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:01/31/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

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

  Customer Answer

  Date: 02/06/2025

  Hi, I mail this letter to Credence Resource Management in the beginning of January of 2025. I have never signed a contract with this company nor do I owe them any monies. I did not receive a response from them nor any information ever. 

  I demand them to report this to be removed off of my credit report and this has not been resolved.

  Please see attachment.

  Thank you.

  Business Response

  Date: 03/03/2025

  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: 03/10/2025

  CRM REFERENCE NUMBER: *********;
  CREDITOR NAME:AT&T UVERSE;
  CREDITOR ACCOUNT NUMBER: *********;
  
  **********************, LLC (CRM) has received your January 31, 2025, complaint filed with the Better Business Bureau and understands that you state that you are not liable for this debt with ATT. You state that you do not have a contract with ***. You state that *** did not provide you the contract as you requested. 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 September 16, 2024,AT&T Uverse, placed the above referenced account with CRM for collection in the amount of $2,836.61.
  
  On September 17, 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 November 6, 2024,the account was credit reported to Transunion and to Experian in Compliance with the Fair Credit Reporting Act (FCRA)
  
  On January 31, 2025,CRM was notified about dispute through the **** and through BBB complaint. The account was placed in a restricted status. *** updated the tradelines to reflect as disputed. *** notified the creditor about the same. As per the creditor, Customer was last current Feb 2024. No payment Mar 2024 - Aug 2024.Charges on account are for NRF (No return information was sent in and CPE shows no return of equipment), Internet and U-verse TV. Services disconnected 06/23/23 due to nonpayment. Balance sustained.
  
  On February 6, 2025, the creditor recalled the account. *** closed the account and returned it to the original creditor.
  
  On February 19, 2025, *** investigated the dispute claim and responded to it through the *****
  
  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:01/31/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  *** is company has continuously harassed me over a debt they claim I owe. I paid everything off with ***** I have disputed this multiple time and they continue to insist that the debt belongs to me. ******* a company that was stealing money from me for years and years until I was tired and paid everything off and transferred over the account to the other person reasonable for the other lines. The balance for MY lines and responsibility was closed out and I was advised everything was closed and the transfer was complete therefore, I was free to go. My account online was also closed, therefore, I no longer had access to see any final bill. I was advised it was CLOSED and no final bill would be received because the account was transferred and responsibility was now taken over by the other person. This company keeps harassing me with phone calls and doesnt listen to what I continuously have said and only repeat their side of the story on why I owed this balance. They have tarnished my credit report and continue to place stress onto me over a balance of $141 that I do not owe. I will elevate this to the courts if needed. I will not allow a company to continue to scam me. **** is a horrible company and I had made another complaint through the BBB years before closing my account t. It was the same issue where they were refusing to issue a refund and ignored my complaints until a BBB complaint was filed they reached out to discuss the matter and issued the refund. They scam people. I am requesting this account be closed out and reported and $0.00 to the credit bureaus. I have an exceptional credit history and this has caused damage.

  Customer Answer

  Date: 02/04/2025

  The last bill was paid for $231.71. The bill clearly states last bill. They sent me a separate bill for $142.25, which I never received. The bill for $142.25 does not explain why there is a balance and on there it also shows last bill for $231.71. I do not owe the $142.25

  Business Response

  Date: 02/24/2025

  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: 02/26/2025

  CRM REFERENCE NUMBER: 278859621;
  CREDITOR NAME: AT&T Mobility;
  CREDITOR ACCOUNT NUMBER: ************;
  
  **********************, LLC (CRM) has received your January 31, 2025, complaint filed with the Better Business Bureau and understands that you state that *** has continuously harassed you over a debt that CRM claim you owe. You state that you paid everything off with AT&T. You state that you have disputed this multiple time. You state that *** continue to insist that the debt belongs to you. You state that *** keeps harassing you with phone calls and does not listen to what you have continuously have said and only repeat their side of the story of why you owe this balance. You state that *** has tarnished your credit report and continue to place stress onto you over a balance of $141 that you state that you dont owe. You state that you will elevate this to the courts if needed. You state that you will not allow a company to scam you. You state that you are requesting this account to be closed out and reported $0 to credit bureaus. 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 November 9, 2024, AT&T Mobility, placed the above referenced account with CRM for collection in the amount of $142.25.
  On November 11, 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 December 29, 2024, the account was credit reported to Experian and Transunion in compliance with Fair Credit Reporting Act (FCRA).
  On January 4, 2025, CRM was notified about dispute through *****The account was placed in dispute status. *** updated the tradeline to reflect as disputed. *** notified the creditor of the dispute. As per the creditor This account stands for an AT&T;s postpaid wireless service for thirteen (13) lines (during account lifetime) ending numbers 1922, 9304, 9324, 8590, 0550, 9884, 1547, 8938, 5489, 6382, 7886, 0644 & 6357. Account was opened on 02/04/2015 and cancelled on 10/09/2023 due to customer request. Last payment processed on the account was on 09/26/2023 for $231.40. Account holder is the only one with the right to grant authorization to any 3rd party to access and make some changes or/and charges on the service.Account holders are responsible for all actions taken by any authorized user(s)on their account. Authorized users are not liable to any payment. 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 two (2) financed devices with ending number 6357 & 6382 found on records. No refunds will be made for AT&T Equipment returned more than six (6) months after termination. This subsection also applies if your existing Equipment is replaced or upgraded for any reason. Charges are valid due to customer acceptance of contract and Terms & Conditions under the name of ******** ********.
  On January 24, 2025, CRM mailed you the itemized statement
  On January 27, 2025, CRM mailed you the contract copy
  As per records, on January 31, 2025, CRM received a call from you upon which CRM was notified about dispute. The account was placed in dispute status. On the same day CRM was notified about dispute through BBB complaint.The account was placed on a restricted status. *** notified the creditor of the dispute. As per the creditor This account stands for an AT&T;s postpaid wireless service for 13 lines (during account lifetime) ending numbers *********, 9324, 8590, 0550, 9884, 1547, 8938, 5489, 6382, 7886, 0644 and 6357.Account was opened on 02/04/2015 and cancelled on 10/09/2023 due to customer request. Last payment processed on the account was on 09/26/2023 for $231.40.There is usage reflected on the service during the time account was active. Balance stands for past-due billed service charges, late payment fees, and no remaining balance of any financed device found on records. Charges & collection activities are valid due to customer acceptance of contract and Terms &Conditions under the name of ******** ********. Customers Contract acceptance was through Retail Wireless and Entertainment Touchless Process implemented to minimize device handoffs for in-store transactions due to COVID-19 Operational Guidelines. It consists in sending a link to any web-connected device the customer has with them to accept wireless T&Cs; The message will give permission to Retail Representative to acknowledge the consents that were discussed during the transaction [sign any agreements agreed to on their behalf]. ***Please, Cease and Desist all collection and communication attempts.
  On February 10, 2025, the creditor recalled the account.CRM closed the account and returned it to the 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.CRM has no control over whether the creditor places the account with another collection agency for continued collection.
  Enclosed is the copy of validation and contract copy received from the creditor.
  You may contact the creditor directly for any further queries.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

  Business Response

  Date: 02/26/2025

  CRM REFERENCE NUMBER: 278859621;
  CREDITOR NAME: AT&T Mobility;
  CREDITOR ACCOUNT NUMBER: ************;
  
  **********************, LLC (CRM) has received your January 31, 2025, complaint filed with the Better Business Bureau and understands that you state that *** has continuously harassed you over a debt that CRM claim you owe. You state that you paid everything off with AT&T. You state that you have disputed this multiple time. You state that *** continue to insist that the debt belongs to you. You state that *** keeps harassing you with phone calls and does not listen to what you have continuously have said and only repeat their side of the story of why you owe this balance. You state that *** has tarnished your credit report and continue to place stress onto you over a balance of $141 that you state that you dont owe. You state that you will elevate this to the courts if needed. You state that you will not allow a company to scam you. You state that you are requesting this account to be closed out and reported $0 to credit bureaus. 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 November 9, 2024, AT&T Mobility, placed the above referenced account with CRM for collection in the amount of $142.25.
  On November 11, 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 December 29, 2024, the account was credit reported to Experian and Transunion in compliance with Fair Credit Reporting Act (FCRA).
  On January 4, 2025, CRM was notified about dispute through *****The account was placed in dispute status. *** updated the tradeline to reflect as disputed. *** notified the creditor of the dispute. As per the creditor This account stands for an AT&T;s postpaid wireless service for thirteen (13) lines (during account lifetime) ending numbers 1922, 9304, 9324, 8590, 0550, 9884, 1547, 8938, 5489, 6382, 7886, 0644 & 6357. Account was opened on 02/04/2015 and cancelled on 10/09/2023 due to customer request. Last payment processed on the account was on 09/26/2023 for $231.40. Account holder is the only one with the right to grant authorization to any 3rd party to access and make some changes or/and charges on the service.Account holders are responsible for all actions taken by any authorized user(s)on their account. Authorized users are not liable to any payment. 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 two (2) financed devices with ending number 6357 & 6382 found on records. No refunds will be made for AT&T Equipment returned more than six (6) months after termination. This subsection also applies if your existing Equipment is replaced or upgraded for any reason. Charges are valid due to customer acceptance of contract and Terms & Conditions under the name of ******** ********.
  On January 24, 2025, CRM mailed you the itemized statement
  On January 27, 2025, CRM mailed you the contract copy
  As per records, on January 31, 2025, CRM received a call from you upon which CRM was notified about dispute. The account was placed in dispute status. On the same day CRM was notified about dispute through BBB complaint.The account was placed on a restricted status. *** notified the creditor of the dispute. As per the creditor This account stands for an AT&T;s postpaid wireless service for 13 lines (during account lifetime) ending numbers *********, 9324, 8590, 0550, 9884, 1547, 8938, 5489, 6382, 7886, 0644 and 6357.Account was opened on 02/04/2015 and cancelled on 10/09/2023 due to customer request. Last payment processed on the account was on 09/26/2023 for $231.40.There is usage reflected on the service during the time account was active. Balance stands for past-due billed service charges, late payment fees, and no remaining balance of any financed device found on records. Charges & collection activities are valid due to customer acceptance of contract and Terms &Conditions under the name of ******** ********. Customers Contract acceptance was through Retail Wireless and Entertainment Touchless Process implemented to minimize device handoffs for in-store transactions due to COVID-19 Operational Guidelines. It consists in sending a link to any web-connected device the customer has with them to accept wireless T&Cs; The message will give permission to Retail Representative to acknowledge the consents that were discussed during the transaction [sign any agreements agreed to on their behalf]. ***Please, Cease and Desist all collection and communication attempts.
  On February 10, 2025, the creditor recalled the account.CRM closed the account and returned it to the 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.CRM has no control over whether the creditor places the account with another collection agency for continued collection.
  Enclosed is the copy of validation and contract copy received from the creditor.
  You may contact the creditor directly for any further queries.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

• Initial Complaint

  Date:01/31/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  To Whom It May Concern: I am reaching out regarding a significant and unjustified drop in my credit scorean 81-point decreasedue to a false report from a scam company, Credence Resource Management. This entry is fraudulent, and I am requesting its immediate removal from my credit report.I have attempted to contact the company, but they are unreachable. I have maintained an excellent credit history for a long time, and this incorrect entry is severely impacting my score. Additionally, I have reviewed the information on your website, which further confirms that this report is fraudulent.Please advise on the necessary steps to rectify this issue as soon as possible. I appreciate your prompt attention to this matter and look forward to your response.

  Customer Answer

  Date: 01/31/2025

  I have no knowledge of this company and I don't owe any creditors past or present.  This company is showing up on your website as many complaints as well.  No sure exactly what you need to to do. 

  Business Response

  Date: 02/14/2025

  CRM REFERENCE NUMBER: 279638533;
  CREDITOR NAME: AT&T Mobility;
  CREDITOR ACCOUNT NUMBER: ************;
  
  **********************, LLC (CRM) has received your February 3, 2025, complaint filed with the Better Business Bureau and understands that you state that you are reaching out regarding a significant and unjustified drop in credit score, an 81 point decrease due to a false scam company CRM. You state that the entry is fraudulent. You state that you are requesting immediate removal from your credit report. You state that you have attempted to contact the company but they are unreachable. You state that you have maintained excellent credit history for a long time. You state that this incorrect entry is severely impacting your score. You state that you have reviewed the information on *** website which further confirms that this report is fraudulent. 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 December 6, 2024, AT&T Mobility, placed the above referenced account with CRM for collection in the amount of $1,739.54.
  On December 9, 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 January 25, 2025, the account was credit reported to Experian and on January 26, 2025, the account was credit reported to ********** in compliance with Fair Credit Reporting Act (FCRA).
  As per records, on January 31, 2025, *** receive a call from you upon which *** was notified about fraud. The account was placed in fraud status.
  On February 1, 2025, *** was notified about dispute through ****. The account was placed in dispute status.
  On February 3, 2025, *** was notified about dispute through BBB complaint. The account was placed in dispute status. *** notified the creditor of the dispute. As per the creditor This account stands for an AT&T;s postpaid wireless service for 1 line (during account lifetime)ending number 3117. Account was opened on 04/15/2022 and cancelled on 07/02/2022 due to non-payment. No payments processed on the account found on records. 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 1 financed device with ending number 3117 found on records. Charges are valid due to customer acceptance of contract and Terms & Conditions under the name of ****** *****. On the same day, CRM mailed you the fraud packet.
  On February 7, 2025, the creditor recalled the account. *** closed the account and returned it to the creditor.
  As per records, on February 12, 2025, CRM received a call from you upon which CRM informed you that the account is recalled by the creditor and requested you to contact 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 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.CRM 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.

• Initial Complaint

  Date:01/30/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt because I have paid CREDENCE RESOURCE MANAGEMENT off long time ago and they have it open and still affecting my credit and other stuff I talk to them on the phone and it was resolved.

  Business Response

  Date: 02/20/2025

  CRM REFERENCE NUMBER: 351695573;
  CREDITOR NAME: *****************;
  CREDITOR ACCOUNT NUMBER: *********;
  
  **********************, LLC (CRM) has received your January 31, 2025, complaint filed with the Better Business Bureau and understands that you state that you are not liable for this debt because you state that you have paid CRM off long time ago and you state that CRM have it open. You state that its still affecting your credit and other stuff.  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 31, 2024, *****************, placed the above referenced account with CRM for collection in the amount of $254.78.
  On September 9, 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 October 21, 2024, the account was credit reported to ********** and on October 22, 2024, the account was credit reported to Experian in compliance with Fair Credit Reporting Act (FCRA).
  On January 16, 2025, *** was notified about dispute through ****. The account was placed in dispute status.*** updated the tradeline to reflect as disputed.
  On January 31, 2025, *** was notified about dispute through BBB complaint. The account remained on dispute status.
  On February 7, 2025, *** was notified about dispute through ****. The account remained on dispute status.
  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:01/30/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Im not liable for this debt with CREDENCE RESOURCE MANAGE, I do not have a contract with this collection agency thats trying to collect. They did not provide me with the original contract as requested.

  Customer Answer

  Date: 01/30/2025

  I dont have any documentation from this company. I noticed this was on my credit as of November 2024. Im asking for this to be removed from credit report due to not receiving proper validation as my right per FCRA.

  Sincerely,

  Rocky McCurdy 

  Business Response

  Date: 02/14/2025

  CRM REFERENCE NUMBER: 278793628;
  CREDITOR NAME: AT&T Uverse;
  CREDITOR ACCOUNT NUMBER: *********;
  
  **********************, LLC (CRM) has received your February 3, 2025, 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 *** thats trying to collect. 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 AT&T Uverse, and is not the original creditor.
  On November 6, 2024, AT&T Uverse, placed the above referenced account with CRM for collection in the amount of $260.95.
  On November 7, 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 December 29, 2024, the account was credit reported to Experian and Transunion in compliance with Fair Credit Reporting Act (FCRA).
  As per records, January 6, 2025, CRM received a call from you upon which CRM was notified about dispute. The account was placed in dispute status. *** updated the tradeline to reflect as dispute.
  On January 7, 2025, *** was notified about dispute through ****. The account remained in dispute status.
  On January *******, *** was notified about dispute through ****. The account was placed in dispute status.
  On February 3, 2025, *** was notified about dispute through ****. The account remained in dispute status. *** notified the creditor about the same. As per the creditor Balance Sustained. Charges sustained due to customer requesting debt validation, please send duplicate bills via *** to customer for review, customer can obtain a copy of their contract at **************************************************.
  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.

• Initial Complaint

  Date:01/30/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Said company trying to collect for a **** network account. Will not and refuses todo so when asked to send paperwork through the mail. I don't know if this a legit company or not I need proof! They said they can only send it by email. I don't do business via email cause anyone can send email. They were very belligerent and rude and just plain nasty! Also, they don't speak English maybe Indian from ***** dialect so it was somewhat hard to understand.

  Business Response

  Date: 02/21/2025

  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:01/30/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am 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: 02/13/2025

  CRM REFERENCE NUMBER: 279643379;
  CREDITOR NAME: AT&T Mobility;
  CREDITOR ACCOUNT NUMBER: ************;
  
  **********************, LLC (CRM) has received your January 30, 2025, 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 December 6, 2024, AT&T Mobility, placed the above referenced account with CRM for collection in the amount of $755.27.
  On December 9, 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 January 25, 2025, the account was credit reported to Experian and on January 26, 2025, the account was credit reported to ********** in compliance with Fair Credit Reporting Act (FCRA).
  On January 30, 2025, *** was notified about cease and desist request through BBB complaint and ****. The account was placed in a restricted status. *** updated the tradeline to reflect as disputed. *** notified the creditor of the dispute. As per the creditor This account stands for an AT&T;s postpaid wireless service for 15 lines (during account lifetime) ending numbers 2623, 8281, *********, 1867, 6531, 1973, 2695, 3266, 4507, 9647, 6432, 4804, 8023, 2602. Account was opened on 08/11/2007 and cancelled on 09/28/2023 due to customer request to port out. Last payment processed on the account was on 11/22/2023 for $755.27,however was returned unpaid on 11/28/2023. There is usage reflected on the service during the time account was active. Balance stands for past-due billed service charges, late payment fees, and remaining balance of 1 financed device with ending number 8281 found on records. Charges & collection activities are valid due to customer acceptance of contract and Terms & Conditions under the name of ******** **.
  On February 5, 2025, *** was notified about dispute request through a correspondence. The account remained in dispute status.
  On February 10, 2025, the creditor recalled the account.CRM closed the account and returned it to the original creditor.
  Enclosed is the copy of validation received from the 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:01/30/2025

  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.

  Today, 1/29/2025 I received an alerts on my credit report indicating a derogatory remark. I learned that I may be a victim of fraud as I have never worked with Credence Resource or ever heard from them in any manner. I have no debt in collections, therefore, this is a scam or an attempt to collect money from me illegally. Company:CREDENCE RESOURCE MANA Address:******************************************************************************************* Activity:Grid Code G (Collections)Balance Date:Jan 26, 2025 Balance:$135.00

  Business Response

  Date: 02/20/2025

  CRM REFERENCE NUMBER: 279665503;
  CREDITOR NAME: AT&T Uverse;
  CREDITOR ACCOUNT NUMBER: *********;
  
  **********************, LLC (CRM) has received your January 30, 2025, complaint filed with the Better Business Bureau and understands that you state that on January 29, 2025, you received an alert on your credit reporting indicating a derogatory remark. You state that you learned that you may be a victim of fraud as you have never worked with CRM or ever heard from them in any manner. You state that you have no debt in collections, you state that therefore this is a scam or an attempt to collect money from me illegally. 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 December 9, 2024, AT&T Uverse, placed the above referenced account with CRM for collection in the amount of $135.35.
  On December 10, 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 January 25, 2025, the account was credit reported to Experian and on January 26, 2025, the account was credit reported to Transunion in compliance with Fair Credit Reporting Act (FCRA).
  On January 30, 2025, *** was notified about dispute through BBB complaint. The account was placed in dispute status. *** updated the tradeline to reflect as disputed. *** notified the creditor of the dispute. As per the creditor Balance Sustained, Dispute sustained, no specific dispute details and balance due for U-verse internet. *** should provide customer with statements to validate the debt.
  On February 4, 2025, *** was notified about dispute through ****. The account remained in dispute status.
  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.

  Customer Answer

  Date: 02/21/2025

  Dear BBB,
  
  It is clear that the invoice provided by Credence Resource Management LLC is an advertisement and fraudulent invoice with my name listed to an unknown address. How can a company be part of BBB and fraudulently request money from someone without proper documentation and authorization? This appears to be another attempt to provide my personal information to the fraudulent company in which I will not. Attached is the invoice from Credence Resource Management LLC and the alert I received on my credit report. This is very disturbing that BBB does not see these companies as fraudulent as there are several complaints made against this company. I will be file a police report with this invoice provided by Credence Resource Management LLC.
  
  
  ****** *****

  Customer Answer

  Date: 03/01/2025

  I have attached the Police Report for this fraudulent collection charge made by Credence Resource Management with AT&T.

  ****** *****

  Business Response

  Date: 03/07/2025

  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 have attached the Police Report for this fraudulent collection charge made by *** with AT&T. 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 3, 2025, CRM was notified about fraud through **** complaint. The account was placed on fraud status.
  
  On March 5, 2025, CRM mailed you the fraud packet.
  
  On March 4, 2025 and March 5, 2025, *** 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
  
  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.
  

  Customer Answer

  Date: 03/11/2025

  I have contacted AT&T directly to inform them of this collections agency along with submitting my claim. I will also be going to my local ************************** today to submit the documents from this collections agency and all communications regarding this dispute. 

  Customer Answer

  Date: 03/12/2025

  I have contacted AT&T directly to inform them of this collections agency along with submitting my claim. I will also be going to my local ************************** today to submit the documents from this collections agency and all communications regarding this dispute. 
  

• Initial Complaint

  Date:01/29/2025

  Type:Order 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 and I do not have a contract with CREDENCE RESOURCE MANAplus they did not provide me with the original application like I asked.Account No: ***** Amount Disputed: $495

  Business Response

  Date: 02/11/2025

  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: 02/21/2025

  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: 02/26/2025

  CRM REFERENCE NUMBER: 352122529;
  CREDITOR NAME:T-Mobile US, Inc.;
  CREDITOR ACCOUNT NUMBER: *********;
  
  **********************, LLC (CRM) has received your January 29, 2025, complaint filed with the Better Business Bureau and understands that you state that you are not liable for this debt and you state that CRM did not provide you with the application as requested for the account ********. You want CRM to provide you the validation of debt along with other supporting documents. You want *** to provide you the verification that you are licensed to collect debts in *********************** believe CRM violated the law. Based upon our research CRMs findings are as follows:
  *** is a collection agency working on behalf of *****************, and is not the original creditor.
  On November 19, 2024,*****************, placed the above referenced account with CRM for collection in the amount of $495.13.
  On November 20, 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 January 4, 2025, the account was credit reported to ********** and to Experian in compliance with the Fair Credit Reporting Act (FCRA).
  On January 29, 2025,CRM was notified about dispute through BBB complaint. The account was placed in a restricted status. *** updated the tradelines to reflect as disputed. *** notified the same to the creditor. As per the creditor Account start date -08/13/2022 Account End Date 03/23/2024 Cancelation Reason Non-Payment. Research & resolution - Account is activated as Individual-Regular postpaid account with billing person name Tyreial ********. Original billing responsible person is responsible for the charges billed on account. We found significant usage on account till dated 02/14/2024 billing cycle. We can see that customer made payment on account of $252.93 & $167.76 on dated 12/25/2023 &12/08/2023 which was backed out. As per Apply non return fee memo dated 05/07/2024 Home Internet device non return fee applied on account. We confirmed as per using device return tool Device ******************************** is not returned.  Charges billed on account are valid. Last payment date 01/20/2024 Last payment amount $25.00. Breakdown of Balance -Current Account Balance - $495.13 Statement Date - 01/14/2024 to 05/14/2024.Charges Restoration ($65.73), Dishonored check fee ($25.00), Device (**************** ($121.00), Late fee ($43.16). OCA Fee NA Debt validation Dishonored Check fee- one time charge for the payment returned unpaid. Restoration fees valid for service restoration. Device Fees are valid due to pending Coverage Device Return. Service charges are valid for service rendered. Late fee is for late payments.
  CRM placed a request with the creditor, upon receipt CRM will mail you the copy of validation obtained from the original creditor.
  CRM is licensed and registered where required by law and our licensed information is available on the state regulators website and is public information.
  You may contact CRM at ************ for any further questions.
  
  *CRM COMPLIANCE DEPARTMENT.
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

• Initial Complaint

  Date:01/29/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt and I do not have a contract with CREDENCE RESOURCE MANA plus they did not provide me with the original application like I asked.Account No: ********* Amount Disputed: $356

  Business Response

  Date: 02/11/2025

  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: 02/21/2025

  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: 02/26/2025

  CRM Reference Number: 275217592;
  Creditor Name: DISH;
  Creditor Account Number: ****************;
  
  **********************, LLC (CRM) has received your January 29, 2025, complaint filed with the Better Business Bureau and understands that you state that you are not liable for this debt. You state that you do not have a contract with ***. You state that *** did not provide you the original contract as requested. You state that you dispute the validity of this account. You want CRM to provide you validation of debt and other supporting documents. You want *** to provide Verification stating *** are licensed to collect debts **************. 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 29, 2024, DISH, placed the above referenced account with CRM for collection in the amount of $356.44.
  On January 30, 2024, CRM mailed you the validation notice of this debt advising you of your right to dispute the debt or request for validation of the debt within 30 days. *** has no record of this letter being returned undelivered and no record of you disputing the debt or requesting validation during the 30 day period.
  On March 16, 2024, the account was credit reported to Experian and Transunion in compliance with the Fair Credit Reporting Act (FCRA).
  On September 25, 2024, CRM was notified about fraud through ****. The account was placed in a restricted status. *** updated the tradelines to reflect as disputed.  On September 26, 2024, CRM mailed you the fraud packet.
  On October 14, 2024, *** investigated the fraud claim and responded to it through the *****
  On October 15, 2024, and on October 17, 2024, CRM requested its entry be removed from Experian and Transunion respectively. 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.
  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 January 29, 2025, *** was notified about dispute through BBB complaint. The account was placed in a restricted status.
  
  You may contact CRM at ************ for any further questions.
  
  *CRM COMPLIANCE DEPARTMENT.
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.