ComplaintsforCredence Resource Management LLC

• Initial Complaint

  12/17/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name: Credence Resource Management, LLC, Account Number: XXXXXXXXXXXX Credence Reference ID: XXXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions 15 U.S.C 1681c. (a)(5) Section States: no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 (A)(1) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also this company only has a license to collect debt in 11 states. Those states are: Connecticut, Idaho, Indiana-SOS, Maryland, Massachusetts, Nevada-FID, New Mexico, North Dakota, Oregon, Rhode Island & Wyoming. Which is verified on **********************************************************XXXXXXX. Remove this account immediately!! It was also disputed with another company & was sold to this company. I would like for this account to not be sold to another collection agency. Attachments below.

  Business response

  03/14/2023

  Business Response /* (1000, 5, 2022/12/30) */ 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

  12/16/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I noticed this debit on my credit report and I am not liable for this debt with *** which was even updated on 9/06/2022, and I do not have a contract with Credence Resource Management. They did not provide me with the original application like I asked.

  Business response

  03/14/2023

  Business Response /* (1000, 5, 2022/12/30) */ 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

  12/14/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I received a notice that I have a collection from ******* RESOURCE MANA on my credit report. It says it was opened on Aug 25, 2022 for 2,439 with account number starting in XXXXXXXXX that I am not aware of nor am I responsible for. I never went into business with this company or signed any agreements with them so they should not be reporting anything on my credit. This is a violation of my rights as a consumer according to the FCRA and FDCPA. I would like for this collection to be removed asap or I will file a CFPB and FTC report.

  Business response

  03/14/2023

  Business Response /* (1000, 5, 2022/12/28) */ CRM Reference Number: XXXXXXXXX; Creditor Name: ********* Creditor Account Number: XXXXXXXXX; Credence Resource Management, LLC (CRM) has received your December 14, 2022, complaint filed with the Better Business Bureau and you state that you never had any business with CRM. You state that you had not signed any agreement with CRM. You state that you are not aware about this account. You state that CRM reported inaccurate information to the CRA's. You believe CRM had violated your rights. Based upon our research, CRM's 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. CRM doesn't need to have a contract in order to collect on the account. On August 25, 2022, ********, placed the above referenced account with CRM for collection in the amount of $2,439.08. On August 26, 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 undeliverable and no record of you disputing the debt or requesting validation during the 30-day period. On October 15, 2022, the account was credit reported to Experian and to TransUnion in compliance with the Fair Credit Reporting Act (FCRA). On December 14, 2022, CRM was notified of your fraud claim through BBB complaint. The account was moved to fraud status. On December 16, 2022, 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. Once the form is completed and returned to ********, the fraud team will review the customer's claim and treat the account based on their findings. CRM requested its entry be removed from Transunion and Experian. CRM cannot affect a change in whether the creditor or another entity has or will later report the account on your credit report. CRM also cannot affect a change as to when the credit bureau processes the deletion request CRM submitted relating to the account. CRM has no control over whether the creditor places the account with another collection agency for continued collection. You may contact the creditor directly for any further questions. *CRM COMPLIANCE DEPARTMENT * *THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

• Initial Complaint

  12/10/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I do not have a contract or financial agreement or financial obligation with credence resource management. I have written to them and asked for a letter with original signatures or some evidence of this account. This is definitely something I agreed to. This is not my account. This reports on TransUnion Experian and Equifax for $1,275 as a collection.

  Business response

  03/14/2023

  Business Response /* (1000, 5, 2022/12/26) */ CRM REFERENCE NUMBER: XXXXXXXXX; CREDITOR NAME: ********* CREDITOR ACCOUNT NUMBER: XXXXXXXXX; Credence Resource Management, LLC (CRM) has received your December 12, 2022, complaint filed with the Better Business Bureau and understands you state that you do not have a contract or financial agreement or financial obligation with CRM. You want CRM to send you validation of this debt. You state that this is not your debt. Based upon our research, CRM's 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. CRM doesn't need to have a contract in order to collect on the account. On October 14, 2022, ********, placed the above referenced account with CRM for collection in the amount of $1,275.97. On October 17, 2022, CRM mailed you 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 as undeliverable. On December 3, 2022, the account was credit reported to TransUnion and to Experian in compliance with the Fair Credit Reporting Act (FCRA). On December 12, 2022, CRM was notified of your fraud claim through BBB complaint. Account was moved to restricted status. On December 13, 2022, CRM emailed 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. Once the form is completed and returned to ********, the fraud team will review the customer's claim and treat the account based on their findings. 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 has no control over whether the creditor places the account with another collection agency for continued collection. The account remains in a restricted status. A copy of validation information obtained from the original creditor will be mailed to you. You may contact CRM at XXX-XXX-XXXX for any further questions. *CRM COMPLIANCE DEPARTMENT * *THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

• Initial Complaint

  12/02/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this debt with Credence Resource Management LLC and do not have a contract with them. They did not provide me with the original application that I requested.

  Business response

  03/14/2023

  Business Response /* (1000, 5, 2022/12/19) */ 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

  11/21/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  The date of the correspondence uses Oct 28. 2021. I have spoken with Credence MULTIPLE times to advise them that I owe ATT NO MONEY AT ALL. I threatened to contact the BBB before and some manager got on the phone and asked me not to. He implied that could settle for a reduced amount. I would not because I owe them absolutely NOTHING. I really thought I had explained and that this would go away but obviously it has not and i was mislead. They call every number in our house. The phone was paid for and would not work unless you purchased minutes. We simply purchased no more minutes and got a new phone with a new carrier. There is no amount due - in fact, we left a balance of minutes on the card. IF you didnt buy minutes, you had no service. I have spoken with many people and this is my last resort. I pay my bills. I do NOT owe these people money and I can see from several reviews this appears to be how they operate.

  Business response

  03/06/2023

  Business Response /* (1000, 5, 2022/12/06) */ CRM REFERENCE NUMBER: XXXXXXXXX; CREDITOR NAME: AT&T Mobility; CREDITOR ACCOUNT NUMBER: XXXXXXXXXXXX; CRM REFERENCE NUMBER: XXXXXXXXX; CREDITOR NAME: AT&T Mobility; CREDITOR ACCOUNT NUMBER: XXXXXXXXXXXX; Credence Resource Management, LLC (CRM) has received your November 21, 2022, complaint filed with the Better Business Bureau and understands you state that you had spoken multiple times with CRM and notified them of your dispute. You state that you threatened CRM stating you will contact BBB and a manager came online and advised you to pay the reduced amount. You state that you denied the offer as you were not liable for this debt. Based upon our research CRM's findings are as follows: On October 29, 2021, AT&T Mobility placed the above referenced account in the name of ****** A **** with CRM for collection in the amount of $157.02 and on October 29, 2021, CRM mailed you 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 undeliverable and no record of you disputing the debt or requesting validation during the 30-day period. On November 08, 2021, CRM established contact with you. As per the records you notified CRM of dispute. CRMs manager informed you about the dispute procedure. Your account was placed in dispute status. On April 27, 2022, your account was recalled by the client. On October 26, 2022, AT&T Mobility reassigned the above referenced account in the name of ****** A **** with CRM for collection in the amount of $157.02 and on November 01, 2022, CRM mailed you 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 undeliverable and no record of you disputing the debt or requesting validation during the 30-day period. On November 03, 2022, CRM established contact with you. As per the records you informed CRM that you received calls from CRM on three different phone numbers and requested CRM to stop calls. CRMs representative explained you that CRM was trying to reach Mr. ****** ****. You informed CRM that you are his spouse. You notified CRM of dispute and stated that you will speak with BBB about the same. Your account was placed in dispute status. On November 21, 2022, CRM received BBB complaint notification. Your account was placed in cease and desist status. CRM notified the creditor of same. As per the creditor "This account stands for an AT&Ts postpaid wireless service for 2 Lines (During account Lifetime) ending numbers 0820 and 0007. Account was opened on 03/18/1997 and cancelled on 08/17/2021 due to customer request. Last payment processed on the account was on 06/07/2021 for $69.27. Customer is responsible for the charges of usage reflected on the service during the time account was active. Charges & collection activities are valid due to customer acceptance of contract and Terms & Conditions under the name of ****** A. ****. On November 25, 2022, your account was recalled by the creditor. You may contact creditor directly for any further questions regarding the account. *CRM Compliance Department **This communication is from a debt collector.

• Initial Complaint

  11/19/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am liable for this AT&T and do not have a contract with Credence Resource Management. They do not provide me with the original application like I asked.

  Business response

  03/06/2023

  Business Response /* (1000, 5, 2022/12/05) */ 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

  11/16/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  This company keeps calling me. I'm sure it's about ****. I don't owe any money to them, as I've never had ****, so it must've been the person that had my phone number before me. I just want them to stop calling me on a daily basis using different phone numbers.

  Business response

  03/14/2023

  Business Response /* (1000, 5, 2022/11/18) */ Credence Resource Management, LLC (CRM) has received your November 17, 2022 complaint filed with the Better Business Bureau and understands you state that you don't owe any money to CRM. You state that you never had ****. CRM is unable to locate any records in our system based on the information provided. Therefore, we are unable to investigate your complaint. CRM requests additional information to continue the investigation such as: the account holder's full name, address, social security number, and any telephone numbers associated with the account holder; CRM's reference number; the name of the original and/or current creditor; and, the creditor's account number. You may provide the requested information by calling XXX-XXX-XXXX or by mailing a letter to CRM at **** Trinity Mills, Suite **** Dallas, TX XXXXX. *CRM COMPLIANCE DEPARTMENT **THIS COMMUNICATION IS FROM A DEBT COLLECTOR. Consumer Response /* (3000, 7, 2022/11/21) */ (The consumer indicated he/she DID NOT accept the response from the business.) How can I send them the info they want when I'm do NOT have an account with them! What about that don't they understand?! I'm not the person that owes them money. I don't want them to call me ever again. Business Response /* (4000, 9, 2022/11/22) */ Credence Resource Management, LLC (CRM) has received your November 22, 2022 complaint filed with the Better Business Bureau and understands that you state that you do not have an account with CRM. You request CRM to stop the calls on your phone XXX-XXX-XXXX. Based upon our research, CRM's findings are as follows: CRM has added the number XXX-XXX-XXXX to its internal do not call list and will not place any further calls to you. *CRM COMPLIANCE DEPARTMENT **THIS COMMUNICATION IS FROM A DEBT COLLECTOR. Consumer Response /* (3000, 16, 2022/12/28) */ The phone number Credence has is wrong, so I guess that's why they are still calling. My number that I don't want calls from them is: XXX-XXX-XXXX. Why would they want all that info from me? They still act like I have an account with them! Business Response /* (4000, 18, 2023/01/12) */ Credence Resource Management, LLC (CRM) has received your January 3, 2023 complaint filed with the Better Business Bureau and understands that you state you have received repeated calls from CRM. You request CRM to stop calling your phone number. Based upon our research, CRM's findings are as follows: CRM is a debt collection agency that has been hired to collect on a past due debt. Telephone number XXX-XXX-XXXX was listed on the responsible consumer's credit report. You have advised that this number belongs to you. You are not the responsible consumer for the account. Calls were placed to XXX-XXX-XXXX in accordance with federal and state regulations. CRM has removed your telephone number from the account and will not place any further calls to you regarding this account. *CRM Compliance Department **This communication is from a debt collector. Consumer Response /* (2000, 20, 2023/01/13) */ (The consumer indicated he/she ACCEPTED the response from the business.)

• Initial Complaint

  11/15/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I moved from my apartment April 2022 and AT&T requested that I return my router for my internet. It is (and was) in the breaker box of the apartment and an electrician had to put it in. I called AT&T several times spending several hours talking to them about the issue and they agreed on every phone call that they would waive the fee. Then a few months later they sent my bill to a debt collector, Credence, to collect money for the equipment and said I never returned it. Of course I didn't because it is in the breaker box. I called the debt collector and Credence October 5th to resolve the issue, and on the phone AT&T said it was a mistake and they would take care of it on a 3-way call (see email for more information). On November 8th I received an email from Credence saying my dispute was denied because AT&T said that the charges were valid. Less that 6 days later my credit score dropped by over 100 points. I called Credence November 14th to see what happened. They were not able to provide me any information except for what I already had, which was very frustrating because at this point it is a "he say she say" between AT&T and Credence. Today Nov. 18th I paid the debt collector $164.30 because I didn't want to wait several more days/ weeks to get the run around again. I am in the middle of moving again for work and I did not expect this at all. I will now be in the process of closing all current accounts with AT&T. I would like someone to contact me immediately and want detailed documentation about how they came to the conclusion to deny my dispute with the creditors and how it ever got this far to begin with. This is very upsetting. I have also requested the recordings of both calls with Credence where I had an AT&T representative on the phone saying that the issue would be resolved and I did not need to do anything further. I would also like detailed documentation about reporting this matter with the credit bureaus. Thank you, *******

  Business response

  02/16/2023

  Business Response /* (1000, 5, 2022/11/28) */ 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

  11/10/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Numerous consumer law violations FTC/CFPB/FCRA as well. I have tried to fix the situation Numerous of times. And still don't even have wet signiture/detailed accounts showing the amount is correct or even the owner info. Remove it all forever and send me a letter stating it is done.

  Business response

  02/16/2023

  Business Response /* (1000, 5, 2022/11/23) */ Credence Resource Management is investigating the complaint and will provide a full response shortly *CRM COMPLIANCE DEPARTMENT **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

*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. ↩