ComplaintsforFirstPoint Collection Resources, Inc.

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Initial Complaint
02/09/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Firstpoint collection resources has placed this account on my credit and they are not the original owner of this account and could not provide documentation that they are the owners which is violation of 15 USC 1681 and a violation of 15 USC 1692. It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
Business response
02/13/2024
In response to the consumer's complaint, attached is the validation document from our client ******** ******* Gas. The account was referred to our office for collection due to the fact it was past due with our client. An initial validation notice was mailed to the consumer from our office on 10/04/23.
Customer response
02/13/2024
I am rejecting this response because:
According to
Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means
(1)
to collect or attempt to collect any extension of credit, or
(2)
to punish any person for the nonrepayment thereof,
shall be fined under this title or imprisoned not more than 20 years, or both.
(b)
In any prosecution under this section, for the purpose of showing an implicit threat as a means of collection, evidence may be introduced tending to show that one or more extensions of credit by the creditor were, to the knowledge of the person against whom the implicit threat was alleged to have been made, collected or attempted to be collected by extortionate means or that the nonrepayment thereof was punished by extortionate means.
(c)
In any prosecution under this section, if evidence has been introduced tending to show the existence, at the time the extension of credit in question was made, of the circumstances described in section 892(b)(1) or the circumstances described in section 892(b)(2), and direct evidence of the actual belief of the debtor as to the creditor’s collection practices is not available, then for the purpose of showing that words or other means of communication, shown to have been employed as a means of collection, in fact carried an express or implicit threat, the court may in its discretion allow evidence to be introduced tending to show the reputation of the defendant in any community of which the person against whom the alleged threat was made was a member at the time of the collection or attempt at collection.
Initial Complaint
01/23/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Put a collection on my credit report. Cannot validate the debt due to I don’t have a contract with them. The company they claim the debt is for is closed and out of business. This collection agency promised to remove off my report, lied and never did. This is in violation of my rights. 1.defamation of character (per se) 2.Neglagent Enablement of Identity Fraud 3.Fair Debt Collections Practices Act 15 USC S 1692g violations 4. Fair Credit Reporting Act 15 UCS s1681 violation for willful noncompliance- s616 Civil liability for willful noncompliance [15 USC S1681n]
Business response
02/06/2024
In response to the consumer's complaint, attached are the bills from ***** ***** which include the final bill amount of $867.06. The consumer had internet service through ***** ***** and was charged for equipment which was not returned and monthly service. ***** ***** is not out of business and still provides services to customers.
Customer response
02/06/2024
I am rejecting this response because:

I do not have a contract with you. As you stated that contract is with ***** ***** not you. ***** ***** is not in business. ***** ***** was bought out by Lumos. I do not have a contract with Lumos either. Do the ethical thing and delete this off of my credit score immediately due to this is defamation and breaking my legal rights.
Initial Complaint
01/17/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Company called stating I owe money but could not provide me with original contract
Business response
01/19/2024
We are unable to locate an account using the information provided.
Initial Complaint
01/10/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
According to the Fair Credit Reporting Act Section 609(a)(1)(A) you are required by federal law to verify-though the physical verification of the original signed consumer contract
Business response
01/19/2024
In response to the consumer's complaint, attached is the signed document from our client *** ******* ****** formerly ****** ******* ******. The consumer has previously received the itemized bill from our office.
Customer response
01/22/2024
I am rejecting this response I would like to know if Firstpoint Collection Resource have a Business Association Agreement between the coverd entity ( *** ******* ****** formerly ****** ******* ******) if so I would like copy/proof
Initial Complaint
01/01/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
This collection is reported to only one bureau, I don’t have a contract with FIRSTPOINT COLL RESO, nor did I receive an original copy of a contract signed saying I agree to pay FIRSTPOINT COLL RESO.
Customer response
01/11/2024
I have not heard from the business in response to my complaint.

Business response
01/11/2024
In response to the consumer's complaint, we have 3 balances that were referred to our agency for collection. I have attached the itemized bill and declaration page for each. We are unable to provide a signature due to the fact the documents were voice signed. Each declaration page shows the agency that wrote the policy and the consumer can reach out to them for signature information. Please contact our office if further information is needed.
Initial Complaint
12/24/2023
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I’m not liable for this debt with ********* ******** ************, I do not have a contract with FirstPoint Collection Reso. They did not provide me with the original contract as I requested.
Business response
01/04/2024
In response to the consumer's complaint, the account with ********* ******** ************ has been closed, The accounts are only placed with our office for a certain period of time. The account could possible be sent to another agency by our client.
Initial Complaint
12/24/2023
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
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. Delete first point collection resolutions. By law after 30 days this account is not mine. Stop calling me and harassing me about a account that is not mine. Stop calling me after 9pm when i told you not too. Delete this account asap.
Business response
01/04/2024
In response to the consumer's complaint, the account with ************ ******** ******* (****) has been closed, The accounts are only placed with our office for a certain period of time. The account could possible be sent to another agency by our client.
Initial Complaint
12/12/2023
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I am not liable for this debt with FIRSTPOINT COLL RESOURCES INC, I do not have a contract with FIRSTPOINT COLL RESOURCES INC, they did not provide me with the original contract as I requested.
Customer response
12/13/2023
I called FIRST POINT COLLECTION @ ***** ******** on 11/14/2023, 11/15/2023 and 11/20/2023, for account information/verification and original contract with my wet signature and was not provided.
Business response
12/22/2023
In response to this complaint, the account was paid in full to our office 11/15/21. I have attached the documents to validate the debt.
Initial Complaint
12/11/2023
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I am not liable for this debt with ******** ******** I do not have a contract with first point coll reso, they did not provide me with the original contract as I requested
Customer response
12/11/2023
I called in to complain how could I provide documentation on that, could they provide info that I didn’t
Customer response
12/11/2023
I asked for a debt validation to be sent to my address or email and I never received anything
Business response
12/20/2023
In response to the consumers complaint, attached are the documents from our client ******** ******* ********* Company. After review of these documents please contact our office with any additional questions.
Customer response
12/20/2023
I am rejecting this response because:

I do not have a contract with first point coll reso, I would like a Correction to my credit report, I demand this account be removed from credit report
Initial Complaint
11/06/2023
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. The law is very clear as to the Civil liability and the remedy available to me (Section 616 & 617) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. This company has reported incorrect information and damaged my financial health with an account that they do not own nor do I that is reporting on my credit report.
Business response
11/17/2023
In response to this complaint, attached is the final accounting from our client ************ ****** Company. Our client still shows an unpaid balance of $916.62. Please contact our office if any additional information is needed.

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ComplaintsforFirstPoint Collection Resources, Inc.

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