
  On June 26, 2024, CRM mailed you the validation notice advising you of your right to dispute or request validation of the debt within 30 days.
  
  On August 10, 2024, the account was credit reported to Experian and to Transunion in compliance with the Fair Credit Reporting Act (FCRA).
  
  On September 30, 2024,and on October 1, 2024, *** was notified about a dispute through the **** and through BBB complaint. The account was placed in restricted status respectively.CRM updated the tradeline to reflect as disputed. *** notified the creditor about the same and is awaiting a response. On October 3, 2024, *** responded to the dispute through the *****
  
  On October 8, 2024, CRM mailed you the copy of validation obtained from the original creditor. On October 11, 2024, CRM mailed you the copy of contract obtained from the original creditor. The account currently remains on restricted status.
  
  You may contact CRM at ************ for any further questions.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

  Customer Answer

  Date: 10/17/2024

  I am rejecting this response because: I am not liable for this debt with AT&T. I do not have a contract with Credence Resource Management LLC, I still havent received the original contract with my signature as requested. Delete off my credit report or I will be notifying the **** to resolve this issue.

  Business Response

  Date: 10/25/2024

  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 state that you are not liable for this debt with AT&T. You state that you do not have a contract with ***. You state that you still havent received the original contract with your signature as requested. Based upon our research CRMs findings are as follows:
  On September 30, 2024, and on October 1, 2024, *** was notified about a dispute through the **** and through BBB complaint. The account was placed in restricted status respectively. *** updated the tradeline to reflect as disputed. *** notified the creditor about the same. As per the creditor This account stands for an AT&T;s postpaid wireless service for six (6) lines (during account lifetime) ending numbers 7932, 4891, 9497, 6235, 6751 & 0680. Account was opened on 01/05/2022 and cancelled on 07/17/2023 due to no payment. Last payment processed on the account was on 05/23/2023 for $ ******. First day of delinquency after cancellation was on 08/27/2023 with a balance of $ *******. AT&T has not sold this account. On 08/28/2023, AT&T Mobility forwarded the subject account to [OCA **********************, LLC], for collections on the balance of $ *******. [OCA Credence Resource Management, LLC], received the account from AT&T Mobility and acts as an agent on behalf of AT&T Mobility; therefore, the consumer would not have a contract with [OCA Credence Resource Management, LLC]. Customer is responsible for the charges of usage reflected on the service during the time account was active. Balance stands for past-due billed charges, late payment fees, monthly recurrent charges, and balance of six (6) financed device with ending number 7932, 4891, 9497, ********* & 0680 found on records. Charges & Collection activity are valid due to customer acceptance of contract and Terms & Conditions under the name of ******** ****.
  Enclosed is the copy of validation obtained from the original creditor which was mailed to you on October 8, 2024 and enclosed is the copy of contract obtained from the original creditor which was mailed to you on October 11, ********************************************************************* lower case.
  
  You may contact CRM at ************ for any further questions.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

  Customer Answer

  Date: 10/26/2024

  I am rejecting this response because:   in accordance with the provisions of 15 USC 1692g. As a consumer, I request that you provide me with verification of this purported debt. I am seeking concrete evidence that clearly establishes this alleged debt as mine. Please ensure that the verification you provide includes a formal declaration, sworn to be true and accurate, with firsthand knowledge of the matter, as required for proper verification.
  I request that you provide me with the following information to validate the debt:
  ???A copy of the original signed contract or agreement between myself and the original creditor. An itemized statement of the account including the principal amount, any interest, fees, or charges applied.
  ???Proof that I have a contract with Credence Resource Management LLC bearing my signature. As outlined by the Fair Debt
  Collection Practices Act, I expect you to cease all collection activities related to this disputed debt until its validity is confirmed. This includes any reporting to Experian, **********, and *******. I want to 
  emphasize that I have not granted you consent to communicate with me through any means other than through the BBB
  Furthermore, I did not authorize the release of my personal and private information to your agency, which, in effect, constitutes aggravated identity theft. I also want to reiterate that I did not authorize the reporting of any information in my name to consumer reporting agencies.Your non-compliance with the Privacy of ****************** Information Rule of the Gramm ***** ****** Act has been noted, as you shared my nonpublic personal information with nonaffiliated third parties without providing me with a compliant notice under section 6803 and an opportunity to opt out, as required by 15 USC 6802.
  In line with my rights as a consumer, I hereby request that you provide me with the "Aggravated Value of Purchase" document, which explicitly details the price you paid for this particular debt. It is essential.

  Business Response

  Date: 12/19/2024

  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 request *** to provide you with verification of this purported debt along with other supporting documents. You state that you are seeking concrete evidence that clearly establishes this alleged debt as yours. You state that you did not authorize the release of your personal and private information to CRM which, in effect, constitutes aggravated identity theft. You state that you also want to reiterate that you did not authorize the reporting of any information in your name to consumer reporting agencies. Based upon our research CRMs findings are as follows:

  The account is placed on cease status and CRM will not pursue further collections.
  
  CRM requested its entry be removed from ********** 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.