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:01/21/2024

  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 was docked 30 points on my credit score for a false claim of $82 going to collections against me.

  Business Response

  Date: 02/01/2024

  CRM Reference Number: 274442776;
  Creditor Name: AT&T UVERSE;
  Creditor Account Number: *********;
  
  **********************, LLC (CRM) has received your January 22, **** complaint filed with the Better Business Bureau and understands that you state that you were docked 30 points on your credit score for a false claim of $82 going to collections against 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 November 29, 2023, AT&T Uverse, placed the above referenced account with CRM for collection in the amount of $82.02.
  On November 30, 2023, CRM emailed 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 January 20, ****, the account was credit reported to Transunion and to Experian in compliance with the Fair Credit Reporting Act (FCRA).
  On January 8, ****, CRM was notified about dispute through CRAs. The account was placed on restricted status. CRM updated the tradeline to reflect as disputed.
  On January 22, ****, CRM was notified about dispute through BBB complaint. The account was placed on restricted status. On the same day, the creditor notified CRM about the direct payment of $82.02. Same was applied to your account and the updated balance was zero.
  On January 23, ****, CRM closed the account as paid in full and returned it to the creditor.
  On January 30, ****, CRM mailed you the payment receipt. CRM reported the payment to the credit bureaus.
  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: 02/01/2024

  I paid AT&T directly. Will this knock be removed from my credit so that I will again have a credit score of over 810?

  Business Response

  Date: 02/20/2024

  ************* had responded to this complaint on February 1, ****. Request you to please check as its still not reflecting as closed.
  

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

  Business Response

  Date: 02/26/2024

  ************* had responded to this complaint on February 1, ****. Request you to please check as its still not reflecting as closed.
  

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

  Customer Answer

  Date: 02/26/2024

  I have reviewed the business response and accept this resolution. 

• Initial Complaint

  Date:01/21/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for the debt to original creditor. I do not have a contract with collections name and was not given one when requested.

  Customer Answer

  Date: 01/22/2024

  I have submitted documentation to the company alerting them that I have been a victim of identity theft. I have also submitted documents over to the **** concerning this matter. 

  Business Response

  Date: 02/06/2024

  CRM Reference Number: 268415220;
  Creditor Name: AT&T MOBILITY;
  Creditor Account Number: ************;
  
  **********************, LLC (CRM) has received your January 23, **** complaint filed with the Better Business Bureau and understands that you state that you are not liable for this debt to original creditor. You state that you do not have a contract with CRM. You state that CRM did not provide you the 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 January 16, 2023, AT&T Mobility, placed the above referenced account with CRM for collection in the amount of $3,338.34.
  On January 17, 2023, CRM emailed an initial collection notice advising you of your right to dispute or request validation of the debt within 30 days after you received the notice. CRM has no record of that letter being returned undelivered and no record of you disputing the debt or requesting validation during the 30-day period.
  On March 4, 2023, the account was credit reported to Experian and on March 5, 2023, the account was credit reported to Transunion in compliance with the Fair Credit Reporting Act (FCRA).
  On December 5, 2023, CRM was notified about dispute through CRAs. The account was placed on restricted status. CRM updated the tradeline to reflect as disputed.
  On December 10, 2023, CRM was notified about fraud through CRAs.The account was placed on restricted status. On January 11, ****, CRM mailed you the fraud packet.
  On January 23, ****, CRM was notified about dispute through BBB complaint. The account was placed on restricted status. On January 25,****, CRM mailed you the fraud packet.
  On January 26, ****, CRM was notified about fraud through CRAs.The account remained on restricted status.
  For fraud related issues you can login to *********************************** and complete the fraud procedure. You must complete the fraud procedure for the creditor to investigate your claim. Failure to do so may result in the creditor continuing to pursue collection of the account.
  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: 02/06/2024

  I am rejecting this response because this is not the information I asked for. I asked for an original copy of the contract bearing my wet signature in wet ink. 

  Business Response

  Date: 02/14/2024

  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 want CRM to send you an original copy of the contract bearing your wet signature in wet ink. Based upon our research CRMs findings are as follows:
  CRM placed a request with the creditor, upon receipt CRM will mail you the copy of contract.
  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:01/19/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  i am not liable for this dedt with 11ATT. i do not have a contract with credence resource management llc. they did not provide me with the original contract as requested

  Customer Answer

  Date: 01/22/2024

  they called me me regarding the debt that's when i ask them to send me a contract stating that i was under contract with said company and they refused to 

  Business Response

  Date: 02/06/2024

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

• Initial Complaint

  Date:01/19/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was contacted on January 8, **** via Experian that Credence Res *** took me to collections for ***** I have never been contacted before, never had an **** phone or bill, and never lived at the listed address in *****. Never lived in *****. Now my credit score is 679 and dropped from 820. I want help and off this list.

  Business Response

  Date: 02/02/2024

  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: 02/12/2024

  CRM REFERENCE NUMBER: 274091786;
  CREDITOR NAME: AT&T UVERSE;
  CREDITOR ACCOUNT ****************;
  
  **********************, LLC (CRM) has received your January 22, ****, complaint filed with the Better Business Bureau and understands that you state that you were contacted on January 8, **** via Experian that CRM took you to collections for AT&T. You state that you have never been contacted before, never had an AT&T phone or bill, and never lived at the listed address in *****. You state that you never lived in *****. 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 November 15, 2023, AT&T Uverse, placed the above referenced account with CRM for collection in the amount of $255.21.
  On November 16, 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 31, 2023, the account was credit reported to Transunion and on January 6, ****, the account was credit reported to Experian and in compliance with the Fair Credit Reporting Act (FCRA).
  On January 11, ****, CRM was notified about fraud through CRAs. The account was placed on restricted status. CRM updated the tradeline to reflect as disputed. On the same day, CRM mailed you the fraud packet.
  On January 22, ****, CRM was notified about fraud through BBB complaint. The account was placed on restricted status.
  On January 23, ****, CRM was notified about fraud through CRAs. The account was placed on restricted status. As per the records, on January 24, ****, CRM received a call from you, upon which you notified CRM about fraud. The account was placed on restricted status.
  On February 6, ****, CRM was notified about fraud through correspondence. The account remained on restricted status.
  For fraud related issues you can login to www.att.com/wirelinefraud 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:01/19/2024

  Type:Order 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 MANAGE and I do not have a contract with CREDENCE RESOURCE MANAGE plus they did not provide me with the original application like I asked

  Business Response

  Date: 01/31/2024

  CRM Reference Number: 273671882;
  Creditor Name: AT&T MOBILITY;
  Creditor Account Number: ************;
  
  **********************, LLC (CRM)has received your January 19, **** 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 application. 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 October 18, 2023, Mobility, placed the above referenced account with CRM for collection in the amount of $3,198.29.
  On October 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 December 3, 2023, the account was credit reported to Transunion and on December 9, 2023, the account was credit reported to Experian in compliance with the Fair Credit Reporting Act (FCRA).
  On January 19, ****, CRM was notified about dispute through BBB complaint. The account was placed on restricted status. 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 4 lines (during account lifetime) ending numbers ****, ****, ****, ****. Account was opened on 09/24/2021 and cancelled on 05/19/2022 due to NON-PAYMENT. Last payment processed on the account was on 03/14/2022 for $355.73. 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 4 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 January 27, ****, CRM was notified about fraud through CRAs. The account was placed on restricted status. On January 29, ****, CRM mailed you the fraud packet.
  For fraud related issues you can login to *********************************** and complete the fraud procedure. You must complete the fraud procedure for the creditor to investigate your claim. Failure to do so may result in the creditor continuing to pursue collection of the account.
  You may contact CRM on ************ for any further questions.
  

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

• Initial Complaint

  Date:01/17/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with *** communications. I do not have a contract with Credence Resource Management LLC, they did not provide me with the original contract as requested. Furthermore they are falsely reporting this to my credit report. Nothing has been sent to my address via certified mail nor have I received any calls about this alleged debt. I think they have misinformation.

  Customer Answer

  Date: 01/18/2024

  I have no documents or contract with this company they are falsely reporting to my credit report 

  Customer Answer

  Date: 02/05/2024

  I have no documents or contract with this company they are falsely reporting to my credit report 
  

  please have business provide contract with a wet ink signature as validation. I know they do not have one because I have no knowledge of this debt so it will therefore be invalid and will need to be removed from my credit reports 

  Business Response

  Date: 02/16/2024

  CRM REFERENCE NUMBER: 263046867;
  CREDITOR NAME: *** Communications, Inc;
  CREDITOR ACCOUNT ****************;
  
  **********************, LLC (CRM) has received your January 18, 2024, complaint filed with the Better Business Bureau and understands that you state that you are not liable for this debt with *** communications. You state that you do not have a contract with CRM. You state that CRM did not provide you the original contract as requested. 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 *** ******************** and is not the original creditor.
  On October 26, 2021, *** ******************** placed the above referenced account with CRM for collection in the amount of $688.31.
  On October 27, 2021, CRM mailed you the validation notice advising you of your right to dispute or request validation of the debt within 30 days.
  On December 11, 2021, the account was credit reported to Experian and On December 13, 2021, the account was credit reported to Transunion in compliance with Fair Credit Reporting Act (FCRA). On January 20, 2022, the account was credit reported to Equifax in compliance with Fair Credit Reporting Act (FCRA).
  On November 2, 2023, CRM was notified about fraud through CRAs. The account was moved to restricted status.CRM updated the tradeline to reflect as disputed. On November 3, 2023, CRM mailed you the fraud packet.
  On January 18, 2024, CRM was notified about dispute through BBB complaint and through CRAs. The account was placed on restricted status. CRM notified the creditor about the same. As per the creditor the charges are valid.
  On February 7, 2024, CRM was notified about dispute through CFPB complaint and through CRAs. The account was placed on restricted status respectively. On February 13, 2024, CRM was notified about dispute through CRAs. The account was placed on restricted status.
  For fraud related issues you can login to ******************** and complete the fraud procedure. You must complete the fraud procedure for the creditor to investigate your claim. Failure to do so may result in the creditor continuing to pursue collection of the account.
  You may contact CRM at ************ for any further questions.
  

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

  Customer Answer

  Date: 02/16/2024

  I am rejecting this response because: Nothing in the message pertained to me receiving anything in the mail from you guys nor being contacted by you guys or ***. So this collection account needs to be removed immediately since there is no contract in place with you guys. I will pursue a cease and desist along with damages to my credit profile which has cost me not being able to apply for business opportunities. You say you will continue efforts but it is illegal with no proof given that the information you say is mine is wrong. Please provide the original contract with you guys with a wet ink signature.

  Customer Answer

  Date: 02/16/2024

  Also you claimed you mailed out fraud packet and other information that I never received because the information you guys have is probably wrong to begin with. 

  Customer Answer

  Date: 02/16/2024

  So in short please provide the wet ink signature contract. That is what Im looking for at this moment if you cannot provide this collection needs to be removed immediately 

  Business Response

  Date: 02/26/2024

  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 nothing in the message pertained to you receiving anything in the mail from CRM nor being contacted by CRM or ***. You state that you will pursue a cease and desist along with damages to your credit profile. You want CRM to provide the original contract with a wet ink signature. You state that CRM mailed out fraud packet and other information that you never received because the information CRM have is probably wrong to begin with. Based upon our research CRMs findings are as follows:
  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.
  The account is 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: 02/26/2024

  I am rejecting this response because:   Please provide the wet ink signature contract. You have yet to provide it 

• Initial Complaint

  Date:01/16/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Nov 08, 2023 Before credence it was another company harassing me called ****** In which Im not aware what they are talking about. I had even requested for paperwork for said account that I owe on which I dont have knowledge of what they are saying I owe, which I am aware of things I have opened and paid back/off. They have yet to send any paperwork, they then sold to credence which is illegal.

  Business Response

  Date: 01/30/2024

  CRM Reference Number: 350398685;
  Creditor ************** US, Inc.;
  Creditor Account Number: *********;
  
  **********************, LLC (CRM) has received your January 17, **** complaint filed with the Better Business Bureau and understands that you state that you dispute this debt. You believe this debt was sold to CRM by ******. Based upon our research CRMs findings are as follows:
  CRM has no affiliation with ******, 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 ******** US, ***** and is not the original creditor.
  On November 8, 2023, ******** US,***** placed the above referenced account with CRM for collection in the amount of $523.80.
  On November 9, 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 December 30, 2023, the account was credit reported to Transunion and to Experian in compliance with the Fair Credit Reporting Act (FCRA).
  On January 17, ****, CRM was notified about dispute through BBB complaint. The account was placed on restricted status. CRM updated the tradeline to reflect as disputed. CRM notified the creditor about the same. As per the creditor Account start date 06/30/2021, Account End Date - 12/13/2022, Bill cycle date 31. Advice account type is Individual-Regular as postpaid activated and BRP's name is ***********************. Found usage till 12.13.2022. Received last payment on date 12/19/2022 of $119.27 Still account left with remaining balance is valid. Current account balance is $523.80 which consist of service charge $45, equipment $452.92, assurant $11.7,Including OCA fee $14.18. Service charges are valid for service rendered.Equipment charge is valid for pending equipment due. Assurant charges are valid for insurance warranty and mobile security.
  On January 21, ****, 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.
  You may contact the creditor directly for any further queries.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

• Initial Complaint

  Date:01/16/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with credence resources management llc i do not have a contract credence resources management llc. They did not provide me with the original contract as requested

  Business Response

  Date: 01/30/2024

  CRM Reference Number: 272733381;
  Creditor Name: AT&T MOBILITY;
  Creditor Account Number: ************;
  
  **********************, LLC (CRM) has received your January 17, **** 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 July 30, 2023, AT&T Mobility,placed the above referenced account with CRM for collection in the amount of $1,281.00.
  On July 31, 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 September 16, 2023, the account was credit reported to Transunion and on September 18, 2023, the account was credit reported to Experian in compliance with the Fair Credit Reporting Act (FCRA).
  On January 16, ****, CRM was notified of dispute through CRAs. The account was placed on restricted status.
  On January 17, ****, 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 This account stands for an AT&T;s postpaid wireless service for 10 lines (during account lifetime) ending numbers ****, ****, ****, ****, ****, ****, 0874,1798, **** and ****. Account was opened on 12/26/2010 and cancelled on 03/14/2021 due to non-payment. Last payment processed on the account was on 1/5/2021 for $237.90. 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 3 financed devices with ending numbers ****, **** and **** found on records. Charges are valid due to customer acceptance of contract and Terms & Conditions under the name of *******************************
  On January 20, ****, 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.
  You may contact the creditor directly for any further queries.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

• Initial Complaint

  Date:01/16/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to urgently dispute the re-entry of an account on my credit history with CREDENCE RESOURCE MANAGEMENT, originally from ***** The details of this matter are as follows:Balance: $1,963 Balance Updated: Dec 30, 2023 Original Balance: $1,963 Payment Status: 0% paid off This dispute is not new; it has been ongoing for the past three years. To my dismay, after successfully having the entry removed from my credit report and collections, it has resurfaced. The persistence of this issue is both frustrating and unacceptable.My decision to sever ties with **** was rooted in unresolved billing disputes and unsatisfactory service experiences. Despite continuous efforts on my part, these issues have not been adequately addressed over the years.I am unwilling to pay off the remaining balance due to the prolonged and unresolved nature of this matter. I demand an immediate and thorough investigation into the circumstances surrounding this account. Furthermore, I insist on the accurate reflection of this resolution on my credit history and the permanent removal of this entry from collections.This recurring problem has caused significant distress, and I expect your immediate attention and resolution. Please provide detailed information regarding the steps taken and a commitment to rectify this situation permanently.

  Business Response

  Date: 01/30/2024

  CRM Reference Number: 273219494;
  Creditor Name: AT&T MOBILITY;
  Creditor Account Number: ************;
  
  **********************, LLC (CRM) has received your January 17, **** complaint filed with the Better Business Bureau and understands that you dispute the re-entry of an account on your credit history with CRM, originally from AT&T. 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 9, 2023, AT&T Mobility,placed the above referenced account with CRM for collection in the amount of $1,963.67.
  On September 11, 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 October 28, 2023, the account was credit reported to Experian and on October 30, 2023, the account was credit reported to Transunion in compliance with the Fair Credit Reporting Act (FCRA).
  On November 19, 2023, CRM was notified of dispute through CRAs. The account was placed on restricted status.CRM updated the tradeline to reflect as disputed.
  On December 5, 2023, CRM mailed you the copy of validation obtained from the original creditor.
  On January 17, ****, 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 This account stands for an AT&T;s postpaid wireless service for 2 lines (during account lifetime) ending numbers **** and ****. Account was opened on 07/17/2020 and cancelled on 05/14/2021 due to non-payment. Last payment processed on the account was on 04/07/2021 for $317.58, however, payment was reverse on 04/16/2021 for the same amount. On 09/09/2023, AT&T Mobility forwarded the subject account to **********************, LLC for collections on the balance of $1,963.67. 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 2 financed devices with ending numbers **** and **** found on records. Charges are valid due to customer acceptance of contract and Terms & Conditions under the name of ******************
  On January 20, ****, 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.
  You may contact the creditor directly for any further queries.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

• Initial Complaint

  Date:01/14/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with ATT, I do not have a contract with Credence Resource Management LLC, they have not provided me with an original contact or any contract what so ever as I requested.

  Customer Answer

  Date: 01/17/2024

  I was not aware of this account. I have no responsibility for this account and the amount due. Ive been requesting it to be removed multiple times 

  Business Response

  Date: 02/06/2024

  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: 02/15/2024

  CRM REFERENCE NUMBER: 259454950;
  CREDITOR NAME: AT&T Mobility;
  CREDITOR ACCOUNT *******************;
  
  **********************, LLC (CRM) has received your January 23, ****, complaint filed with the Better Business Bureau and understands that you state that you are not liable for this debt with ATT. 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 March 15, 2021, AT&T Mobility, placed the above referenced account with CRM for collection in the amount of $1,595.05.
  On March 16, 2021, CRM mailed you the validation notice advising you of your right to dispute or request validation of the debt within ***************************************************************************************************************** requesting validation during the 30-day period.
  On May 1, 2021, the account was credit reported to Experian and to Transunion in compliance with Fair Credit Reporting Act (FCRA).
  On December 16, 2021, the creditor notified CRM about credit adjustment of $105.00. Same was applied to your account and the updated balance was $1,490.05.
  On January 14, ****, CRM was notified about dispute through CRAs. The account was placed on restricted status. CRM updated the tradeline to reflect as disputed.
  On January 22, ****, CRM was notified about dispute through CRAs. The account was placed on restricted status.
  On January 23, ****, CRM mailed you the copy of validation obtained from the creditor. On the same day, 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 This account stands for an AT&T;s postpaid wireless service for 1 Line (during account lifetime) ending numbers ****. Account was opened on 09/24/2018 and cancelled on 01/15/2019 due to non-payment. Last payment processed on the account was on 12/13/2018 for $462.52 however it was return unpaid on 12/26/2018. On 03/15/2021, AT&T Mobility forwarded the subject account to **********************, LLC for collections on the balance of $1,490.05. 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 fee, monthly recurrent charge and balance of 1 financed device.Charges are valid due to customer acceptance of contract and Terms & Conditions under the name of *************************.
  On February 2, ****, CRM mailed you the copy of validation and the copy of contract obtained from the creditor.
  You may contact CRM at ************ for any further questions.
  

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