ComplaintsforConServe

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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
05/08/2022
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
Good afternoon I am writing this complaint on this channel due to no response using the Conserve complaint website. I had no knowledge of any debts owed to my university or to Conserve. I originally had disputed the information on my credit file because I had no knowledge of any debts owed. During the time that letters had been sent, I had moved to another state. After receiving proof that this debt was actually mine, I made payments and paid it in full on 6/4/2021. This collection item is still reporting as an open collection on some credit bureaus and paid on others. This is the only derogatory item on my credit, as I always handle my debts in a timely matter. I am asking this be removed from my credit file because I was not given the opportunity to pay this before being sent to collections. This is has been a hardship on my credit score and has severely hurt my credit score. Any consideration would be greatly appreciated.
Business response
05/16/2022
On May 8, 2022, ConServe received a complaint from your offices, on behalf of the Consumer
identified in ID ******** (the “Consumer”). I have been asked to respond on ConServe’s behalf.
Therein, the Customer states the account is inaccurately being reported as an open collection as the
account was paid in full on June 4, 2021, and additionally, the Consumer requests that ConServe
consider removing the account from credit reporting. ConServe apologizes for the Complainant’s
concerns.
With respect to the account, ConServe’s records indicate that following receipt of the Consumer’s
payment on June 4, 2021, the account was appropriately requested to be updated as a paid collection
account. Following receipt of the Consumer’s current complaint, ConServe determined that although
ConServe requested this update, the account was continuing to report as an open account with a zero
balance. As a result, it was re-requested by ConServe that the account be updated as a paid collection
account.
I apologize that ConServe cannot request removal of accurately reported information from a
Consumer’s credit report. ConServe is required under the federal Fair Credit Reporting Act to
accurately report updates to an account, such as payment in full, rather than removing it. For any
additional inquiries regarding this matter, the Consumer is encouraged to contact the corresponding
credit reporting agencies.
Should you have any questions regarding the foregoing, please call ***** ******** ********* *****
or email ************************** and I can direct your concerns to the appropriate department.
Business response
05/27/2022
On May 17, 2022, ConServe received a supplemental response from the Consumer from your
offices, on behalf of the Consumer identified in ID ******** (the “Consumer”). The Consumer
indicates she reviewed ConServe’s May 16, 2022 response, and expressed dissatisfaction.
With respect to the account, ConServe’s records indicate that following receipt of the Consumer’s
payment on June 4, 2021, the account was appropriately requested to be updated as a paid collection
account. In any event, please be advised that on May 26, 2022, ConServe received a notification
report from e-Oscar (Online Solution for Complete and Accurate Reporting) indicating that pursuant
to internal policy the account would be requested to be removed from credit reporting. As a result of
this notification, the account was removed from credit reporting and the account will no longer be
credit reported by ConServe. For any additional inquiries regarding this matter, the Consumer is
encouraged to contact the corresponding credit reporting agencies.
Should you have any questions regarding the foregoing, please call ***** ******** ********* *****
or email ************************** and I can direct your concerns to the appropriate department.
Customer response
05/28/2022
Better Business Bureau: 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
04/28/2022
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.
Hi BBB, I would like your assistance with this company. I do not have a contract with this debt buyer. I would like the following provided to me: 1) An explanation of what this alleged account balance is for. 2) Acomplete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 3) Documentation that shows I agreed to pay this debt with my signature and documentation shows I gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such. 4) The Agreement that grants you authority to collect on this alleged debt. 5) A copy of your state license, including license number that give you rights to collect in my state. 6.( The purchase agreement) 7.( Swear under penalty of perjury you were present during the alleged debt) If CONSERVE cannot provided me with all of the following I request that this debt nullified and removed from my credit profile. Pursuant to the Federal Fair Debt Collection Practices Act (15 USC 1692c), You are hereby notified to immediately cease communications concerning the collection of the debt associated with the above-referenced account. This notice shall include, but is not limited to written correspondence, telephonic communication and reporting this account to any consumer reporting agencies. I demand that you delete this tradeline from all consumer reporting agencies immediately.
Business response
05/11/2022
On April 26, 2022, ConServe received a complaint from your offices, on behalf of the Consumer identified in ID ******** (the “Consumer”). I have been asked to respond on ConServe’s behalf.Therein, the Consumer states the referenced accounts are listed on his credit report, that the account does not belong to the Consumer, and the information is incorrect as the Consumer never opened an account with ConServe. Additionally, the Consumer requests that a correction be made to his credit report, and that ConServe cease and desist. ConServe apologizes for the Consumer’s concerns.According to ConServe’s, the referenced accounts were placed with ConServe, by ******* College on February 7, 2022, to recover the stated amount due; the accounts were never acquired byConServe and no amounts have been independently added to the account by ConServe.After receiving the Consumer’s complaint along with his dispute, ConServe has noted the dispute to the account and has reported the dispute to each of the credit reporting agencies where ConServe is reporting the accounts.In response to the Consumer’s dispute, ConServe first reviewed its records to determine if theConsumer is the correct person, and after comparing its records to the Consumer’s complaint and the records of ******* College it determined that the Consumer is the correct person. Based upon thereview conducted by ******* College, it is confirmed by ******* College, that the account belongs to the Consumer and is not a result of identity theft. The account documentation from *******College, which includes a letter of explanation, copies of the Consumer’s academic history for the referenced terms, the final notice issued by the Creditor, the ******* authorization and information form including the withdrawal and refund policies agreed to by the Consumer, and proof of the Consumer’s registration history will be mailed to the Consumer under a separate cover.To the extent to which the Consumer disputes whether the account is accurate as it appears on his credit report, it is noted that the corresponding open dates are accurately reflected as February 2022,the date when the accounts were placed with ConServe for collection, and the account information matches the account information in the validation notice and in the account documentation. For any additional inquiries concerning the account on the Consumer’s credit report, the Consumer is encouraged to contact the corresponding credit reporting agencies. Should you have any questions regarding the foregoing or need assistance in registering youraccount, please call ###-###-#### or email complaint@conserve-arm.com , and I can direct your concerns to our support specialists. You can also call ###-###-####.
Initial Complaint
04/26/2022
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 pulled my credit report on April 25th and noticed 2 collections accounts ( conserve for 3874.00 and conserve again for 3874.00 ) on there from Conserve. I am not liable for this debt with ******* college, and do not have a contract with conserve. They do not provide me with the original application like I asked.
Business response
05/11/2022
On April 26, 2022, ConServe received a complaint from your offices, on behalf of the Consumer identified in ID ******** (the “Consumer”). I have been asked to respond on ConServe’s behalf.Therein, the Consumer states the referenced accounts are listed on his credit report, that the account does not belong to the Consumer, and the information is incorrect as the Consumer never opened anaccount with ConServe. Additionally, the Consumer requests that a correction be made to his creditreport, and that ConServe cease and desist. ConServe apologizes for the Consumer’s concerns.According to ConServe’s, the referenced accounts were placed with ConServe, by ******* Collegeon February 7, 2022, to recover the stated amount due; the accounts were never acquired byConServe and no amounts have been independently added to the account by ConServe.After receiving the Consumer’s complaint along with his dispute, ConServe has noted the dispute tothe account and has reported the dispute to each of the credit reporting agencies where ConServe isreporting the accounts.In response to the Consumer’s dispute, ConServe first reviewed its records to determine if theConsumer is the correct person, and after comparing its records to the Consumer’s complaint and the records of ******* College it determined that the Consumer is the correct person. Based upon the review conducted by ******* College, it is confirmed by ******* College, that the account belongs to the Consumer and is not a result of identity theft. The account documentation from *******College, which includes a letter of explanation, copies of the Consumer’s academic history for the referenced terms, the final notice issued by the Creditor, the ******* authorization and information form including the withdrawal and refund policies agreed to by the Consumer, and proof of the Consumer’s registration history will be mailed to the Consumer under a separate cover.To the extent to which the Consumer disputes whether the account is accurate as it appears on his credit report, it is noted that the corresponding open dates are accurately reflected as February 2022,the date when the accounts were placed with ConServe for collection, and the account information matches the account information in the validation notice and in the account documentation. For any additional inquiries concerning the account on the Consumer’s credit report, the Consumer is encouraged to contact the corresponding credit reporting agencies.Should you have any questions regarding the foregoing or need assistance in registering your account, please call ###-###-#### or email complaint@conserve-arm.com , and I can direct your concerns to our support specialists. You can also call ###-###-####.
Initial Complaint
04/02/2022
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 ** ****** ******** and do not have a contract with conserve. They do not provide me with the original application like I asked.
Business response
04/12/2022
The business has responded to the complaint however has requested that their response not be published
Initial Complaint
03/16/2022
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 in violation. I was never notified of this collection they're reporting on my consumer report. What’s more, I do not believe this debt is accurate. Under the FDCPA, I have the right to request and receive validation of the debt. So, please provide me with a copy of all the following: 1) An explanation of what this alleged account balance is for. 2) A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 3) Documentation that shows I agreed to pay this debt with my signature and documentation shows i gave you permission to have my information and paperwork showing i gave you authorization to report this to my credit report. No consent to you having my information and unathorized use of my social security number is identity theft and you will be reported for such. 4) The Agreement that grants you authority to collect on this alleged debt. 5) A copy of your state license, including license number that give you rights to collect in my state. 6.( The purchase agreement) 7.( Swear under penalty of perjury you were present during the alleged debt) Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.
Business response
03/30/2022
The business has responded to the complaint however has requested that their response not be published
Initial Complaint
02/16/2022
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 keeps calling I have explained to them I have received nothing in writing I do not owe them money and have no knowledge regarding the matter. I have requested something in writing if they believe I have an account with them I have received nothing. I would like them to stop harassing causing unnecessary stress. I have no proof of anything to attach. I have no knowledge and do not understand why I keep receiving harassing phone calls.
Business response
02/24/2022
The business has responded to the complaint however has requested that their response not be published.
Initial Complaint
02/14/2022
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 account inaccurately reported from my credit report in 3 credit bureaus like *******, ******** and **********. CONSERVE ******** Date Opened:04/16/2021 The postings on this account was inaccurate and misleading also. I already reached out to them but still now there were no responses also sent disputes to the Credit Bureaus.
Business response
03/04/2022
The business has responded to the complaint however has requested that their response not be published.
Customer response
04/19/2022
I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below. This account inaccurately reported from my credit report in 3 credit bureaus like *******, ******** and **********. CONSERVE ******** Date Opened:04/16/2021 The postings on this account was inaccurate and misleading also. I already reached out to them but still now there were no responses also sent disputes to the Credit Bureaus

Business response
04/29/2022
The business has responded to the complaint however has requested that their response not be published.
Initial Complaint
02/08/2022
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 ** **** **** ** ********* ****** and I do not have a contract with CONSERVE plus they did not provide me with the original application like I asked. Account No: ******** Amount Disputed: $267.00 MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNTS VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THAT THE ACCOUNTS WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS (FCRA).
Business response
03/17/2022
The business has responded to the complaint however has requested that their response not be published.
Initial Complaint
01/19/2022
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I pulled my credit report in Oct 2021 and noticed 2 collections accounts (******** for 536.00 and ******** for 583.00) on there from Conserve. I was confused because I never heard of the company so I reached out to see about the debts and was informed *** was the original creditor. The rep I spoke with was very nice and explained the debts, when they were charged off and how much was owed. I asked him if they did pay for delete and was first told they don't so I asked to speak with the Manager and was placed on hold for a minute and when he came back he told me that once the payments are made, they will report to the credit bureau the accounts (******** for 536.00 and ******** for 583.00) have been paid and request to have their tradeline removed from all reporting bureaus and that it can take up to 30days for the removal. Well, I've checked my credit report in Nov 2021, Dec 2021 and Jan 2021 and see that the accounts are still there. One account is reporting to two bureaus and the other is reporting to all three. The only thing thats changed is the accounts have been re aged which is an FCRA violation, the chargeoff date isn't correct, and some bureaus shows paid.. I've reached out to Conserve and the credit bureaus multiple times and have gotten no where. I want these accounts removed like I was told they would be.
Business response
02/07/2022
The business has responded to the complaint however has requested that their response not be published.
Business response
02/18/2022
The business has responded to the complaint however has requested that their response not be published.
Customer response
02/18/2022
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me as long as the remaining account is removed. Regards, ******* *******
Initial Complaint
01/17/2022
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
Please furnish all irs and state tax liens or collection today
Business response
02/03/2022
The business has responded to the complaint however has requested that their response not be published
Customer response
02/03/2022
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

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