Additional Complaint Information
Customer Complaint:
BBB has received customer complaints about Client Services which allege repeated phone calls and difficulty obtaining answers regarding alleged debt owed. The company has responded to concerns brought to its attention.
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Complaint Details
Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.
Initial Complaint
04/06/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
am not liable for this debt with client services Incorporated , I do not have a contract with client services incorporated , they did not provide me with the original contract as i requested
Business response
04/11/2024
BBB Response
***********************
Via Online Submission
April 11, 2024
RE: Complaint # ********
Dear Dispute *************************************************** **** (CSI) is a financial services provider which represents clients in recovering delinquent account balances. Please be aware, CSI does not purchase delinquent debt or file litigation against consumers. CSI also does not conduct any credit reporting. CSIs collection efforts are limited to telephone calls and written correspondence.
CSI appreciates that *********************** has taken the time to make the company aware of the situation. CSI strives to build and maintain good relationships with consumers and appreciates all opportunities to resolve consumer concerns. Please be assured that CSI takes all complaints very seriously. CSI has conducted a thorough investigation of *********************** claims.
We received *********************** account on 3/28/2024 from our client, the original and current creditor. There were no previous contacts with *********************** and CSI did not receive a prior request for validation of debt. Per *********************** request, CSI will forward validation of debt from the original and current creditor to *********************** at the address on file.
If *********************** would like to discuss this matter, CSI can be reached at ************.
CSI apologizes for any inconvenience experienced by ***********************. Thank you for giving CSI the opportunity to investigate this issue.
Sincerely,
*****************************
Senior Risk Manager
Client Services, ****...Customer response
04/11/2024
Complaint: 21538598
I am rejecting this response because:
Sincerely,
***********************Business response
04/12/2024
BBB Response
***********************
Via Online Submission
April 12, 2024
RE: Complaint # ********
Dear Dispute *************************************************** **** (CSI) is a financial services provider which represents clients in recovering delinquent account balances. Please be aware, CSI does not purchase delinquent debt or file litigation against consumers. CSI also does not conduct any credit reporting. CSIs collection efforts are limited to telephone calls and written correspondence.
CSI appreciates that *********************** has taken the time to make the company aware of the situation. CSI strives to build and maintain good relationships with consumers and appreciates all opportunities to resolve consumer concerns. Please be assured that CSI takes all complaints very seriously. CSI has conducted a thorough investigation of *********************** claims.
We received *********************** account on 3/28/2024 from our client, the original and current creditor. There were no previous contacts with *********************** and CSI did not receive a prior request for validation of debt. Per *********************** request, CSI will forward validation of debt from the original and current creditor to *********************** at the address on file. As an update, the validation of debt has been forwarded to *********************** on 4/12/2024.
If *********************** would like to discuss this matter, CSI can be reached at ************.
CSI apologizes for any inconvenience experienced by ***********************. Thank you for giving CSI the opportunity to investigate this issue.
Sincerely,
*****************************
Senior ************************************* ****Initial Complaint
03/24/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I have contacted this company by email three times and through their online contact form. I am wanting to set up a payment plan for my account and have yet to receive any correspondence. I am wanting to get a settlement and payment plan in place to get rid of the debt. It has been a month since initial contact and have had no communication. I am asking for written communication so I have all in writing.Business response
04/01/2024
BBB Response
***************************
Via Online Submission
April 1, 2024
RE: Complaint # ********
Dear Dispute ******************************************************** (CSI) is a financial services provider which represents clients in recovering delinquent account balances. Please be aware, CSI does not purchase delinquent debt or file litigation against consumers.
We received ******************* account on 2/11/2024 from Citibank, N.A., the original and current creditor. Client Services acknowledges that *************************** has sent emails requesting specific payment arrangements and settlement terms. These requests need to be handled by phone. Client Services has attempted to contact *************************** at the number provided without success.CSI requests *************************** contact us to set up a payment arrangement and/or to discuss settlement options. As soon as an arrangement can be agreed to, CSI will send *************************** written communication confirming the payment arrangement and/or settlement agreement.
CSI appreciates that *************************** has taken the time to make the company aware of the situation. CSI strives to build and maintain good relationships with consumers and appreciates all opportunities to resolve consumer concerns. Please be assured that CSI takes all complaints very seriously. CSI has conducted a thorough investigation of ******************* claims.
If *************************** would like to discuss this matter, CSI can be reached at ************.
CSI apologizes for any inconvenience experienced by ***************************. Thank you for giving CSI the opportunity to investigate this issue.
Sincerely,
*****************************
Senior ************************************* ****Initial Complaint
03/16/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
I am not liable for this debt with *************** I do not have a contract with the Client Services Inc, they did not provide me with the original contract as I requested.Business response
03/18/2024
BBB Response
************************************
Via Online Submission
March 18, 2024
RE: Complaint # ********
Dear Dispute *************************************************** **** (CSI) is a financial services provider which represents clients in recovering delinquent account balances. Please be aware, CSI does not purchase delinquent debt or file litigation against consumers. CSI does not report to the credit bureaus. CSIs collection efforts are limited to telephone calls and written correspondence.
CSI appreciates that ************************************ has taken the time to make the company aware of the situation,and it is through communications that CSI learns what areas the company needs to focus on for improvement. CSI strives to build and maintain good relationships with consumers and appreciates all opportunities to resolve consumer concerns. Please be assured that CSI takes all complaints very seriously. CSI has conducted a thorough investigation of ************************************** claims.
We received ************************************** account on 1/26/2024 from our client, the original and current creditor. There are no previous contacts with ************************************ . Per ************************************** request, the fraud claim and validation of request have been sent to the original and current creditor.
CSI apologizes for any inconvenience experienced by ************************************. Thank you for giving CSI the opportunity to investigate this issue.
Client Services, ****Initial Complaint
03/11/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am not liable for this debt with Citibank, I do not have a contract with Client Services Inc, they did not provide me with the original contract as i requestedBusiness response
03/18/2024
BBB Response
***********************
Via Online Submission
March 18, 2024
RE: Complaint # ********
Dear Dispute *************************************************** **** (CSI) is a financial services provider which represents clients in recovering delinquent account balances. Please be aware, CSI does not purchase delinquent debt or file litigation against consumers. CSI also does not conduct any credit reporting. CSIs collection efforts are limited to telephone calls and written correspondence.
CSI appreciates that *********************** has taken the time to make the company aware of the situation. CSI strives to build and maintain good relationships with consumers and appreciates all opportunities to resolve consumer concerns. Please be assured that CSI takes all complaints very seriously. CSI has conducted a thorough investigation of ************* claims.
We received ************* account on 11/22/2023 from our client, the original and current creditor. ************* account has been recalled by the original and current creditor. Validation of debt was forwarded to the original and current creditor and will be sent to *********************** at the address on file.
If *********************** would like to discuss this matter, CSI can be reached at ************.
*********************** can also reach out to Citibank at **************.
CSI apologizes for any inconvenience experienced by ***********************. Thank you for giving CSI the opportunity to investigate this issue.
Sincerely,
*****************************
Senior ************************************* ****Initial Complaint
03/10/2024
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
I am not liable for this debt with Best Buy, I do not have a contract with Client Services Inc, they did not provide me with the original contract as I requested.Business response
03/21/2024
BBB Response
***********************
Via Online Submission
March 21, 2024
RE: Complaint # ********
Dear Dispute *************************************************** **** (CSI) is a financial services provider which represents clients in recovering delinquent account balances. Please be aware, CSI does not purchase delinquent debt or file litigation against consumers. CSI also does not conduct any credit reporting. CSIs collection efforts are limited to telephone calls and written correspondence.
CSI appreciates that *********************** has taken the time to make the company aware of the situation. CSI strives to build and maintain good relationships with consumers and appreciates all opportunities to resolve consumer concerns. Please be assured that CSI takes all complaints very seriously. CSI has conducted a thorough investigation of *********************** claims.
We received *********************** account on 10/11/2023 from our client, the original and current creditor. There have been no previous contacts with ***********************. *********************** account has been placed in a fraud status. Validation of debt has been requested and will be sent to *********************** at the address on file.
If *********************** would like to discuss this matter, CSI can be reached at ************.
*********************** can also reach out to Citibank at **************.
CSI apologizes for any inconvenience experienced by ***********************. Thank you for giving CSI the opportunity to investigate this issue.
Sincerely,
*****************************
Senior ************************************* ****Initial Complaint
02/28/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
Client Services Inc, a debt collector and it practices are abusive, in violation of the ***** Id *****. Under ********** there is a private cause of action, that the investigation must be reasonable, that this test is objective because I bear the burden of proof. I. have never done business or heard about ****** Services *** Private cause of action against Furnishers under the ***** 15 U.S.C. 1681n-o, 16812(b)The alleged breach of. The duty to investigate is Evaluated under an objective ************** standard. The acts expressly create a private cause of action, enabling consumer suit for willful or negligent noncompliance with it requirements. I need the original contract of the debt with my wet signature on it, I need the original creditor information such as the name, address, and phone number of that company, also need the payment history of this debt, and finally Proof of ownership of the debt. Services, *** never contacted me about this debt, or verify any information what so ever about this alleged debt. 15 U.S.C 1681 section 602A. States I have the right to privacy. I have not supplied proof under the doctrine of estoppel by silence, ********** ****************** (**) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exist I want a confirmation that this debt was deleted off my nameBusiness response
03/13/2024
BBB Response
Quem *****
Via Online Submission
March 13, 2024
RE: Complaint # ********
Dear Dispute *************************************************** **** (CSI) is a financial services provider which represents clients in recovering delinquent account balances. Please be aware, CSI does not purchase delinquent debt or file litigation against consumers. CSI also does not conduct any credit reporting. CSIs collection efforts are limited to telephone calls and written correspondence.
CSI appreciates that *************** has taken the time to make the company aware of the situation. CSI strives to build and maintain good relationships with consumers and appreciates all opportunities to resolve consumer concerns. Please be assured that CSI takes all complaints very seriously. CSI has conducted a thorough investigation of *********** claims.
We received Quem Dixons account on 2/20/2024 from our client, the original and current creditor. There have been no previous contacts with ***************. Validation of debt has been requested and will be sent to Quem ***** at the address on file.
If *************** would like to discuss this matter, CSI can be reached at ************.
*************** can also reach out to Citibank at **************.
CSI apologizes for any inconvenience experienced by ***************. Thank you for giving CSI the opportunity to investigate this issue.
Sincerely,
*****************************
Senior ************************************* ****Customer response
03/15/2024
Complaint: 21359440
I am rejecting this response because:
Sincerely,
Why is citi bank bank sharing my personal identifiable information with a third party company I ha e no knowledge about?
Quem *****Initial Complaint
02/24/2024
- Complaint Type:
- Order Issues
- Status:
- Resolved
A collector at Client Services lied to me and said that I absolutely had to make a payment when they demanded it be paid. I called Client Services in June 2023 to begin a payment plan that month. But I called them again prior to the June 2023 due date as I needed the plan to begin on July 2023 instead. The same collector said I was not allowed to do that and that I was required to begin paying in June. I was intimidated into complying to his demand and was told to make a payment by the end of June at the latest (and continue to pay each month thereafter), regardless of the fact that Client Services does not even own the account. I have since paid them each month in good faith, but only because I was daunted and lied to. I would have filed this complaint/dispute sooner had I known that it is illegal for collectors to intimidate and/or lie to consumers. I was told that I was obligated to start paying on the month of their choice. There was not, and still is not, a written notice, agreement, nor policy signed stating that I was required to pay them (for an account they do not even own) as soon as they said I must. Client Services used intimidation and deception so that I would believe I had no right to decline their terms.Customer response
02/24/2024
I also want to resolve this dispute by receiving a refund of the difference between the total amount of dollars I have paid towards the account through ******************** (the settlement amount AND payments prior), and what the settlement offer would have been if it was based on the beginning balance. The original balance was $1133.39. I made payments totaling $548.39, leaving $585.00 to base the 60% settlement offer on. $351.00 is 60% of $585.00. So I have paid a total of $899.39. If the settlement was instead based on the original balance of $1133.39 and following the 60% guideline, I could have just paid a total of $680.03. That is a difference of $219.36. That is the amount I must be refunded. In addition to this point, because I was deceived into believing I was absolutely required to take the route of monthly payments, the clock on when this debt would fall off my credit report restarted every time I made a payment. This is completely unethical. *************************** should have advised me that I had choices in how to handle the account.Business response
03/04/2024
BBB Response
*******************************
Via Online Submission
March 4, 2024
RE:Complaint # ********
Client Services, **** (CSI) is a financial services provider,which represents clients in recovering delinquent account balances. Please be aware, CSI does not purchase delinquent debt or file litigation against consumers. CSI does not report to the credit bureaus.This account is still owned by the original creditor. CSIs collection efforts are limited to telephone calls and written correspondence.
CSI appreciates that ******************************* has taken the time to make the company aware of the situation. CSI strives to build and maintain good relationships with consumers and appreciates all opportunities to resolve consumer concerns. Please be assured that CSI takes all complaints very seriously. CSI has conducted a thorough investigation of *********************** claims.
We received ****** Pagaragans account on 4/27/2023. On 6/12/2023, ******************************* called in and asked if there was a minimum payment amount that could be made every month to pay the debt. The agent offered ******************************* a payment arrangement and ******************************* agreed. On 6/16/2023, ******************************* called in to change the payment arrangement. The agent worked with ******************************* and reset the payment amount. On 9/13/2023, ******************************* called in and requested the payments to be the minimum amount for the rest of the year and the agent reduced the payment amount for the rest of the payment arrangement.On 2/23/2024, ******************************* called in and requested a settlement and the agent set up a payment for a settlement.
All calls were reviewed by management and the agent was professional and accommodating towards *********************** requests. Due to ******************************* requesting a refund,CSI has removed the payment for the settlement.
After further review, Client Services has accepted ****** Pagaragans previous payments of $509.39 as fulfillment towards a settlement of the balance. The account is settled in full and a settled in full letter has been sent to *******************************. The account will be returned to the original and current creditor. All credit reporting will be handled by the creditor.
If ******************************* should have any further questions or concerns regarding this investigation, please feel free to contact the original creditor at **************.
Thank you for giving CSI the opportunity to investigate this issue.Customer response
03/04/2024
Better Business Bureau:
I have reviewed the response made by the business in reference tocomplaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
*******************************Initial Complaint
02/23/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I have mailed a letter to this company requesting original contract, statements and they have been unable to do so, *** contacted them directly on this 765$ balance which is incorrect, and I would like to have this debt removed from my credit report.Business response
02/27/2024
BBB Response
***************************
Via Online Submission
February 27, 2024
RE: Complaint # ********
Dear Dispute *************************************************** **** (CSI) is a financial services provider which represents clients in recovering delinquent account balances. Please be aware, CSI does not purchase delinquent debt or file litigation against consumers. CSI does not report to the credit bureaus. CSIs collection efforts are limited to telephone calls and written correspondence.
CSI appreciates that *************************** has taken the time to make the company aware of the situation,and it is through communications that CSI learns what areas the company needs to focus on for improvement. CSI strives to build and maintain good relationships with consumers and appreciates all opportunities to resolve consumer concerns. Please be assured that CSI takes all complaints very seriously. CSI has conducted a thorough investigation of ********************* claims.
We received ********************* account on 10/22/2023 from our client, the original and current creditor. On 11/15/2023, Client Services received a request for validation of debt. The request was sent to the original and current creditor and statements were sent to ***************************. Per ********************* request, the validation of request has been sent to the original and current creditor again.
CSI apologizes for any inconvenience experienced by ***************************. Thank you for giving CSI the opportunity to investigate this issue.
Client Services, ****Initial Complaint
01/26/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
I am not liable for the debt with Client Services. I do not have a contract with Client Services. And when I requested them to provide me the original contract, they did not provide it to me. Thank you.Business response
01/29/2024
BBB Response
****** ******
Via Online Submission
January 29, 2024
RE: Complaint # ********
Dear Dispute Resolution Department:
Client Services, Inc. (CSI) is a financial services provider which represents clients in recovering delinquent account balances. Please be aware, CSI does not purchase delinquent debt or file litigation against consumers. CSI’s collection efforts are limited to telephone calls and written correspondence.
CSI appreciates that ****** ****** has taken the time to make the company aware of the situation, and it is through communications that CSI learns what areas the company needs to focus on for improvement. CSI strives to build and maintain good relationships with consumers and appreciates all opportunities to resolve consumer concerns. Please be assured that CSI takes all complaints very seriously. CSI has conducted a thorough investigation of ****** ******** claims.
We received ****** ******** account on 12/29/2023 from our client, the original and current creditor. There were no previous contacts with ****** ******. Per ****** Tafoy’s request, statements have been requested and will be sent to the address on file.
CSI apologizes for any inconvenience experienced by ****** ******. Thank you for giving CSI the opportunity to investigate this issue.
Client Services, Inc.Initial Complaint
12/10/2023
- Complaint Type:
- Customer Service Issues
- Status:
- Resolved
I am not liable for this debt with SYNCB/VENMO, I do not have a contract with Client Services Incorporated, they did not provide the original contract as requested on 2 separate occasions!Business response
12/11/2023
BBB Response
*******************************
Via Online Submission
December 11, 2023
RE: Complaint # ********
Dear Dispute ******************************************************** (CSI) is a financial services provider which represents clients in recovering delinquent account balances. Please be aware, CSI does not purchase delinquent debt or file litigation against consumers. CSIs collection efforts are limited to telephone calls and written correspondence.
CSI appreciates that *********************** has taken the time to make the company aware of the situation,and it is through communications that CSI learns what areas the company needs to focus on for improvement. CSI strives to build and maintain good relationships with consumers and appreciates all opportunities to resolve consumer concerns. Please be assured that CSI takes all complaints very seriously. CSI has conducted a thorough investigation of ************************* claims.
We received ************************ account on 06/29/2023 from our client, the original and current creditor. There were no contacts with *******************************. Client Services, **** does not report information to the credit bureaus. The account has been recalled by our client,the original and current creditor.
CSI apologizes for any inconvenience experienced by ********************************* Thank you for giving CSI the opportunity to investigate this issue.
Client Services, ****Customer response
12/12/2023
Better Business Bureau:
I have reviewed the response made by the business in reference tocomplaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
*******************************
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Customer Complaints Summary
91 total complaints in the last 3 years.
32 complaints closed in the last 12 months.