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:01/04/2024

  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 FILE IS TO REPORT UNAUTHORIZED ACCOUNTS THAT ARE REPORTING TO MY CREDIT. THE ACCOUNTS LISTED HAS NOT BEEN A PART OF ANY FINANCIAL OBLIGATIONS OR CONTRACTS DEDICATED TO ME. IN CONCLUSION, I MOTION THE PURSUIT TO ACHIEVE DELETION OF ALL ACCOUNTS FROM THE THREE CREDIT BUREAUS ONCE THIS FILE IS RECEIVED BY THE APPROPIATE PARTY.Fraudulent Mobile ********************* or ********************* WIRELESS Account Number: ************** Date fraud ********/2023 Date that I discovered it:12/2019 Total fraudulent amount:$ **** Fraudulent Personal or ********************* or Organization: CREDENCE RESOURCE MANAGEMENT original creditor: AT T Account Number: ********* Date fraud ********/2023 Date that I discovered it:1/2022 Total fraudulent amount:$ **** Give Feedback 12/18/23, 3:09 PM ************************** ********************************************************* 2/4 Fraudulent Information on Credit Reports Fraudulent Personal or ********************* or Organization: DRS original creditor: NET CREDIT Account Number: **************** Date fraud ********/2023 Date that I discovered it:6/2023 Total fraudulent amount:$ **** Fraudulent Personal or ********************* or Organization: NET CREDIT Account Number: **************** Date fraud began:3/2020 Date that I discovered it:8/2018 Total fraudulent amount:$ **** Accounts or Charges Yes, fraudulent accounts or charges appear on my credit report Personal Information Addresses: ************************************* ****** Credit ***************** WIRELESS, NET CREDIT

  Business Response

  Date: 01/18/2024

  CRM Reference Number: 263908222;
  Creditor Name: AT&T MOBILITY;
  Creditor Account Number: ************;
  
  **********************, LLC (CRM)has received your January 4, **** complaint filed with the Better Business Bureau and understands that you state that this file is to report unauthorized accounts that are reported to your credit. You state that the accounts listed had not been a part of any financial obligations or contracts dedicated to you. You state that fraudulent accounts or charges appear on your 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 AT&T Mobility, and is not the original creditor.
  On January 5, 2022, AT&T Mobility, placed the above referenced account with CRM for collection in the amount of $1,538.39.
  On January 13, 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.
  On February 26, 2022, the account was credit reported to Experian and on February 28, 2022, the account was credit reported to Transunion in compliance with the Fair Credit Reporting Act (FCRA).
  On April 24, 2023, CRM was notified about fraud through CRAs.The account was placed on restricted status. CRM updated the tradeline to reflect as disputed. On April 26, 2023, CRM mailed you the fraud packet.
  On April 27, 2023, CRM was notified about fraud through CRAs.The account was placed on restricted status.
  On January 4, ****, CRM was notified about fraud through CRAs and through BBB complaint. The account was placed on restricted status respectively.On January 5, ****, 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 CRM at ************ for any further questions.
  
  *CRM COMPLIANCE DEPARTMENT *
  *THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

• Initial Complaint

  Date:01/04/2024

  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 had **************** in ******** a few years ago. I canceled the service after moving to ****** ********. The account somehow ended up with Credence. I sent the following questions about the charges:May I have a copy of the original bill that shows what the debt is for?Can you send me a copy of the original DirectTV contract?Do you have a copy of my history of payments (i.e., 2 years)? (itemized bill attached). However, it doesn't make sense. Can you provide me with the original contract with DirectTV with my signature on it?Are you licensed to collect in the *****************?I have not received any information that shows why this is owed to DirectTV. I spoke with *** in collections/billing at DirectTV about this account, and he could not tell me as well. I am trying to get a resolution regarding this charge. Credence has sent me a summary of old charges that were paid when I had service. The account is closed, and I now live in ********. The DirectTV box was returned. I only needed to try to resolve this matter with Credence.I am looking for some answers from Credence,

  Business Response

  Date: 01/17/2024

  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: 01/25/2024

  *** Reference Number: 274482563;
  Creditor Name: DIRECTV, LLC;
  Creditor Account Number: ********;
  
  **********************, LLC (***) has received your January 04, **** complaint filed with the Better Business Bureau and understands that you state that you had not received any information that shows why you owe it to DirecTV. You state that you had canceled the service after moving to ***************. You state that *** sent you summary of old charges that were paid when you had service. You state that you dispute this debt. You want *** to send you the original contract with DirecTV. You want to know if licensed to collect in the *****************. Based upon our research ***s findings are as follows:
  *** has reviewed your correspondence and would like to appraise you that *** is a collection agency working on behalf of DIRECTV, LLC, and is not the original creditor.
  On December 2, 2023,DIRECTV, LLC, placed the above referenced account with *** for collection in the amount of $341.36.
  On December 5, 2023, *** 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. *** 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 13, 2023, *** was notified about dispute through correspondence.The account was placed on restricted status.
  On December 26, 2023, *** mailed you the copy of validation obtained from the creditor.
  On December 28, 2023, *** was notified about dispute through correspondence.The account was placed on restricted status.
  As per the records, on January 4,****, *** received multiple calls from you upon which you notified *** about dispute. The account was placed on restricted status. On the same day *** received another call from you and wanted to know the settlement. The *** representative offered you $225.50 to close the account for less than the complete balance and you ended the call.
  On January 4, ****, *** was notified about dispute through correspondence and through BBB complaint. The account was placed on restricted status respectively. *** notified the creditor about the same. On the same day *** emailed you the copy of validation obtained from the creditor.
  On January 6, ****, the creditor recalled the account. *** closed the account and returned it to the creditor.
  On January 11, ****, and on January 15, ****, *** mailed you the account recall letter.
  On January 16, ****, *** emailed you the account recall letter.
  *** received an attachment with the complaint however you did not provide the password for the attached correspondence.
  You may contact the creditor directly for any further queries.
  
  **** COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

• Initial Complaint

  Date:01/04/2024

  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.

  Don't know where the charge came from . It just appeared in my account for that past 1-2 months when I have not made any purchases. It seems that my identity has been stolen as my bank let me know that my information, my social security number and my email were taken in the dark web.

  Business Response

  Date: 01/17/2024

  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: 01/25/2024

  CRM Reference Number: 350378175;
  Creditor ************** US,Inc.;
  Creditor Account Number: *********;
  
  **********************, LLC (CRM) has received your January 4, **** complaint filed with the Better Business Bureau and understands that you state that these charges appeared on your account and you state that you had not made any purchases. You state that your identity was stolen including your information social security number and email were taken in the dark web. 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 November 3, 2023, ******** US, ***** placed the above referenced account with CRM for collection in the amount of $422.48.
  On November 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. 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 23, 2023, the account was credit reported to Experian and Transunion in compliance with the Fair Credit Reporting Act (FCRA).
  On January 4, ****, CRM was notified about fraud through BBB complaint. The account was placed on restricted status. On January 8, ****, CRM mailed you the fraud packet.
  You must return a completed fraud packet for the creditor to investigate your claim. Failure to return a completed fraud packet 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 CRM at ************ for any further questions.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

• Initial Complaint

  Date:01/02/2024

  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 HURT AND REALLY DISGUSTED THAT COLLECTIONS, INQUIRIES AND OTHER ACCOUNTS HAVE BEEN ADDED TO MY CREDIT WITHOUT MY CONSENT. I KINDLY DEMAND THESE ITEMS ARE DELETED FROM NOT ONLY MY CREDIT REPORT, BUT ALL AGENCIES THAT HOUSE THIS INFORMATION. THANK YOU FOR YOUR COOPERATION.Utility Account Opened by the ************* or Organization: CREDENCE RESOURCE MAN original creditor: AT T Account Number: ********* Date fraud ********/2023 Date that I discovered it:5/2020 Total fraudulent amount:$ 957 **************************** or Organization: CREDIT COLLECTION SVCS Original creditor: PROGRESSIVE Date fraud began:12/2023 Date that I discovered it:8/2021 Total fraudulent amount:$ 216 **************************** or Organization: **********************: ACTION PROPERTY MANAGEMENT Date fraud began:12/2023 Date that I discovered it:7/2017 Total fraudulent amount:$ 0 12/12/23, 1:26 PM ************************** ********************************************************* 2/2 Fraudulent Information on Credit *********************************************** or ********************* WIRELESS Account Number: **************** Date fraud ********/2023 Date that I discovered it:2/2020 Total fraudulent amount:$ **** Fraudulent Auto Loan or ************* or Organization: CREDIT ACCEPTANCE CORP Account Number: ******** Date fraud ********/2023 Date that I discovered it:10/2017 Total fraudulent amount:$ *****

  Business Response

  Date: 01/17/2024

  CRM Reference Number: 255361888;
  Creditor Name: AT&T Mobility;
  Creditor Account Number: ************;
  
  **********************, LLC (CRM) has received your January 4, **** complaint filed with the Better Business Bureau and understands that you state that collections,inquiries and other accounts were added to your credit without your consent. You believe this is was opened by a thief. You state that you had not agreed or signed for these accounts. 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 May 19, 2020, AT&T Mobility, placed the above referenced account with CRM for collection in the amount of $957.46.
  On October 8, 2020, 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 November 23, 2020, the account was credit reported to Experian and Transunion in compliance with the Fair Credit Reporting Act (FCRA).
  On January 3, ****, CRM was notified about dispute through CRAs. The account was placed on restricted status. CRM updated the tradeline to reflect as disputed.
  On January 4, ****, CRM was notified about fraud through BBB complaint. The account was placed on restricted status. On January 5, ****, CRM mailed you the fraud packet.
  On January 6, ****, CRM was notified about fraud 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.

• Initial Complaint

  Date:01/02/2024

  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 tried **** phone service I did not care for the coverage and canceled the service. I was told I had 14 days to return the phones. I am a cancer patient and I was not able to return the phones in 14 days. I believe it was closer to 30 days because I live out of town and was not feeling well do to my cancer. I returned the phones to ********* ****** store. I didnt hear anything from **** until I received this notification from Credence. Needless to say Im not happy about this situation. The very most I should owe is 1 month of service. Im looking forward to getting this resolved in a timely manner.Account# ************ Thank you,***************************** ************.

  Business Response

  Date: 01/17/2024

  CRM Reference Number: 274195421;
  Creditor Name: AT&T Mobility;
  Creditor Account Number: ************;
  
  **********************, LLC (CRM)has received your January 4, **** complaint filed with the Better Business Bureau and understands that you state that you tried AT&T phone service and you state that you had canceled the service. You state that due to you were not able to return the phones in 14 days due to health issues. You state that you had returned the phones to ********* ****** store. You believe you owe is 1month of service. 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 $2,273.79.
  On November 21, 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.
  As per the records, on January 2, ****, CRM received a call from you, upon which you notified CRM about dispute. The account was placed on restricted status.
  On January 4, ****, 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 3 lines (during account lifetime)ending numbers ****, **** and ****. Account was opened on 01/23/2023 and cancelled on 02/19/2023 due to customer request to port services out. There was no payment activity during account lifetime. 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 2 financed devices ($1,165.65 for line **** and $709.71 for line ****). Charges are valid due to customer acceptance of contract and Terms & Conditions under the name of ******************************
  You may contact CRM at ************ for any further questions.
  
  *CRM COMPLIANCE DEPARTMENT *
  *THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

• Initial Complaint

  Date:01/02/2024

  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 requesting that collection account be removed from my credit report. I was never provided proof of debt of validation and there was no original contract that was provided to me either, that proves I owe this debt. If proof can not be provided, please remove from credit report and cease collection immediately.

  Business Response

  Date: 01/24/2024

  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: 02/01/2024

  CRM Reference Number: 350285977;
  Creditor ************** US,Inc.;
  Creditor Account Number: *********;
  
  **********************, LLC (CRM) has received your January 4,**** complaint filed with the Better Business Bureau and understands that you state that you were never provided proof of debt of validation. You state CRM did not provide you the original contract. You state that you dont owe this 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 ******** US, ***** and is not the original creditor.
  On October 06, 2023, ******** US, ***** placed the above referenced account with CRM for collection in the amount of $498.09.
  On November 29, 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 16, 2023, the account was credit reported to Experian and Transunion in compliance with the Fair Credit Reporting Act (FCRA).
  On December 29, 2023 and on December 30, 2023 CRM was notified about dispute through CRAs. The account was placed on restricted status respectively. CRM updated the tradeline to reflect as disputed.
  On January 2, ****, CRM was notified about dispute through correspondence. The account was placed on restricted status.
  On January 4, ****, 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 activated on 09/19/2019 and cancelled on 02/14/2023. Found usage till 12/28/2023. Received last payment on account of $104.17 on dated 11/12/2022 and bill generated after went unpaid. Final equipment plan billed on account.Equipment plan check in device return tool which is not return. If customer return the device then need to provide proof of return. Once received we will treat accordingly. Current Account Balance -$498.09, equipment, service, late fee, including collection fee of $35.46. Late fee is for late payment. Service charges are valid for service rendered. Equipment charges are valid for the pending equipment due.
  On January 17, ****, 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:01/01/2024

  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 this agency trying to collect and report a issue to my credit. This creditor did not provide a contract as requested and I would like for this to be removed from my credit report

  Customer Answer

  Date: 01/05/2024

  I am not liable for this debt because I have not opened this account and is unaware of these charges. This company did not provide me with contract and I believe these charges are fraudulent.

  Business Response

  Date: 01/24/2024

  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: 02/01/2024

  CRM Reference Number: 349859496;
  Creditor ************** US,Inc.;
  Creditor Account Number: *********;
  
  **********************, LLC (CRM) has received your January 4, **** 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 who is trying to collect and report a issue to your credit. You state that the creditor did not provide you with 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 ******** US, ***** and is not the original creditor.
  On May 2, 2023, ******** US, ***** placed the above referenced account with CRM for collection in the amount of $4,438.63.
  On May 4, 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 June 17, 2023, the account was credit reported to Experian and Transunion in compliance with the Fair Credit Reporting Act (FCRA).
  On December 30, 2023, CRM was notified about fraud through CRAs. The account was placed on restricted status. CRM updated the tradeline to reflect as disputed.
  On January 3, ****, CRM mailed you the fraud packet.
  On January 4, ****, CRM was notified about dispute through BBB complaint. The account was placed on restricted status.
  On January 28, ****, the creditor recalled the account. CRM closed the account and returned it to the creditor.
  You must return a completed fraud packet for the creditor to investigate your claim. Failure to return a completed fraud packet may result in the creditor continuing to pursue collection of the 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.

• Initial Complaint

  Date:01/01/2024

  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: 01/04/2024

  There was no phone calls emails nor text messages sent or mail. I have not signed agreements with this company and never heard of them. Without proper documentation and verification by law this have to be removed 

  Business Response

  Date: 01/17/2024

  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: 01/25/2024

  CRM Reference Number: 273884691;
  Creditor Name: AT&T Mobility;
  Creditor Account Number: ************;
  
  **********************, LLC (CRM) has received your January 4, **** complaint filed with the Better Business Bureau and understands that you state that you are not liable for this debt to the original creditor. You state that you do not have a contract with CRM. You state that CRM did not send you the original contract. 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 1, 2023,AT&T Mobility, placed the above referenced account with CRM for collection in the amount of $874.96.
  On November 2, 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 23,2023, the account was credit reported to Experian and Transunion in compliance with the Fair Credit Reporting Act (FCRA).
  On January 4, ****,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 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 02/22/2021 and cancelled on 11/07/2022 due to non-payment. Last payment processed on the account was on 08/30/2022 for $217.18. First day of delinquency after cancellation was on 12/19/2022 with a balance of $874.96. AT&T has not sold this account. On 11/01/2023, AT&T Mobility forwarded the subject account to **********************, LLC, for collections on the balance of $874.96. 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 **** found on records, for $476.60. Charges & Collection activity are valid due to customer acceptance of contract and Terms & Conditions under the name of ******************************
  On January 16, ****,CRM was notified about fraud through CRAs. The account was placed on restricted status.
  On January 23, ****,CRM mailed you the copy of contract obtained from the creditor.
  For fraud related issues you can login to *********************************** and complete the fraud procedure. You must complete the fraud procedure for the creditor to investigate your claim. Failure to do so may result in the creditor continuing to pursue collection of the account.
  You may contact CRM at ************ for any further questions.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

• Initial Complaint

  Date:01/01/2024

  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 dont have any contract with this company nor applied any credit extention. I have requested for proof and documents but got no response. This company is a debt buyer and collection company are not CREDITOR. The reporting of this account is inaccurate. This violates FDCPA and FCRA. You need to prove this with documents, this is a violation of my consumer rights, please delete immediately.

  Business Response

  Date: 01/16/2024

  Credence Resource Management, LLC (CRM) has received your January 1, **** complaint filed with the Better Business Bureau and understands that you state that you dont have any contract with CRM nor applied any credit extention. You state that you had requested for proof and documents but got no response. You state that CRM is a debt buyer and collection company are not Creditor. You state that CRM reported inaccurate information. You believe that CRM violated the law. CRM requests additional information to continue the investigation. Please send an email to ***********************************
  
  You may contact CRM at ************ for any further questions.
  
  *CRM COMPLIANCE DEPARTMENT *
  *THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

• Initial Complaint

  Date:01/01/2024

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

  Customer Answer

  Date: 01/03/2024

  I do not owe them money I paid off 

  Business Response

  Date: 01/17/2024

  CRM Reference Number: 350091926;
  Creditor ************** US,Inc.;
  Creditor Account Number: *********;
  
  **********************, LLC (CRM) has received your January 3, **** 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 with original contract. 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 21, 2023, ******** US, ***** placed the above referenced account with CRM for collection in the amount of $283.19.
  On July 24, 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 9, 2023, the account was credit reported to Experian and Transunion in compliance with the Fair Credit Reporting Act (FCRA).
  On January 3, ****, 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 activated as postpaid Individual-Regular as billing person name ***** *****************************.Original billing responsible party responsible for charges billed on account.Customer needs to resolve balance on same account. Found usage till 09/21/2022 which is within buyers remorse period so we have treat this account as buyers remorse and prorate monthly recurring charges on account. There is no payment made on account. If customer made another payment then need to provide proof of payment. OCA fee of $37.89 adjusted against MRC charges. Current account balance of $93.74 consist of service charges of $19.11, Late fee of $3.69,Assurant charges of $14.30, Including collection fee of $56.64. Late fee is for late payment. Service charges are valid for service rendered. Assurant charges are valid for insurance warranty and mobile security.
  On January 5, ****, and on January 6, ****, the creditor notified CRM about multiple credit adjustment.Same was applied to your account and updated balance was $93.74.
  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.