ComplaintsforGeneral Revenue Corporation

• Initial Complaint

  10/09/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I understand that this is a collection company. We have no outstanding debt, and there has been no mail notification of any issues. I want the calls to stop.

  Business response

  10/15/2024

  We thank the Better Business Bureau (BBB) for the opportunity to investigate and respond to complaint # ********. We received and reviewed the correspondence regarding the consumer and provide the following response:
  
  According to our records, your phone number ending in ****, was provided to us in an attempt to reach a party for whom we are handling a personal business matter.
  When we spoke to you on October 10, 2024, we had not been advised, nor did we have reason to believe, the phone number belonged to an incorrect party. Once GRC was notified of the incorrect phone number, we updated the number ending in **** accordingly in our systems to avoid further attempted contact.
  Our records further show no additional attempts to contact your phone number ending in **** since October 10, 2024.
  We apologize for the inconvenience you experienced. Please do not hesitate to call and speak with our office at ###-###-#### with any questions or concerns.
  We agree it is our responsibility to attempt to resolve consumer complaints presented to the BBB. We also understand the BBB may or may not publish the consumer’s complaint and our responses on the BBB’s website. By posting this information on your website, we believe that the BBB has assumed responsibility for protecting the consumer’s privacy, and non-public information from being viewed by third parties. In addition, there may be other federal and/or state privacy laws that apply to release of information regarding the consumer in question. Therefore, because of the possibility that the consumer’s complaint and our response may be publicly posted on the BBB website, we have omitted all nonpublic, personal information regarding the consumer from our response.

  Customer response

  10/16/2024

  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

  09/10/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have had an account with General Revenue (#************), My total payment was $2,690.32. I had been paying them since February 2024. I attempted to make my last $500 payment to them and I was contacted by the company nearly two weeks after I had submitted the payment from my **** ** ******* banking account. General Revenue told me they did not have my payment, I called my bank to see if the check had been cashed and it had not. I was able to stop the check through my bank because I did not want to pay General Revenue twice. The representative, "K**" asked me that day why did I have the check cancelled. I felt like she was trying to scam me that day. My bank returned that $500 to my account on 7/5/2024. I discussed a plan with K** to send the $500 back to them when it was reached back in my account, I said I would reissue to them. General Revenue received that payment on 7/18/2024 and the resolution in my bank account says cleared. Nearly a month later General Revenue called me saying they were trying to collect a debt, I knew I had paid them they said the last check was returned for insufficient funds, They are lying and my bank account was never overdrawn, in fact I put another $500 back into my account on 7/18/2024. I have banked with my bank over 30 years and I have never had a check returned for insufficient funds. They are lying to me and I have my bank records as my proof that the check was cleared, I want my account to be satisfied and my ****** ***** ********** account should also be satisfied.

  Business response

  09/20/2024

  We thank the Better Business Bureau (BBB) for the opportunity to investigate and respond to complaint # ********. We received and reviewed the correspondence regarding the consumer and provide the following response:
  
  On November 15, 2023, ****** ***** ********** placed your accounts receivable debt with GRC for collection.
  
  On November 17, 2023, a validation notice was mailed to the address provided by the client at the time of placement as your last known address.
  
  On February 29, 2024, we received a voluntary payment in the amount of $690.32. On April 25, 2024, we received a voluntary payment in the amount of $1000.00. On May 31, 2024, we received a voluntary payment in the amount of $500.00. On May 31, 2024, we received a voluntary payment in the amount of $500.00. On July 09, 2024, we received a voluntary payment in the amount of $500.00. These payments were applied to your account. Your account was deemed paid in full on July 09, 2024. On July 18, 2024, we received a voluntary payment in the amount of $500.00. Since the account was closed, the check was mailed back to you at the address on file. However, on August 16, 2024 the July 09, 2024 $500.00 payment was returned as NSF and the account was re-opened with a remaining balance of $500.00. On September 16, 2024, we received 2 voluntary payments in the amount of $125.00 each bringing the remaining balance to $250.00.
  
  As the $500.00 check from July 18th was not cashed by General Revenue Corporation, it is recommended to discuss this deduction with your Financial Institution. A copy of the letter, check being returned and the NSF received have been included for your review.
  
  Pursuant to the request for a partial cease and desist, GRC honored your request and marked the account accordingly. A partial cease and desist will allow us to continue sending letters but prevents us from making calls to you. Also, please note, this debt will remain in our office until ****** ***** ********** closes it or a voluntary resolution is established by you.
  
  Upon receipt of your complaint, the calls were reviewed on your account and your allegations were found to be unsubstantiated. As for your claim of harassment our records indicate all contact and attempted contact was conducted in accordance with Federal and State Laws.
  
  We agree it is our responsibility to attempt to resolve consumer complaints presented to the BBB. We also understand the BBB may or may not publish the consumer’s complaint and our responses on the BBB’s website. By posting this information on your website, we believe that the BBB has assumed responsibility for protecting the consumer’s privacy, and non-public information from being viewed by third parties. Pursuant to section 805(b) of the Fair Debt Collection Practices Act (FDCPA) 15 U.S.C. § 1692c(b), “without the prior express consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.” In addition, there may be other federal and/or state privacy laws that apply to release of information regarding the consumer in question. Therefore, because of the possibility that the consumer’s complaint and our response may be publicly posted on the BBB website, we have omitted all nonpublic, personal information regarding the consumer from our response.

  Business response

  09/20/2024

  We thank the Better Business Bureau (BBB) for the opportunity to investigate and respond to complaint # ********. We received and reviewed the correspondence regarding the consumer and provide the following response:
  
  On November 15, 2023, ****** ***** ********** placed your accounts receivable debt with GRC for collection.
  
  On November 17, 2023, a validation notice was mailed to the address provided by the client at the time of placement as your last known address.
  
  On February 29, 2024, we received a voluntary payment in the amount of $690.32. On April 25, 2024, we received a voluntary payment in the amount of $1000.00. On May 31, 2024, we received a voluntary payment in the amount of $500.00. On May 31, 2024, we received a voluntary payment in the amount of $500.00. On July 09, 2024, we received a voluntary payment in the amount of $500.00. These payments were applied to your account. Your account was deemed paid in full on July 09, 2024. On July 18, 2024, we received a voluntary payment in the amount of $500.00. Since the account was closed, the check was mailed back to you at the address on file. However, on August 16, 2024 the July 09, 2024 $500.00 payment was returned as NSF and the account was re-opened with a remaining balance of $500.00. On September 16, 2024, we received 2 voluntary payments in the amount of $125.00 each bringing the remaining balance to $250.00.
  
  As the $500.00 check from July 18th was not cashed by General Revenue Corporation, it is recommended to discuss this deduction with your Financial Institution. A copy of the letter, check being returned and the NSF received have been included for your review.
  
  Pursuant to the request for a partial cease and desist, GRC honored your request and marked the account accordingly. A partial cease and desist will allow us to continue sending letters but prevents us from making calls to you. Also, please note, this debt will remain in our office until ****** ***** ********** closes it or a voluntary resolution is established by you.
  
  Upon receipt of your complaint, the calls were reviewed on your account and your allegations were found to be unsubstantiated. As for your claim of harassment our records indicate all contact and attempted contact was conducted in accordance with Federal and State Laws.
  
  We agree it is our responsibility to attempt to resolve consumer complaints presented to the BBB. We also understand the BBB may or may not publish the consumer’s complaint and our responses on the BBB’s website. By posting this information on your website, we believe that the BBB has assumed responsibility for protecting the consumer’s privacy, and non-public information from being viewed by third parties. Pursuant to section 805(b) of the Fair Debt Collection Practices Act (FDCPA) 15 U.S.C. § 1692c(b), “without the prior express consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.” In addition, there may be other federal and/or state privacy laws that apply to release of information regarding the consumer in question. Therefore, because of the possibility that the consumer’s complaint and our response may be publicly posted on the BBB website, we have omitted all nonpublic, personal information regarding the consumer from our response.

  Customer response

  09/25/2024

  Better Business Bureau:
  
  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, reasons for rejection are included below.
  
  Regards,
  
  **** *****
  

  Customer response

  09/25/2024

  Better Business Bureau:
  
  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, reasons for rejection are included below.
  
  Regards,
  
  **** *****
  

• Initial Complaint

  09/05/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have never heard of this corporation company or entity and never signed an agreement with them for any services. I am not indebted to this unknown corporation.

  Business response

  09/13/2024

  We thank the Better Business Bureau (BBB) for the opportunity to investigate and respond to complaint # ********. We received and reviewed the correspondence regarding the consumer and provide the following response:
  
  On October 19, 2023, ******* ********** placed your tuition loan with GRC for collection.
  
  On October 23, 2023, a validation notice was mailed to the address provided by the client at the time of placement as your last known address.
  
  On January 01, 2024, the debt was first reported to the credit reporting agencies as an open collection account.
  
  To date, numerous unsuccessful call attempts have been made to the phone numbers ending in ****, **** and ****.
  
  Upon receipt of your complaint letter, we reached out to our client, ******* **********, and they provided validation of this debt which we have included for your review. This validation includes a Statement of Account.
  
  As for your request to have GRC delete our trade lines from your credit report, please be advised, “The Fair Credit Reporting Act requires us to report information to the consumer reporting agencies with accuracy and integrity.” Therefore, we cannot remove accurate information from your credit report.
  
  We agree it is our responsibility to attempt to resolve consumer complaints presented to the BBB. We also understand the BBB may or may not publish the consumer’s complaint and our responses on the BBB’s website. By posting this information on your website, we believe that the BBB has assumed responsibility for protecting the consumer’s privacy, and non-public information from being viewed by third parties. Pursuant to section 805(b) of the Fair Debt Collection Practices Act (FDCPA) 15 U.S.C. § 1692c(b), “without the prior express consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.” In addition, there may be other federal and/or state privacy laws that apply to release of information regarding the consumer in question. Therefore, because of the possibility that the consumer’s complaint and our response may be publicly posted on the BBB website, we have omitted all nonpublic, personal information regarding the consumer from our response.

• Initial Complaint

  08/08/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Daily robo-phone calls for over the past 6 months. I have no business with this business and never heard of them until I began receiving phone calls. I have blocked the calls, but they continue.

  Business response

  08/20/2024

  We thank the Better Business Bureau (BBB) for the opportunity to investigate and respond to complaint # ********. We received and reviewed the correspondence regarding the consumer and provide the following response:
  
  On October 04, 2023, **** ******** ********* ****** placed your 2014, 2015, 2016 & 2017 Personal Income Tax debts with GRC for collection.
  
  To date, numerous unsuccessful call attempts have been made to the phone numbers ending in 2500, 6692, 2284 and 5764.
  
  On August 16, 2024, a validation notice was mailed to the address provided by the client at the time of placement as your last known address.
  
  The following information is being requested on behalf of the **** ******** ********* ******:
              Copies of your 2014, 2015, 2016 & 2017 tax returns and/or proof of payment.
  
  You may email your documentation to ************************** or mail your documentation to 4660 Duke Drive, Suite 200 Mason, OH 45040-8466.
  
  Pursuant to the request for cease and desist, GRC honored your request and marked the account accordingly, however, this debt will remain in our office until the **** ******** ********* ****** closes it or a voluntary resolution is established by you.
  
  We agree it is our responsibility to attempt to resolve consumer complaints presented to the BBB. We also understand the BBB may or may not publish the consumer’s complaint and our responses on the BBB’s website. By posting this information on your website, we believe that the BBB has assumed responsibility for protecting the consumer’s privacy, and non-public information from being viewed by third parties. Pursuant to section 805(b) of the Fair Debt Collection Practices Act (FDCPA) 15 U.S.C. § 1692c(b), “without the prior express consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.” In addition, there may be other federal and/or state privacy laws that apply to release of information regarding the consumer in question. Therefore, because of the possibility that the consumer’s complaint and our response may be publicly posted on the BBB website, we have omitted all nonpublic, personal information regarding the consumer from our response.
  

• Initial Complaint

  07/26/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  #******** - General Rev /07 college of ******** ****** $7,439 Credit reporting. Improper use of credit report, and reporting company used my report improperly. Tried to fix before. this is not my account, never authorized any loans in this amount. ********** intermediate holdings Inc is whom this complaint is for.

  Business response

  08/05/2024

  We thank the Better Business Bureau (BBB) for the opportunity to investigate and respond to complaint # ********. We received and reviewed the correspondence regarding the consumer and provide the following response:
  
  On September 25, 2023, College of ******** ****** placed your account receivable debt with GRC for collection.
  
  On September 27, 2023, a validation notice was mailed to the address provided by the client at the time of placement as your last known address.
  
  On December 01, 2023, the debt was first reported to the credit reporting agencies as an open collection account.
  
  Upon receipt of your complaint letter, we reached out to our client, College of ******** ******, and they provided validation of this debt which we have included for your review. This validation includes an Account Statement.
  
  As for your request to have GRC delete our trade lines from your credit report, please be advised, “The Fair Credit Reporting Act requires us to report information to the consumer reporting agencies with accuracy and integrity.” Therefore, we cannot remove accurate information from your credit report.
  
  We appreciate you bringing this matter to our attention.  However, GRC is not in violation of the Fair Debt Collection Practices Act, Fair Credit Reporting Act or any state laws.
  
  We agree it is our responsibility to attempt to resolve consumer complaints presented to the BBB. We also understand the BBB may or may not publish the consumer’s complaint and our responses on the BBB’s website. By posting this information on your website, we believe that the BBB has assumed responsibility for protecting the consumer’s privacy, and non-public information from being viewed by third parties. Pursuant to section 805(b) of the Fair Debt Collection Practices Act (FDCPA) 15 U.S.C. § 1692c(b), “without the prior express consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.” In addition, there may be other federal and/or state privacy laws that apply to release of information regarding the consumer in question. Therefore, because of the possibility that the consumer’s complaint and our response may be publicly posted on the BBB website, we have omitted all nonpublic, personal information regarding the consumer from our response.

• Initial Complaint

  07/10/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not sure why they call daily, obnoxious! just a message to call.

  Business response

  07/17/2024

  
  We thank the Better Business Bureau (BBB) for the opportunity to investigate and respond to complaint # ********. We received and reviewed the correspondence regarding the consumer and provide the following response:
  
  On August 02, 2023, **** ******** ********* ****** placed your tax debt for 2007 with GRC for collection.
  
  On July 17, 2024, a validation notice was mailed to the address provided by the client at the time of placement as your last known address.
  
  Upon receipt of your complaint, the calls were reviewed on your account and our records indicate all contact and attempted contact were conducted in accordance with Federal and State Laws.
  
  Pursuant to the request for cease and desist, GRC honored your request and marked the account accordingly. Please note, this debt will remain in our office until **** ******** ********* ****** closes it or a voluntary resolution is established by you.
  
  We agree it is our responsibility to attempt to resolve consumer complaints presented to the BBB. We also understand the BBB may or may not publish the consumer’s complaint and our responses on the BBB’s website. By posting this information on your website, we believe that the BBB has assumed responsibility for protecting the consumer’s privacy, and non-public information from being viewed by third parties. Pursuant to section 805(b) of the Fair Debt Collection Practices Act (FDCPA) 15 U.S.C. § 1692c(b), “without the prior express consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.” In addition, there may be other federal and/or state privacy laws that apply to release of information regarding the consumer in question. Therefore, because of the possibility that the consumer’s complaint and our response may be publicly posted on the BBB website, we have omitted all nonpublic, personal information regarding the consumer from our response.
  

• Initial Complaint

  05/09/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  The company refuses to answer my questions in regards to the nature of their request to verify my name and address and other personal information over the phone. They refuse my requesting to send a physical letter to my address without verifying my information. But I did not give any permission to this business or have any contract with them to have or use my personal information, to harass or contact my person, or the members of my church, the church phone itself, my family members. The person who is harassing me is named Cassandra will not give an last name. Calls outside of business hours and is using illegal means to gather information on myself and others who may know me even violated my religious expression when she called during my religious observance of ******** ********* **** ****, calling the church phone while in service: Holy Wednesday May 1st at 130 pm Today she called a member of my church ****** *** ******* at 8:45 am My parents: last week (who filed a complaint with the BBB) Myself: today May 9th 8:30 am Yesterday May 8th 1:12 pm and 8:42 am Holy Wed. May 1st 8:36 am Holy Tue. April 30th 9:36 am Thursday April 25th 10:39 am Tuesday April 23rd 2:09 pm

  Business response

  05/17/2024

  We thank the Better Business Bureau (BBB) for the opportunity to investigate and respond to complaint #********. We received and reviewed the correspondence regarding the consumer and provide the following response:
  
  On April 18, 2024, ******************* ********** placed your Perkins loan with GRC for collection. Please note GRC does not purchase debt and is licensed to collect in all states on behalf of ****************** **********.
  
  
  On May 16, 2024, a validation notice was mailed to the address provided by the client at the time of placement as your last known address.
  
  As for your claim of harassment, our records indicate all contact and attempted contact was conducted in accordance with Federal and State Laws.
  
  Pursuant to the request for cease and desist, GRC honored your request and marked the account accordingly. Please note, this debt will remain in our office until ******************* ********** closes it or a voluntary resolution is established by you.
  
  We agree it is our responsibility to attempt to resolve consumer complaints presented to the BBB. We also understand the BBB may or may not publish the consumer’s complaint and our responses on the BBB’s website. By posting this information on your website, we believe that the BBB has assumed responsibility for protecting the consumer’s privacy, and non-public information from being viewed by third parties. Pursuant to section 805(b) of the Fair Debt Collection Practices Act (FDCPA) 15 U.S.C. § 1692c(b), “without the prior express consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.” In addition, there may be other federal and/or state privacy laws that apply to release of information regarding the consumer in question. Therefore, because of the possibility that the consumer’s complaint and our response may be publicly posted on the BBB website, we have omitted all nonpublic, personal information regarding the consumer from our response.
  

• Initial Complaint

  04/29/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I want to assert that I am not liable for the debt that is linked to ******* **********, as there has been no contractual agreement between us. It is essential to emphasize that I have not willingly entered into any financial obligations with them. Furthermore, in my effort to address this issue appropriately and transparently, I made a formal request to GENERAL REVENUE CORP for the provision of the original contract relevant to this particular debt. Regrettably, despite this request, they have not fulfilled my inquiry by providing the requested documentation. This lack of transparency and cooperation from GENERAL REVENUE CORP has added to the complexity of the situation, making it necessary for me to seek further assistance and clarification to resolve this matter effectively. ======================================================== GENERAL REV (Original Creditor: ** ******* **********) Opened on - 05/18/2023, Account ******** .

  Business response

  05/06/2024

  We thank the Better Business Bureau (BBB) for the opportunity to investigate and respond to complaint # 21638613. We received and reviewed the correspondence regarding the consumer and provide the following response:
  
  
  On May 18, 2023, ******* ********** placed your tuition debt with GRC for collection.
  
  On May 22, 2023, a validation notice was mailed to the address provided by the client at the time of placement as your last known address.
  
  On September 01, 2023, the debt was first reported to the credit reporting agencies as an open collection account.
  
  The account was disputed numerous times between December 06, 2023, and April 30, 2024. In response, our office submitted the validation of debt to you on April 18, 2024, through the **** website. Validation included a Statement of Account and Electronic Signature.
  
  As for your request to have GRC delete our trade lines from your credit report, please be advised, “The Fair Credit Reporting Act requires us to report information to the consumer reporting agencies with accuracy and integrity.” Therefore, we cannot remove accurate information from your credit report.
  
  Since we have already investigated and responded to this complaint, we consider this matter resolved.   If you have any documentation to substantiate your claim against ******* **********, we will be more than happy to re-investigate the matter once the information is received. 
  
  Should you have any additional questions regarding your account, or to establish a voluntary resolution, we encourage you to contact our office at ###-###-####
  
  We agree it is our responsibility to attempt to resolve consumer complaints presented to the BBB. We also understand the BBB may or may not publish the consumer’s complaint and our responses on the BBB’s website. By posting this information on your website, we believe that the BBB has assumed responsibility for protecting the consumer’s privacy, and non-public information from being viewed by third parties. Pursuant to section 805(b) of the Fair Debt Collection Practices Act (FDCPA) 15 U.S.C. § 1692c(b), “without the prior express consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.” In addition, there may be other federal and/or state privacy laws that apply to release of information regarding the consumer in question. Therefore, because of the possibility that the consumer’s complaint and our response may be publicly posted on the BBB website, we have omitted all nonpublic, personal information regarding the consumer from our response.
  

• Initial Complaint

  04/24/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Just learned about this company and called for information in which they were extremely rude but to also state I never received any notification of a debt and assume the debt has been sold from a institution. Please attach the sent verified letter for the said date prior to reporting to the bureau. Again, this information with General Revenue Corp is invalid and I do not have a contract with General Revenue Corporation, they did not provide me with the original contract. I did not receive any debt validation letter within 30 days of reporting. The amount and dates I'm not familiar with and doubt that they are accurate. I would like this agency to remove all the inaccurate and misleading information from my credit report. These inaccurate details have adversely affected my credit worthiness and hampers my chances of acquiring new credit. Under the provisions od the Fair Credit Reporting Act (FCRA), I demand that the following items in my credit report be re-verified and removed: Creditor's Name, Account Number, Comment. Under the FCRA, you must re-verify the items and get them removed within 30 business days of receipt of this complaint, to avoid violation of the law. Please notify me of the changes. In addition please provide me a copy of the last billing statement that was generated from the original institution. Also mention additional interest charges, if any, applied against the payment. Do you hold a debt collection license under your agency's name? If yes, please provide the license number as well as the license holder's name. The information mentioned above is required from your end for me to verify if I hold any debt against Genral Revenue Corporation. I look forward to your corporation and early response. Regards, ** *****

  Business response

  05/03/2024

  We thank the Better Business Bureau (BBB) for the opportunity to investigate and respond to complaint # ********* We received and reviewed the correspondence regarding the consumer and provide the following response:
  
  On October 18, 2023, Missouri Baptist University placed your student receivable debt with GRC for collection. Please note GRC does not purchase debt and is licensed to collect in all states on behalf of Missouri Baptist University. In addition, collection costs are assessed by Missouri Baptist University and not GRC.
  On October 20, 2023, a validation notice was mailed to the address provided by the client at the time of placement as your last known address. A second notice letter was mailed to the same verified address on April 25, 2024, per your request.
  
  On March 01, 2024, the debt was first reported to the credit reporting agencies as an open collection account.
  
  Upon receipt of your complaint, the calls were reviewed on your account and your allegations were found to be unsubstantiated. 
  
  In response to your request for validation of debt, the request for validation was not received within the 30-day validation period. Therefore, GRC is not legally obligated to respond or supply the validation. As a courtesy, we reached out to our client, Missouri Baptist University, and they provided validation of this debt which we have included for your review. This validation includes Business Office Master Promissory Note and Statement and Schedule. We have also requested a copy of the validation notice that was sent on October 20, 2023. We will mail the notice to you once received to the address we have on file.
  
  As for your request to have GRC delete our trade lines from your credit report, please be advised, “The Fair Credit Reporting Act requires us to report information to the consumer reporting agencies with accuracy and integrity.” Therefore, we cannot remove accurate information from your credit report.
  
  We appreciate you bringing this matter to our attention. However, GRC is not in violation of the Fair Debt Collection Practices Act, Fair Credit Reporting Act, or any state laws.
  
  We agree it is our responsibility to attempt to resolve consumer complaints presented to the BBB. We also understand the BBB may or may not publish the consumer’s complaint and our responses on the BBB’s website. By posting this information on your website, we believe that the BBB has assumed responsibility for protecting the consumer’s privacy, and non-public information from being viewed by third parties. Pursuant to section 805(b) of the Fair Debt Collection Practices Act (FDCPA) 15 U.S.C. § 1692c(b), “without the prior express consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.” In addition, there may be other federal and/or state privacy laws that apply to release of information regarding the consumer in question. Therefore, because of the possibility that the consumer’s complaint and our response may be publicly posted on the BBB website, we have omitted all nonpublic, personal information regarding the consumer from our response.
  
  

• Initial Complaint

  04/08/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  They are reporting an account on my credit report and refuse to give any information or provide any documentation this account belongs to me. This account isn’t mine and I can not get them to remove it

  Business response

  04/15/2024

  We thank the Better Business Bureau (BBB) for the opportunity to investigate and respond to complaint # ********. We received and reviewed the correspondence regarding the consumer and provide the following response:
  
  On May 24, 2023, ******* **** ********** placed your account receivable debt with GRC for collection.
  On May 26, 2023, a validation notice was mailed to the address provided by the client at the time of placement as your last known address.
  On October 1, 2023, the debt was first reported to the credit reporting agencies as an open collection account.
  On April 15, 2024, we closed your account and returned it to ******* **** **********. A request will be sent to the consumer reporting agencies to delete the account from your credit report. Please allow sufficient time for the reporting agencies to update their records accordingly.
  For further information please feel free to make outreach to ******* **** ********** to resolve this matter.
  We appreciate you bringing this matter to our attention. However, GRC is not in violation of the Fair Debt Collection Practices Act, Fair Credit Reporting Act, or any state laws.
  
  We agree it is our responsibility to attempt to resolve consumer complaints presented to the BBB. We also understand the BBB may or may not publish the consumer’s complaint and our responses on the BBB’s website. By posting this information on your website, we believe that the BBB has assumed responsibility for protecting the consumer’s privacy, and non-public information from being viewed by third parties. Pursuant to section 805(b) of the Fair Debt Collection Practices Act (FDCPA) 15 U.S.C. § 1692c(b), “without the prior express consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.” In addition, there may be other federal and/or state privacy laws that apply to release of information regarding the consumer in question. Therefore, because of the possibility that the consumer’s complaint and our response may be publicly posted on the BBB website, we have omitted all nonpublic, personal information regarding the consumer from our response.

  Customer response

  04/17/2024

  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,
  
  ****** ******
  

*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. ↩