MRS BPO, LLC

2017-05-08

Lowell, AR

Communication tactics

Debt collection: Credit card debt

You told them to stop contacting you, but they keep trying
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2017-05-07

FL

Incorrect information on your report

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

Account status incorrect
Complaint: I have student loans through XXXX XXXX . I pay a company called MRS BPO for these loans. They are paid on time each month for the last 4 years. Approximately 3-4 times per year, MRS-BPO does not provide my up to date payment information to XXXX XXXX . Which then causes them to report a payment as late to the credit reporting agencies. This has now happened again for the month of XXXX . My payment was made via automatic draft on 4/15 as it is every month. I was just notified of a negative report on my credit monitoring service stating that XXXX XXXX is reporting the account as 60 days late yet again. I am in the process of repairing my credit report in order to buy a house. Their reporting of my account could greatly hinder my ability to get a mortgage in a timely fashion.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-05-04

AL

Incorrect information on your report

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

Account status incorrect
Complaint: New collections on report. The accounts were previously listed as closed and no missed payments. Do n't understand how they now can be listed as a collection. I paid a law office to handle my creditcard and private student loans.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2017-04-26

Johns Creek, GA

Dealing with your lender or servicer

Student loan: Private student loan

Problem with customer service
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2017-04-26

Baytown, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Company believes complaint is the result of an isolated error Closed with non-monetary relief

Timely Response

2017-04-21

Dallas, TX

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2017-04-20

San Diego, CA

Communication tactics

Debt collection: I do not know

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

Disputed: No Timely Response

2017-04-18

Gore Springs, MS

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2017-04-13

Sacramento, CA

Cont'd attempts collect debt not owed

Debt collection: Non-federal student loan

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

Disputed: No Timely Response

2017-04-06

Philadelphia, PA

Incorrect information on credit report

Credit reporting:

Account terms
Complaint: I have a debt that began with XXXX . There was a payment plan started that I was payment on auto withdrawal from my bank account. The collections company sold my debt to another company without notifying me. Through me checking my credit report unnoticed I had a debt to a new company that I was not familiar with and I called them only to find out they had me in the system as being past due. I had to create a new payment plan and I was able to lower amount owed. However, my credit report now after two months still shows I owe over {$400.00} which is only a little under {$300.00} with a derogatory status. When the account should show Payments made on time.
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: No Timely Response

2017-04-04

Rayford, TX

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Company Response: Company can't verify or dispute the facts in the complaint Closed with non-monetary relief

Disputed: No Timely Response

2017-03-23

Bohemia, NY

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt was paid
Complaint: I am receiving claims from various debt collection agencies that I owe debts. I have received multiple debt notices from XXXX from different debt collectors. I do not understand why I am receiving repeat notices for debts I do not owe? I closed out my XXXX account years ago due to poor service. This complaint refers to XXXX.
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with non-monetary relief

Disputed: Yes Timely Response

2017-03-14

Charlotte, NC

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2017-02-25

Phila, PA

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-02-23

Coleta, IL

Communication tactics

Debt collection: Other (i.e. phone, health club, etc.)

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

Disputed: No Timely Response

2017-02-21

Lebanon, PA

Communication tactics

Debt collection: I do not know

Called outside of 8am-9pm
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2017-02-18

Henderson, NY

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2017-02-15

Manhattan, NY

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2017-02-06

KY

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Complaint: In XXXX of 2016 prior to the XXXX XXXX due date, I suspended all lines of my prepaid XXXX service using the online suspension option through the 'My Account ' on XXXX XXXX website. A few days later I entered the XXXX store located at XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX to confirm the disconnect of my prepaid XXXX service with the representative there and explained my reason for the disconnect. It was of mutual understanding that though I was ending my relationship with XXXX that I would indeed submit payment in full for the current phones once the final bill for said phones arrived in the mail. In XXXX 2016 when I received a past due bill for services never used, I consulted a XXXX representative via chat on the XXXX website. I was told then that the account would be taken care of and again I would receive a bill for the phones only, which I repeated my understanding for and would submit payment in full for the phones once the adjustments were made. In XXXX 2016, I received a call from a XXXX billing representative about the past due bill, which has yet to be adjusted properly. At that time, we had a conversation regarding the fact that my XXXX account was always a prepaid account and that I would not be submitting this payment for the months of XXXX and XXXX considering I had, 1 ) Suspended the phones online AND requested a disconnection in person at the store at and 2 ) did not use my prepaid lines during the XXXX and XXXX prepaid billing cycle that unbeknownst to me were never disconnected by XXXX as I had requested to be done, twice. The CSR that I spoke to that day acknowledged that my account was prepaid, acknowledged the fact that I had cancelled, and told me at that time I would be sent a bill for the phones ( which I agreed that I owed that {$250.00} ), and that the existing charge would be adjusted to reflect the amount for the phones only. XXXX and its creditors continue to harass me via phone, my wife 's phone, and by postal mail. I have sent numerous letters to dispute the charge, the reason for the dispute, and the acknowledgement of my owing {$250.00} for the phones. They have yet to acknowledge in wrong doing and refuse to adjust the bill to reflect only the charge for the phones.
Company Response: Company can't verify or dispute the facts in the complaint Closed with non-monetary relief

Disputed: Yes Timely Response

2017-02-04

Nyc, NY

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt was paid
Complaint: XXXX had a billing issue when I moved several years ago, and " could n't find me in the system '' despite the fact that I was still a paying customer at a different address. So they submitted a {$90.00} debt ( which I did validly owe ) to debt collections. Got a phone call from the debt collections agency, called XXXX, and then I paid the debt immediately to XXXX, and the whole issue should have gone away. Now, 3 times subsequently, the same {$90.00} charge supposedly attributed to XXXX has gone to a new debt collection agencies. Each time I call XXXX, and they claim that they have nothing to do with it. I 've contested the collections notice with XXXX and XXXX and they still pop up. It 's outrageous, and it 's hurting my credit rating. I have no idea what to do.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2017-01-30

Lenoir City, TN

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Disputed: No Timely Response

2017-01-27

New Rochelle, NY

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt was paid
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-01-24

Mount Prospect, IL

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Disputed: Yes Timely Response

2017-01-17

Glendale, CO

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt was paid
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-01-05

Jacksonville, FL

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: They call me over and over again every single day, several times a day.
Company Response: Company can't verify or dispute the facts in the complaint Closed

Disputed: No Timely Response