ComplaintsforConServe

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Initial Complaint
10/17/2024
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.
Dear Better Business Bureau, I am filing a formal complaint against *********** ******* ****** *** (ConServe), a debt collection agency attempting to collect a debt they allege I owe to **** ******* ****** *****. This collection activity is unwarranted and has caused undue harm to my financial standing and peace of mind. The handling of this matter by ConServe has been highly unsatisfactory and rooted in unsubstantiated claims.First, I have never signed an agreement or contract with ConServe, nor have I received verifiable proof of any contract with **** ******* ****** ***** that would justify this debt. ConServe has failed to provide the original contract, loan terms, or any legally binding documentation despite my requests. This is a clear violation of the Fair Debt Collection Practices Act (FDCPA), which entitles me to a validation of the debt. ConServe’s letters also contain irrelevant information that casts doubt on the legitimacy of this claim. They’ve offered discount options and payment plans without addressing my requests for debt verification. The entire process has been opaque, frustrating, and dismissive of my core concern — their failure to produce legally binding proof of debt. Furthermore, **** ******* ****** ***** has never notified me of this alleged debt, which I find suspicious. ConServe’s communications contain details like phone numbers and web links, none of which pertain directly to **** *******. This raises questions about the legitimacy of the debt. ConServe has continued to report this debt on my credit report even after my dispute, threatening my financial reputation without verified grounds. Their actions are predatory. I request that the BBB investigate this matter. I am not liable for this debt, and I ask that it be removed from my credit report immediately. ConServe should cease all collection activities unless they can provide legal proof of my obligation. Thank you for your assistance. Sincerely, ****** *****
Business response
10/24/2024
On October 18, 2024 ConServe received a complaint from your offices, on behalf of the Consumer identified in ID ******** (the "Consumer"). Therein, the Consumer states he does not have a contract with ConServe and not provided with the original contract as requested. The Consumer expresses concern regarding the legitimacy of the debt. The Consumer requests that credit reporting be corrected and removed with all collection activities ceased. Please accept ConServe's apologies for the Consumer's concerns. Upon review, ConServe's records reflect that the corresponding account was placed by or on behalf of the Creditor with ConServe on August 29, 2024. Following placement, ConServe's records reflect that an initial validation notice for the account was mailed to the address of record on August 30, 2024, without any indication of return mail.Regarding the request for a copy of the contract with ConServe, please note the Creditor has always remained as the owner of the corresponding account, and the account was never acquired by ConServe. To the contrary, the account was placed with ConServe for collection purposes only, and thus of course ConServe does not have a direct contractual relationship with the Consumer. In that regard, while the Consumer indicates violations under the FDCPA, he fails to provide any supporting information to indicate the alleged violations which occurred. ConServe expressly denies and refutes any such claims.Please note that the corresponding account was closed in ConServe's office and returned to the Creditor on October 18, 2024. As a result, the account will no longer be collected by ConServe, and it is noted that the account was never credit reported by ConServe. Based on the return of the account to the Creditor, the Consumer is advised that the Creditor should be contacted for any further account or reporting inquiries. Should you have any questions regarding the foregoing, please do not hesitate to contact me at ********** extension ***** or by email at **********************. Thank you.
Initial Complaint
10/17/2024
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.
I am not liable for this debt with Conserve, I do not have a contract with ******* *******, they did not provide me with the original contract as I requested. Moreover, I never received any communication via mail or phone call in regards to this debt. This collection item has an extremely negative impact on my perfect credit record and I need this discrepancy rectified immediately. This derogatory remark has been removed from my ******** but still remains on my ******* and ********** reports Please see my attached credit reports for reference
Business response
10/28/2024
The business has responded to the complaint however has requested that their response not be published.
Initial Complaint
10/08/2024
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.
I am not liable for this debt with ******* ******* . I do not have a contract with ConServe they did not provide me with the original contract as I requested.
Customer response
10/10/2024
as advised done the original Creditor via TELEPHONE response , the amount requested is a charge off with that being said a 1099 C was suppose to be given in which they failed to do so . Per ******* ******* this Debt was Charged off /Forgiven. However Conserve bought the debt under pennies of the dollar and is not charging me over $500 for a forgiven debt . This is unfair.
Business response
10/24/2024
On October 14, 2024, ConServe received a complaint from your offices, on behalf of the Consumer identified in ID ******** (the "Consumer"). Therein, the consumer states she is not liable for the debt and does not have a contract with ConServe. Additionally, the Consumer advises they were not provided with the original contract as requested. The Consumer requests that credit reporting be corrected and the removal of the account from his credit report. An additional comment is made referencing the purchase of the account. Please accept ConServe's apologies for the Consumer's concerns. Upon review, ConServe's records reflect that five corresponding accounts were placed by or on behalf of the Creditor with ConServe. The first account was placed on October 1, 2021, the second on October 3, 2022, the third and fourth on October 4, 2022, and the fifth account on November 28, 2022. Following placement, ConServe's records reflect that an initial validation notice for each account was mailed to the address of record, without any indication of return mail for any of the five notices. Of the five accounts placed with ConServe by the Creditor, two remain open with a balance reflected. ConServe has received no indication from the Creditor that the two amounts were previously paid, forgiven or otherwise invalid. Additionally, please note the Creditor has always remained as the owner of the corresponding accounts, and all the accounts were never acquired by ConServe. To the contrary, the account were placed with ConServe for collection purposes only, and thus of course ConServe does not have a direct contractual relationship with the Consumer.As a result of the present complaint, ConServe requested additional account documentation information from the Creditor. In response, the documentation provided by the Creditor, includes a letter of explanation from the Creditor for the account balances involved, credit academic history, registration history, final notice correspondence, Broward Authorization Information Form with electronic acceptance data, student financial data and student demographics information. A copy of this account documentation, supplied by the Creditor, will be mailed to the Consumer under separate cover.In that regard, based upon the account documentation provided by the Creditor, it is clearly indicated the the Consumer is responsible for the corresponding accounts. Further, please be advised that based upon its underlying collection efforts, ConServe is fully authorized to credit report the amount behalf of the Creditor. As a result, it would be impermissible to request that the account be removed from credit reporting, and ConServe cannot agree to do so. Pursuant to the Fair Credit Reporting Act (FCRA) as a data furnisher, ConServe is required to accurately report updates to an account based upon the information provided by the corresponding credit reporting agencies, the account is accurately reflected, where reporting as open and disputed collection accounts. As the account information is accurate, ConServe is unable to modify or remove an accurately reported account from a credit report and at the same time comply with the FCRA. Should you have any questions regarding the foregoing, please do not hesitate to contact me at ********** extension **** or by email at **********************. Thank you.
Initial Complaint
10/07/2024
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I received a phone call back in the middle of September 2024 from Conserve for a debt that was discharged in my Chapter 7 bankruptcy case. I was told this account wasn't listed on my case. However, this appears to be a mistake which was corrected with my attorney. In the District of Minnesota even omitted debts are discharged. I submitted a dispute and haven't heard back. As of 10/2/2024, Conserve and ***** **** ****** ***** are listed on the creditor matrix for my case. This debt is discharged. I would like an update with details on the status of this account/dispute.
Business response
10/21/2024
The business has responded to the complaint however has requested that their response not be published.
Customer response
10/21/2024
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. Regards, ****** ******
Initial Complaint
09/14/2024
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I do not have a contract with conserve and I've never heard of them and the alleged debt they are saying i owe has been taken care of already with the irs. So why are they harassing me by sending me a letter? It's a violation of the privacy act of 1974 for them to have any of my information without my consent.
Business response
09/23/2024
The business has responded to the complaint however has requested that their response not be published
Customer response
09/23/2024
I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. I have attached a copy of the 1099-C as proof of the cancelled debt and a screenshot of its acceptance by the irs Therefore, I demand: 1. Immediate proof that this account has been satisfied from conserve and 2. A formal receipt confirming that your records show this debt as resolved. Regards, ******* ********
Business response
10/01/2024
The business has responded to the complaint however has requested that their response not be published
Customer response
10/01/2024
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. Regards, ******* ********
Initial Complaint
09/13/2024
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.
Converse took advantage of a combat-wounded Marine. I did not have a contract with this collection agency nor did they provide me with the original contract.
Customer response
09/13/2024
I don't have anything from them. I received a phone call and contacted the original debtor, ***** *** *********** *hey then told me that I had to pay Conserve, not ***** ***. I was hustled by both by being enrolled in a course that I didn't know nor approved to use my benefits. Easy money for the school. I am owed that back, but the agency didn't do they due diligence.
Business response
10/10/2024
The business has responded to the complaint however has requested that their response not be published.
Initial Complaint
09/01/2024
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.
In my contract with the collection agency, they agreed to remove the collection account from my credit report once all debt was repaid. I demand that this account be removed immediately. CONSERVE Reported: Feb. 08, 2020 - $0.00 Closed Overview You have 0% left to pay on this collection. Balance $0 Highest Balance $1418 Opened Mar. 30, 2018 (6 yrs, 5 mos) Account status Closed Type Paid Responsibility Individual Remarks Paid collection Original Creditor Name ** ******* COLLEGE Closed
Business response
09/12/2024
The business has responded to the complaint however has requested that their response not be published
Initial Complaint
08/14/2024
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.
I’m not liable for this debt with Conserve. I do not currently nor have I ever had a contract with Conserve. They have not provided me with the original contractual agreement as I’ve requested.
Customer response
08/16/2024
A copy of the letter I sent to Conserve requesting them to provide me with validation of debt. I have no knowledge of this account and therefore should not be held liable.
Business response
08/27/2024
The business has responded to the complaint however has requested that their response not be published.
Initial Complaint
08/09/2024
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.
Conserve is illegally reporting multiple collection accounts on my credit report. I have never done business with the company and have requested debt validation letters as well as physical copies of written agreements with my wet signature, the company has not provided anything.
Business response
08/26/2024
The business has responded to the complaint however has requested that their response not be published.
Initial Complaint
07/18/2024
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 company is trying to collect a debt from a **** ******* Account that was opened fraudulently using my personal information which i find to be very unethical and i am pretty sure it is against the law. I do not have any contracts with this business Conserve. **** ******* has received a police report along with FTC identity theft report and all other documentation needed to support my claim that this account was opened fraudulently , but for some reason decided to still sell this fraudulent debt.
Business response
07/30/2024

On July 19, 2024, ConServe received a complaint from your offices, on behalf of the Consumer identified in ID 22011878 (the “Consumer). Therein, the Consumer states the account was opened fraudulently. The Consumer provides a police report as an attachment. The Consumer requests communications cease regarding the debt. Please accept ConServe’s apologies for the Consumer’s concerns.
Upon review, ConServe’s records reflect that the corresponding account was placed by or on behalf of the Creditor with ConServe on June 27, 2024. Following placement, ConServe’s records reflect that an initial validation notice for the account was mailed to the address of record on July 2, 2024, without any indication of return mail. Please note the Creditor has always remained as the owner of the corresponding account, and the account was never acquired by ConServe. To the contrary, the account was placed with ConServe for collection purposes only, and thus of course ConServe does not have a direct contractual relationship with the Consumer.
Please note that the corresponding account was closed in ConServe’s office and returned to the Creditor on July 22, 2024. As a result of the closure, the account will no longer be collected by ConServe, and it is noted that the account was never credit reported by ConServe. Based on the return of the account to the Creditor, the Consumer is advised that the Creditor should be contacted for any further account inquiries.
200 CrossKeys Office Park ? PO Box 7 ? Fairport, NY 14450 ? ###-###-#### ? ###-###-####
Should you have any questions regarding the foregoing, please do not hesitate to contact me at ###-###-####, extension **** or by email at **************************. Thank you.
Sincerely,
ConServe
Melissa L*****, Esq.
Consumer Advocate and Complaint Response Specialist
MRL/ac

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