MRS BPO, LLC

2017-12-29

Baltimore, MD

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2017-12-19

San Jacinto, CA

Attempts to collect debt not owed

Debt collection: Private student loan debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: It was brought to my attention that I have a debt collection on my credit ( {$3300.00} ) for a student loan that belongs to my brother who filed bankruptcy in 2015. I am in the process of purchasing a new home through the VA Loan program and can not proceed any further until I get this issue resolve. I am also going through my security clearance update in the military and they showed the debt with a XXXX balance. I thank you in advance for your time and support!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2017-12-17

Mabank, TX

Attempts to collect debt not owed

Debt collection: Auto debt

Debt was result of identity theft
Complaint: To whom this may concern : In mid XXXX of XXXX, I contacted XXXX. XXXX about a closed account that was on my credit and I was unaware of this charge. I called to get as much information about this account such as what is the company, a signed contract, who were the people on the contract, when did the agreement occur, address and phone numbers listed on the account etc. They were very rude with giving me information and made comments like " How you do not know about this account being on your credit ... This is your account ... '' I had to nearly argue with the representative letting her know that I am a victim of identity theft and I never ever paid any attention to my credit until now and just had a child so I am trying to better my future by starting to work on my credit. The representative informed me that there was nothing they can do, due to the loan being bought by a collection agency by the name of MRS Associates but can send me the contract via mail and instructed me to fill out a fraud packet on their website ( in which I did ; no response back ). I contacted MRS Associates by mail on XXXX XXXX, however the mail was returned OPENED. So I did my research once again and look at their website. On XXXX XXXX, XXXX and XXXX XXXX, XXXX, I emailed MRS Associates ( XXXXXXXXXXXX ) asking for validation and not verification with signed contract. I have yet to received a response from both companies. As well, I have contacted the XXXX XXXX XXXX in XXXX, Texas where the perpetrators purchased the vehicle and asked for camera footage to turn in to law enforcement. I was informed that they are unable to go back so far being that it was XXXX, XXXX and they do not have footage from that far. I have been a victim of identity theft and provided MRS Associates and XXXX. XXXX with proof but nothing has been done as of today. I have all the documentation including FTC Identity Theft letters that I sent to both companies and no response.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-12-08

Chestnut Rdg, NY

Written notification about debt

Debt collection: Auto debt

Didn't receive enough information to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-12-07

Phoenix, AZ

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Complaint: On XXXX/XXXX/2017 at XXXX we received an automated call ( XXXX ) asking for a call back to XXXX. A call back was placed to MRS Associates and I stated to the operator that we have asked multiple times for calls to stop being placed to us. The operator very politely tried to go through our main numbers and stated that our main numbers have been blocked. Because the system does not allow for forwarding to the main number, a narrowing of what number is being used is impossible, as we have several numbers that forward to our main number if not answered.
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation

Timely Response

2017-11-29

Evergreen, CO

Attempts to collect debt not owed

Debt collection: Credit card debt

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

Timely Response

2017-11-29

Granada Hills, CA

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2017-11-28

Wilm, NC

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: I am having 2 issues with a company called MRS associates. 1. They are making repeated calls to my cellular number but when i answer the call they disconnect. I know it is them only because when i call back they have an automated answer telling me who it is. 2. When I call back MRS associates will not tell me what debt they are trying to collect or give me any information unless I answer a litany of their questions to " confirm '' information they claim to already have. Since I do not know who these people are or what their scam is I have refused to provide them any information about me. In turn they refuse to tell me what debt they are collecting and they also continue to call. They insist that they have my address and ask me to " confirm it '' but they have yet to send me anything in writing.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2017-11-21

Phoenix, AZ

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Complaint: On XXXX/XXXX/2017 at XXXX I received a phone call ( XXXX ) asking for XXXX XXXX stating to call back ( XXXX ). I called this number and asked the representative on the phone to stop calling as this is the third time they have done so after repeated request to stop
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation

Timely Response

2017-11-18

Lannon, WI

False statements or representation

Debt collection: I do not know

Impersonated attorney, law enforcement, or government official
Complaint: I have received two notices from companies claiming to be trying to collect a debt of {$490.00} for a XXXX account. I 've never had a XXXX account. Attached are copies of the documents I received. Thank you XXXX XXXX
Company Response: Company can't verify or dispute the facts in the complaint Closed with non-monetary relief

Timely Response

2017-11-15

New Orleans, LA

Incorrect information on your report

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

Information is missing that should be on the report
Complaint: I had a prepaid cell phone service with XXXX. I terminated the account with them and never received a bill and they placed my account in collections and it was reflected on my credit report. I paid that bill of {$240.00} off and I found another collection account, placed on my credit report, 2 years later under XXXX. I called and spoke with XXXX and they said it was for a cell phone that was n't returned. I have tried several times to return the cell phone an each time, I was told they could n't take the phone, because the account was a collection account. I called XXXX on XXXX/XXXX/XXXX to clear up, this second collection account on my credit, as I have no idea of why it is there. And I was told they could n't accept the phone again and they could n't discuss, my account with me. I was given a second number to call XXXX and the number was to a company ( MRS Bpo LLC ) a collection agency.I Spoke with a XXXX XXXX XXXX, he only wanted to discuss making a payment to a company, that was not on my credit report, nor I had never done any business with them. I reviewed my credit file again, there is no record of ( MRS Bpo LLC ) on my credit file, I have XXXX listed as a collection account for {$1400.00}. I paid my last bill and never received any other bill request for payment. Under the Fair Credit Reporting Act ( FCRA ) if it is inaccurate, it must be remove permanently. I do n't owe XXXX, nor XXXX XXXX XXXX, has damaged my credit file and XXXX is trying to defraud me and extort monies from me. I am requesting that the negative account be removed and any future business or contact by XXXX XXXX cease and desist. I have no business dealing with their company. I have attached several copies for my credit report, one showing I paid off the XXXX bill, after the account was closed and placed in collection, a second copy of the report, showing the second collection, showing up 2 years later and under XXXX and is what both parties are saying is correct. XXXX is not the debtor, but, it is listed under XXXX and not XXXX XXXX as of the date of this filing. Both parties are in v violation of the ( FCRA ) with inaccurate information. If they ca n't keep record of whom, the account is in control of, how can I as the consumer, have any idea of whom to pay or return the cell phone to, as I still have it in my care to this day. If the debt is for a cell phone, that was n't returned, then this is a easy fix, they receive their phone and release my credit file of the debt.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-11-15

Phoenix, AZ

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Complaint: On XX/XX/2017 we received a call from XXXX in reference to XXXX XXXX asking for a call back to XXXX I have asked several times for them to stop calling as we have no person by this name working here
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation

Timely Response

2017-11-11

Somers Point, NJ

Communication tactics

Debt collection: Auto debt

You told them to stop contacting you, but they keep trying
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2017-11-09

Flushing, NY

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Timely Response

2017-11-06

Hamburg, MN

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Complaint: Have received upwards of XXXX calls within a short span and during work hours. Also have contacted relatives outside my immediate family improperly.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2017-11-06

Detroit, MI

Problem with a credit reporting company's investigation into an existing problem

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

Their investigation did not fix an error on your report
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-25

Smyrna, DE

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-25

Smyrna, DE

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-19

Alt De Orocovis, PR

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: Hurricane maria passed over puerto rico And i need to get water, food, there 's no energy, economy was affected, etc ... I call MRS BPO LLC to request moratorium payments but they refuse it I have doubt of the legit of my account with MRS
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with non-monetary relief

Timely Response

2017-10-17

Bentley, MI

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

2017-10-16

AR

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Complaint: This company contacts me every day, several times of day. When I answer the phone they do not identify themselves and they ask for personal information, such as the last 4 of my social security number. They are attempting to collect a debt that I do not owe! I 've asked for a dispute and they refuse to dispute it. They say that the only thing they will do is mark the debt as fraudulent activity. I 've asked them not to call me and they say it 'll be 24-48 hours before they will remove me from the calling system. That time frame has passed several times and yet they still contact me. The tepresentives on the phone are disrespectful and unhelpful. They called XX/XX/XXXX and again today on XX/XX/XXXX. I 've had to ignore their calls several times while I 'm at work.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-09

Houston, TX

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Complaint: On XX/XX/XXXX I became aware of an unpaid medical bill that was reported for collection, in the amount of {$56.00}. I had not been aware of the outstanding bill until the debt appeared on my credit report. The debt collector, MRS BPO, posted the collection twice, on two separate dates, to XXXX ( XX/XX/XXXX and XX/XX/XXXX ), and twice on two separate dates to XXXX ( XX/XX/XXXX and XX/XX/XXXX ; the latter date is 12 days after the bill was paid ). On XX/XX/XXXX, I paid the bill in full by credit card over the telephone. The confirmation code I was given by MRS BPO is XXXX. I was told by the agent that the 4 derogatory entries reported to the two credit bureaus would be removed in XX/XX/XXXX at the latest, as they report improved accounts on a monthly basis. The entries have not been removed, despite the account being paid in full.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2017-09-29

Weslaco, TX

Written notification about debt

Debt collection: Private student loan debt

Didn't receive enough information to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-25

Arlington, TX

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2017-09-25

SC

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: Not my Loan ' and do n't know the person ' they 're asking for
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation

Timely Response