Mrs Bpo, LLC

Contact from XXXXXXXX lack of response for requests from caller for company name, address etc.

This collection is not mine. I had my auto pay taken out of my account for next months service on XX/XX/year>. This was confirmed both by XXXX and on the internet that they bill month prior. I disconnected service with XXXX on XX/XX/year> and transported my line over to XXXX for my phone number XXXX with proof shown in the below attachments. XXXX has made it so I was not able to call or access any of my account documents. When I called them they said I had to speak to the collections agency and they can not help me at all with my debt. They are hard to get a hold of with their automated phone tree. I tried several times. Then when I did they told me to email. I sent in a dispute online in XXXX heard nothing then I sent in another XX/XX/year> and am not getting any information back. They tell me they cant do anything XXXX has to but yet XXXX can update and ruin my credit score.…

On XX/XX/year>2026, aXX/XX/XXXX EDT, I received an unsolicited text message from short cXX/XX/XXXXe XXXX that read exactly as follows : Hi XXXX, This is MRS BPO, a collection agency. Were reaching out regarding an important matter concerning your XXXX XXXX XXXX account. Please visitXX/XX/XXXXXXXX to learn more. Reply STOP to opt out. This was the first communication I have ever received from MRS BPO regarding any alleged debt. The message fails to satisfy 15 U.S.C. XXXX ( XXXX ). It does not state that the communication is an attempt to collect a debt or that any information obtained will be used for that purpose. Identifying the sender as a collection agency and vaguely referencing an important matter does not meet the clear disclosure requirement of the statute. The message also contains none of the information required by 15 U.S.C. XXXX ( a ).…

I am filing this complaint against MRS BPO , LLC regarding their attempt to collect an alleged debt in the amount of {$70000.00} that they claim is associated with XXXX XXXX XXXX. I am formally disputing this alleged obligation because I did not recognize this account, I did not authorize this account, and I am not the person responsible for this alleged debt. I am a victim of identity theft, and my personal information is being wrongfully associated with an account that does not belong to me. MRS BPO , LLC is attempting to hold me responsible for an alleged obligation without providing any evidence proving that I am the actual debtor or that I ever entered into any agreement with XXXX XXXX XXXX. I am requesting complete debt validation pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), including 15 U.S.C. 1692g.…

I am requesting the removal of this XXXX collection from my credit report because the balance being reported is inaccurate and inconsistent. My final XXXX bill was XXXX. I later received a debt verification letter from MRS BPO showing a balance of XXXX. The account is now being reported by XXXX XXXX with a balance of XXXX. These conflicting balances demonstrate that the debt has not been reported accurately. XXXX has failed to maintain a consistent and verifiable balance for this account. Because the reported information is inaccurate and can not be relied upon I request that this collection be removed from my credit report. If XXXX believes the reported balance is accurate it must provide a complete itemized accounting and documentation supporting every increase from my final bill to the amount currently being reported. I request that this inaccurate collection be deleted from all credit reporting agencies.

They contacted my mom and said I had a dept that they need to collect with. Link to the payment plan.

MRS BPO has no business contacting my mother when she was not listed in any of my contact information nor has legal responsibility. This third party collector contacted my mother and the Exact text she received was, MRS BPO is a debt collector. XXXX XXXX XXXX balance of {$580.00} from your XXXX XXXX purchase is in collections and remains open until resolved. Sorting it out is simpler than it sounds, and acting sooner gives you the most options : https : //l.mrsbpo.com/1iZCsT5X4 Reply STOP to opt out. I firmly believe this violates the law of FDCPA.

I checked my credit score and it went down and saw I got sent to collections for {$800.00}. Googled the name and called the number I spoke to the agent asked her to give me information about why and what company sent me there and she could not give me a straight answer she said Charters Communications I told her I do not recognize that and began to ask her why they didnt give me a notice before sending me to collections they just sent me there without my knowledge of what this charge is, She began to tell me I had to pay it or wait 7 years for it to fall of she hung up in my face and they blocked me so that I wasnt able to call them back.

XXXX billed me for wireless service that was not usable. I called XXXX to cancel and resolve the problem on XXXX XXXX, 2024 and XX/XX/year>2024, and each call lasted about XXXX XXXX XXXX later sent a bill stating all lines were disconnected, but still claimed a balance. I had to use other carriers, including XXXX and XXXX XXXX, because XXXX service was not usable. I disputed the charge with XXXX and later with the collection company. I requested proof of the debt, itemized charges, proof of usable service, call/cancellation records, and deletion of negative credit reporting. They did not provide the requested proof. XXXX later offered to settle the disputed balance for less than the full amount, but said it would be reported as paid for less than full balance, which would still damage my credit. This disputed collection has hurt my credit score, caused stress, and required many hours of calls, emails, and complaints.…

I am submitting this complaint to notify the CFPB that I have issued a formal cease and desist notice to this debt collector. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and demand that they stop contacting me immediately. I do not want to receive any further phone calls, emails, letters, text messages, or any other communications from this debt collector.

MRS BPO {$200.00} please remove from all 3 credit reporting agencies XXXX XXXX XXXX and XXXX

I checked my credit profile and are seeing accounts I didn't open and my identity was stolen please remove thank you.

I am filing this complaint because XXXX incorrectly created a negative account balance and sent the matter to collections after I received only the correct refund amount for an item that was never delivered to my address. On XX/XX/year>, I purchased a XXXX earpiece online for {$150.00} and paid through XXXX. The item was not delivered to me. After I contacted the delivery carrier, the carrier investigated and confirmed on XX/XX/year> that the package had been lost or delivered to the wrong address. I then contacted the merchant and provided the delivery information. The merchant refused to issue a full refund. Instead, the merchant only provided a partial refund of {$80.00}. Because the item was not delivered and the merchant refused to refund the remaining balance, I disputed the remaining amount with XXXX XXXX XXXX XXXX XXXX XXXX credited only {$72.00}, which was the exact unpaid balance after the merchants {$80.00} partial refund. There was no double refund.…

On XX/XX/year> the company had texted my father regarding my debit disclosing amount and all personal information which is a clear violation of Fair Debt Collection Practices Act.

I was not informed that the initial debt was sold to another company. The are also trying to collect more than what the debt is worth.

I am filing this complaint against MRS BPO , LLC for severe violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically regarding deceptive collection practices, caller ID spoofing, and failure to provide lawful debt validation. On XX/XX/year>, I sent a formal FDCPA debt validation request via certified mail to MRS BPO , LLC regarding an alleged XXXX XXXX XXXX account, demanding proof of their legal ownership or chain of title to collect this deb. In response, MRS BPO , LLC failed to provide any proof of ownership, assignment, or a copy of the original agreement. They merely sent a stack of historical charges and statements, which does not establish their legal right to collect this money. Furthermore, an agent from MRS BPO , LLC contacted me by phone. The agency intentionally spoofed their caller ID to display " XXXX XXXX '' to mislead me into believing I was speaking with my original bank.…

This dedt was charged off back in 2020 by XXXX XXXXXXXX. I have no agreement with this collection agency.

This complaint involves a debt collection account reported by MRS BPO , LLC on behalf of XXXX in the amount of approximately {$330.00} that I do not recognize. I have no record of opening or authorizing this account. I first became aware of it when reviewing my credit report. I requested validation of the debt, including proof that I opened or authorized the account, service address, and supporting account documentation. I have not received sufficient documentation proving I am responsible for this debt. The account continues to be reported on my credit file despite my dispute and request for validation.

I received two letters from a debt collection company MRS BPO LLC regarding a debt owed to XXXX XXXX which is fraudulent. XXXX would have been able to collect on any amount allegedly owed without sending anything to collections. Account has been checked and there are no outstanding balances with anyone totalling that amount. Nothing was agreed upon regarding making 2 payments as indicated in the letter. Also last 4 digits of alleged XXXX account do not match my account!

XXXX placed a matter into collections. The amount initially placed in collections was approximately {$1600.00}. For almost the past year I have been arguing that I only owe my final bill of approximately {$240.00}. Recently XXXX has agreed that I only owe the {$240.00}. I have requested that XXXX remove this matter from collections as it is ruining my credit score and I will gladly pay the {$240.00}. XXXX refuses to remove the matter from collections. I inquired with the collection agency if they will do a " pay and delete '' and they have advised that decision would be made by XXXX. I am requesting the CFPB 's assistance with this matter. The following information is the collection company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. Phone # XXXX. I am also providing the following contact information for the XXXX Executive Relations Team. I am being assisted by XXXX who can be reached at XXXX ext. XXXX. Thank you for your assistance in this matter.

I am writing to formally dispute the validity of the aforementioned debt currently being reported by MRS BPO , XXXX on my credit file. I recently reviewed my credit reports and discovered that your agency placed a collection tradeline on my account, resulting in a severe, immediate drop in my credit score ( 75 point ). Please note the following critical issues regarding this account : XXXX. FDCPA Notice Violation : I have never received a physical, written validation notice or initial debt disclosure letter from MRS BPO , XXXX regarding this {$250.00} balance. Bypassing the mandatory consumer notification process to report a collection directly to the credit bureaus violates my rights under the Fair Debt Collection Practices Act ( FDCPA ). XXXX. Creditor Obstruction / Artificial Default : This balance originates from an upgraded XXXX XXXX XXXX. When I cancelled my XXXX XXXX, I explicitly asked the representative how to return the hardware.…

On XX/XX/year>, MRS BPO , LLC sent me a debt collection notice regarding an alleged XXXX XXXX Bank credit card debt. The notice stated that if I disputed the debt in writing by XX/XX/year>, collection activity would cease until information showing that I owed the debt was provided. I timely disputed the debt and requested validation by certified mail. XXXX XXXX confirms that MRS BPO received and picked up my dispute on XX/XX/year>. After receiving my dispute, MRS BPO never provided any validation, verification, or supporting documentation regarding the alleged debt. I did not receive any response to my dispute. Instead, MRS BPO continued collection activity by sending another collection and settlement letter dated XX/XX/year> regarding the same alleged debt.…

XX/XX/year> {$960.00} capital one the capital to resolve the debt by XXXX percent it is the wrong amount i been over charge I dont owe this amounti want this XXXX XXXX company to cease & desist please

I dispute this collection account reported by MRS BPO. This account arises from a disputed Spectrum billing error involving a requested vacation/seasonal hold arrangement that XXXX representatives acknowledged was not properly applied to my account. Despite the acknowledged dispute with the original creditor, MRS BPO reported and/or attempted to collect the disputed balance, negatively impacting my credit and housing applications. I request that the account be marked as formally disputed, investigated, and removed/corrected if the reporting is inaccurate.

MRS BPO contacted me by text message regarding an alleged XXXX telecommunications debt in the amount of approximately {$530.00}. However, MRS BPO also sent a debt collection text message to my sisters phone number. My sister is not responsible for this alleged account, is not a co-signer, is not an authorized user, is not an account holder, and has no legal connection to this debt. The message sent to my sister identified MRS BPO as a collection agency and stated that my XXXX account was recently placed with us for collection. This disclosed or clearly implied private debt collection information about me to a third party. I did not give MRS BPO, XXXX, or any vendor permission to contact my sister or any family member about this alleged debt. I believe this was an improper third-party communication and a debt collection tactic that caused embarrassment, stress, and concern.…

I am a victim of identity theft, and I am filing this complaint against XXXX and the collection agency, MRS BPO, for extreme negligence. These companies need to be held responsible for their incompetent business practices. I have been a valued XXXX customer for several years, with my valid account based in Kentucky. Someone in Massachusetts contacted XXXX to open a landline account in my name. When XXXX typed my information into their system, my original, active account had to have been displayed on their screens. XXXX completely overrode that red flag, ignored the geographic discrepancy, and allowed the account to go through anyway. They are just as accountable for this as the person who scammed me. I immediately contacted XXXX, informed them of the identity theft, and they flagged the account as fraud. Despite knowing XXXX well it was fraud, XXXX went ahead with more incompetency and pushed it through to a debt collector, MRS BPO, just XXXX to XXXX weeks later.…

I HAD AN MONTH TO MONTH AGREEMENT WITH XXXX VIDEO FROM ABOUT XX/XX/XXXXXXXX TO XX/XX/XXXXXXXX PAYING {$170.00} PER MONTH VIA AUTOPAY. I WAS INFORMED THAT I HAD TO PAY THE INITAL MONTH UPFRONT. WHICH I PAID. I ENDED MY AGREEMENT IN XX/XX/XXXXXXXX I TURNED THE EQUIPMENT IN AND WAS INFORMED I WOULD NO LONGER BE BILLED. LATER THAT MONTH I {$170.00} WAS TAKEN VIA AUTOPAY. I CALLED REGARDING THE ADDTIONAL PAYMENT AND WAS INFORMED IT WAS A MISTAKE AND THAT I WOULD BE REFUNDED. 30 DAYS LATER {$110.00} WAS TAKEN. WHEN I CALLED XXXX THE REP ADVISED THEY REMOVED THE INTERNET CHARE BUT BILLED ME FOR THE VIDEO. I WAS INFORMED THE MATTER WOULD BE CLEANED UP AND THAT I WOULD BE REFUNDED. 27 DAYS PASSED WITH NO REFUND BUT I DID RECEIVE A REMINDER OF A UPCOMING AUTO PAY. I CONTACTED MY CARD HOLDER ( XXXX ) REGARDING MATTER. I ALSO FORWARDED THE RECEIPT FOR THE RETURNED EQUIPMENT. THE REP BLOCKED ANY FUTURE AUTOPAY.…

I have communicated with the company multiple times, requesting a clear and itemized explanation of the amount alleged to be owed. I was provided with a copy of the original lease agreement and never the full validation and itemization of the claim. The official website of the Consumer Financial Protection Bureau FAQs ask the question- What information is required to be in the validation notice from a debt collector about my debt? The XXXX item that is required says An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date. This was clearly missing and requested multiple times. On XX/XX/year> I was forced to make a formal request via certified mail for purposes of documentation. After waiting the recommended month for a response and hearing nothing I am left with no choice but to escalate the dispute with this complaint to the CFPB.

I am filing this complaint because XXXX sent an alleged debt to collections for funds I do not owe. An overseas hair company sent money to my XXXX account so I could purchase and review their product through XXXX. The payment was received in my XXXX account, but XXXX never released the funds to me. I did not withdraw, spend, or otherwise receive access to the money. Despite this, XXXX later claimed I owed the amount and sent the account to collections. I dispute this debt because the funds were never made available to me and I did not benefit from or retain the money. I have attempted to resolve this issue, but the debt remains reported and/or in collections.…

I am formally disputing this XXXX account because it was opened fraudulently using my personal information without my knowledge or authorization. At the time this account was created and used, I was incarcerated and physically unable to open, manage, install, or benefit from any XXXX services. It is impossible for me to have established this account while confined in jail. Someone unlawfully used my name, identity, and personal information to obtain services fraudulently. I never signed any agreement, authorized any services, or gave anyone permission to use my identity for this account. This fraudulent activity has caused damage to my credit and financial reputation. I am requesting a full investigation into this matter, including verification documents, signatures, IP records, installation records, and any identification used to open the account. I request that this account be immediately removed from my credit file and reported as identity theft.