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:07/17/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  CREDENCE RESOURCE MANA (Original Creditor: T-MOBILE)35096**** (EX)Date Opened: 04/01/2024 Balance: $246.00 As per the **** as a federally protected consumer, I am option out of any and all authorization I the consumer may have given you written, unwritten, verbal, non-verbally per 15 USC 6802. This account is listed as a charge-off which is a certificate of indebtedness. I am sure (CREDENCE RESOURCE MANA ) has filed a 1099c. Income cant be reported on a consumer report. My privacy was violated as per the Privacy Act 1974. This account needs to be removed from my consumer report. Privacy Act of 1974 (5 US Code 552a) Any and all consent to Equifax, Experian, and Transunion whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 (b)(c) states that A financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how the consumer can exercise that non-disclosure option. You never informed me of my right to exercise non-disclosure option. Not only that 15 USC 1681C (a)(5) states Except as authorized under subsection (b), no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.This account is as adverse item they are reporting again without my permission which is against the law. 15 USC 1681s-2 (A)(1) A 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. Pursuant to 12 CFR 1016.Purpose and scope.(a) Purpose. This part governs the treatment of non-public personal information about consumers by the financial institutions listed in paragraph (b) of this section.

  Business Response

  Date: 07/29/2024

  CRM REFERENCE NUMBER: 350966845;
  CREDITOR NAME: ******** US, Inc.;
  CREDITOR ACCOUNT NUMBER: *********;
  
  **********************, LLC (CRM) has received your July 18, 2024, complaint filed with the Better Business Bureau and understands that you believe that CRM violated your privacy. You state that CRM never informed you of your right to exercise non-disclosure option. You state that CRM reported inaccurate information to the CRAs. You state that this account needs to be removed from your consumer report. Based upon our research CRMs findings are as follows:
  CRM has reviewed your correspondence and would like to appraise you that CRM is a collection agency working on behalf of ******** US, ***** and is not the original creditor.
  On April 2, 2024, ******** US, ***** placed the above referenced account with CRM for collection in the amount of $246.70.
  On April 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 May 18, 2024, the account was credit reported to Experian and Transunion in compliance with Fair Credit Reporting Act (FCRA).
  On July 16, 2024, CRM was notified about cease through CFPB complaint. The account was placed in cease status.
  On July 17, 2024, the creditor recalled the account. CRM closed the account and returned it to the original creditor.
  On July 18, 2024, CRM was notified about dispute through BBB complaint.
  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.
  You may contact the creditor directly for any further queries
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

• Initial Complaint

  Date:07/17/2024

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

  Customer Answer

  Date: 07/17/2024

  I was out of country and my identity was stolen . I got a police report and ** still struggling to clear it . 

  Business Response

  Date: 08/01/2024

  CRM REFERENCE NUMBER: 350599833;
  CREDITOR NAME: ******** US, Inc.;
  CREDITOR ACCOUNT NUMBER: *********;
  
  **********************, LLC (CRM) has received your July 17, 2024, complaint filed with the Better Business Bureau and understands that you state that you are not liable for this debt with ********. You state that you do not have a contract with CRM. You state that CRM did not provide you 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 CRM is a collection agency working on behalf of ******** US,***** and is not the original creditor.
  On January 3, 2024, ******** US, ***** placed the above referenced account with CRM for collection in the amount of $390.27.
  On January 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 February 24, 2024, the account was credit reported to Experian and to TransUnion in compliance with the Fair Credit Reporting Act (FCRA).
  On July 17, 2024, CRM was notified about dispute through BBB complaint and through CRAs. The account was placed in dispute status respectively. CRM updated the tradeline to reflect as disputed.
  On July 22, 2024, CRM was notified about fraud through CRAs.The account was placed in fraud status. On July 23, 2024, CRM mailed you the fraud packet.
  For fraud related issues you can login to ****************************************************************************** and complete the fraud procedure. You must complete the fraud procedure for the creditor to investigate your claim. Failure to do so may result in the creditor continuing to pursue collection of the account.
  You may contact CRM at ************ for any further questions.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

• Initial Complaint

  Date:07/17/2024

  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 ********* I do not have a contract with Credence Resource Mana they did not provide me with original contract as I requested

  Customer Answer

  Date: 07/17/2024

  They havent send me nothing no documents or contract no emails they just appears in credit score

  Business Response

  Date: 08/01/2024

  CRM REFERENCE NUMBER: 350549464;
  CREDITOR NAME: ******** US, Inc.;
  CREDITOR ACCOUNT NUMBER: *********;
  
  **********************, LLC (CRM) has received your July 19, 2024, complaint filed with the Better Business Bureau and understands that you state that you are not liable for this debt with ********. You state that you do not have a contract with CRM. You state that CRM did not provide you with 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 CRM is a collection agency working on behalf of ******** US, ***** and is not the original creditor.
  On December 22, 2023, ******** US, ***** placed the above referenced account with CRM for collection in the amount of $779.43.
  On December 26, 2023, 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 February 10, 2024, the account was credit reported to Experian and Transunion in compliance with Fair Credit Reporting Act (FCRA).
  On July 17, 2024, CRM was notified about dispute through CRAs.The account was placed in dispute status. CRM updated the tradeline to reflect as disputed.
  On July 19,2024, CRM was notified about dispute through BBB complaint. The account remained in dispute status. CRM notified the creditor about the same. As per the creditor Account start date 03/12/2019, Account End Date -04/23/2023,Cancelation Reason non-payment. Account activated as individual regular post-paid account with billing person name *************************. As per  SUB Moved memo  dated 02/25/2023 From BAN ********* to BAN *********.******** does not currently have a reporting relationship with the credit bureaus, Customer is to contact the bureaus directly with their credit related dispute. As per our records customer was notified about the balance on account via late notice also made several calls to customer but went to answering machine. Last payment date 02/20/2023, Last payment amount ******, Breakdown of Balance Current Account Balance $779.43. Statement Date -01/14/2023 to 06/14/2023, *************** $324.57,late fee$84.59, restoration fee$217.55, OCA Fee *******. Debt validation Service charges are valid for service rendered. Late fee is for late payments and one time charges to restore sub from suspension. Restoration fee is valid for service restoration. 
  
  CRM placed a request with the creditor, upon receipt CRM will mail you the copy of validation obtained from the original creditor.
  
  You may contact CRM at ************ for any further questions.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

• Initial Complaint

  Date:07/16/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with Credence Resource Management. They did not provide me with the original account, as requested.

  Business Response

  Date: 07/29/2024

  CRM REFERENCE NUMBER: 275293614;
  CREDITOR NAME: AT&T MOBILITY;
  CREDITOR ACCOUNT NUMBER: ************;
  
  **********************, LLC (CRM) has received your July 17, 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 CRM 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 CRM is a collection agency working on behalf of AT&T Mobility, and is not the original creditor.
  On February 6, 2024, AT&T Mobility, placed the above referenced account with CRM for collection in the amount of $1,141.97.
  On February 7, 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 March 23, 2024, the account was credit reported to Experian and on March 24, 2024, the account was credit reported to Transunion in compliance with Fair Credit Reporting Act (FCRA).
  On June 25,2024, CRM was notified about fraud through CRAs. The account was placed in fraud status. CRM updated the tradeline to reflect as disputed. On June 26, 2024, CRM mailed you the fraud packet. CRM notified the creditor about the same.
  On July 10,2024, CRM was notified about fraud through CRAs. The account remained in fraud status. On July 11, 2024, CRM mailed you the fraud packet.
  On July 15,2024, CRM was notified about fraud through CRAs. The account remained in fraud status.
  On July 17, 2024, CRM was notified about dispute through BBB complaint. The account was placed in dispute status.
  For fraud related issues you can login to *********************************** and complete the fraud procedure. You must complete the fraud procedure for the creditor to investigate your claim. Failure to do so may result in the creditor continuing to pursue collection of the account.
  You may contact CRM at ************ for any further questions.

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

• Initial Complaint

  Date:07/16/2024

  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 felt coerced and intimidated into accepting a payment plan I can't afford. I tried explaining that I'm currently unemployed, and the woman (she spoke with an Indian accent and said her name is ***************************) asked invasive questions like if I'm on unemployment and said I should ask family and friends to help me pay the debt. I've also requested and even demanded physical evidence of the company's legitimacy and proof of the debt being sold to them but I've still received no proof. They've accepted my demands to communicate strictly through email and physical letter but their response time is poor and incredibly NOT helpful. It's put me in a severe state of distress as I gave them my account number and email during the call, and while nothing has been done to my bank account or email, I've suffered several panic attacks out of fear of something happening that I can't control. I've sent an email demanding and requesting they remove my bank info and that I want to send payments through the mail but it's been ignored. My phone also didn't have the ability to record calls so I'm unable to replay what all I agreed to while in a state of slight panic. The first payment is at the end of THIS month (July), and I've still not received any physical evidence of anything I've asked for. The first time they contacted me was a random phone call, spouting out my information including my name and address- which almost sent me into a panic attack during the call that I ended up having after the call ended.And this is more personal complaining than officially, but the use of a call center in another country (*****, but that isn't why I'm bothered) is incredibly frustrating and distressing. I don't want businesses in my country to have access to contact me, let alone anyone else in a different country. I find it incredibly shady, scummy, and unprofessional that credence is allowed to do this.

  Customer Answer

  Date: 07/17/2024

  I don't have any documents, physical or otherwise, to add to my complaint. I have screenshots of the emails I mentioned but I'm also unsure if they would count. During the call that Credence contacted me with (using thisnumber; ************, if that's important) on July fifth, I DID feel very pressured to accept a payment plan but I did not have the ability to record the call. The woman I spoke to, *****, said the call was recorded on their end but I don't have access to it, otherwise I'd include it here.
  

  I apologize if I did not understand the complaint system right and for any time wasted, and this isn't meant to be an "Oh pity me" response on my end. If possible, I'd like to fully retract this complaint and have it removed from the BBB website. While I wrote my issues with Credence in my complaint, I'm not sure I followed the template for a complaint properly and, admittedly, wrote it in a state of anxiety hoping that it speed up communications between myself and the Credence customer service, as well as help prevent someone else from dealing with a situation like this in the future.
  

  Business Response

  Date: 08/06/2024

  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: 08/06/2024

  I have not heard back anything about a check I had sent out July 24th, that tracking says arrived to Credence's PO box on ***** 27th. **************** told me they would notify me as soon as payment reflected in their accounts, but it's been over a week since the check was reported to have arrived and I've not gotten any indication they have even received it.

  I wouldn't be too upset at this if not for the supervisor I spoke to when I was changing the payment plan to mailing in checks trying very hard to convince me to pay with my bank account or through the website. I had to repeat myself, several times, that I was not comfortable with this and I was only going to be mailing in the payments (which were an AGREED upon fifty dollars at the end of every month). His tone was incredibly unprofessional and he came across as very frustrated that I didn't want to give my bank account information, despite me being the one dealing with collections. He was incredibly pressuring in trying to get me to do a different payment option, even vaguely threatening that my account would be delinquent if the payment wasn't accepted on time, but I don't see how that's my fault when I had did what I was told to do on my end- being filing out and sending the check. I had even paid for priority shipping to ensure it arrived on time.

  I don't have proof of when it arrived, but when i had first, reluctantly, agreed to paying through my card after succumbing to pressure on July 5th, I had only received a confirmation letter that I had requested to have around the time I sent out the check. Between July 19th and July 25th, i want to say, but i didn't think to document the day it arrived, so I'm only saying this to add to my point. The envelope was a regular one and unmarked, the only indication on the outside was the return address being Credence's PO box I sent the check to. I find how they conduct their business in collection INCREDIBLY unprofessional and predatory.
  

  Business Response

  Date: 08/07/2024

  *** REFERENCE NUMBER: *********;
  CREDITOR NAME: EPMG of ******** PA;
  CREDITOR ACCOUNT NUMBER: ******************;
  
  *** REFERENCE NUMBER: *********;
  CREDITOR NAME: EPMG of ******** PA;
  CREDITOR ACCOUNT NUMBER: **********   *******;
  
  Credence Resource Management, LLC (***) has received your July 17, 2024, complaint filed with the Better Business Bureau and understands that you state that you felt coerced and intimidated into accepting a payment plan which you can't afford. You state that you tried explaining that you currently unemployed, and the woman (she spoke with an Indian accent and said her name is ***************************) asked invasive questions like if you are on unemployment and said you should ask family and friends to help me pay the debt. You state that you also requested and even demanded physical evidence of the *** legitimacy and proof of the debt being sold to *** but you have still received no proof. You state that you don't want businesses in your country to have access to contact you, let alone anyone else in a different country. You state that you want to settle the debt, if possible. You want concrete evidence of the legitimacy of the collection agency. You want your personal information stricken from their records with evidence of such. 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 EPMG of ******** PA, and is not the original creditor.
  *** reference number: ********* - On June 21, 2024, EPMG of ******** PA, placed the above referenced account with *** for collection in the amount of $543.78.
  As per the records, on July 5, 2024, *** was able to establish contact with you, upon which you stated that you are unemployed and you are unable to pay the balance in full. The *** representative advised you for payment arrangements. You agreed upon on the same and you made payment arrangements with ***. The account was placed in payment arrangement status.
  On July 8, 2024, *** mailed you the payment arrangement letter.
  On July 9, 2024, on July 14, 2024, and on July 17, 2024,*** received multiple correspondence. The account remained in payment arrangement status.
  On July 17, 2024, *** was notified about BBB complaint. The account remained in payment arrangement status.
  On July 20, 2024, on July 23, 2024, *** received multiple correspondence.
  As per the records, on July 23, 2024, *** received a call from you, upon which you asked *** representative to cancel payment arrangements. The *** supervisor offered you $506.15 to close the account for less than the complete balance. You stated that you will mail in a payment of $50.00. The *** supervisor cancelled the payment arrangements and the account was placed in a promise status.
  On July 30, 2024, *** received a mailing payment of $50.00.Same was applied to your account and the updated balance was $493.78.
  *** has placed a request with the creditor, upon receipt *** will mail you the copy of validation obtained from the original creditor.

  *** REFERENCE NUMBER: ********* - On June 21, 2024, EPMG of ******** PA, placed the above referenced account with *** for collection in the amount of $468.52.
  On July 8, 2024, *** mailed you the payment arrangement letter.
  On July 17, 2024, *** was notified about BBB complaint. The account remained in payment arrangement status.
  *** has placed a request with the creditor, upon receipt *** will mail you the copy of validation obtained from the original creditor.
  You may contact *** at ************ for any further questions.
  
  **** COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

• Initial Complaint

  Date:07/16/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

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

  Customer Answer

  Date: 07/17/2024

  There was no debt validation provided.

  Business Response

  Date: 07/29/2024

  CRM REFERENCE NUMBER: 275067140;
  CREDITOR NAME: ******* Mobile;
  CREDITOR ACCOUNT NUMBER: **********;
  
  **********************, LLC (CRM) has received your July 17, 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 ******* mobile. You state that ******* mobile did not provide me with 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 CRM is a collection agency working on behalf of ******* Mobile, and is not the original creditor.
  On January 16, 2024, ******* Mobile, placed the above referenced account with CRM for collection in the amount of $425.41.
  On January 17, 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 24, 2024, the creditor notified CRM about the credit adjustment of 5.00. Same was applied to your account and the updated balance was $430.41.
  On March 2, 2024, the account was credit reported to Experian and Transunion in compliance with Fair Credit Reporting Act (FCRA).
  On July 16, 2024, CRM was notified about dispute through CRAs. The account was placed in dispute status. CRM updated the tradeline to reflect as disputed.
  On July 17, 2024, CRM was notified about dispute through BBB complaint. The account remained in dispute status. CRM notified the creditor about the same. As per creditor Account investigation has determined the charges on this account are valid.
  CRM placed a request with the creditor, upon receipt CRM will mail you the copy of validation obtained from the original creditor.
  You may contact CRM at ************ for any further questions.

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

• Initial Complaint

  Date:07/15/2024

  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 ***** I do not have a contract with Credence Resource management, they did not provide me with the original contract as requested.

  Customer Answer

  Date: 07/18/2024

  The company never sent any debt validation as requested. The only correspondence that was sent from them were text messages.  Did not receive mail or emails from them. I attached screenshots of the texts from the company. 

  Business Response

  Date: 07/30/2024

  CRM REFERENCE NUMBER: 275770037;
  CREDITOR NAME: AT&T UVERSE;
  CREDITOR ACCOUNT NUMBER: *********;
  
  **********************, LLC (CRM) has received your July 17, 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 CRM did not provide you 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 CRM is a collection agency working on behalf of AT&T Uverse, and is not the original creditor.
  On March 18, 2024, AT&T ************* placed the above referenced account with CRM for collection in the amount of $198.23.
  On March 19, 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 4, 2024, the account was credit reported to Experian and Transunion in compliance with Fair Credit Reporting Act (FCRA).
  On July 17, 2024, CRM was notified about dispute through BBB complaint. The account was placed in dispute status. CRM updated the tradeline to reflect as disputed.
  On July 26, 2024, the creditor recalled the account. CRM closed the account and returned it to the original creditor.
  CRM requested its entry be removed from Transunion and Experian. CRM cannot affect a change in whether the creditor or another entity has or will later report the account on your credit report. CRM also cannot affect a change as to when the credit bureau processes the deletion request CRM submitted relating to the account. CRM 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:07/15/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was contacted (via my landline telephone on 06/24/24) by two men with very thick accents. One asked if I lived @ **************************************************************************** and I responded "yes, I do". Then I was told that this call is being recorded and this is an attempt to collect a debt. I was then told that I owe $90 to ********************* of *********, **. I asked when did this bill occur and was told in July, 2015. At that VERY moment, I felt that I was getting ready to be scammed. So I told them both that I am going to call Concentra myself because I have ABSOLUTELY NO REASON to avoid paying my bills. I even asked them that since they have my address, why haven't they (Credence or Concentra) attempted to contact me in almost TEN YEARS? They gave me no answer. I then called Concentra of ********* and was told that I do indeed owe them $90. I asked why didn't they (CONCENTRA) let me know via mail, telephone, etc. I was told that I remitted a total of $32 in 2015 following the incident and my insurance was billed for the remainder. ********* informed me that they turned my account over to Credence in January, 2016. I can only assume that the $32 was remitted following receipt of an invoice. I have no way of knowing what happened regarding the insurance claim as my company has changed carriers a couple of times since that date. Nevertheless, I am filing a complaint against Credence because they have had this case since January, ********************************************************* the meantime, my credit has been greatly damaged because of their negligence, apathy and poor business practices. I am remitting the $90 to Concentra TODAY-NOT TO CREDENCE!! I am demanding that they rectify this issue with the credit bureau on my behalf. I shudder to think what would have happened had I not answered the phone on June 24th. It is my belief that there was some type of mix-up with my insurance. If Credence had been more responsible, this could have been cleared up MUCH SOONER!

  Business Response

  Date: 07/26/2024

  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: 07/30/2024

  *** REFERENCE NUMBER: 147016014;
  CREDITOR NAME: *********************;
  CREDITOR ACCOUNT **************;
  
  **********************, LLC (***) has received your July 15, 2024, complaint filed with the Better Business Bureau and understands that you state on 06/24/24 you were contacted (via my landline telephone) by two men with very thick accents from ***. You state that *** representative asked for your personal information. You state that you were then told that you owe $90 to ********************* of *********,**. You state that you even asked *** that since they have your address, why (Credence or Concentra) havent attempted to contact you in almost TEN YEARS. You state that you have no way of knowing what happened regarding the insurance claim as your company has changed carriers a couple of times since that date. 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 January 26, 2016, *********************, placed the above referenced account with *** for collection in the amount of $90.00.
  As per the records, on June 21, 2024, *** was able to establish contact with you, upon which the *** representative gave you the account information. You asked the *** representative to send you a bill. You stated that you were insured. The *** representative placed a request for the same.The account was placed in restricted status. On June 24, 2024, *** mailed you the verification of balance.
  As per the records, on July 11, 2024, *** received a call from you, upon which you notified *** about your complaint. The account was placed in restricted status.
  On July 15, 2024, *** was notified about dispute through BBB complaint. The account was placed in cease status and *** will not pursue collections on this account. *** notified the creditor about the same. As per the creditor For DOS 07/08/2015 patient insurance at the time Cigna was billed, ***** applied the full amount of $122.00 to the patients deductible. A check for $32.00 was posted towards the balance on 10/08/2015 leaving a remaining balance owed of $90.00 which was sent to collections on 01/25/2016.
  You may contact the creditor directly for any further queries
  

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

  Customer Answer

  Date: 07/31/2024

  Thank you so much for your in-depth investigation of my complaint. Nowhere in the correspondence, however, has it been divulged to me as to why a span of almost 10 years expired before Credence (AND/OR Concentra) reached out to me. I have asked BOTH organizations this question to no avail. Incidentally, the payment of $32 that was made by me, was done so following the receipt of an invoice for that amount. Since there was a remaining balance of $90, why wasnt I contacted? I stand firm in my belief that my records have somehow been mixed up with someone elses. But I digress. I would like to thank you for your time and consideration. At this point, I need to try to figure out how to clean up my record with the ************* (which was one of my requests made to Credence to do ),  following this debacle. 

  Customer Answer

  Date: 07/31/2024

  I am rejecting this response because:   I requested that Credence correct my Credit status with the credit bureau. It would seem this would be their responsibility since they kept the account (and the balance) in their possession for almost 10 years without reaching out to me. How was I to know if its existence? The credit bureau needs to know that CRM withheld this information from me. (WHY????) And now my credit status is damaged  for NO APPARENT REASON. 

  Business Response

  Date: 08/06/2024

  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 requested that Credence correct your Credit status with the credit bureau. You believe now your credit status is damaged for no apparent reason. Based upon our research CRMs findings are as follows:
  The account was placed in cease status and CRM will not pursue collections. CRM did not report this account to any of the credit bureaus.
  You may contact the creditor directly for any further queries
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

• Initial Complaint

  Date:07/12/2024

  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.

  These people fraudulently added a collection to my credit report I have never heard of them before

  Business Response

  Date: 08/02/2024

  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: 08/07/2024

  CRM REFERENCE NUMBER: 276671013;
  CREDITOR NAME: *** Communications, ****;
  CREDITOR ACCOUNT NUMBER: *********;
  
  **********************, LLC (CRM) has received your July 15, 2024, complaint filed with the Better Business Bureau and understands that you state that CRM has fraudulently added a collection to your credit report.You state that you have never heard of CRM before. Based upon our research CRMs findings are as follows:
  CRM has reviewed your correspondence and would like to appraise you that CRM is a collection agency working on behalf of *** Communications, **** and is not the original creditor.
  On May *******, *** Communications, ****, placed the above referenced account with CRM for collection in the amount of $1,258.53.
  On May 22, 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 July 7, 2024, the account was credit reported to Transunion and on July 13, 2024, the account was credit reported to Equifax and Experian in compliance with Fair Credit Reporting Act (FCRA).
  On July 13, 2024 and on July 14, 2024, CRM was notified about dispute through CRAs. The account was placed in dispute status. CRM updated tradeline to reflect as disputed. CRM notified the creditor about the same. As per the creditor the charges are valid.
  On July 15, 2024, CRM was notified about dispute through BBB complaint and CRAs. The account remained in dispute status.
  CRM placed a request with the creditor, upon receipt CRM will mail you the copy of validation obtained from the original creditor.
  You may contact CRM at ************ for any further questions.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

• Initial Complaint

  Date:07/12/2024

  Type:Customer Service 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.

  Yo, ******************* quiero hacer un complain sobre el celular ******* 23 porque desde que lo compr empez tener problemas y yo lo cambiado por tres ocasiones y tambin lo mand a reglar y pagu $250. Y despus el celular sigui con problemas. Yo no voy a seguir pagando por el celular porque no lo estoy usando y no sirve. Gracias espero tener buenas noticias y que me ayude

  Translation: I, *******************, want to make a complaint about the ******* 23 cell phone because since I bought it, it started having problems and I changed it three times and also sent it to be replaced and paid $250. And then the cell phone continued to have problems. I am not going to continue paying for the cell phone because I am not using it and it is useless. Thank you, I hope to have good news and that you help me.

  Business Response

  Date: 07/25/2024

  CRM REFERENCE NUMBER: 351346972;
  CREDITOR NAME: ******** US, Inc.;
  CREDITOR ACCOUNT NUMBER: *********;
  
  **********************, LLC (CRM) has received your July 15, 2024, complaint filed with the Better Business Bureau and understands that you state that you dispute this account. You want CRM to provide you the explanation of charges. Based upon our research CRMs findings are as follows:
  CRM has reviewed your correspondence and would like to appraise you that CRM is a collection agency working on behalf of ******** US,***** and is not the original creditor.
  On June 25, 2024, ******** US, ***** placed the above referenced account with CRM for collection in the amount of $1,541.91.
  On June 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.
  As per the records, on July 1,2024, CRM was able to establish contact with you, upon which you notified CRM about dispute. The account was placed in dispute status.
  As per the records, on July 5,2024, CRM received a call from you, upon which you notified CRM about dispute.The account was placed in dispute status.
  On July 8, 2024, CRM mailed you the copy of validation obtained from the original creditor.
  On July 15, CRM was notified about dispute through BBB complaint. The account was placed on dispute status.
  You may contact CRM at ************ for any further questions.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.