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:05/16/2024

  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.

  This company comes up on my credit report.***** never lived in ******Altbouch a family ymayhave my personal information and used it.

  Business Response

  Date: 05/29/2024

  CRM REFERENCE NUMBER: 258910956;
  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 that you state that CRM comes up on your credit report. You state that you have never lived in *****. You believe a family may have your personal information and used it. 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 11, 2021, AT&T Mobility, placed the above referenced account with CRM for collection in the amount of $533.78.
  On February, 2021, 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 3, 2021, the account was credit reported to Transunion and to Experian in compliance with Fair Credit Reporting Act (FCRA).
  On May 16, 2024, CRM was notified about fraud through BBB complaint. The account was placed in restricted status. On May 17, 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.
  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:05/16/2024

  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 writing to file a formal complaint against Credence Resource Management, a debt collection agency, regarding account number *************.On March 11, 2024, I sent a dispute letter to Credence Resource Management requesting verification of a debt they claimed I owed. According to the Texas Finance Code, the debt collector is required to verify the debt within 30 days of receiving such a request. Despite this legal requirement, Credence Resource Management continued their collection activities without providing the necessary verification within the stipulated time frame.I dispute the validity of the debt in question as I do not believe I owe any creditor the amount they are claiming. Prior to discovering this alleged debt on my credit report, I had no knowledge of its existence. The actions of Credence Resource Management have caused undue stress and have negatively impacted my credit report.I believe that Credence Resource Management has violated my rights under the Texas Finance Code, and I demand that this invalidated account be removed from my credit report immediately. I am seeking the assistance of the Better Business Bureau to resolve this matter promptly and ensure that such violations do not occur in the future.Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution.

  Business Response

  Date: 06/05/2024

  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: 06/14/2024

  CRM Reference Number: 350646249
  Creditor ************** Inc.
  Creditor Account Number: *********

  
  **********************, LLC (CRM) has received your May 16, 2024 complaint filed with the Better Business Bureau and understands that you state On March 11, 2024, I sent a dispute letter to Credence Resource Management requesting verification of a debt. You dispute the debt and do not have knowledge of its existence. Based upon our research CRMs findings are as follows:
  On January 12, 2024, ************* placed the above referenced account with CRM for collection in the amount of $1623.28
  On January 15, 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 undelivered and no record of you disputing the debt or requesting validation during the 30-day period.
  On March 2, 2024, the account was credit reported to Experian and Transunion, in compliance with the Fair Credit Reporting Act (FCRA).
  On March 7, 2024, CRM was notified of dispute through CRAs.On March 12, 2024 CRM received your correspondence disputing the debt and requesting for validation. Also communicate in writing. Account was moved to dispute status and CRM updated your credit report to reflect as disputed.
  On March 26, 2024 CRM sent an itemized statement and contract copy to you. The billing statement provided by CRM confirmed the amount sought by CRM is the same amount the creditors records reflect as owed.
  CRM has requested for an itemized statement with the creditor upon receipt will be mailing you the same.
  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.

  Im not liable for this debt with ATT. I do not have a contract with Credence Resource Management. They did not provide me with original contract as requested.

  Customer Answer

  Date: 05/21/2024

  I have any documents regarding the debt. I only know about it because its on my credit report; because of this my credit score is negatively impacted. Along with contacting this agency I am also reporting my identity stolen with FTC  regarding the above debt with ATT 

  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: 258286573;
  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 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 you did not receive original contract from CRM 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 December 23, 2020, AT&T Mobility, placed the above referenced account with CRM for collection in the amount of $1,060.42.
  On February 13, 2023, CRM emailed you the validation notice along with the settlement offer advising you of your right to dispute or request validation of the debt within *************************************************************************************************************** requesting validation during the 30-day period.
  On April 1, 2023, the account was credit reported to Experian and on April 2, 2023, the account was credit reported to Transunion in compliance with Fair Credit Reporting Act (FCRA).
  On May 8, 2024, CRM was notified about dispute through CRAs.The account was placed in restricted status. CRM updated the tradeline to reflect as disputed.
  On May 16, 2024, CRM was notified about dispute through BBB compliant. The account was placed in dispute status. CRM notified the creditor about the same. As per the creditor This account stands for an AT&T;s postpaid wireless service for 1 line (during account lifetime) ending number 6847. Account was opened on 08/05/2018 and cancelled on 10/14/2018 due to non-payment. Last payment processed on the account was on 09/26/2018 for $312.32, however was returned unpaid on 09/28/2018. Account holder 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 6847 found on records. Charges are valid due to customer acceptance of contract and Terms & Conditions under the name of ********************************.
  On May 17, 2024, CRM was notified about dispute through 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:05/16/2024

  Type:Sales and Advertising 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 Management LLC a Debt Collector sent me a letter dated April 8, 2024 Reference *********. Stating your creditor has authorized our office to accept a payment in the amount of $238.57. Information shows **** Mobility account # ************ as of June 7, 2023 you owed $340.81 amount due now. I have never opened an account with **** Mobility and therefore, I do not owe them any money.

  Business Response

  Date: 05/29/2024

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

• Initial Complaint

  Date:05/15/2024

  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.

  Credence Resource Management is reporting to Equifax, ********************* that I owe them $735 for an account with the #**********. I dispute this debt, AGAIN. I have not supplied proof under the doctrine of estoppel by silence, ********** vs ******* (mo) 281 SW 715 179. There is no proof of the alleged account, nor therefore any such debt, in fact therefore exists and is bona fide. Nevertheless, I am unable to find any bona fide documentation of any contractual relationship between the above ***************** legally listing you/your company as a person/company entitled to enforce/furnish a commercial claim/payment history against me. I do not consent to any computer-generated bills that the company above made on their own & will attempt to provide as "verification" or "validation" (no computer generated "E-****** bills). E-***** does not comply with FCRA 611 (a)(2) due to it failing to include all relevant information regarding the dispute. I have asked for: 1. Consumer Notice as required under USC ****** & USC ****** 2. Account Ledger and monthly statements 3. Forward Flow Agreement, pursuant to 15 USC 1681a 4. Purchase Agreement, pursuant to 15 USC 1602 (k) 5. The account date of last activity, and payment notation To date, I have NOT received all 5. The company named above has previously deleted, then reinserted this account on my credit reports in an attempt to manipulate the beginning date, aside of the fact there is no bona fide contract of any sort to have a beginning date. Also this is a frivolous attempt to restart the statute of limitations. I have kept excellent records of my legally requested demands not being provided to me. A collection account cannot have a payment history, past due or monthly payment (ND, no data) and this collection account, has all of them & more. The company named above is also in violation of 18 USC 894.

  Business Response

  Date: 05/29/2024

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

• Initial Complaint

  Date:05/14/2024

  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 Management is reporting to Equifax, ********************* that I owe them $161 for an account with the #*********. I dispute this debt, AGAIN. I have not supplied proof under the doctrine of estoppel by silence, ********** vs ******* (mo) 281 SW 715 179. There is no proof of the alleged account, nor therefore any such debt, in fact therefore exists and is bona fide. Nevertheless, I am unable to find any bona fide documentation of any contractual relationship between the above ***************** legally listing you/your company as a person/company entitled to enforce/furnish a commercial claim/payment history against me. I do not consent to any computer-generated bills that the company above made on their own & will attempt to provide as "verification" or "validation" (no computer generated "E-****** bills). E-***** does not comply with FCRA 611 (a)(2) due to it failing to include all relevant information regarding the dispute. I have asked for: 1. Consumer Notice as required under USC ****** & USC ****** 2. Account Ledger and monthly statements 3. Forward Flow Agreement, pursuant to 15 USC 1681a 4. Purchase Agreement, pursuant to 15 USC 1602 (k) 5. The account date of last activity, and payment notation To date, I have NOT received all 5. The company named above has previously deleted, then reinserted this account on my credit reports in an attempt to manipulate the beginning date, aside of the fact there is no bona fide contract of any sort to have a beginning date. Also this is a frivolous attempt to restart the statute of limitations. I have kept excellent records of my legally requested demands not being provided to me. A collection account cannot have a payment history, past due or monthly payment (ND, no data) and this collection account, has all of them & more. The company named above is also in violation of 18 USC 894.

  Business Response

  Date: 05/24/2024

  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: 05/31/2024

  *** REFERENCE NUMBER: 264474488;
  CREDITOR NAME: *** Communications,Inc;
  CREDITOR ACCOUNT NUMBER: *********;
  
  **********************, LLC (***) has received your May 14,2024, complaint filed with the Better Business Bureau and understands that you state that you are not liable for this debt with ***. You state that *** has reported to Equifax,Transunion & Experian that you owe $161 for an account with the #*********. You state that you dispute this debt. You want *** to send you validation of debt along with other supporting documents. You state that the *** has previously deleted, then reinserted this account on your credit reports in an attempt to manipulate the beginning date, aside of the fact there is no bona fide contract of any sort to have a beginning date. You state that this is a frivolous attempt to restart the statute of limitations. You believe *** violated the law. 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 February 17, 2022,*** ******************** placed the above referenced account with *** for collection in the amount of $218.36.
  On March 16, 2022, *** 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 June 12, 2022, the account was credit reported to Experian, on June 13, 2022, the account was credit reported to Transunion and on June 25,2022, the account was credit reported to Equifax in compliance with Fair Credit Reporting Act (FCRA).
  On March 7, 2024, the creditor notified *** about the credit adjustment of $57.00. Same was applied to your account and the updated balance was $161.36.
  On April 8, 2024, *** was notified about CFPB complaint. The account was placed in dispute status. *** updated the tradeline to reflect as disputed. *** notified the creditor about the same. As per the creditor The debt of $161.36 is valid for now.
  On May 14, 2024, *** was notified about CFPB and BBB complaint. The account remained in restricted status.
  You may contact *** at ************ for any further questions.
  
  **** COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

• Initial Complaint

  Date:05/14/2024

  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.

  YOU ARE REPORTING FRAUDULENT AND UNVERIFIED INFORMATION ON MY CREDIT REPORT. I ask for a full discloser of this debt. I have not received my sign signature, original contract about this fraudulent contract. By law after 30 days this account is not mine. It has been 45 days and this account is not mine. Delete credence resources manage from my credit report. Delete this account asap. Stop harassing me about this account that has not been proven. You are reporting a fraudulent account on my credit report. Delete asap.

  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: 350496919;
  CREDITOR NAME: ******** US, Inc.;
  CREDITOR ACCOUNT NUMBER: *********;
  
  **********************, LLC (CRM) has received your May 14, 2024, complaint filed with the Better Business Bureau and understands that you state that CRM reported inaccurate information on your credit report. You state that CRM did not send you the full disclosure of this debt as requested. You state that you have not received original contract with your signature about this fraudulent contract. You want CRM to stop harassing you about this account which you believe has not been proven. 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 5, 2023, ******** US, ***** placed the above referenced account with CRM for collection in the amount of $1,036.06.
  On December 6, 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 January 20, 2024, the account was credit reported to Experian and Transunion in compliance with Fair Credit Reporting Act (FCRA).
  On May 14, 2024, CRM was notified about fraud through CFPB,BBB complaint and through CRAs. The account was placed in fraud status respectively. CRM notified the creditor about the same. As per the creditor Account start date - 05/26/2021, Account End Date - 04/05/2023, Bill cycle date - 27,Advice account type is Individual-Regular as postpaid activated and BRP's name is ***************************. Usage found till 04.01.2023. Last payment on date 01/06/2023 of $78.75. Current account balance is $1,036.06 which consists of service $283.5, late fee $63.26, restoration fee $93.6, Assurant $57.24, equipment $113.26,lease $304.56, including OCA fee $120.64, Last payment date - 01/06/2023. Service charges are valid for service rendered. Equipment charge is valid for pending equipment due. Late fee is incurred for late payments and one-time charges to restore sub from suspension. Lease charges are valid due to lease equipment payment due. Assurant charges are valid for insurance warranty and mobile security.
  On May 15, 2024, CRM mailed you the fraud packet.
  On May 17, 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:05/14/2024

  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 ******** or with CREDENCE RESOURCE MANAGEMENT, I do not have a contract with this collection company named CREDENCE RESOURCE MANAGEMENT. They did not provide me with an original contract as requested.I demand a correction to my credit report immediately, and this account to be removed from my credit reports.

  Business Response

  Date: 05/24/2024

  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: 05/31/2024

  CRM REFERENCE NUMBER: 350637304;
  CREDITOR NAME: ******** US, Inc.;
  CREDITOR ACCOUNT NUMBER: *********;
  
  **********************, LLC (CRM) has received your May 14,2024, complaint filed with the Better Business Bureau and understands that you state that you are not liable for this debt with ******** or with CRM. You state that you do not have a contract with this CRM. You state that CRM did not provide you with an 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 10, 2024,******** US, ***** placed the above referenced account with CRM for collection in the amount of $866.04.
  On January 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 March 2, 2024, the account was credit reported to Experian and to Transunion in compliance with Fair Credit Reporting Act (FCRA).
  On May 14, 2024, CRM was notified about dispute through BBB complaint and through CRAs. The account was placed in dispute status respectively.
  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 CRM at ************ for any further questions.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

• Initial Complaint

  Date:05/14/2024

  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.

  Credence Resource Management keeps calling me. When I say hello, the line is open for six seconds and then thy hang up. When I call them back, a recording says to Press 1 if I wish to make a payment. When I stay on the line, the phone is always answered by what is clearly a call center outsourced to *****. There is no information about what the debt is for

  Business Response

  Date: 05/24/2024

  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: 05/31/2024

  Credence Resource Management, LLC (CRM) has received your May 14, 2024 complaint filed with the Better Business Bureau and understands that you state you have received multiple calls from CRM. You state that when you say hello, the line is open for six seconds and then CRM hang up. Based upon our research, CRMs findings are as follows:
  CRM is a debt collection agency that has been hired to collect on a past due debt. Telephone number ************ was listed on the responsible consumers credit report. You have advised that this number belongs to you. You are not the responsible consumer for the account. Calls were placed to ************ in accordance with federal and state regulations.
  CRM has removed your telephone number from the account and will not place any further calls to you regarding this account.
  

  *CRM Compliance Department
  **This communication is from a debt collector.

• Initial Complaint

  Date:05/14/2024

  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 Management, a debt collector has sent 4 text messages and continues to send text message alleging I owe a debt with ending account number 9711. I have sent ********************** a verfication, validation, and cease and desist notice (unless to verify the debt by certified mail). Credence did not verify or validate the debt and is in direct violation of the cease and desist notice. The most recent text was sent May 8, 2024 at 2:13pm (screenshot attached). I did not receive any mail by Credence outlining the alleged debt they state I owe. These text messages violate my privacy and violates the Telephone Consumer Protection Act (TCPA) in which I am not to be contacted unless consent is provided by me. Credence, debt collector's actions are harassing, abusive, and inconvenient and has caused harm to me as a consumer. Credence Resources Management must cease and desist ALL direct and indirect communication to me unless it is to both validate and verify by providing all verification information as stated and bulleted in the attached verification/cease and desist noticed. Failure to 100% accurately provide verification must result in cease and desist of the alleged debt.

  Business Response

  Date: 05/24/2024

  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: 05/31/2024

  CRM REFERENCE NUMBER: *********;
  CREDITOR NAME: AT&T UVERSE;
  CREDITOR ACCOUNT NUMBER: *********;
  
  CRM REFERENCE NUMBER: *********;
  CREDITOR NAME: AT&T UVERSE;
  CREDITOR ACCOUNT NUMBER: *********;
  
  **********************, LLC (CRM) has received your May 14,2024, complaint filed with the Better Business Bureau and understands that you state that CRM, a debt collector has sent 4 text messages and continues to send text message alleging you owe a debt with ending account number 9711. You state that you have sent CRM a verification, validation, and cease and desist notice (unless to verify the debt by certified mail). You state that CRM did not verify or validate the debt and is in direct violation of the cease and desist notice.  You state that you did not receive any mail by CRM outlining the alleged debt CRM state you owe. You believe these text messages violate your privacy and violates the Telephone Consumer Protection Act (TCPA) in which you are not to be contacted unless consent is provided by you.
  You want CRM to cease and desist ALL direct and indirect communication with you. 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.
  

  CRM REFERENCE NUMBER: ********* - On February 7, 2024, AT&T Uverse; placed the above referenced account with CRM for collection in the amount of $110.89.
  On May 14, 2024, CRM was notified about CFPB and BBB complaint. The account was placed in cease and desist status respectively. CRM notified the creditor about the same and is awaiting a response.
  
  CRM REFERENCE NUMBER: ********* - On January 30, 2024, AT&T Uverse; placed the above referenced account with CRM for collection in the amount of $225.00.
  On January 31, 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 March 16, 2024, the account was credit reported to Experian and to Transunion in compliance with Fair Credit Reporting Act (FCRA).
  On May 14, 2024, CRM was notified about CFPB and BBB complaint. The account was placed in cease and desist status respectively. CRM notified the creditor about the same and is awaiting a response.
  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.