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:05/21/2024

  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.

  The problem is that I settled me debt with *** and showed proof to *** on everything. And for someone reason I have this debt collector contacting me saying I owe around $300. Claiming I had never canceled my service when I moved (I talked to *** and confirmed I did cancel it) but I have this debt collector contacting me to try and collect on a debt that I don't owe. When I asked for an itemized receipt. They couldn't even give me a receipt with my name. For receipts you enter your zip code and the info comes up. They won't give me a receipt, they won't show me what's actually owed, and they won't give me access to anything at all. They just expect me to call and pay it. These people are hard-core scammers. You can contact my email for video proof of them not giving me my receipt. (The attachment wont save on this cuz its too big) This has happened multiple times. Any zip code I put in where I've lived doesn't work. I am NOT responsible for this debt. And they refuse to give me any proof it is besides them telling me in an email what I owe. Even asked for itemized and no help at all. They just want to steal money. The police need to be called on this place as I'm pretty sure it's a federal offense what they're doing.

  Business Response

  Date: 06/04/2024

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

• Initial Complaint

  Date:05/21/2024

  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'm not liable for this debt with 11 At t. I do not have a contract with Credence Resource Management, they did not provide me with the original contract as requested.

  Customer Answer

  Date: 05/22/2024

  I have no paper work, mail or emails on this. I was in my credit report and saw these there and decided to take care of it.

  Business Response

  Date: 06/12/2024

  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: 06/19/2024

  CRM Reference Number: *********;
  Creditor Name: AT&T Mobility;
  Creditor Account Number: ************;
  **********************, LLC (CRM) has received your May 21, 2024 complaint filed with the Better Business Bureau and understands you state that you are not liable for the debt with AT&T. You state that you do not have a contract with CRM and that CRM did not provide you with the original contract as requested. You also state that you do not have any paperwork, mails or emails regarding this account. Based upon our research, CRMs findings are as follows:
  CRM is a collection agency working on behalf of AT&T and is not the original creditor. CRM doesnt need to have a contract in order to collect on the account.
  On November 23,2023 AT&T Mobility placed the above referenced account with CRM for collection in the amount of $438.05. On January 08, 2024 CRM sent you an initial collection notice notifying you of your right to dispute and request validation.
  On January 27,2024 the account was credit reported to Experian and TransUnion respectively in compliance with the Fair Credit Reporting Act, (FCRA).
  On May 21, 2024 CRM was notified of your dispute through the **** which is the same day when you filed the BBB complaint. The account was placed in dispute status and CRM updated the tradeline to reflect as disputed. CRM notified the creditor of the dispute and their records reflect the following This account stands for an AT&Ts postpaid wireless service for 1 line ending numbers 0379. AT&T Mobility forwarded the subject account to **********************, LLC for collections on the balance due. Credence Resource Management, LLC received the account from AT&T Mobility and acts as an agent on behalf of AT&T Mobility; therefore, the consumer would not have a contract with Credence Resource Management, LLC. Account was opened on 09/21/2020 and cancelled on 07/20/2021 due to port out. Last payment processed on the account was on 06/18/2021 for $92.76. 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 fee, monthly recurrent charge and balance of 1 financed device. Charges 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 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 continue with collection process.
  Validation information obtained from the client is attached with the response. The account remains in a restricted status.
  You may contact CRM at ************ for any further questions.
  *CRM Compliance Department
  **This communication is from a debt collector.

• Initial Complaint

  Date:05/20/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company sold my information to another company trying to collect a debt. The account is not mine and they couldn't validate this debt. I do not have a contract with this company. According to 15 USC 1681s-2 (a)(1)(a) they have violated my consumer rights.

  Customer Answer

  Date: 05/21/2024

  This is all I have for any correspondence.

  Business Response

  Date: 06/03/2024

  Credence Resource Management is investigating the complaint and will provide a full response shortly
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

  Business Response

  Date: 06/14/2024

  *** REFERENCE NUMBER: 275259953;
  CREDITOR NAME: AT&T MOBILITY;
  CREDITOR ACCOUNT NUMBER: ************;
  
  **********************, LLC (***) has received your May 21, 2024, complaint filed with the Better Business Bureau and understands that you state that *** has sold your information to another company trying to collect a debt. You state that the account is not yours and *** couldnt validate the debt. You state that you do not have a contract with ***. You believe *** has violated your consumer rights. 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 AT&T Mobility, and is not the original creditor.
  On February 2, 2024, AT&T Mobility, placed the above referenced account with *** for collection in the amount of $2,195.03.
  On February 2, 2024, *** 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 May 21, 2024, *** was notified about fraud through BBB compliant. The account was placed in dispute status. *** updated the tradeline to reflect as disputed. *** notified the creditor about the same. As per the creditor The customer is responsible for charges of 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 two (2) financed devices with ending numbers 2542 & 4592 found on records. Charges & Collection activity are valid due to customer acceptance of contract and Terms & Conditions under the name of ***************************. On May 23, 2024, *** mailed you the fraud packet.
  As per the records, on May 28, 2024, *** received a call from you, upon which you agreed to make a payment of $1448.72 to resolve the account for less than the complete balance. Same was applied to your account.On the same day, the creditor recalled the account. *** closed the account as resolved for less than the complete balance and returned it to the original creditor.
  As per the record, on May 29, 2024, *** received a call from you, upon which you requested for payment receipt via email. The *** representative requested for the same.
  On June 4, 2024, *** emailed you the payment receipt.
  You may contact the creditor directly for any further queries.
  

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

• Initial Complaint

  Date:05/20/2024

  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 11 XFinity Mobile; I do not have a contract Credence Resource Manage; they do not provide me with the original contract as I requested.

  Customer Answer

  Date: 05/20/2024

  Was not able to locate through emails; I truly believe this is a common mistake due to having an suffix on my name and disappointed when ******** decides to do such things to affect people credit without confirming who they are. 

  Business Response

  Date: 06/03/2024

  CRM REFERENCE NUMBER: 273430411;
  CREDITOR NAME: ***************
  CREDITOR ACCOUNT NUMBER: **********;
  
  **********************, LLC (CRM) has received your May 20, 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.
  CRM has reviewed your correspondence and would like to appraise you that CRM is a collection agency working on behalf of *************** and is not the original creditor.
  On September 26, 2023, *************** placed the above referenced account with CRM for collection in the amount of $1,323.17.
  On January 8, 2024, CRM sent an initial collection notice via text advising you of your right to dispute or request validation of the debt within 30 days after you received the notice. CRM has no record of that letter being returned undeliverable and no record of you disputing the debt or requesting validation during the 30-day period.
  On January 27, 2024, the account was credit reported to Experian and to Transunion in compliance with Fair Credit Reporting Act (FCRA).
  On May 20,2024, 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. CRM notified the creditor about the same. As per the creditor Account investigation has determined the charges on this account are valid.
  On May 29,2024, CRM was notified about CFPB complaint. The account was placed in fraud status.
  Although reported accurately and in compliance with the law, 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
  You may contact the creditor directly for any further queries.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

• Initial Complaint

  Date:05/20/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

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

  Customer Answer

  Date: 05/23/2024

  I have called them at ************ and did not get any validation of debt other than it was a ******* account. I asked for any signed contracts to be emailed or mailed to me and they do not have any on file. On 05/21 they sitll report this debt on my credit

  Business Response

  Date: 06/13/2024

  Credence Resource Management is investigating the complaint and will provide a full response 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: 06/21/2024

  *** REFERENCE NUMBER: 275283709;
  CREDITOR NAME: AT&T UVERSE;
  CREDITOR ACCOUNT NUMBER: *********;
  
  **********************, LLC (***) has received your May 20, 2024, complaint filed with the Better Business Bureau and understands you state that you are not liable for this debt with ***. You state that you do not have a contract with ***. You state that *** did not provide you with the original contract as requested. Based upon our research ***s findings are as follows:
  *** 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 February 5, 2024, AT&T Uverse, placed the above referenced account with *** for collection in the amount of $346.45.
  On February 6, 2024, *** mailed you the validation notice advising you of your right to dispute or request validation of the debt within *************************************************************************************************************** requesting validation during the 30-day period.
  On 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 May 20, 2024, *** was notified about dispute through BBB compliant. The account was placed in dispute status. On the same day, *** was notified about fraud through CRAs. The account was placed in fraud status. *** updated the tradeline to reflect as disputed. On May 21, 2024, *** mailed you the fraud packet.
  As per the records, on May 23, 2024, *** received a call from you, upon which you asked *** representative if this account will be deleted from your credit report after the account is paid. The *** representative explained you the credit deletion procedure. You agreed to pay the balance in full and the call was ended. Same was applied to your account and the updated balance was zero.
  On May 24, 2024, the account was recalled by the creditor.*** closed the account as paid in full and returned it to the original creditor.
  As per the records, on May 29, 2024, *** received a call from you, upon which you asked *** representative for payment receipt and you wanted to know by when this account would be deleted from your credit report.The *** representative explained you the credit deletion procedure. On the same day, *** emailed you the payment receipt.
  *** requested its entry be removed from Transunion and Experian. *** cannot affect a change in whether the creditor or another entity has or will later report the account on your credit report. *** also cannot affect a change as to when the credit bureau processes the deletion request *** 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.
  
  **** COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

• Initial Complaint

  Date:05/19/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company whom I do not even know or have signed any contract with placed this on my credit report fraudulently. I never opened an account with them, nor have signed any documents in this regard. Im trying to buy a house and they just ruined my credit score !

  Customer Answer

  Date: 05/20/2024

  I am not sure what youre requesting. I just found this collection acct on my credit report this weekend. I contacted the company on 5/19 and left a message and they have not contacted me back. I have never heard from them in the past, wasnt given 30-day ls to dispute the charges with them- they dont have a correct acct number that ******** (who they claim to be the original owner) identifies- they dont have my legal name- *** received no information about this collection account by them or anyone else. They havent followed the Fair Credit Reporting Act either-I have no documents to upload except whats on my credit report.

  Business Response

  Date: 06/03/2024

  CRM REFERENCE NUMBER: 350944017;
  CREDITOR NAME: ******** US, *****
  CREDITOR ACCOUNT NUMBER: *********;
  
  **********************, LLC (CRM)has received your May 20, 2024, complaint filed with the Better Business Bureau and understands that you state that CRM whom you do not even know or have signed any contract with placed this on your credit report fraudulently. You state that you never opened an account with CRM, nor have signed any documents in this regard. You state that you are trying to buy a house and CRM just ruined your credit score! 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 March 27, 2024, ******** US, ***** placed the above referenced account with CRM for collection in the amount of $303.79.
  On March 28, 2024, CRM mailed an initial collection notice advising you of your right to dispute or request validation of the debt within 30 days after you received the notice. CRM has no record of that letter being returned undeliverable and no record of you disputing the debt or requesting validation during the 30-day period.
  On May 18, 2024, the account was credit reported to Experian and to Transunion in compliance with Fair Credit Reporting Act (FCRA).
  On May 19, 2024, CRM was notified about fraud through CRAs.The account was placed in fraud status.
  On May 20, 2024, CRM was notified about CFPB complaint and BBB complaint. The account was placed in restricted status respectively. CRM notified the creditor about the same. As per the creditor Account start date -09/24/2021, Account End Date - 02/03/2022, Bill cycle date - 25, Advice account type is Individual-Regular as postpaid activated and BRP's name is *******************.Usage found till 10.29.2022. A payment on date 10/24/2021 of $65.00, which was posted against past due balances, still account left with remaining balance is valid. Advise we have reviewed 'Device return tool' equipment not returned. Charges are valid on same. Current account balance is $303.79 which consist of service $171.79, late fee $43.24, equipment $35, Including OCA fee $53.76. Last payment date - 10/24/2021. Service charges are valid for service rendered. Equipment charge is valid for pending equipment due. Late fee is incurred for late payments. On May 20, 2024, CRM mailed you the fraud packet.
  On May 21, 2024, CRM was notified about fraud through CRAs.The account was placed in fraud status.
  On May 22, 2024, CRM was notified about CFPB complaint. The account was placed in restricted status. On May 22, 2024, CRM mailed you the fraud packet.
  CRM received multiple correspondence. The account was placed on restricted status respectively. On May 27, 2024, CRM emailed you the fraud packet.
  On May 28, 2024, and on May 29, 2024, CRM was notified about CFPB complaint. The account was placed in restricted status respectively.
  On May 31, 2024, the creditor recalled the account. CRM closed the account and returned it to the original creditor.
  For fraud related issues you can login to ****************************************************************************** and complete the fraud procedure. You must complete the fraud procedure for the creditor to investigate your claim. Failure to do so may result in the creditor continuing to pursue collection of the account.
  CRM requested its entry be removed from Transunion and Experian.CRM cannot affect a change in whether the creditor or another entity has or will later report the account on your credit report. CRM also cannot affect a change as to when the credit bureau processes the deletion request CRM submitted relating to the account. 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:05/19/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This business is claiming I own $138 to a telephone company. This is not accurate. They have not provided me with valid information on how they got those charges. The impacted negatively my credit score.

  Customer Answer

  Date: 05/21/2024

  These are screenshots from as early as April 23. I reached out to Tmobile to explain that I have no access to my sprint account. They never sent me any emails with a link to pay. They gave me a number to call and that number was not even valid. They transitioned from sprint to *******, kept charging me for months, and blamed me for not paying. They never helped, never gave me a direct link to pay, always saying this is all we can do and that is sprint that handles when they know sprint doesnt exist anymore. Its unethical to charge customers like this when the mistake is on their end. 

  Customer Answer

  Date: 05/21/2024

  These are screenshots from as early as April 23. I reached out to Tmobile to explain that I have no access to my sprint account. They never sent me any emails with a link to pay. They gave me a number to call and that number was not even valid. They transitioned from sprint to *******, kept charging me for months, and blamed me for not paying. They never helped, never gave me a direct link to pay, always saying this is all we can do and that is sprint that handles when they know sprint doesnt exist anymore. Its unethical to charge customers like this when the mistake is on their end. 

  Customer Answer

  Date: 05/21/2024

  These are screenshots from as early as April 23. I reached out to Tmobile to explain that I have no access to my sprint account. They never sent me any emails with a link to pay. They gave me a number to call and that number was not even valid. They transitioned from sprint to *******, kept charging me for months, and blamed me for not paying. They never helped, never gave me a direct link to pay, always saying this is all we can do and that is sprint that handles when they know sprint doesnt exist anymore. Its unethical to charge customers like this when the mistake is on their end. 

  Customer Answer

  Date: 05/21/2024

  Screenshots from Tmobile as early as April 2023. Claiming they cannot help because this is Sprint issue. Sprint doesnt exist and they know this, instead they kept billing me monthly when I reached out so many times to fine out whats going on. They gave me a number to call which was not valid back then. No one ever sent me an email or gave me a call to help me with the situation. Just kept billing me and acting like no one could help. Very unethical. 

  Business Response

  Date: 06/03/2024

  Credence Resource Management is investigating the complaint and will provide a full response shortly
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

  Business Response

  Date: 06/14/2024

  CRM REFERENCE NUMBER: 350969035;
  CREDITOR NAME: ******** US, Inc.;
  CREDITOR ACCOUNT NUMBER: *********;
  
  **********************, LLC (CRM) has received your May 20, 2024, complaint filed with the Better Business Bureau and understands that you state that CRM is claiming that you owe $138 to a telephone company. You state that this is not accurate. You state that CRM has not provided you with valid information on how CRM got these charges. You state that this has impacted negatively your credit score. 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 ******** 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 $138.52.
  On April 4, 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 April 18, 2024, CRM was notified about dispute through correspondence.The account was placed in dispute status.
  On May 3, 2024, CRM mailed you the copy of validation obtained from the original creditor.
  On May 17, 2024, and on May 18, 2024, CRM was notified about dispute through correspondence and through voicemail. The account was placed in dispute status respectively.
  On May 18, 2023, the account was credit reported to Experian and Transunion in compliance with Fair Credit Reporting Act (FCRA).
  On May 20, 2024, CRM was notified about dispute through BBB compliant. The account was placed in dispute status. CRM updated the tradeline to reflect as disputed. CRM notified the creditor about the same. As per creditor After sprint migration to ***. Customer used service till date **********. So charges are valid on account. Last payment on date 05/13/2023 of $14.45 which was posted against past due balances, still account left with remaining balance is valid. If customer has made any payment after, then need to provide proof of payment once received account will be treated accordingly.
  On June 14, 2024, CRM was notified about dispute. The account remained on restricted status.
  CRM placed a request with the creditor, upon receipt CRM will mail you the copy of validation obtained from the original creditor.
  You may contact CRM at ************ for any further questions.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

• Initial Complaint

  Date:05/18/2024

  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'm NOT liable for this debt with *** COMMUNICATIONS I DO NOT have a contract with CREDENCE RESOURCE MANAGEMENT they DID NOT provide me with the original contract as i requested

  Customer Answer

  Date: 05/24/2024

  They have never responded with anything 

  Customer Answer

  Date: 05/24/2024

  They have not sent anything 

  Customer Answer

  Date: 05/24/2024

  That's the letter I sent to them I want them removed from my transunion equifax and experian credit reports 

  Customer Answer

  Date: 05/24/2024

  That's the letter I sent to them I want them removed from my transunion equifax and experian credit reports 

  Business Response

  Date: 06/13/2024

  Credence Resource Management is investigating the complaint and will provide a full response 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: 06/13/2024

  So do we just wait and see what happens? 

  Business Response

  Date: 06/14/2024

  *** REFERENCE NUMBER: 275808370;
  CREDITOR NAME: *** Communications, Inc;
  CREDITOR ACCOUNT NUMBER: *********;
  
  **********************, LLC (***) has received your May 20, 2024, complaint filed with the Better Business Bureau and understands that you state that you are not liable for this debt with *** Communications. You state that you do not have a contract with ***. You state that *** did not provide you the original contract as requested. Based upon our research ***s findings are as follows:
  *** has reviewed your correspondence and would like to appraise you that *** is a collection agency working on behalf of *** ******************** and is not the original creditor.
  On March 21, 2024, *** ******************** placed the above referenced account with *** for collection in the amount of $215.46.
  On April 19, 2024, *** mailed you the validation notice advising you of your right to dispute or request validation of the debt within *************************************************************************************************************** requesting validation during the 30-day period.
  On May 11, 2024, the account was credit reported to Equifax, Experian and Transunion in compliance with Fair Credit Reporting Act (FCRA).
  On May 18, 2024 and on May 20, 2024, *** was notified about dispute through CRAs and BBB complaint. The account was placed in dispute status respectively. *** updated the tradeline to reflect as disputed.
  As per records, on May 23, 2024, *** received a call from you, upon which you asked *** to delete this from your credit report and you notified *** about dispute. The account was placed in dispute status.
  On May 24, 2024, and on May 25, 2024, *** was notified about dispute through CRAs. The account was placed in dispute status respectively.
  On June 4, 2024, *** was notified about AG compliant. The account was placed in restricted status.
  As per records, on June 7, 2024, *** received a call from you, upon which you *** representative if this would be deleted from your credit report upon paying this in full. The *** representative explained you that *** does not offer pay for delete and the call was ended. The account remained in restricted status.
  On June 8, 2024, *** was notified about fraud through CRAs.The account was placed in fraud status. On June 10, 2024, *** mailed you the fraud packet.
  Please login to *************************** complete the fraud procedure. You must complete the fraud procedure for the creditor to investigate your claim. Failure to do so may result in the creditor continuing to pursue collection of the account.
  You may contact *** at ************ for any further questions.
  
  **** COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

• Initial Complaint

  Date:05/16/2024

  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 11 AT T. I do not have a contract with {CREDENCE RESOURCE MANAGE}, They did not provide mewith the original contract as i requested.

  Customer Answer

  Date: 05/17/2024

  I have debt with 11 AT T which is ran through Credence Resource Manage 

  It says I owe $2645

  They have never called or sent me anything, retaining this debt. Please can you request verification, I dont believe the amount is correct, I dont even believe this is my debt. 
  csn u remove this debt from my credit report 

  Business Response

  Date: 06/13/2024

  Credence Resource Management, LLC (CRM) has been notified of your dissatisfaction with the response. 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: 06/21/2024

  CRM Reference Number: *********;
  Creditor Name: AT&T Mobility;
  Creditor Account Number: ************;
  **********************, LLC (CRM) has received your May 16, 2024 complaint filed with the Better Business Bureau and understands you state that you are not liable for the debt with AT&T. You state that you do not have a contract with CRM and that CRM did not provide you with the original contract as requested. Based upon our research, CRMs findings are as follows:
  CRM is a collection agency working on behalf of AT&T and is not the original creditor. CRM doesnt need to have a contract in order to collect on the account.
  On November 18,2023 AT&T Mobility placed the above referenced account with CRM for collection in the amount of $2,645.87. On January 08, 2024 CRM sent you an initial collection notice.
  On January 27,2024 the account was credit reported to Experian and TransUnion respectively in compliance with the Fair Credit Reporting Act, (FCRA).
  On February 05,2024 CRM was notified of your dispute through the **** Account was placed in dispute status and CRM updated the tradeline to reflect as disputed. On May 16,2024 CRM received another dispute through CRA and you filed a BBB complaint too. CRM forwarded your dispute to the creditor and their record reflects the following This account stands for an AT&T's postpaid wireless service for three (3) lines (during account lifetime) ending numbers 5057, 6614 & 6711.Account was opened on 08/17/2020 and cancelled on 12/02/2021 due to no payment.Last payment processed on the account was on 12/07/2021 for $ ******* returned unpaid 12/17/2021. First day of delinquency after cancellation was on 01/10/2022 with a balance of $ *******. AT&T has not sold this account.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 numbers 6614 & 6711 found on records. Charges &Collection activity are valid due to customer acceptance of contract and Terms & Conditions under the name of *************************. Please, continue with collection process.
  Validation information obtained from the client is attached with the response. The account remains in a restricted status.
  You may contact CRM at ************ for any further questions.
  *CRM Compliance Department
  **This communication is from a debt collector.

• Initial Complaint

  Date:05/16/2024

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

  Customer Answer

  Date: 05/17/2024

  I have no correspondence from them. It's on my credit report. 

  Business Response

  Date: 06/03/2024

  CRM REFERENCE NUMBER: 263368016;
  CREDITOR NAME: AT&T MOBILITY;
  CREDITOR ACCOUNT NUMBER: ************;
  
  **********************, LLC (CRM) has received your May 20, 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.
  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 November 23, 2021, AT&T Mobility; placed the above referenced account with CRM for collection in the amount of $389.41.
  On November 24, 2021, CRM mailed an initial collection notice advising you of your right to dispute or request validation of the debt within 30 days after you received the notice. CRM has no record of that letter being returned undeliverable and no record of you disputing the debt or requesting validation during the 30-day period.
  On January 17, 2022, the account was credit reported to Experian and to Transunion in compliance with Fair Credit Reporting Act (FCRA).
  On May 4,2022, CRM was notified about dispute through CRAs. The account was placed in dispute status. CRM updated the tradeline to reflect as disputed.
  On March 27,2023, CRM was notified about dispute through CRAs. The account was placed in dispute status.
  On March 17,2024, CRM was notified about dispute through CRAs. The account was placed in dispute status.
  On May 20,2024, CRM was notified about BBB complaint. The account was placed in dispute status. CRM notified the creditor about the same and is awaiting a response.
  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.

  Customer Answer

  Date: 06/03/2024

  To whom it may concern

  Attached is a copy of my credit report where it states that credence resource is the original creditor. This is a inaccuracy. And should be deleted from my credit report.  It also states that this was opened  this year. This should be remove after 7 years of the first  delinquency date but keeps changing every year to the current year. 

  Sincerely 

  ***********************;

  Customer Answer

  Date: 06/12/2024

  I am rejecting this response because:   

  To whom it may concern
  
  Attached is a copy of my credit report where it states that credence resource is the original creditor. This is a inaccuracy. And should be deleted from my credit report.  It also states that this was opened  this year. This should be remove after 7 years of the first  delinquency date but keeps changing every year to the current year. 
  
  Sincerely 
  
  ***********************;

  Business Response

  Date: 06/21/2024

  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