MRS BPO, LLC

2016-12-29

Milwaukee, WI

Disclosure verification of debt

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

Not given enough info to verify debt
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Disputed: No Timely Response

2016-12-14

Council, NC

False statements or representation

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

Attempted to collect wrong amount
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-12-14

August F. Haw, CA

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

2016-11-29

VA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt was paid
Complaint: This company has placed a stop on my vehicle registration for supposed tunnel fees that they should not have been accrued due to me having XXXX EZ pass accounts for over 8 years. I spoke to a manager by the name of XXXX XXXX who was rude and unwilling to even listen to me. He tried to tell me that they have charged me {$53.00} per transaction for {$1.00} tunnel fees that they admittedly never sent me an itemization of from 2013. They apparently received my information from the XXXX XXXX XXXX XXXX, which I have only used about XXXX times in the past going to see XXXX, as I am a XXXX. This is an absolute scam. The manager told me that he was unwilling to release my registration with the Virginia DMV unless I paid him {$450.00} for my car and another {$400.00} for my SUV that I no longer even own. The state needs to do something about these companies praying on people to collect fictitious fees. I asked him over and over to give me dates because I am disputing this being that I have an EZ pass account with XXXX EZ passes. This is ridiculous and futhermore, if this was from 3 years ago, why havent they made any contact with me and why are they just now placing a hold on my registration? I contacted them when I found out about the hold while trying to register my XXXX. My SUV was registered with no issue back in XXXX. This should be illegal and the state should put a stop to these predatory practices. I am attaching proof of my EZ passes.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-11-27

Rochester, MN

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

2016-11-20

San Diego, CA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: Letter addressed to " XXXX XXXX '', which is not me, at my address. Another attempt to collect a phony XXXX debt. I will attach their letter. Their web site allows no option but making a payment ; nowhere for an explanation ( in this case, that there is no such debt ).
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-11-16

Kahului, HI

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

2016-11-11

Jacksonville, FL

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: XXXX XXXX XXXX is charging {$330.00} and it reflects as derogatory in my credit history in 2014. I did n't ever sign or even negotiate a contact with XXXX. I was studying abroad at the time.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-11-09

Fort Washington, MD

Cont'd attempts collect debt not owed

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

Debt was paid
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation

Disputed: No Timely Response

2016-11-04

Gloucester City, NJ

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

2016-10-31

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I believe this is a debt that I disputed in 2009 for cable services. I moved to the XXXX XXXX in XXXX of 2009 and asked to cancel my cable service in XXXX. I spoke with a representative at the time and was assured that this would be done. Sometime later, I was told that I owed for 2-3-4 months of service. ( I no longer have the documentation from this matter. ) I now have a {$140.00}. collection amount showing on XXXX my Credit Reports by MRS BPO, LLC.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-10-20

Ehrhardt, SC

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: I never received a notice of right to dispute in the mail is my first complaint. This is a violation of the FDCPA of course. I requested validation as well and they still never validated with me via mail. Instead they reported the debt to another credit bureau, XXXX, which they never reported to before. This is also a violation of the FDCPA. On top of that this is a fraudulent account. It did not initiate at my address at all. I am not even aware of this account.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-10-19

Clermont, FL

Disclosure verification of debt

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

Not disclosed as an attempt to collect
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-10-16

Tucson, AZ

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

2016-10-16

Manhattan, NY

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: Yes Timely Response

2016-10-05

Tyrone, NM

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: In preparation to buy a home I printed all XXXX of my credit reports on XXXX/XXXX/XXXX. XXXX reported a collection account of {$200.00}. I contacted the creditor XXXX XXXX XXXX XXXX XXXX XXXX and was told that account no longer existed. Two weeks later it was removed from my credit report. On XXXX XXXX, I received an alert that a new collection account had been added. The creditor only listed their name on my credit report but no contact info. After locating company info via internet, I contacted M.R.S. Associates to inform them that I never received any prior communication from them regarding the debt which is a violation of FCRA. I requested the call be recorded with rep XXXX. She stated they did not have my current address but I filed an official change of address with XXXX post office prior to moving to XXXX in XXXX XXXX. Despite their failure to properly notify me of this debt being placed with their office, I offered to pay the account in full but requested that the account be removed from my credit. XXXX reported that the company was not allowed to request info be removed. I requested to speak to manager to further discuss their unfair collection action. Spoke to XXXX and I again requested call be recorded. I again offered to pay the account in full if they would request info be removed from my credit reports, but was again told they could not do that. I strongly feel my FCRA rights have been violated because I was never given an opportunity to dispute the debt or pay it prior to me initiating the call today. They should not have been allowed to place account on my credit reports without sending me proper notification and allowing me to pay or dispute the debt. I again requested to speak with the next level manager, was placed on hold but was hung up on before being connected to anyone. I also plan to file a grievance with XXXX as well because after reading other complaints, this company has a pattern of not sending consumers information regarding debts prior to reporting them to credit bureaus.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-10-04

Chicago, IL

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: I recently received a bill from XXXX stating a Previous Balance of {$470.00}. However, I am not a XXXX customer. I had XXXX Long Distance service at a previous address prior to XX/XX/XXXX, but XXXX does not offer Long Distance service in IL. I called XXXX and repeatedly tried to get someone to help me identify these charges, but no one there was able to access my account, as it was closed in XX/XX/XXXX ( I spent 4 hours on the phone, calling numerous departments, but no one could find anything ). I tried tweeting, I tried online chat ... no help. As such, I do not know what this bill is for, and I think XXXX was charging me for services I did not receive ( I was an XXXX LD customer from XX/XX/XXXX to XX/XX/XXXX, and am XXXX now ). This bill is the first correspondence I have had from XXXX for 5 years -- I have not had a bill or anything from them in that entire time, so this is a surprise. XXXX then reported me to a credit bureau, MRS . I put this in dispute with them, and all they were able to provide me with was the statement XXXX sent me -- no bills, no details on what this Previous Balance is for.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-09-29

Watkins, CO

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: MRS BPO , L.L.C . contacted me by mail, on XXXX XXXX, 2016, and identified the debt as {$1800.00} owed to XXXX, MRS ACCT # : XXXX ; Current Creditor Account # : XXXX ; Charge off Date : XXXX/XXXX/2016. I do not have any responsibility for the debt, have never owed XXXX any money, and confirmed this with XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-09-26

FL

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: On XXXX I contacted the debt collection agency MRS BPO Located in XXXX XXXX XXXX XXXX XXXX NJ XXXX at XXXX because my debt from XXXX XXXX had been transferred to them. I was able to resolve the debt and provided them with my updated Mailing address and contact number as well as set up a payment arrangement with them. On XXXX they took a payment out of my checking account and on XXXX, they reported to the credit bureau that my account was delinquent. I was not notified about the account prior to me initiating the call. I was not notified that a negative/ delinquent account status will be posted on my credit report. On XXXX at XXXX XXXX I called MRS BPO to have them remove the collection off my credit since I had a payment arrangement set and they stated that they are not able to, and stated that they would send me an email with proof of payment and also provided me a password to access proof of the payment arrangement notice. Also the customer service agent I spoke with stated repeatedly that I would have to wait 30 days from XXXX to have the debt reflected as being paid on my credit report. They did not provide me with certainty on their actions. On XXXX at XXXX I called to follow up on the said email with my proof of payment arrangement and I was placed on hold, and then told that their computer system is not able to generate a letter or email me proof that I am making payments on the account. Currently, My credit report shows a delinquency even though my checking account will be drafted every month the amount of {$92.00} by MRS BPO. I believe that I should be provided proof of payment on demand and also my credit report should not have reflected the negative balance. Also when I asked to speak to a manager, there was no one put on the phone to speak to me and go over detailed answers to my question about their credit reporting practice.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: Yes Timely Response

2016-09-25

East Rockaway, NY

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: XXXX sent a final bill to the wrong address after I closed out my account when my contract was over I looked up the bill and paid it IN FULL they took my payment but held the bill to sell to a 3rd party collections agency NEVER telling me ANYTHING I assumed the account was paid in full called and they just re sent me to collections where i had to pay an additional {$22.00} they still put derogatory mark & late payment even though the debt was already paid for
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-09-19

Glendale, CA

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 explanation

Disputed: No Timely Response

2016-09-08

East Windsor, NJ

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: Calls come in asking if they can speak to a XXXX. There 's no XXXX here.
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Disputed: No Timely Response

2016-09-01

West Chester, PA

Disclosure verification of debt

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

Right to dispute notice not received
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-08-31

Saint Louis, MO

Disclosure verification of debt

Debt collection: Auto

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

2016-08-30

Farmer Market, CA

Cont'd attempts collect debt not owed

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

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

Disputed: No Timely Response