MRS BPO, LLC

2019-12-02

VA

Took or threatened to take negative or legal action

Debt collection: Private student loan debt

Threatened to sue you for very old debt
Complaint: I attended the XXXX XXXX XXXX XXXX in XXXX. I signed a loan with my mother as a cosigner with the promise of the school that there would be " lifetime '' education, access to equipment and job placement assistance. The school closed without notice in XXXX. I stopped paying this debt in XXXX, after paying since XXXX with only a few lapses, due to financial hardships.The debt has been passed to a number of aggressive collections agencies and now appears multiple times on my credit report, reducing my score significantly. It is my understanding that our current President had to repay the students that attended his university as they were misled and essentially not given what they paid for. After research on current litigation, I believe this debt is fraudulent as I was misled by false advertising and false promises. I also believe the XXXX XXXX XXXX XXXX should be investigated and the tuition paid to this company masquerading as school should be returned to the people who attended their closed locations, including but not limited XXXX, VA. This debt, that I assume XXXX XXXX XXXX XXXX has absolutely nothing to do with at this point, is hindering my ability to purchase a home, to return to school and to sign up for simple utilities for my family. Please do something.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-12-01

Philadelphia, PA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: MRS BPO Account # : Unknown Amount : {$260.00} To Collection Manager : This is a second letter is to inform you that the validity of this debt is disputed. I am unaware of this account and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ) which had been deleted and readded as MRSBPOLLC and various names abbreviations pointing to your organization. As we both know, I have the right to dispute this account, request for verification, and/or request for validation of this debt. However, in order to quickly resolve this account, I would like to see the contract/agreement and any other supporting document you may have that I have willingly entered into any sort of agreement with MRS BPO and if or where I agreed to have business with you or paperwork contracted for myself, XXXX XXXX & MRS BPO. I have made several attempts to reach your organization without resolve as each time because I am asked personal information which I do not feel obligated to give out to your representatives as I have no knowledge of being contracted to you in any way. Bills, and any statements that are originated from a secondary part are not considered validation of debt to you. Unless MRS BPO can provide proper validation as recognized in FCRA 15 U.S. Code 1692g ALL reported information regarding this account must be deleted from ALL credit reporting agencies immediately following receipt of this letter as specified above. Thank you for your time. XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2019-11-30

Glendale, CO

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-11-29

MI

Communication tactics

Debt collection: Private student loan debt

Frequent or repeated calls
Complaint: I agreed to a settlement on a debt which was acquired by MRS Associates. Last Monday, XX/XX/XXXX, my wife and I signed off with our bank to secure the amount I had agreed upon. There was then a required three day waiting period before the funds could be dispersed. Funds were dispersed on Friday, XX/XX/XXXX. MRS Associates was made aware of this timeline and assured me calls to my cosigner would stop. On Monday, XX/XX/XXXX I was already receiving calls from MRS Associates harassing me because they had not yet received the check. They have continued to call me all week, and resumed calling my cosigner today. I called in to the person whom I had been working with today to find out what is going on, and she was extremely unreasonable, demanding multiple times that I contact my financial institution, even though I told her they were closed for the holiday weekend. Basically, long story short is that I've agreed to a settlement with them and have taken care of securing the funds on my end. I've signed off on everything with my credit union and funds were to be dispersed on Friday, XX/XX/XXXX. MRS Associates began harassing me on Monday, XX/XX/XXXX because they had not yet received the money. The dispersement of the check is out of my hands, but waiting zero business days before resuming calls seems like textbook harassment to me.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-11-28

Reynolds, IN

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2019-11-27

Magnolia, TX

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: Request for VALIDATION, NOT Verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2019 MRS ASSOCIATES XXXX XXXX XXXX XXXX XXXX, XXXX RE : XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to p ay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2019-11-25

NJ

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I checked my credit report and saw an erroneous debt with this company. I do not believe I owe this debt so I disputed it and the results were that it was verified as accurate. They are allegedly reporting 100 % accurate data. Since they have verified inaccurate and erroneous information, they have violated my consumer rights under 15 USC 1681 FCRA and 1692 FDCPA.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2019-11-22

AZ

Communication tactics

Debt collection: Other debt

Called before 8am or after 9pm
Complaint: I started receiving calls XXXX at XXXX XXXX, XXXX XXXX XXXX ( I answered and after they said they were with XXXX and they were looking for a specific person I informed them that they had the wrong number and needed to stop calling. ) XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. I called XXXX customer service explained to them that i was receiving calls from a group impersonating XXXX there is a big difference between the real XXXX automated service and the limited capability employed by these numbers which leads me to believe that MRS Assoc is running a fake line to identify and trick their debtors as XXXX confirmed their systems had no record of calls to my number. I then received a text message this morning at XX/XX/XXXX stating " Please contact MRS Assoc. rguarding a XXXX XXXX matter at XXXX. This is an attempt to collect a debt and any information obtained will be used for that purpose MRS is a debt collector. X : unbrty. 804. Acquisition of location information [ 15 USC 1692b ] Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 805. Communication in connection with debt collection [ 15 USC 1692c ] ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX o'clock XXXX and before XXXX o'clock XXXX, local time at the consumer 's location ; Fair Debt Collection Practices Act FDCPA Written by : XXXX XXXX The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity. However, it does not apply to your original creditor. The Federal Trade Commission ( FTC ), the nation 's consumer protection agency, enforces the FDCPA, which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect debt from you. If you feel you are a victim of unfair debt collection practices, contact the FTC immediately. THE FAIR DEBT COLLECTION PRACTICES ACT As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) As a public service, the staff of the FTC has prepared this following complete text of the Fair Debt Collection Practices Act - 1692-1692p. The format of this text differs slightly from the actual U.S. Code. 801. Short title 802. Congressional findings and declaration of purpose 803. Definitions 804. Acquisition of location information 805. Communication in connection with debt collection 806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts 810. Multiple debts 811. Legal actions by debt collectors 812. Furnishing certain deceptive forms 813. Civil liability 814. Administrative enforcement 815. Reports to Congress by the Bureau ; views of other Federal agencies 816. Relation to State laws 817. Exemption for State regulation 818. Exception for certain bad check enforcement programs operated by private entities 819. Effective date 801. Short Title [ 15 USC 1692 note ] This title may be cited as the " Fair Debt Collection Practices Act. '' 802. Congressional findings and declarations of purpose [ 15 USC 1692 ] ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. ( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers. ( c ) Available non-abusive collection methods Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts. ( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce. ( e ) Purposes It is the purpose of this title to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. 803. Definitions [ 15 USC 1692a ] As used in this subchapter -- ( 1 ) The term " Bureau '' means the Bureau of Consumer Financial Protection. ( 2 ) The term " communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. ( 3 ) The term " consumer '' means any natural person obligated or allegedly obligated to pay any debt. ( 4 ) The term " creditor '' means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. ( 5 ) The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. ( 6 ) The term " debt collector '' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 808 ( 6 ), such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. The term does not include -- ( A ) any officer or employee of a creditor while, in the name of the creditor, collecting debts for such creditor ; ( B ) any person while acting as a debt collector for another person, both of whom are related by common ownership or affiliated by corporate control, if the person acting as a debt collector does so only for persons to whom it is so related or affiliated and if the principal business of such person is not the collection of debts ; ( C ) any officer or employee of the United States or any State to the extent that collecting or attempting to collect any debt is in the performance of his official duties ; ( D ) any person while serving or attempting to serve legal process on any other person in connection with the judicial enforcement of any debt ; ( E ) any nonprofit organization which, at the request of consumers, performs bona fide consumer credit counseling and assists consumers in the liquidation of their debts by receiving payments from such consumers and distributing such amounts to creditors ; and ( F ) any person collecting or attempting to collect any debt owed or due or asserted to be owed or due another to the extent such activity ( i ) is incidental to a bona fide fiduciary obligation or a bona fide escrow arrangement ; ( ii ) concerns a debt which was originated by such person ; ( iii ) concerns a debt which was not in default at the time it was obtained by such person ; or ( iv ) concerns a debt obtained by such person as a secured party in a commercial credit transaction involving the creditor. ( 7 ) The term " location information '' means a consumer 's place of abode and his telephone number at such place, or his place of employment. ( 8 ) The term " State '' means any State, territory, or possession of the United States, the District of Columbia, the Commonwealth of Puerto Rico, or any political subdivision of any of the foregoing. 804. Acquisition of location information [ 15 USC 1692b ] Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and ( 6 ) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorney 's name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to the communication from the debt collector. 805. Communication in connection with debt collection [ 15 USC 1692c ] ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX o'clock XXXX and before XXXX o'clock XXXX, local time at the consumer 's location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer ; or ( 3 ) at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than a consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. ( d ) " Consumer '' defined For the purpose of this section, the term " consumer '' includes the consumer 's spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator. 806. Harassment or abuse [ 15 USC 1692d ] A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with thecollection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. ( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) 1 of this title. ( 4 ) The advertisement for sale of any debt to coerce payment of the debt. ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. ( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the caller 's identity. 807. False or misleading representations [ 15 USC 1962e ] A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section. I'm sure an investigation into these numbers would show that the numbers are in fact linked to the MRS Assoc. Further more the use of txt messaging to convey an attempt to collect a debt is the equivalent of sending mail with the stating along with the name that an attempt to collect a debt on the front of an envelope.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-11-21

Stkn, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-11-18

MI

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: Debt was not owed. Company has been reporting false information on my credit report. Federal law provides that it is a crime to violate the Rights of a citizen under the color-of-law. You can be arrested for this crime and you can also be held personally liable for civil damages. Attempting to cause a person to do something by telling that person that such action is required by law, when it is not required by law, may be a felony. 18 USC 242 provides that whoever, under color of any law, statute, ordinance, regulation, or custom, willfully subjects any person in any State, Territory, Commonwealth, Possession, or District to the deprivation of any rights, privileges, or immunities secured or protected by the Constitution or laws of the United States ... shall be fined under this title or imprisoned not more than one year, or both. 18 USC 245 provided that Whoever, whether or not acting under color of law, intimidates or interferes with any person from participating in or enjoying any benefit, service, privilege, program, facility, or activity provided or administered by the United States ; [ or ] applying for or enjoying employment, or any perquisite thereof, by any agency of the United States ; shall be fined under this title, or imprisoned not more than one year, or both. 42 USC 1983 provides that every person who, under color of any statute, ordinance, regulation, custom, or usage, of any State or Territory or the District of Columbia, subjects, or causes to be subjected, any citizen of the United States or other person within the jurisdiction thereof to the deprivation of any rights, privileges, or immunities secured by the Constitution and laws, shall be liable to the party injured in an action at law, suit in equity, or other proper proceeding for redress.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2019-11-16

WA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: Hello.this is the second time XXXX, has allowed the same person, at the same address to open an account, in my name .first time debit was trying to be collect by ... .XXXX XXXX XXXX ... I filed a police report ... stating it was fraud ... .and now same address and apt ... they did it again ... and now MRSBPO.Has acquired it ... different dollar amount..XXXX XXXX XXXX wanted XXXX.and mrsbpo wants XXXX none of which I owe
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2019-11-16

Coalinga, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-11-14

Houston, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-11-13

Macon, GA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: On XX/XX/19 I received a letter identified as from XXXX XXXX c/o XXXX, XXXX. XXXX XXXX, XXXX, MD XXXX that stated they regretted they were unable to approve me for the service because they were unable to verify my identity. I did not apply for a XXXX account, so this seemed odd. I have since contacted XXXX XXXX and their Fraud Department twice @ XXXX & XXXX and I have been told both times that there was no application for XXXX in my name at my address or any application associated with my social security number and no XXXX account exist. They also said the address on the letter from XXXX XXXX, declining credit, is not a valid bank address. However, I later received a collection notice from MRS BPO , LLC dated XX/XX/19 stating the current creditor was XXXX, XXXX with a MRS BPO , LLC account number, last four digets of a XXXX account number, that I have now confirmed with XXXX is invalid, and MRS BPO LLC claims I owe a balance of {$800.00} for XXXX chargebacks. I sent MRS BPO , LLC collection agency a certified formal written dispute letter on XX/XX/19 explaining that I had been in touch with XXXX XXXX and the fraud department at this bank, as well, and there are no XXXX accounts on file in my name at my address, as shown on their letter, that I am attaching for your review. They responded back to me in a letter on XX/XX/19with a description of three chargebacks with chargeback fees equaling {$800.00} and each of the three charges reflected a different e-mail address, none of which were mine, yet MRS BPO , LLC somehow has my name and USPS mailing address on file and attached to these chargebacks. I have checked all three of my credit reports and there are no inquiries on my credit reports that my credit has ever been checked by XXXX XXXX XXXX or that I have any kind of existing XXXX XXXX account. I have explained to MRS BPO , LLC in writing that these accounts do not belong to me, however they have left them in my name on their last letter of XX/XX/19in another attempt to collect. Will you please investigate this, as I feel like it is some sort of criminal activity and MRS BBO, LLC is involved. I confirmed on the internet that XXXX XXXX XXXX, XXXX XXXX, NJ XXXX is a valid address for MRS BPO , LLC, as shown on their letters. Please investigate and advise me of the next step in stopping this fraud and contact from MRS BPO , LLC.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-11-11

AZ

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: XXXX charged off my debt and MRS BPO LLC took over the account. I contacted MRS BPO LLC. Resolved my debt back in XX/XX/2019. XXXX has not reported to the Credit bureaus that this debt has been resolved.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-31

Cuyahoga Falls, OH

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2019-10-31

Odessa, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-30

Grosse Ile, MI

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: I received a scam collection notice from MRS BPO, L.L.C. The mailing address is XXXX XXXX XXXX, XXXX XXXX NJ XXXX. The notice claims to be collecting a debt of about {$200.00} on behalf of XXXX XXXX. I have never used any XXXX credit products and do not owe any money.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-25

Chicago, IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: In progress

Timely Response

2019-10-24

Greenbelt, MD

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-21

New Orleans, LA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2019-10-20

AL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: On XX/XX/XXXX I paid XXXX XXXX which is XXXX XXXX XXXX in full to delete from my credit report. I also paid all of the XXXX XXXX on XX/XX/XXXX pay to delete. One was with XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. I paid XXXX XXXX who told me they could not delete from my report but they have a few payments marked as not paid and they were for those 2 months. XXXX XXXX closed the account on my report but a collection agency bought it. XXXX says I owe XXXX because I volunteerly gave up my car to them so they came to my address and picked it up. Well the so called collection agency that took over told me that I owed XXXX why are the debts not the same? Also, I never heard from Mrs associates nor have I received anything in the mail from them I thought XXXX just closed it well I figured I would try to settle so I called XXXX to try to settle and that's when they told me Mrs owns it and so since then they have been calling me and sending letters but I have went a year or longer not even knowing Mrs had my debt. When I try to get my account number to pay what I can they will not give it to me they say that I do not want to do it that way that they will not get any of the money so they will not be able to subtract from debt. Also they told me they would not work with me unless I paid a {$1000.00} down they did not except my monthly payment I offered. XXXX also has a few late payments down on my report that are wrong and I can prove I paid them for that month.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-20

NY

Communication tactics

Debt collection: Credit card debt

Used obscene, profane, or other abusive language
Complaint: I received a letter on XX/XX/2019 which was dated XX/XX/2019. The mail person saw the letter, put in in the wrong mail box, but at the correct address. Due to this, every person this letter was touched by in USPS and also my neighbor and even visitors inside my home were able to see the address label on the front of the letter, which unlawfully has the collection agency 's name right on the front. This is a very popular collection agency used by many creditors and many people know them by name alone. Also, even if they didn't, they could XXXX the name and then figure put what the letter was about without ever opening it, which is unlawful. Even over the phone, there are rules that prevent collectors from disclosing the company 's name unless specifically asked since disclosing such information is unlawful which could hint towards a consumer having a debt with the collection agency. The issue is not about the letter going to the wrong address, it's about their company name being right on the front of the letter with my name on it which is a gives away that fact that I have an account with a collection agency. The bill is for {$2600.00}. This negligence is a violation of FDCPA and there needs to be consequences for these types of unlawful communications that can disclose the nature of the letter.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-18

Main Office, VA

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: Hello. I received a collections letter from MRS BPO , LLC. regarding a {$840.00} debt owed to XXXX. I contacted XXXX resolutions team in addition to their collections team and this debt is unbeknownst to them. In addition I do not have a XXXX XXXX account. I explained this to MRS representative and she stated that I can call back in 2 weeks to see if XXXX has dismissed the account/bill. I became suspicious when she stated she could not provide me the telephone number or the any other demographic information that a collections agency should possess if they are legitimate in handling a legitimate account. In addition I never received delinquent pay notices or final notices from XXXX XXXX prior to account submittal to this so called collection agency. Here is the info : MRS BPO , LLC : XXXX XXXX XXXX, XXXX XXXX NJ, XXXX. This company is listed online for reviews as a scam. Shame on you!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-18

Blackbird, DE

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: MRS Associates continues to furnish information unaware items on credit file. Requested validation of contract and signature. Company failed to comply according FCRA Guidelines.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response