MRS BPO, LLC

2015-07-07

NJ

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: XXXX XXXX office representative made false statements, and when I disputed the debt originally it was dropped from my credit history. 4 years after this was done, XXXX XXXX is attempting to collect what they think is debt. A person authorized to repressent the company told me that I would owe a certain amount and that amount was paid, when a different amount was attempted to be collected I was told that it did not matter what that person agreed to. In New York State a verbal agreement is tantamount to a contract and as such is where they provided service. They have harassed me for the last 7 years to collect something that is not owed to them.
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

2015-06-27

Euclid, OH

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I received a letter stating that I owed money for my XXXX cell phone bill. However, I am currently up to date with my cell phone payment and have never fallen behind. Therefore, this debt is completely fictional and I am not going to pay it to this company that claims the debt has fallen into collections. The company is called "MRS XXXX" from MRS Associates at XXXX NJ XXXX XXXX
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: No Timely Response

2015-06-27

CA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I had an issue with XXXX Wireless. It got nasty; I wrote a letter to the XXXX, sent a copy with a note to the President XXXX. The result was that all the XXXX billing was taken away, and I got a XXXX+ credit on my Wireless account. I suddenly got a letter from MRS BPO, L.L.C. stating they were collecting XXXX for XXXX. No one at XXXX knows anything about it. My current bills do not indicate the amount. I don't want my credit ruined by these people and no one knows who authorized the collection agency to come after me. XXXX.
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

2015-06-23

Erie, PA

Cont'd attempts collect debt not owed

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

Debt is not mine
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: No Timely Response

2015-06-21

Chester, NY

Disclosure verification of debt

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

Right to dispute notice not received
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Disputed: No Timely Response

2015-06-10

Winston Salem, NC

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: I did n't receive a XXXX Notice which is required by law prior to collection a debt. The debt has been paid in full. It should have never been reported. I take care of my financial matters and would have never ignored a XXXX Notice.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-05-27

Arleta, CA

Cont'd attempts collect debt not owed

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

Debt is not mine
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-05-27

San Bernardino, CA

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: XXXX sent me in error to a debt collector XXXX XXXX XXXX for {$140.00} XXXX XXXX, 2015. On XXXX XXXX, 2015 I paid XXXX XXXX {$160.00} which included late charge. I spoke to XXXX on XXXX XXXX, 2015 at XXXX verifying that I paid this bill full. Then received another bill from for the same {$140.00} from another collector MRS Associates for the XXXX XXXX bill XXXX {$140.00} XXXX. I tried several times to call MRS Associates on XXXX XXXX,2015 and XXXX XXXX, 2015. The phone tree takes me to the point of waiting to speak with a representative then disconnects me every time. This very frustrating and seems like a scam. I need some help. thank you
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-05-27

Beyersville, TX

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: The disputed charges stem from disconnecting my service with XXXX because I was moving when I resided in New Jersey in XX/XX/XXXX I received a bill and I have made numerous attempts to receive clarification as to what I 'm being charged for. On XX/XX/XXXX, I spoke with XXXX from XXXX and she did not know what it was. I received XXXX notices from debt collection agencies and I demanded a verification of the debts, which no one has responded to. On XX/XX/XXXX, I spent over XXXX hours on the phone with XXXX agents, including XXXX, XXXX, XXXX, XXXX and XXXX with no resolution. I have copies of all of the letters and notes regarding my communications with XXXX and its agents. I have spoken with XXXX from XXXX and he explained that the debt was for my failure to return a card and an early termination fee. I then sent XXXX proof that that I have sent them the equipment that they claim that this debt is related to. This debt has been reported to the credit bureaus in clear violation of the FDCPA. XXXX and its debt collectors have erroneously reported this debt on my credit and I demand its immediate removal.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-05-20

Cincinnati, OH

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

2015-05-18

Foothill Ranch, CA

Can't repay my loan

Student loan: Non-federal student loan

Can't get flexible payment options
Complaint: I received my degree from University XXXX XXXX, applied for Federal Loans and worked full time. My wife was a stay at home mom and the University sold me on Private Loans that they said worked like Federal loans to supplement my income. I ended up with over XXXX in Private Loans the school should have never presented and an economy that will never return to pay them off.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-05-15

Rochester, WA

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: My name is XXXX XXXX and I previously had an account with XXXX XXXX XXXX, however, I continuously paid my account in a timely manner by way of XXXX XXXX pay. When I received my XXXX 2012 - XXXX 2012 ( service period ) bill ( approximately XXXX XXXX 2012 ) it stated I had an unpaid balance of {$160.00}, so I paid {$160.00} in cash at the XXXX XXXX XXXX on XXXX. located less than XXXX minutes from my residence. I checked my bill pay first and saw that the payment was sent but the check never cashed ( nearly one month after it was sent ). At that time I was most certain the check was lost and would not be cashed. So I called my bank and cancelled the check ( {$29.00} ), meaning I could make the payment and hopefully avoid a XXXX payment that would lead to extended wait time getting my money back and/or " having a bad mark on my credit report. I also talked to XXXX XXXX prior to stopping payment on this check and let the agent know so my account could be annotated. I wanted to ensure everything was done well, so again after I made the payment through the service center I called back XXXX XXXX customer service and I was assured by the agent that everything was documented within the system. During that conversation I also learned that the reason my account past due is because my account number was changed from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX with a system update. I then updated my bill pay with the new account number ( XXXX etc ... ) and made the remaining balance payment of {$170.00} through my bank account ( totaling {$340.00} on my XXXX statement ). Then came time for me to move ( XXXX ) to XXXX XXXX WA. resulting in closing my account XXXX 2012 ( six months later ). I made my last payment before I left XXXX XXXX confident that all was well and good with my account. I even received check dated XXXX XXXX 2012 XXXX {$7.00} XXXX further ensuring that my account was well and good. However, long after I cashed the refund check from XXXX XXXX on my account I received a disturbing collection 's agency letter stating that I had an outstanding balance on my XXXX XXXX account in the amount of {$190.00}. This amount included a {$30.00} return check fee and {$160.00} unpaid balance. I asked the customer service rep, on-line technician how I can get my log-in and password from the internet and was told ( impossible ) because the account is closed. I also have asked the agents to simply review the system notes on my account to clear this matter up but apparently all the posting that the agent promised she added to my account had been purged from the system. I do n't know why a company would attempt to collect a payment for several months after an account is closed in good standing. Especially, when the system history notes ca n't go back that far and fully see the picture of those time periods. Note : My suggestion for their office is to leave notes from six months past on accounts or do n't attempt to collect from old customers that have closed their accounts in good standing. After 6 months has past that should be more than enough time for a company to clarify an account especially when it come to a returned check ( I paid my account and cancelled the check because of an account number change in which I had no knowledge of ). When the bill pay check initially came in it had the old account number on it and must have sat in someone 's inbox until after I had already closed my account and the technician notes were purged from my account.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-05-12

Philadelphia, PA

Communication tactics

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

Frequent or repeated calls
Complaint: The debt collection agency calls me everyday about XXXX times a day. I would like them to stop and send me written correspondence. The number to this agency is XXXX
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-04-21

Mill Creek, IN

Dealing with my lender or servicer

Student loan: Non-federal student loan

Keep getting calls about my loan
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-04-01

Deer Park, WA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-03-25

Stilesville, IN

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I received a letter XXXX XXXX, 2014 from a collection agency XX/XX/2014 to which I responded with a dispute, I did not hear anything then I received another letter for same collection from a different collection agency XXXX XXXX, 2014 to which I disputed and nothing back-
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-03-22

East Rockaway, NY

Cont'd attempts collect debt not owed

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

Debt is not mine
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-03-17

Rockwall, TX

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-17

Laurel, NY

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-03-11

Springdale, OR

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-07

Sherman Oaks, CA

Cont'd attempts collect debt not owed

Debt collection: Auto

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-07

Edmond, OK

Cont'd attempts collect debt not owed

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

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-05

Farragut, IA

Cont'd attempts collect debt not owed

Debt collection: Non-federal student loan

Debt was discharged in bankruptcy
Company Response: Closed with explanation

Disputed: No Timely Response

2015-02-27

Flushing, NY

Improper contact or sharing of info

Debt collection: I do not know

Contacted employer after asked not to
Company Response: Closed with explanation

Disputed: No Timely Response

2015-02-25

Blacklick, OH

Disclosure verification of debt

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

Right to dispute notice not received
Company Response: Closed with explanation

Disputed: No Timely Response