ComplaintsforFirstPoint Collection Resources, Inc.

• Initial Complaint

  09/19/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I Called FirstPoint Collection Resources, Inc. to check on debt that was showing on my credit report. I gave the business my personal information name, birthday, and social. They could not find or confirm my personal info or the debt that was showing my on credit report.

  Customer response

  09/19/2024

  This is the info on my credit report that firstpoint Collect cannot find when I gave them my personal information.

  Business response

  09/26/2024

  In response to the consumers complaint attached is the document to validate the account.

• Initial Complaint

  08/29/2024

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  I did not open an account with this company. I asked and never received an original copy of the contract. I was this removed off my credit report.

  Customer response

  08/29/2024

  I reached out numerous times by phone not email. I don't have any documentation of that.

  Business response

  09/03/2024

  Per the consumers complaint, attached is the signed contract per Mr. ******* request. Xplore FCU has hired FirstPoint Collection Resources to collect this debt, however it is listed under Chapter 13 Bankruptcy; therefore, collection activity is not being pursed.

  Customer response

  09/03/2024

   I am rejecting this response because:
  
  This was included in my bankruptcy 

• Initial Complaint

  07/29/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  After several attempts to provide contractual proof legally binding me to an account, they have refused. I have made several attempts yet they refused to respond which is illegal. Could you delete this information from my credit profile? Account#******

  Customer response

  08/01/2024

  These are the letters that were sent for them to correspond and they refused to. The Fair Credit Reporting Act states they must provide proof or documentations and they have refused to respond, just ignored me. I know they have been known to break the Consumer Law.

  Business response

  08/16/2024

  In response to the consumer's complaint. FirstPoint Resources, **** has received a dispute from the *********************** on 7/10/2024 and 7/23/2024 which was verified as reported. Attached is validation. The signature is an E file signature, you may contact your insurance agency for more information.

  
  ***** **************** ****
  ***********************************************************

  Customer response

  08/19/2024

   I am rejecting this response because: They have no legal boundaries to put this account on my credit. Also the letter provided has no factual proof just a print out. It does not provide. proof between myself and firstpoint. I am asking for a reinvestigation and I am filing a complaint because according to the **** they must provide proof and the printout does not provide any proof
  
  
  

• Initial Complaint

  06/26/2024

  Complaint Type:

  Billing Issues

  Status:

  Unanswered

  More info

  This company contacted me from a ***************** number and claiming I have a debt of $700 from American cash advance and when I reached out to the company they claimed I had a debt on they dont even have me in their system. I then called them back to notify them of this and then they said theyre a intermitente 3 party to certify the information and they had my entire Social Security number. I dont feel comfortable with this company having my information.

• Initial Complaint

  06/20/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Unanswered

  More info

  This company calls. I did not answer but instead called them back. The first operator tells me that I have a civil suit against me so I laughed. I know it's a scam. I ask where she is located. She was silent for a little bit. Then tells me ****. I tell her she called me so what did she want. She starts rambling on. So I give her a piece of my mind and she hangs up. Call 2: argument escalates into a yelling match with another operator and they hang up Call 3: another argument with a man who will not tell me where they are located but instead rattles off my name, bday, etc. Trying to scare me. Escalates into another yelling match and he hangs up Call 4: THIS TIME... it gets good. Man answers..... I ask why he is calling me and where is he located. He says Texas in his finest country twang. Yelling match ensues. I ask him how it feels for someone to call and harass him because that is what they are doing to me. He said "because I get paid to do it" .... Cussing match begins. The easiest way to rattle their cage is to drop a couple of "fuck yous"........ he rattles off my name and bday..... last 4 of my social. Tells me he is coming after me and he will get a bonus check after he is finished with me.

  Customer response

  07/01/2024

  I have not heard from the business in response to my complaint.

  
  

• Initial Complaint

  06/14/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I recently was contacted stating that I had a pay day loan which was outstanding from 2019. I was not given any information on the original creditor, nor was any correspondence given in writing about this debt. The debt in question is for a $500 pay day loan, although I have never once used a service like that, nor did I ever stop working throughout the entire pandemic. I was told that this would not show up on my credit report as the loan was unsecured. I have requested the original documents to show my liability for this debt, but have not received the items requested to date.The company is reporting inaccurate and unverified information. My refusal to pay this alleged debt is now a request for a cease and desist and removal of this debt prior to it appearing (if it will appear) on my credit report, immediately. In accordance with 15 USC 1692c(c), 15USC 1692k, 15 USC 1681 a section 602 and 604, USC 1681I(a)(5), and USC 1681c-2 (A)(1) THIS MUST BE RECTIFIED AND DELETED

  Business response

  06/17/2024

  In response to the consumer's complaint, unable to locate the consumer in FirstPoint Collection Resources system. 

• Initial Complaint

  05/09/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I recently received a copy of my credit report and was shocked to learn I have been a victim of identity thief. Firstpoint coll resources has reported a unpaid account on my ********************** report for $171 that I am not responsible for. After months of requesting documents to show that I am liable for the have only submitted a bill which does not validate the debt. They are reporting inaccurate and unverified information. I refuse to pay this alleged debt and request a cease and desist and removal of account from my credit report immediately. In accordance with 15 USC 1692c(c), 15USC 1692k, 15 USC 1681 a section 602 and 604, USC 1681I(a)(5), and USC 1681c-2 (A)(1) THIS MUST BE DELETED.

  Customer response

  05/09/2024

  See Attached

  Customer response

  05/10/2024

  Ive attached a copy of the **** complaint and the documents that the collection company provided, which is not addressed to me or my name.

   

  Sent from Mail for Windows

  Business response

  05/14/2024

  In Response to the consumers complaint. we have sent incorrect verification in the previous complaint. Attached is the correct verification, please destroy the incorrect documents.

  The consumers complaint indicates the issue is the debt is a result of identity theft.  We have received the Identity Theft Report from the ************************* please provide and ID theft Affidavit and police report showing the incident date. 

  Customer response

  05/14/2024

   I am rejecting this response because: I still have not received the requested information:

  Original contract

  Contract between alleged debtor and your agency 

  Original purchase agreement 

  Proof you are license to collect in my state 

  Payments, transactions, adjustments made on this account from the original creditors.

  The agreement must be with the original creditor and signed by all parties involved 

  Provide an itemization  showing dates and amounts of each requested information.

  I refuse to pay this debt and request you cease and desist all collect efforts and attempts to report to credit agencies. You are illegally attempting to collect an alleged debt and money I do not owe. According to the **** 15 USC 1681 section  602 which states I have a right to privacy which have been violated. Failure to block,delete  and remedy this will/ may result in a civil  and/or lawsuit against the agencies involved.

  
  

• Initial Complaint

  04/30/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  You are reporting fraudulent and unverifiable information on my credit report. I ask for a full discloser of this debt. I did not receive my sign signature, original contract, or any document about this debt. I have not resided in Phila nor had active service with Peco for years and my account that was on auto pay was closed with a $0 balance in 2022. Delete first point collection resolutions from my credit report immediately. By law after 30 days this account is not mine. Stop calling me and harassing me about an account that is not mine, there is an active tenant at this address that any Peco should have been billed to! Remove this from collections, remove me from any additional lists I am not liable for any charges at this property. Thanks

  Customer response

  05/01/2024

  Hello, 

  I do not have verification to upload. I was contacted by an agent via phone and verbally requested them to provide authorization of this debt. I received no written notification from this agency, only phone calls. 
  

  Thanks 

  Business response

  05/06/2024

  In response to the consumer's complaint. Please find the validation attached. Per PECO, the consumer reconnected service in September 2023.

  Customer response

  05/06/2024

   I am rejecting this response because:
  
  I moved out of this property with a $0 balance. Therefore the $19.25 charges are disputed as invalid. Account was moved in my name pending tenant transfer, property was vacant the entirety of September and should not have had high usage if any at all. Regardless, PECO account has always been authorized for autopay to ensure timely payment and this account should have never been sent to collections as PECO was authorized to collect payment from account listed in now defunct account. I reside in *****, PECO billing statement attached was not even mailed to correct forwarding address for appropriate or timely review in addition to the fact that PECO account was set to email correspondence to which none of this info was received by email on account either. I am requesting creditor respond with payment agreement that removes disputed past charge that is unfounded and subsequent late charges applied as well as provide immediate and permanent deletion of item from my credit report upon receipt of negotiated settlement. Thanks 

  Business response

  05/08/2024

  In response to the consumers complaint, we have contacted our client and verified that the consumer is the responsible party. The client will accept a 25% settlement of $49.30 in which once paid, will be reported as paid in full to the credit reporting agency.

  Customer response

  05/08/2024

   I am rejecting this response because:
  
  To clarify, I am not disputing debt I am disputing existence of prior charges added to bill as well as the fact that account was approved for autopay and PECO is wholly at fault for this matter being outstanding. I accept settlement amount listed, however, before submitting payment once again I am requesting (in writing) that there is not simply an update that this is paid but collector agrees in writing to full deletion of item from credit report. Creditor must also forward details of how to submit payment. Thanks 

• Initial Complaint

  03/25/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I have been told I owe a debt but was not provided with proof of this debt by the company. They then took more than what was told to be from my bank account and did not disclose the amount on any paperwork I was bullied to sign. I was not aware of this debt and was not provided with proof instead I was bullied by the representative that I would have to pay immediatly or I will face court proceedings 'When I asked for proof of the debt they said I could only see the document in court. I the stopped the payment with my bank, but now they are reversing the payment. The address on file for this company is not a store front rather a *** store. I want my refund and proof of debt.

  Business response

  03/25/2024

  This consumer's complaint is directed to 1st Point Solutions. Our company is FirstPoint *************

• Initial Complaint

  02/16/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I am not liable for this debt with *********** Telephone. I do not have a contract with FirstPoint Coll Reso. they did not provide me with the original contract as I requested

  Customer response

  02/20/2024

  *** not liable for this debt with *********** Telephone. I do not have a contract with FirstPoint Coll Reso they did not provide me with the original contract as I requested
  Ive ask for them to validate this debt.

  Business response

  02/27/2024

  In response to the consumers complaint.  Attached is validation of the debt, 

  Customer response

  02/29/2024

   I am rejecting this response because:*** not liable for this debt with *********** Telephone. I do not have a contract with FirstPoint Coll Reso. they did not provide me with the original contract as I requested

  I am requesting the method of verification for this dispute.
  
  
  Please send the following information used to verify the validity of [enter description of the item in dispute here]
  
  -The name of the original creditor
  ???-The creditors address and telephone number
  ???-The person's name they verified the dispute with
  ???-The documentation used to verify the dispute
  
  
  In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.
  
  
  I would appreciate a timely response outlining the steps that will occur to resolve this matter, If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616.
  
  

   
  
  

  
  

  Customer response

  03/02/2024

   I am rejecting this response because:*** not liable for this debt with *********** Telephone. I do not have a contract with FirstPoint Coll Reso. they did not provide me with the original contract as I requested.

  I am requesting the method of verification for this dispute.
  
  Please send the following information used to verify the validity of FIRSTPOINT COLL RESOURCES INC 
     
  -The name of the original creditor
     -The creditors address and telephone number
     -The person's name they verified the dispute with
     -The documentation used to verify the dispute
  
  In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.
  
  I would appreciate a timely response outlining the steps that will occur to resolve this matter, If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616.
  
  
  

  
  

  Business response

  03/04/2024

  In response to the consumers complaint. FirstPoint, *** is the collection agency hired by North State Telephone to collect the debt.Attached is validation of the debt, 3/04/2024

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩