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:02/06/2024

  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 ********* i do not have a contract with Credence Resource Management LCC. They did not provide me with the original contract as i requested.

  Customer Answer

  Date: 02/06/2024

  Attached above is a screen shot taken from my experian account of the actions taken against me by Credence Resource Management LCC 

  Business Response

  Date: 02/26/2024

  CRM Reference Number: 350527226;
  Creditor ************** US, Inc.;
  Creditor Account Number: *********;
  
  **********************, LLC (CRM)has received your February 6, 2024 complaint filed with the Better Business Bureau and understands that you state that you are not liable for this debt with ********* You state that you do not have a contract with CRM. You state that CRM did not provide you the original contract as requested. Based upon our research CRMs findings are as follows:
  CRM has reviewed your correspondence and would like to appraise you that CRM is a collection agency working on behalf of ******** US, ***** and is not the original creditor.
  On December 15, 2023, ******** US,***** placed the above referenced account with CRM for collection in the amount of $106.35.
  On December 18, 2023, 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 February 3, 2024, the account was credit reported to Experian and Transunion in compliance with the Fair Credit Reporting Act (FCRA).
  On February 6, 2024 and on February 7, 2024, CRM was notified about dispute through BBB complaint and through CRA's. The account was placed on restricted status respectively. CRM updated the tradeline to reflect as disputed.
  CRM placed a request with the creditor, upon receipt CRM will mail you the copy of validation obtained from the creditor.
  You may contact CRM at ************ for any further questions.
  
  *CRM COMPLIANCE DEPARTMENT *
  *THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

• Initial Complaint

  Date:02/05/2024

  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.

  i am in no way shape or form liable, nor do i have any knowledge of this debt or account with ********************************************* MANAGE. i have had no communication whatsoever with CREDENCE RESOURCE MANAGE. they did not provide me with the original contract as i requested.

  Business Response

  Date: 02/19/2024

  CRM REFERENCE NUMBER: 274680229;
  CREDITOR NAME: AT&T MOBILITY;
  CREDITOR ACCOUNT *******************;
  
  **********************, LLC (CRM) has received your February 6, ****, complaint filed with the Better Business Bureau and understands that you state that you are not liable nor you have any knowledge of this debt or account 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 December 16, 2023, AT&T Mobility, placed the above referenced account with CRM for collection in the amount of $880.69.
  On January 8, ****, 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 3, ****, the account was credit reported to Experian and to Transunion in compliance with Fair Credit Reporting Act (FCRA).
  On February 6, ****, CRM was notified about dispute through BBB complaint. The account was moved to restricted 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 numbers ****. Account was opened on 05/27/2021 and cancelled on 08/11/2021 due to NON-PAYMENT. Last payment processed on the account was on 07/19/2021 for $***** however this backed out *****. 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 **** found on records. Charges are valid due to customer acceptance of contract and Terms & Conditions under the name of ****************************
  On February 7, ****, CRM was notified about dispute through CFPB complaint and through correspondence. The account was moved to restricted status respectively.
  On February 9, ****, the creditor recalled the account. CRM closed the account and returned it to the creditor.
  CRM requested its entry be removed from Experian and Transunion. CRM cannot affect a change in whether the creditor or another entity has or will later report the account on your credit report. CRM also cannot affect a change as to when the credit bureau processes the deletion request CRM submitted relating to the account. CRM has no control over whether the creditor places the account with another collection agency for continued collection.
  On February 19, ****,CRM was notified about dispute through correspondence.
  You may contact the creditor directly for any further queries
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

  Customer Answer

  Date: 02/20/2024

  I have reviewed the business response and accept this resolution. 

• Initial Complaint

  Date:02/05/2024

  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, they did not provide me with the original contract as requested. I demand for this to be removed.

  Business Response

  Date: 02/19/2024

  CRM REFERENCE NUMBER: 274681001;
  CREDITOR NAME: AT&T Mobility;
  CREDITOR ACCOUNT *******************;
  
  **********************, LLC (CRM) has received your February 6, 2024, complaint filed with the Better Business Bureau and understands that you state that you are not liable for this alleged debt with CRM. You state that you do not have any business with CRM and you state that CRM failed to send you the validation of debt. 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 16, 2023, AT&T Mobility, placed the above referenced account with CRM for collection in the amount of $502.53.
  On December 18, 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 February 3, 2023, the account was credit reported to Experian and to Transunion in compliance with Fair Credit Reporting Act (FCRA).
  On February 6, 2024, CRM was notified about BBB compliant and CFPB complaint. The account was placed on restricted status respectively. CRM updated the tradeline to reflect as disputed. 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 numbers 7095. Account was opened on 02/20/2022 and cancelled on 01/05/2023 due to NON-PAYMENT. Last payment processed on the account was on 08/19/2022 for $60.00. 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. Charges are valid due to customer acceptance of contract and Terms & Conditions under the name of *************************.
  On February 16, 2024, CRM was notified about BBB compliant and CFPB complaint. The account was placed on cease status and CRM will not pursue collections on this account.
  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: 02/20/2024

  I am not liable for this alleged debt with Credence. I do not have business with Credence and they have failed to provide the original alleged contract, AND validation of debt. I demand this account be removed. This is a FDCPA violation.

  Customer Answer

  Date: 02/20/2024

  I am rejecting this response because: I am not liable for this alleged debt with Credence. I do not have business with Credence and they have failed to provide the original alleged contract, AND validation of debt. I demand this account be removed. This is a FDCPA violation.  

  Business Response

  Date: 03/05/2024

  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 are not liable for this alleged debt with CRM. You state that you do not have business with CRM and you state that CRM have failed to provide the original alleged contract, validation of debt. You believe CRM violated the law. Based upon our research CRMs findings are as follows:
  The account was placed on cease status and CRM will not pursue collections on this account.
  On February 24, 2024, 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:02/03/2024

  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 have never had CREDENCE RESOURCE MANAGE as a creditor. Per my research CREDENCE RESOURCE MANAGE is a debt collector falsely attempting to collect a debt that isn't there's. I have requested that CREDENCE RESOURCE MANAGE provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature with CREDENCE RESOURCE MANAGE. In addition please provide the contract signed between CREDENCE RESOURCE MANAGE notarized and sworn under penalty and perjury for CREDENCE RESOURCE MANAGE ability to collect this alleged debt. I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed; as in Wenger ** ****************** No. 95-6445 (C.D.Cal. No** 14,1995), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100% accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I further remind you that, as in White ** Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. Please send all validating records through the BBB and certified mail to my address. I have uploaded a copy of my ID showing my mailing address.

  Business Response

  Date: 02/19/2024

  CRM REFERENCE NUMBER: 350081290;
  CREDITOR NAME: ******** US, Inc.;
  CREDITOR ACCOUNT ****************;
  
  **********************, LLC (CRM) has received your February 6, 2024, complaint filed with the Better Business Bureau and understands that you state that you never had CRM as a creditor. You state that CRM is a debt collector falsely attempting to collect a debt that isn't there's. You state that you had requested CRM to provide you proof of alleged items. You state that you request to be provided with specifically the original application, contract, note, or another instrument bearing my signature with CRM.You request CRM to send to validation of debt. 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 ******** US, ***** and is not the original creditor.
  On July 18, 2023, ******** US, ***** placed the above referenced account with CRM for collection in the amount of $1,997.18.
  On July 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.
  As per the records, *** was able to establish multiple contacts with you, upon which the representative gave you the account details and you ended the call.
  On September 2, 2023, the account was credit reported to Experian and to Transunion in compliance with Fair Credit Reporting Act (FCRA).
  On September 12, 2023, CRM was able to establish contact with you, upon which you notified CRM about dispute. The account was placed on restricted status. CRM updated the tradeline to reflect as disputed. On September 19, 2023, CRM mailed you the copy of validation obtained from the creditor.
  On November 23, 2023, and on November 29, 2023, CRM was notified about dispute through CRAs and through correspondence. The account was placed on restricted status respectively.
  On December 5, 2023, and on December 15, 2023, CRM mailed you the copy of validation obtained from the creditor.
  On December 21, 2023, CRM was notified about dispute through correspondence. The account was placed on restricted status. On December 29, 2023, CRM mailed you the copy of validation obtained from the creditor.
  On January 11, 2024, CRM was notified about dispute through correspondence. The account was placed on restricted status.
  On January 19, 2024, CRM mailed you the copy of validation obtained from the creditor.
  On February 3, 2024, CRM was notified about CFPB compliant. The account was placed on restricted status. CRM notified the creditor about the same. As per the creditor Account start date - 03/11/2022, Account End Date - 11/21/2022. Advice account type is Individual-Regular as postpaid activated and BRP's name is ****************. Found usage till 11.11.2022. Received last payment on date 09/04/2022 of $317.48. Current account balance is $1,997.18 which consist of service charge $352.63, late fee $20.93, equipment $1450.05, assurant $64.14,Including OCA fee $109.43. Last payment date - 09/04/2022. Service charges are valid for service rendered. Equipment charge is valid for pending equipment due. Late fee valid for late payment.  Assurant charges are valid for insurance warranty and mobile security.
  On February 6, 2024, CRM was notified about BBB compliant. The account remained on restricted status. On the same day, the creditor recalled the account. CRM closed the account and returned it to the creditor.
  On February 7, 2024 and on February 8, 2024, CRM was notified about your compliant through 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:02/03/2024

  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.

  After 3 years I start getting a collections due bill. I've never been billed or contacted by Xfinity for owing any amount prior to Credence contacting me, January 10 2024. I Told them to mail detailed bill with charges & history, which they didn't send any details of account attempts from Xfinity. They couldn't provide me any dates or what amount specifics.The collection agency has NOT provided any details or specific charges regarding the collection.NO dates of Xfinity bill service, relating to the collection they claim I owe It's been 3 years since I paid or had any contact with Xfinity/Comcast They've been calling me constantly. Help please.

  Business Response

  Date: 02/19/2024

  CRM REFERENCE NUMBER: 274817430;
  CREDITOR NAME: Xfinity Mobile;
  CREDITOR ACCOUNT *****************;
  
  **********************, LLC (CRM) has received your February 6, 2024, complaint filed with the Better Business Bureau and understands that you state that you have never been billed or contacted by Xfinity for owing any amount prior to CRM contacting you, January 10 2024. You state that you asked CRM to mail detailed bill with charges, history and you state that CRM didn't send any details of account attempts from Xfinity. You state that you received multiple calls from 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 *************** and is not the original creditor.
  On December 26, 2023, *************** placed the above referenced account with CRM for collection in the amount of $378.66.
  On January 8, 2024, CRM sent you the validation notice via text advising you of your right to dispute or request validation of the debt within ***************************************************************************************************************** requesting validation during the 30-day period.
  As per the records, on January 10, 2024, CRM received a call from you, upon which you requested for a bill. The representative placed a request for same. The account was placed on restricted status.
  On January 19, 2024, CRM mailed you the copy of validation obtained from the creditor.
  On February 6, 2024, CRM was notified about dispute through BBB complaint. The account was moved to restricted status. CRM notified the creditor about the same. As per the creditor Reviewed the account for collections and determined it not fraud. The customer owes $378.66 for the monthly reoccurring charge statements on Jan 6 - Feb 5, Feb 6 -Mar 5, Mar 6 - Apr 5 2022 that had usage on the line and the remaining device payment plan for the Apple iPhone SE, 64 GB Red ***************.
  You may contact CRM at ************ for any further questions.
  

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

  Customer Answer

  Date: 02/23/2024

  I am rejecting this response because:   they've never given me dates of service, detailed charges and address of service.

  I haven't lived at that at previous address in years

  Business Response

  Date: 02/29/2024

  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 CRM never gave you dates of service, detailed charges and address of service. You state that you haven't lived at that at previous address in years. Based upon our research CRMs findings are as follows:
  Enclosed is the copy of validation obtained from the creditor which was mailed to you on January 19,2024. The password to open the attached file is your five digit zip code.
  You may contact CRM at ************ for any further questions.
  

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

  Customer Answer

  Date: 03/01/2024

  I am rejecting this response because:   

  I've still Never been given dates of service, itemized bill or address of charges

  Business Response

  Date: 05/21/2024

  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 have still never been given dates of service, itemized bill or address of charges. Based upon our research CRMs findings are as follows:
  
  CRM had already provided the copy of validation obtained from the creditor to you on February 29, 2024.
  
  You may contact CRM at ************ for any further questions.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

  Customer Answer

  Date: 05/21/2024

  I am rejecting this response because:   

  CRM has never given me an Itemized bill, dates of service or address of service.  They're trying to scam me by not providing dates of service, address or itemized bill. 

  They just sent me a notice of $347 that I supposedly owe. 

  No other information on what, why & where

   

  Business Response

  Date: 05/30/2024

  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 CRM has never given you an Itemized bill, dates of service or address of service.  You believe CRM is trying to scam you by not providing dates of service, address or itemized bill. You state that CRM just sent you a notice of $347 that I supposedly owe. Based upon our research CRMs findings are as follows:
  The account was placed in cease status and CRM will not pursue collections.
  You may contact the creditor directly for any further queries
  
  *CRM COMPLIANCE DEPARTMENT *
  *THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

• Initial Complaint

  Date:02/03/2024

  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.

  They have filed a very old account with **** (over 10 years old!) to my credit report as new. Accounts older than 7 years are not permitted to be on credit report. But they are committing fraud when they file that account as new. The attached screenshot shows one such filing they made to Experian. I am asking them to stop doing it. It is causing me undue mental pain and suffering.

  Business Response

  Date: 02/16/2024

  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: 02/21/2024

  CRM REFERENCE NUMBER: 269873706;
  CREDITOR NAME: DIRECTV,LLC;
  CREDITOR ACCOUNT ***************;
  
  **********************, LLC (CRM) has received your February 5, 2024, complaint filed with the Better Business Bureau and understands that you state CRM filed a very old account with AT&T (over 10 years old!) to your credit report as new. You state that Accounts older than 7 years are not permitted to be on credit report. Based upon our research CRMs findings are as follows:
  CRM has reviewed your correspondence and would like to appraise you that CRM is a collection agency working on behalf of DIRECTV,LLC, and is not the original creditor.
  On February 8, 2023, DIRECTV, LLC, placed the above referenced account with CRM for collection in the amount of $280.51.
  On March 13, 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 April 29, 2023, the account was credit reported to Experian and on April 30, 2023, the account was credit reported to Transunion in compliance in Fair Credit Reporting Act (FCRA).
  On January 31, 2024, CRM was notified about dispute through CRAs. The account was placed on restricted status. CRM updated the tradeline to reflect as disputed.
  On February 5, 2024, CRM was notified about dispute through BBB complaint. The account was placed on restricted status. CRM notified the creditor about the same. As per the creditor Account was disconnected prior completion of service agreement which triggered from activation of account. Reviewed account, early cancellation fee and an unpaid programming charges make up the balance.
  On February 12, 2024,the creditor recalled the account. CRM closed the account and returned it to the creditor.
  The law does not prevent the creditor, or CRM acting as the collection agent of the creditor, from collecting on an account that is past the statute of limitations. While ********************************* cannot be sued for payment, the debt is still owed.
  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:02/02/2024

  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 recently saw a new negative/unpaid account on my credit report. The report stated that the account was in collection.This account was posted to my credit report by Credence Resource Management LLC. The report stated that the account originated with ATT and the account is 4 months old.However, I have not done buisness with ATT for almost 2 years. When I did have an ATT phone plan my bills where on autopay and never missed a payment.After reading about this company it seems to be a common problem for people to get reports of unpaid ATT bills that they do not actually owe.

  Business Response

  Date: 02/28/2024

  CRM REFERENCE NUMBER: 273473293;
  CREDITOR NAME: AT&T MOBILITY;
  CREDITOR ACCOUNT *******************;
  
  **********************, LLC (CRM) has received your February 5, 2024, complaint filed with the Better Business Bureau and understands that you state that you recently saw a new negative/unpaid account on your credit report. You state that the report stated that the account was in collection and you state that this account was posted to your credit report by CRM. You state that the report stated that the account originated with ATT and the account is 4 months old. You state that you have not done business with ATT for almost 2 years and you state that you did have an ATT phone plan my bills where on autopay and never missed a payment. 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 September 29, 2023, AT&T Mobility, placed the above referenced account with CRM for collection in the amount of $87.52.
  On October 2, 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 18, 2023, the account was credit reported to Transunion and to Experian in compliance with the Fair Credit Reporting Act (FCRA).
  As per the records, on February 2, 2024, CRM received multiple calls from you,upon which you paid $61.26 directly to AT&T to resolve the account for less than the complete balance.
  On February 2, 2024, the creditor notified CRM about the direct payment of $61.26.Same was applied to your account.
  On February 3, 2024, CRM closed the account as resolved for less than the full balance. CRM reported the payment details to the CRAs.
  On February 5, 2024, CRM was notified about dispute through BBB complaint. The account remained on restricted status.
  On February 9, 2024, CRM emailed you the payment receipt.
  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:02/02/2024

  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 Tmobile and do not have contract with Credence Resources Management LLC. They have not provided me with an original application like I asked.

  Customer Answer

  Date: 02/05/2024

  Credence Resources Management LLC has added a collection on my credit report all three beaus. I do owe this debt nor have owe a debt to this company or Tmobile. Asking Credence Resources Management LLC to remove error from my credit report

  Business Response

  Date: 02/22/2024

  CRM Reference Number: 350514078;
  Creditor ************** US, *****
  Creditor Account Number: *********;
  **********************, LLC (CRM) has received your February 5, 2024 complaint filed with the Better Business Bureau and understands that you state 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 application as requested. Based upon our research CRMs findings are as follows:
  CRM has reviewed your correspondence and would like to appraise you that CRM is a collection agency working on behalf of ******** US,***** and is not the original creditor.
  On December 7, 2023, ******** US, ***** placed the above referenced account with CRM for collection in the amount of $2,517.61.
  On December 8, 2023, 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.
  On January 27, 2024, the account was credit reported to Experian and Transunion in compliance with the Fair Credit Reporting Act (FCRA).
  On February 05, 2024, CRM was notified about dispute through BBB complaint. The account was placed on restricted status. CRM updated the trade line to reflect as disputed.
  CRM placed a request with the creditor, upon receipt CRM will mail you the copy of validation obtained from the creditor.
  You may contact CRM at ************ for any further questions.
  
  *CRM COMPLIANCE DEPARTMENT *
  *THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

  Customer Answer

  Date: 02/23/2024

  I am rejecting this response because:   I do not nor  have I  never owe any debt to Tmobile nor CRM I have not received an original application and/or contract with any live signature. 

  Business Response

  Date: 02/29/2024

  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 do not nor you have never owe any debt to Tmobile nor CRM. You state that you have not received an original application and/or contract with any live signature. Based upon our research CRMs findings are as follows:
  Enclosed is the copy of validation obtained from the creditor. The password to open the attached file is your five digit zip code.
  You may contact CRM at ************ for any further questions.
  

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

  Customer Answer

  Date: 03/03/2024

  I am rejecting this response because I havent signed this and this is not a contract. 

• Initial Complaint

  Date:02/02/2024

  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 has not provided the original contract and I maintain I did not open this account. The original creditor was AT@T. I am demanding this be taken off of of my credit report

  Business Response

  Date: 02/28/2024

  CRM Reference Number: 271708921;
  Creditor Name: AT&T MOBILITY;
  Creditor Account Number: ************;
  
  **********************, LLC (CRM)has received your February 2, 2024 complaint filed with the Better Business Bureau and understands that you state that CRM did not provide you with the original contract and you state that you did not open this account. 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 $326.46.
  On June 19, 2023, 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 August 23, 2023,the account was credit reported to Transunion and on August 24, 2023, the account was credit reported to Experian in compliance with the Fair Credit Reporting Act (FCRA).
  As per the records, *** received multiple calls from you, upon which you notified CRM about dispute and fraud. The account was placed on restricted status respectively.CRM updated the tradeline to reflect as disputed.
  On January 26, 2024, CRM was notified about fraud through CRAs. The account was placed on restricted status. On January 26, 2024, CRM mailed you the fraud packet.
  On January 29, 2024, CRM emailed you the fraud packet. On January 31, 2024, CRM mailed you the fraud packet.
  On January 31, 2024,the creditor notified about multiple credit adjustments. Same was applied to your account and the updated balance was zero.
  On February 2, 2024, CRM was notified about fraud through BBB complaint. The account remained on restricted status. On the same day, the creditor recalled the account. CRM closed the account as credited in full and returned it to the creditor.
  On February 3, 2024, and on February 5, 2024, CRM received your correspondence. The account remained on restricted status.
  On February 9, 2024, CRM mailed you the account recall letter.
  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:02/02/2024

  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.

  On December 8th 2023, I went to an att store to add a phone line to an existing phone plan. During the process I was told that they could not proceed due to an outstanding balance that I currently has with direct tv. I immediately called direct tv to resolve the issue. I was told to contact credence resource management to get the issue taken care of. Upon contacting I advised them that I wanted to take care of the collections account that I had with the company. They advised me that the balance I had was four hundred and twenty five dollars but they would settle the account if I paid them two hundred and eighteen dollars and that they would call and clear it up with direct tv. I paid them the ****** with a 6 dollar processing fee for the amount of ****** on 12/18/2023. On 02/01/2024 I went back to the at t store and they advised me that the charge was still there and that I needed to contact the collection agency again. I made contact with credence management again. They told me that the money I paid was just to get it out of collection status and have it sent back to direct tv. I told them that that is not what I agreed to and that they offered to settle the account to make the collection status go away. They said that there is nothing they will do for me at that point and to contact direct tv for any further questions. This was very deceiving and untruthful. Account reference #********

  Business Response

  Date: 02/28/2024

  CRM Reference Number: 268103945;
  Creditor Name: DIRECTV, LLC;
  Creditor Account Number: ********;
  
  **********************, LLC (CRM) has received your February 2, 2024, complaint filed with the Better Business Bureau and understands that you state that CRM advised you that the balance you had was four hundred and twenty five dollars and you state that CRM would settle the account if you pay two hundred and eighteen dollars and CRM would call and clear it up with DirecTv. You state that you paid CRM $218.00 with a 6 dollar processing fee for the amount of ****** on 12/18/2023. You state that on 02/01/2024 you went back to AT&T store and they advised you that the charge was still there and that you needed to contact the collection agency again. You state that you made contact with CRM upon which you were told that the money you paid was just to get it out of collection status and have it sent back to DirecTv. You state that this is not what you agreed to and that CRM offered to settle the account to make the collection status go away. You state that you were told that, there is nothing CRM will do for you at that point and to contact ******* for any further questions. 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 December 16, 2022, DIRECTV, LLC, placed the above referenced account with CRM for collection in the amount of $425.76.
  On December 19, 2022, 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.
  As per the records, *** received multiple calls from you, upon which you notified CRM about fraud. The account was placed on restricted status respectively.
  On September 12, 2023, CRM mailed you the fraud packet.
  On December 18, 2023, CRM received a call from you, upon which you paid $218.00 to resolve the account for less than the full balance. Same was applied to your account and the account was closed as resolved for less than the full balance.
  On January 24, 2024, the creditor recalled the account. CRM closed the account as resolved for less than the full balance and returned it to the creditor.
  CRM received multiple call from you,upon which you notified CRM that the charge was still reflecting with ATT store.The representative advised you about the payment received on the account and the account status. You requested for payment receipt. The representative placed a request for same. The account remained on restricted status.
  On February 2, 2024, CRM was notified of BBB complaint. The account remained on restricted status.
  On February 5, 2024, CRM mailed you the payment receipt.
  You may contact the creditor directly for any further queries.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.