Firstsource Business Process Services, LLC

I am filing this complaint regarding a medical debt placed into collections for an urgent care visit under my name. Prior to the account being sent to collections, I contacted the providers billing department to explain my financial hardship and requested an affordable payment arrangement. During that time, I made a good-faith payment of {$20.00} toward the balance and clearly communicated that I could only afford approximately {$20.00} per month. During a phone conversation with the provider, I was informed that if the account were transferred to collections, it might be possible to negotiate a lower monthly payment arrangement. Based on this information, I understood that a {$20.00} per month plan could be considered at that stage. I believe this communication can be verified through recorded calls.…

I received an email from First Source Advantage LLC, per XXXX on behalf of XXXX XXXX XXXX. I never received any notice of an outstanding balance! I contacted XXXX XXXX on XX/XX/year> to verify any outstanding balance. I was advised there is no balance due on my account, and I currently my account is in good standing. I was also advised to ignore the communication. I never received any communication from XXXX XXXX XXXX XXXX First Source Advantage LLC.

CFPB COMPLAINT FEEDBACK RESPONSE Consumer : XXXX XXXX Case Number : XXXX Company : Firstsource Advantage , LLC Response Date : XX/XX/year> I am rejecting Firstsource Advantage 's response as materially inaccurate and, in several specific instances, directly contradicted by timestamped documentation. The following addresses each of their key claims in sequence. ISSUE 1 : THEIR RESPONSE ADDRESSES THE WRONG ACCOUNT My complaint specifically concerned the XXXX XXXX account ( ending in XXXX ) and the post-notice harassment related to that account. Firstsource 's response dedicates the majority of its content to the XXXX XXXX account ( ending in XXXX ), which was not the subject of this complaint. This is a deflection, not a response. ISSUE 2 : THEIR CLAIM " NO RECORD OF RECEIVING CORRESPONDENCE DATED XX/XX/year> '' This is false and directly contradicted by third-party tracking data.…

Ask for more information and ever received more information regarding amount of money.

On XX/XX/year>, I sent a formal written debt validation request to Firstsource Advantage , LLC via email to XXXX regarding an alleged XXXX XXXX, XXXX debt with a balance of {$89.00} on an account ending in XXXX. I also mailed a physical copy via certified mail to XXXX XXXX XXXX XXXX, XXXX, NY XXXX. Firstsource Advantage acknowledged receipt of my email on XX/XX/year>. Despite acknowledging my validation request, Firstsource Advantage continued to send collection emails at least 7 times without providing any debt validation, in violation of 15 U.S.C. 1692g of the Fair Debt Collection Practices Act. They never provided any of the requested validation documentation including proof of the original debt, account history, or proof of licensure to collect in the State of Washington. Their continued collection activity after receiving my written validation request constitutes multiple FDCPA violations.…

I am filing this complaint regarding collection activity by Firstsource Advantage involving a XXXX XXXX XXXX account that has been charged off. I received communication from Firstsource Advantage attempting to collect a balance of approximately {$13000.00} related to this account. However, I have also received communication from another collection agency, XXXX XXXX XXXX, regarding the same underlying debt, which raises serious concerns about duplicate collection activity and lack of clear ownership. At this time, I have not been provided with documentation sufficient to establish : That Firstsource Advantage is the current legal owner of the debt That it has authority to collect on behalf of the current owner The full chain of assignment from the original creditor The involvement of multiple collection agencies for the same balance creates uncertainty regarding : Who owns the debt Whether multiple parties are attempting to collect simultaneously Whether the debt has been…

On or about XX/XX/XXXX and XX/XX/XXXX, I received voicemails from One Advantage LLC regarding an alleged debt. The voicemails did not include sufficient information to identify the debt, did not clearly disclose the nature of the communication, and did not provide proper debt collection disclosures. Due to the lack of information, I was unable to verify the legitimacy of the alleged debt. As a result, I sent a formal written request for debt validation and a cease-and-desist letter requesting that all communication stop until proper validation was provided. I specifically requested the original creditor, account details, itemization of the amount claimed, and documentation showing I am legally responsible for the debt. This correspondence was sent via certified mail ; however, it was returned due to an expired or invalid forwarding address, leaving me with no reliable way to contact the company.…

I was trying to find out about a debt that was said I owed from XXXX led me to a debt collections agency called Firstsourse Advantage I called repeatedly no answer and every time I did call sent an email about debt verification no answer

Case number to reference : XXXX Timeline of Harassment and Willful Non-Compliance Despite a formal written prohibition and revocation of consent sent to Firstsource Advantage LLC XXXX XX/XX/year>, the agency has continued a persistent campaign of harassment. This behavior demonstrates a willful intent to bypass expressed communication restrictions through the following documented actions : Targeting Professional Lines : As explicitly stated in my XX/XX/XXXX notice, the number XXXX is a dedicated work number. By repeatedly calling this line, the agency is intentionally disrupting my professional obligations and workplace productivity. Localized Number-Spoofing ( XXXX XXXX XXXX ) : The agency has utilized localized number-spoofing to deceive me into answering. My records show a pattern of cycling through various North Carolina numbers to circumvent call filtering.…

XXXX customer, XXXX debited my bank account for {$480.00} for a website I had canceled. I called XXXX. They issued a refund. I got my refund on XX/XX/XXXX. Now I am getting a debt collection notice from XXXX. XXXX turned it over for collection with no notice. I contacted FirstSource. They directed me to XXXX and I called them. The man wanted my driver 's license # and Bank acct # to talk to me. I said no. He said he could not talk to me. I thought he was a scammer. I called XXXX and they advised XXXX collected receivables for them and XXXX could not do anything about it. They took my money. XXXX paid them, XXXX gives me a refund. So, XXXX owes them the money for my refund. I have been made whole. XXXX needs to get their money from XXXX. If XXXX does not erase this unsubstantiated debt I will be suing them both.

On XXXX I ordered a product from XXXX, On that same day I cancelled, however I was informed the product was already sent out ( XXXX XXXX supply ). My payment method was through XXXX. I have spent the last XXXX XXXX trying to resolve this matter with XXXX. They indicate they paid the full amount and there was no refund from the vendor. However XXXX advertises, cancel anytime and money back. Now XXXX is stating there is no account for me, how does that happen when XXXX indicates they paid the full amount. To date I only received XXXX shipment, yet they want me to pay the full amount for something I never received. XXXX or the collection company will not provide me with documentation.

A XXXX XXXX account is being reported on my credit report by third-party debt collector First Source Advantage , LLC . I sent three ( 3 ) formal certified mail notices to First Source demanding debt validation under 15 U.S.C. 1692g : a Debt Validation Request, a Notice of Fault and Opportunity to Cure, and a Notice of Default and Final Statement. XXXX XXXX failed to provide any legally sufficient validation or verification. Their only response consisted of templated billing statements, which do not constitute validation under law. Despite this administrative default, XXXX XXXX sent a settlement offer dated XX/XX/year>, constituting continued collection activity on an invalidated, unverified debt in violation of 15 U.S.C. 1692g ( b ).…

I am filing this complaint regarding a collection account being reported by Firstsource Advantage related to a XXXX account. I dispute the accuracy and validity of this debt. The balance being reported is inconsistent and does not match the amounts associated with the original account. Additionally, I have not been provided with proper validation of this debt, including a full breakdown of charges, proof of authorization, or a complete payment history. Under the Fair Credit Reporting Act ( FCRA 611 ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to accurate reporting and full validation of any alleged debt. At this time, Firstsource has failed to provide sufficient documentation to support the validity and accuracy of this account. Because of these discrepancies and lack of validation, I am requesting the following : Immediate investigation into the accuracy of this account. Full validation of the alleged debt.…

I am formally disputing the debt claimed by XXXX XXXX XXXX ( account ending XXXX ) and the collection activity by Firstsource Advantage , LLC. On XX/XX/year>, I enrolled in XXXX home security services, including equipment installation. During the sales call, I explicitly requested that my existing camera be moved to the back if the installer needed to remove it. This request was acknowledged by the salesperson. The installer removed my existing camera but did not install the equipment as requested, leaving it on the floor. I immediately contacted XXXX, and the installer was sent back. The installer refused to complete the work, and multiple rescheduled appointments were repeatedly canceled by XXXX installer. I canceled the service due to repeated failures to provide the agreed-upon service. XXXX refused to remove their equipment from my property, claiming I was responsible for it. Their equipment is now obstructing installation of a replacement security system that I purchased.…

I am filing a complaint regarding the conduct of FirstSource Advantage , LLC in attempting to collect an alleged debt connected to XXXX, XXXX. On XX/XX/year>, at XXXX XXXX I received the first communication from the debt collector regarding an alleged balance of approximately {$1200.00} related to a XXXX account. On XX/XX/year>, I request a Validation of this Debt. around XX/XX/year>, after the first contact, the collector sent what they described as a validation package. However, the documents provided did not constitute full validation of the alleged debt. The materials included a copy of a contract and a limited number of billing statements, but they did not explain how the balance of {$1200.00} was calculated, did not include a complete payment history, and did not provide clear proof of the collectors authority to collect the debt. Because the documentation appeared incomplete, I continued disputing the alleged debt.…

I had an account with XXXX XXXX, and my credit limit was typically around {$5000.00}. Depending on my payments, they could authorize a higher amount. At XXXX point, I entered into a payment plan with them and was making payments of approximately {$130.00} per month. Prior to that, my regular monthly payments ranged between {$650.00} and {$870.00}. Due to financial difficulties, I was unable to continue with the payment plan, and my account was eventually sent to collections. However, my last payment to XXXX XXXX was {$250.00}, and at that time, my balance was approximately {$6200.00}. This was still an amount that felt manageable for me to repay under a structured agreement. Now that my account has been transferred to collections with First Source Advantage, I have been informed that my balance is overXX/XX/XXXXXXXXspecifically {$8800.00}. This amount exceeds the limit I originally had with XXXX XXXX, which is why I am filing this complaint.…

The companys response does not resolve the core compliance issues raised in my complaint. Firstsource Advantage acknowledges that it was collecting on the XXXX XXXX XXXXXXXX account and that it sent an email on XX/XX/XXXX. My ceaseanddesist request was received before it was processed on XX/XX/XXXX, meaning the XX/XX/XXXX communication occurred after they were on notice. Under FDCPA 805 ( c ), collectors must cease communication upon notice, and neither Firstsource nor XXXX XXXX XXXX has demonstrated compliance. Firstsource also failed to address my allegation that earlier communications lacked the mandatory timebarred debt disclosure required under Regulation F ( 12 CFR 1006.26 ). Their response does not state when the disclosure was first provided, nor does it deny that earlier communications omitted it. Courts have consistently held that attempting to collect a timebarred debt without clear disclosure is misleading and violates the FDCPA.…

Firstsource Advantage sent me a written communication acknowledging that the alleged XXXX XXXX XXXX account is timebarred and legally unenforceable. The email states that the law limits how long you can be sued on a debt and that XXXX XXXX XXXX will not sue for this account. This admission confirms the debt is beyond the statute of limitations. However, Firstsource previously contacted me regarding this account without providing the mandatory timebarred debt disclosure required under the FDCPA and CFPB Regulation F. Courts have held that collectors must provide accurate, nonmisleading information about the legal status of a debt, including when it is too old to sue on. XXXX XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) ( holding that attempting to collect a timebarred debt without clear disclosure is misleading under the FDCPA ).…

I am requesting validation of this debt. I have never had business with this company. I do not owe this and it is affecting my credit score. To Whom It May Concern, This letter is being sent to you in response to your reporting on my credit profile. This is not a refusal to pay, but a notice that your claim is a dispute. Under the Fair Law Debt Collection Practices Act ( FDCPA ). I have the right to request validation of the debt you say I owe. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Below are a few questions to answer which may help you to resolve these mistakes. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit.…

I am a Rhode Island consumer filing this complaint against First Source Advantage LLC, XXXX XXXX XXXX XXXX, XXXX, New York XXXX, phone ( XXXX ) XXXX, for violations of the Fair Debt Collection Practices Act in connection with their attempts to collect an alleged XXXX XXXX XXXX credit card debt, account ending in XXXX. FSA Reference Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Account ending in XXXX. I received three collection letters from First Source Advantage regarding account ending in XXXX, all bearing reference number XXXX, dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. MATTER 1 Attempted to Collect Wrong Amount Across All Three Communications : My XXXX XXXX XXXX XXXX credit reports all consistently show the balance on account ending in XXXX as {$2400.00}. All three of First Source Advantage 's collection letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX stated the balance as {$2400.00}, an overstatement of {$0.00}.…

I am a Rhode Island consumer filing a complaint against First Source Advantage LLC, XXXX XXXX XXXX XXXX, XXXX, New York XXXX, for violations of the Fair Debt Collection Practices Act in connection with their attempts to collect an alleged XXXX XXXX XXXX credit card debt, account ending in XXXX. My XXXX credit report pulled XX/XX/XXXX confirms First Source Advantage pulled my credit on XX/XX/XXXX and XX/XX/XXXX, establishing them as the first purchaser of this account from XXXX XXXX. I received two collection letters from First Source Advantage dated XX/XX/XXXX and XX/XX/XXXX. Violation 1 Attempted to Collect Wrong Amount on Two Separate Occasions : XXXX XXXXXXXX XXXX own letter to me dated XX/XX/XXXX confirms the correct balance of account XXXX as {$3600.00}. Both of First Source Advantage 's collection letters dated XX/XX/XXXX and XX/XX/XXXX stated the balance as {$3600.00}, an overstatement of {$0.00}. First Source Advantage never corrected this error in either letter.…

I am filing this complaint for violations of consumer protection laws and the Fair Credit Reporting Act ( FCRA ) related to inaccurate credit reporting and failure to investigate disputed information. Experian is reporting multiple negative accounts, including charge-offs, collections, and late payments, that are inaccurate, incomplete, and/or unverifiable. I formally disputed these accounts ; however, Experian failed to conduct a reasonable reinvestigation as required under federal law. The company continues to report misleading and inconsistent information. Additionally, these accounts contain clear XXXX XXXX compliance violations, including : Inaccurate account status codes Improper payment histories Missing or incorrect Date of First Delinquency Continued late payment reporting after charge-off Inconsistent account balances and histories These actions violate : Fair Credit Reporting Act ( XXXX U.S.C. XXXX ) Louisiana XXXX XXXX XXXX and XXXX XXXX XXXX ( La. XXXX. XXXX et seq.…

Sent letters to orignal company XXXX XXXX XXXX XXXX ), XXXX XXXX, XXXX and Firs source Advantage attempting to verify debt on XX/XX/year> XXXX ( tracking # ) asking for verification in writing from all three, none responded after 30 days or to this date. The credit agencies reported that they verified as correct after investigation, I was never notified by any of them a clear legal violation. I am judgement proof under Ohio and XXXX XXXX, XXXX and asset rulings and uncollectable. I am now asking for account removal and possible litigation for damages to my credit and non-compliance with FDCA statues. They are taking advantage of a XXXX XXXX they presume will not fight back.

Firstsource Advantage , LLC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Fax : ( XXXX ) XXXX Reference : XXXX Claim # : XXXX To Whom It May Concern, This letter serves as a formal complaint and notice of dispute regarding a collection letter I received concerning an alleged debt related to a GoDaddy account. This alleged debt is completely disputed. The account referenced in your correspondence was terminated approximately XXXX years ago. There is no valid contract, agreement, or legal relationship between Firstsource Advantage , LLC and either myself or XXXX XXXX XXXX XXXX that would authorize your company to attempt to collect any funds. Your claim appears to be without legal basis. More troubling is the fact that your company attempted to debit a bank account without authorization.…

I am filing this complaint regarding unlawful third-party disclosure of my alleged debt by Firstsource Advantage , LLC in violation of the Fair Debt Collection Practices Act ( FDCPA ). A collection letter dated XX/XX/year>2025 was received in early XXXX. On XXXX XXXX, 2025, at approximately XXXX PM EST, a representative of Firstsource Advantage placed a phone call to my father. During this call, the representative disclosed that the call concerned a debt in collections and requested my contact information. This was not a neutral request for location information. The representative communicated that the matter involved a debt collection account. I have never provided consent for this company to discuss my alleged debt with any third party. Under 15 U.S.C. 1692b, a debt collector may contact a third party only for the limited purpose of obtaining location information and may not state or imply that the consumer owes a debt.…

I called and stated I was recording a man hung up on me 3 times, bc I said I was recording a woman wouldnt give me validation of my debt I owe without giving information Im not entitled too

XX/XX/year> the company Firsr source advantage called me, as well as other dates in the past, Pretending to be my father and brother, using their first names as their caller ID so when they called me, I assumed it was my brother and my father. They abused my information in order to trick me into picking up the phone, thinking it was them. I feel violated as they have my personal information and family information and used their first names as caller ID. That is deceptive ab disgusting to do that. This is invasive and this should be illegal! They did this in the past a few months ago using my other brothers name and his wife. I would like to press charges! This is the number that First source advantage used XXXX They spelt my brothers name wrong and I also do not talk to my father so I knew something was scammy. How can a company operate like this?? A deceptive tactic using my personal information to trick me into thinking it was a family member so I would pick up.…

XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXXOne Advantage LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX Request for Debt Validation Reference XXXX XXXX XXXXTo Whom It May Concern: XXXXI am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act (HIPAA) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allow the release of limited information about me but anything more is to only be revealed with the patients authorization.…

I requested that the company mail me any proof of debt and to please not contact me via email and they continuously spam me.

I am disputing a debt that XXXX XXXX XXXX has improperly placed into collections with First Source Advantage LLC. The alleged balance of {$1000.00} represents the remaining balance of a service contract that XXXX itself refused to honor. In XX/XX/year>, I moved from North Carolina to Georgia. I uninstalled and reinstalled my XXXX equipment myself, which is explicitly permitted under my contract. Section XXXX of the agreement ( Installation, Repair, and Maintenance of the XXXX ) allows for self-installation, and no technician visit is required under that section. After reinstalling my equipment, I contacted XXXX to update my service address. XXXX refused to update my address, locked me out of my online account, and prevented me from viewing my bill or managing my services. I was also informed that XXXX would not continue monitoring or alarm services at my new address unless I paid {$140.00} for a technician visit, despite my system already being installed and functional.…