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:05/13/2024

  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.

  I'm being harassed by this company for something that I don't owe. They are sending me letters, calling me, and reported me to the credit agencies. I wrote them asking to provide a proof of debt and they din't respond, they continued with the harassment with out explanation. I never got an account with ***** and never paid a bill to this company because I have never used their services.

  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.

  Customer Answer

  Date: 05/24/2024

  I am rejecting this response because:   does not provide any answers to the original claim.

  Business Response

  Date: 06/03/2024

  CRM REFERENCE NUMBER: 275814379;
  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 you are being harassed by CRM for something that you dont owe. You state that CRM is sending you letters, calling you and has reported you to the credit agencies. You state that you wrote to CRM asking you to provide proof of debt and you state that CRM didnt respond. You state that CRM continued with the harassment without explanation. You state that you never got an account with AT&T. You state that you never paid a bill to AT&T as you never used their services. 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 21, 2024, AT&T Uverse, placed the above referenced account with CRM for collection in the amount of $151.60.
  On March 26, 2024, CRM mailed you the validation notice advising you of your right to dispute or request validation of the debt within *************************************************************************************************************** requesting validation during the 30-day period.
  On April 17, 2024, CRM was notified about dispute through a correspondence. The account was placed in dispute status. CRM notified the creditor about the same. As per the creditor Balance Sustained, No adjustment issued.
  As per the records, CRM received a multiple calls from you,upon which you notified CRM about dispute. The account was placed in restricted status respectively.
  On May 10, 2024, CRM mailed you the copy of validation obtained from the original creditor.
  On May 11, 2024, the account was credit reported to Experian and Transunion and in compliance with Fair Credit Reporting Act (FCRA).
  On May 14, 2024, CRM was notified about fraud through BBB compliant. The account was placed in fraud status. On the same day, the creditor notified CRM about the credit adjustment. Same was applied to your account on May 15, 2024, and the updated balance was zero.
  On May 15, 2024, CRM mailed you the fraud packet.
  On May 16, 2024, the creditor recalled the account. CRM closed the account as credited in full and returned it to the creditor.
  CRM requested its entry be removed from Transunion and Experian. CRM cannot affect a change in whether the creditor or another entity has or will later report the account on your credit report. CRM also cannot affect a change as to when the credit bureau processes the deletion request CRM submitted relating to the account. CRM has no control over whether the creditor places the account with another collection agency for continued collection.
  You may contact the creditor directly for any further queries
  

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

• Initial Complaint

  Date:05/13/2024

  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.

  Good morning during the Covid era I was hospitalized and had been in confinement. While during this time frame my personal belonging was stolen. Since then Ive have been release from the hospital and discovered the damages that was done Ive never been a partner with this company nor have any acknowledgment of the obligation.

  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: 274407650;
  CREDITOR NAME: ******* Xfinity Mobile;
  CREDITOR ACCOUNT NUMBER: **********;
  
  **********************, LLC (CRM) has received your May 13, 2024, complaint filed with the Better Business Bureau and understands that you state that you were hospitalized and were in confinement during the Covid era. You state that during this time frame your personal belonging was stolen. You state that since then you had been released from the hospital and you discovered the damages that were done. You state that you never have been a partner with CRM and you state that you dont have any acknowledgement of the obligation with CRM. 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 ******* Xfinity Mobile, and is not the original creditor.
  On November 24, 2023, ******* Xfinity Mobile, placed the above referenced account with CRM for collection in the amount of $1,184.54.
  On November 27, 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 December 6, 2023, the creditor notified CRM about the debit adjustment of $11.17. Same was applied to your account and the updated balance was $1195.71.
  On January 6, 2024, the creditor notified CRM about the debit adjustment of $5.00. Same was applied to your account and the updated balance was $1,200.71.
  On January 13, 2024, the account was credit reported to Experian and Transunion in compliance with Fair Credit Reporting Act (FCRA).
  On May 13, 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 the creditor Account investigation has determined the charges on this account are valid, Collections will continue. Pay means has been updated to cash.
  You may contact CRM at ************ for any further questions.
  

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

• Initial Complaint

  Date:05/13/2024

  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 filing this complaint against Credence Resource Management, LLC regarding an erroneous debt collection attempt and subsequent reporting to credit bureaus, which has significantly impacted my creditworthiness.On October 22, 2022, I purchased an iPhone 14 Pro *** on an installment plan from **** through Best Buy. However, due to dissatisfaction with the device, I returned it to Best Buy within the 14-day return window on November 4, 2022. Despite the return being properly processed by Best **** **** erroneously billed me for the device, including a one-time charge of $972.21, which supposedly represented the balance of the installment plan.Despite my repeated attempts to rectify this error by contacting both **** and Best **** the issue remained unresolved. Subsequently, the debt was sold to Credence Resource Management, LLC, who began aggressive collection attempts against me.**Here are the key points of my complaint:**1. The debt in question is entirely invalid, as I returned the device within the agreed-upon return period.2. Credence Resource Management, LLC failed to conduct a proper investigation into the validity of the debt before attempting collection.3. Despite providing ample evidence of the device return, including purchase and return receipts, Credence Resource Management, LLC continued its collection efforts and reported the debt to credit bureaus.4. The erroneous reporting by Credence Resource Management, LLC has severely impacted my credit score and financial well-being, causing undue stress and hardship.**Desired Resolution:**I request that Credence Resource Management, LLC immediately cease all collection attempts related to this invalid debt and remove any negative reporting from my credit file. Additionally, I seek compensation for the damages caused by their negligent handling of this matter.

  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: 274751496;
  CREDITOR NAME: AT&T MOBILITY;
  CREDITOR ACCOUNT NUMBER: ************;
  
  **********************, LLC (CRM) has received your May 13, 2024, complaint filed with the Better Business Bureau and understands that you state that the debt in question is entirely invalid and you state that you had returned the device within the agreed-upon return period. You state that CRM failed to conduct a proper investigation into the validity of the debt before attempting collection. You state that despite providing ample evidence of the device return, including purchase and return receipts, CRM continued its collection efforts. You state that CRM reported inaccurate information to the CRAs. 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, 2023, AT&T Mobility, placed the above referenced account with CRM for collection in the amount of $968.52.
  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 to Transunion in compliance with Fair Credit Reporting Act (FCRA).
  As per the records, on March 2, 2024, CRM received a call from you, upon which you notified CRM about dispute. The account was placed in restricted status. CRM updated the tradeline to reflect as disputed.
  On March 14, 2024, and on March 15, 2024, CRM was notified about dispute through CRAs. The account was placed in restricted status respectively. 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 0051. Account was opened on 10/23/2022 and cancelled on 0051 due to customer request. Last payment processed on the account was on 10/31/2022 for $168.24. Customer is responsible for the charges of usage reflected on the service during the time account was active. Balance stands for past-due billed charges, late payment fees, monthly recurrent charges, and balance of 1 financed device with ending numbers 0051 found on records. Charges are valid due to customer acceptance of contract and Terms & Conditions under the name of *************************.
  On April 12, 2024, CRM mailed you the copy of validation obtained from the original creditor.
  On May 13, 2024, CRM was notified about BBB complaint and CFPB complaint. The account was placed in cease and desist status.
  On May 16, 2024, and on May 17, 2024, CRM was notified about dispute through CRAs. The account remained in restricted status.
  On May 18, 2024, the creditor recalled the account. CRM closed the account and returned it to the original creditor.
  On May 23, 2024, CRM received your correspondence.
  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.

  Customer Answer

  Date: 06/02/2024

  I am rejecting this response because:   It does not give me any resolution. Please confirm Credence will cease any attempt of collection of said bogus debt.

  Business Response

  Date: 06/10/2024

  CRM REFERENCE NUMBER: 274751496;
  CREDITOR NAME: AT&T MOBILITY;
  CREDITOR ACCOUNT NUMBER: ************;
  
  **********************, LLC (CRM) has received your May 13, 2024, complaint filed with the Better Business Bureau and understands that you state that the debt in question is entirely invalid and you state that you had returned the device within the agreed-upon return period. You state that CRM failed to conduct a proper investigation into the validity of the debt before attempting collection. You state that despite providing ample evidence of the device return, including purchase and return receipts, CRM continued its collection efforts. You state that CRM reported inaccurate information to the CRAs. 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, 2023, AT&T Mobility, placed the above referenced account with CRM for collection in the amount of $968.52.
  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 to Transunion in compliance with Fair Credit Reporting Act (FCRA).
  As per the records, on March 2, 2024, CRM received a call from you, upon which you notified CRM about dispute. The account was placed in restricted status. CRM updated the tradeline to reflect as disputed.
  On March 14, 2024, and on March 15, 2024, CRM was notified about dispute through CRAs. The account was placed in restricted status respectively. 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 0051. Account was opened on 10/23/2022 and cancelled on 0051 due to customer request. Last payment processed on the account was on 10/31/2022 for $168.24. Customer is responsible for the charges of usage reflected on the service during the time account was active. Balance stands for past-due billed charges, late payment fees, monthly recurrent charges, and balance of 1 financed device with ending numbers 0051 found on records. Charges are valid due to customer acceptance of contract and Terms & Conditions under the name of *************************.
  On April 12, 2024, CRM mailed you the copy of validation obtained from the original creditor.
  On May 13, 2024, CRM was notified about BBB complaint and CFPB complaint. The account was placed in cease and desist status.
  On May 16, 2024, and on May 17, 2024, CRM was notified about dispute through CRAs. The account remained in restricted status.
  On May 18, 2024, the creditor recalled the account. CRM closed the account and returned it to the original creditor.
  On May 23, 2024, CRM received your correspondence.
  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:05/12/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  We had a prolonged dispute with **** over charges for our ***************** which we canceled in the beginning of July, 2023. Finally, in February, 2024, I spoke with a woman at **** who was able to explain the charges to me. I immediately mailed a check for the total amount of $337.21 with the payment slip from my January **** Universal Platinum Card from ********** Somehow, **** never got the notice that our outstanding bill for ********* was paid in full, in spite of several phone calls from us. Subsequently, our account was turned over to Credence, and the bill also negatively affected our credit rating. Credence has continued to dun us for this bill even after I emailed them documentation that the bill was settled and our case with ********* (account ending in 7078) has been closed. (See attachments.) My latest communication from them says that they have investigated our dispute and verified the charges on our account are valid! Our credit rating has always been high. We are an older couple, and this experience with **** and the continued unwarranted ******* by Credence has been very stressful for us.

  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.

  Customer Answer

  Date: 05/29/2024

  I am rejecting this response because:   The company's only response to date is that they will investigate my complaint further.  There is no resolution.  I am awaiting a better response from Credence.

  Business Response

  Date: 06/03/2024

  CRM REFERENCE NUMBER: 275949860;
  CREDITOR NAME: DIRECTV, LLC;
  CREDITOR ACCOUNT NUMBER: *********;
  
  **********************, LLC (CRM) has received your May 13, 2024, complaint filed with the Better Business Bureau and understands that you state that your account was placed with CRM and negatively affected your credit rating. You state that CRM continued to dun you for this bill even after you emailed the documentation to CRM that the bill was settled and your case with DirecTV had been closed. You state that your latest communication with CRM in which CRM states that they have investigated your dispute and verified the charges on your account and are valid. You state that your credit rating has always been high. You state that this experience with AT&T and continued unwarranted ******* by CRM has been very stressful to 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 DIRECTV, LLC, and is not the original creditor.
  On April 3,2024, DIRECTV, LLC, placed the above referenced account with CRM for collection in the amount of $337.21.
  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.
  As per the records, *** received multiple calls from you,upon which you notified CRM about dispute. The account was placed in restricted status.
  On April 24, 2024, CRM was notified about dispute through correspondence. The account was placed in dispute status. CRM notified the creditor about the same. As per the creditor Balance Valid. Charges on the account are for DTV service, NRF (No return information was sent in and CPE shows no return of equipment) Service cancel on 07/04/2023 due to non-payment. Balance sustained.
  On May 7, 2024, CRM mailed you the copy of validation obtained from the original creditor.
  On May 13, 2024, CRM was notified about dispute through BBB complaint. The account was placed in restricted status.
  On May 21, the account was credit reported to Experian and on May 22, 2024, the account was credit reported to Transunion in compliance with Fair Credit Reporting Act (FCRA).
  On May 24, 2024, and on May 29, 2024, CRM was notified about dispute through CRAs. The account was placed in dispute status respectively. CRM updated the tradeline to reflect as disputed.
  You may contact CRM at ************ for any further questions.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

  Customer Answer

  Date: 06/05/2024

  I am rejecting this response because:   The only correct response from CRM, as far as I am concerned, is that they have received numerous phone calls from me in an effort to correct the situation and get them to stop ******* me for a bill that was already paid to AT&T for ********* Account #********.  First of all, ********* (a subsidiary of AT&T) did not cancel our account in July, 2023 for non-payment and for not returning their equipment.  We called and cancelled the account because ********* was having a dispute with, I believe it was CBS, so that we no longer were able to get our local channels.  Not being able to watch our favorite shows had gone on for several months with no end in sight.  Upon canceling our account, we promptly returned AT&T's equipment as witnessed by the attached scan of their email to my husband.  ************** we were unable to access my husband's AT&T online account to see what they were charging us for after we cancelled our ********* service and so we disputed the charges.  This went on for several months until I was able to talk to someone at AT&T who explained the charges to me.  As stated in my original complaint, I then immediately mailed a check in the amount of $337.21 along with the stub from AT&T's January, 2024 statement.  ************** ********* apparently never received verification that this account had been paid in full.  After several phone calls to both CitiBank and AT&T, they emailed me confirmation that there is a zero balance for our ********* account, and we closed the account as witnessed by attachments to my original complaint.   After receiving CRM's referenced "validation letter", I called them and spoke to the representative, "***********************", who kept insisting that I should pay the $337. 21, which I had already paid back in February. He finally told me I could email CRM's ******************* my proof of payment, which I did on April 24, 2024.  See the attached scan of my email.  On May 2, 2024, they responded to my email stating that they had verified that the charges on my account were valid.  On May 6, 2024, they sent me an account summary of AT&T's bill for $337.21 from September, 2023!  They said I should contact their office if I have any questions or required any additional information.   Since all previous communication with CRM has gotten me nowhere, I felt it was time to take alternative action.  That is why I filed my complaint with the Better Business Bureau.  I subsequently initiated a dispute against CRM with Experian, which is ongoing.  How could I even pay the supposedly delinquent amount of $337.21 since the ********* account shows a zero balance and is closed?!  What more can I do to resolve this issue and get CRM resolve their issue with *********?

  Business Response

  Date: 07/25/2024

  Credence Resource Management, LLC (CRM) has received your complaint filed with the Better Business Bureau and understands that you state that you are rejecting CRMs response. You state that you dispute this account. Based upon our research CRMs findings are as follows:
  The account was placed in cease status and CRM will not pursue collections.
  Although reported accurately and in compliance with the law, over the weekend CRM will send an account deletion request to the bureaus. Please be informed that CRM cannot affect a change as to when the credit bureaus processes the deletion request that CRM submits relating to the account.
  You may contact the creditor directly for any further queries
  

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

  Customer Answer

  Date: 07/29/2024

  I have reviewed the business response and accept this resolution. 

• Initial Complaint

  Date:05/12/2024

  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.

  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: 05/13/2024

  I had an conversation over the phone. 

  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: 273307013;
  CREDITOR NAME: AT&T UVERSE;
  CREDITOR ACCOUNT NUMBER: *********;
  
  **********************, LLC (CRM) has received your May 13, 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 September 19, 2023, AT&T Uverse, placed the above referenced account with CRM for collection in the amount of $64.02.
  On September 20, 2023, 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 November 6, 2023, the account was credit reported to Experian and on November 7, 2023, the account was credit reported to Transunion in compliance with Fair Credit Reporting Act (FCRA).
  On May 13, 2024, CRM was notified about dispute through BBB compliant. The account was placed in dispute status. CRM updated the tradeline to reflect as disputed.
  You may contact CRM at ************ for any further questions.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

• Initial Complaint

  Date:05/11/2024

  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 AT T, I DO NOT HAVE CONTRACT WITH CREDENCE RESOURCE MA, They did not provide me with the original contract as I requested

  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: 275752119;
  CREDITOR NAME: AT&T MOBILITY;
  CREDITOR ACCOUNT NUMBER: ************;
  
  **********************, LLC (CRM) has received your May 13, 2024, complaint filed with the Better Business Bureau and understands that you state that you are no liable for this debt with CRM. You state that you do not have 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 Mobility, and is not the original creditor.
  On March 16,2024, AT&T Mobility, placed the above referenced account with CRM for collection in the amount of $7,073.71.
  On March 18, 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 Transunion and to Experian in compliance with Fair Credit Reporting Act (FCRA).
  On May 13, 2024, CRM was notified about BBB complaint. The account was placed in restricted status. On May 14, 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:05/10/2024

  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 **** with charter communications, I do not have contract with CREDENCE RM, they did not provide me with the original contract as i requested.

  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: 275519150;
  CREDITOR NAME: AT&T UVERSE;
  CREDITOR ACCOUNT NUMBER: *********;
  
  **********************, LLC (CRM) has received your May 13, 2024, complaint filed with the Better Business Bureau and understands that you state that you state that you are no liable for this debt with charter communications. You state that you do not have 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 no affiliation with charter communications, the agency referred to by you in your complaint.
  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 February 26, 2024, AT&T Uverse, placed the above referenced account with CRM for collection in the amount of $88.52.
  On February 27, 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 April 13, 2024, the account was credit reported to Transunion and to Experian in compliance with Fair Credit Reporting Act (FCRA).
  On May 13, 2024, CRM was notified about BBB complaint. The account was placed in cease and desist status. On May 14, 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:05/10/2024

  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 MANA, they did not provide me with the original contract asvi requested

  Customer Answer

  Date: 05/10/2024

  Contacted the lender and let them know that the debt wasn't mine,nor was the account. 

  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.Tell us why here...

  Business Response

  Date: 05/24/2024

  Request you to please disregard previous response and consider below mentioned updated response
  

  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: 271709156;
  CREDITOR NAME: AT&T MOBILITY;
  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 CRM. 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 Mobility, and is not the original creditor.
  On June 17,2023, AT&T Mobility, placed the above referenced account with CRM for collection in the amount of $2,375.00.
  On June 19, 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 August 5, 2023, the account was credit reported to Experian and on August 6, 2023, the account was credit reported to Transunion in compliance with Fair Credit Reporting Act (FCRA).
  On May 10, 2024, CRM was notified about dispute through CRAs. The account was placed in dispute status. CRM updated the tradeline to reflect as disputed.
  On May 14, 2024, CRM was notified about dispute through BBB complaint. The account was placed in dispute status. CRM notified the creditor about the same and is awaiting a response.
  On May 24, 2024, CRM mailed 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:05/09/2024

  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 and they did not provide me with the original contract as requested

  Customer Answer

  Date: 05/11/2024

  This company has reached me by phone only. No emails or texts. As of today I have emailed them a request for a copy of the contract that I know I never made with this company. The original debtor was AT T,

  That's all that they told me by phone conversation.

  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

  CRM REFERENCE NUMBER: 274222538;
  CREDITOR NAME: AT&T MOBILITY;
  CREDITOR ACCOUNT NUMBER: ************;
  
  **********************, LLC (CRM) has received your May 10, 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 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 Mobility, and is not the original creditor.
  On November 18, 2023, AT&T Mobility, placed the above referenced account with CRM for collection in the amount of $388.94.
  On December 6, 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 January 6, 2024, the account was credit reported to Experian and Transunion in compliance with Fair Credit Reporting Act (FCRA).
  On May 10, 2024, and on May 11, 2024, CRM was notified about dispute through BBB compliant and through CRAs. The account was placed in dispute status respectively. 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 2567. Account was opened on 04/08/2021 and cancelled on 07/23/2021 due to non-payment. Last payment processed on the account was on 05/01/2021 for $149.93. First day of delinquency after cancellation was on 09/02/2021 with a balance of $388.94.AT&T has not sold this account. On 11/18/2023, AT&T Mobility forwarded the subject account to **********************, LLC, for collections on the balance of $388.94. 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. Customer is responsible for the charges of usage reflected on the service during the time account was active. Balance stands for past-due billed charges, late payment fees, monthly recurrent charges, and balance of 1 financed device with ending number 2567 found on records. Charges &Collection activity are valid due to customer acceptance of contract and Terms & Conditions under the name of ******************************.
  On May 15, 2024, the creditor recalled the account. CRM closed the account and returned to the original creditor.
  On June 4, 2024, CRM mailed you the account recall letter.
  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:05/09/2024

  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 has been harassing me for Debt that I do not owe them. Ive never done business with them and they do not have any wet documents proving I did anything with them. If they purchased a debt I have nothing to do with that. They are showing up on my credit affecting me. I recently was diagnosed with Cancer and I cant deal with the harassment or stress they have cause especially affecting my credit.

  Business Response

  Date: 05/23/2024

  CRM REFERENCE NUMBER: 275191919;
  CREDITOR NAME: AT&T UVERSE;
  CREDITOR ACCOUNT NUMBER: *********;
  
  **********************, LLC (CRM) has received your May 10, 2024, complaint filed with the Better Business Bureau and understands that you state that CRM has been harassing you for Debt that you do not owe CRM. You state that you have never done business with CRM and you state that CRM do not have any wet documents proving you did anything with CRM. You state that CRM is showing on your credit affecting 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.
  On January 29, 2024, AT&T UVERSE, placed the above referenced account with CRM for collection in the amount of $420.14.
  On January 30, 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 April 30, 2024, CRM was notified about dispute through CRAs. The account was placed in dispute status. CRM updated the tradeline to reflect as disputed.
  On May 10, 2024, CRM was notified about BBB complaint. The account was placed in cease and desist status.
  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.