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Valued Contributor
p-
Posts: 2,634
Registered: ‎06-05-2008
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Anyone have luck with BBB complaints?

Anyone have luck with BBB complaints?  Specifically in the removal of collections, or with Verizon home phone...  They are reporting me wrong, and I've tried everything to make them go away.  My only other option at this point is a lawsuit.  The complaint text is in my credit log; will it get me anywhere?

 

 

  8-12-14: FICO EXP: 797 - EQU: 734 - TRAN: 739 - AVG: 757 - +207 points from JUN 2008 - MY CREDIT JOURNAL

Valued Contributor
madmann26
Posts: 1,442
Registered: ‎08-30-2012
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Re: Anyone have luck with BBB complaints?

I've had some very good luck with the BBB.

Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 705|EQ 690|EXP 698 (FICO)
What's in my wallet? Cap1 PLAT AU $1.25k; Cap1 Cash AU $2k; NFCU Siggy $23k; $4k WalMart DC; CFNA Firestone $2.2k; Amazon $2.1k; NFCU Cash Rewards $22K; AMEX BCE $18k; NavCheck $15k; Lowe's $10k; Citi DP $6.3k; AMEX ED $8.5k; Chase Freedom $4.5k
Goal Score: 700 across the board.
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Shogun
Posts: 12,952
Registered: ‎04-15-2011
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Re: Anyone have luck with BBB complaints?

Not with Verizon, but I have had good outcomes.  My complaints were legitimate though.  I've seen a lot of failures with it, but it was because they had nothing to back up their complaints.


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Valued Contributor
p-
Posts: 2,634
Registered: ‎06-05-2008
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Re: Anyone have luck with BBB complaints?


madmann26 wrote:
I've had some very good luck with the BBB.

I saw some of your back-and-forth with PRA; what other BBB complaints have you had?  What was the process like, i.e. steps, timing, etc.?

  8-12-14: FICO EXP: 797 - EQU: 734 - TRAN: 739 - AVG: 757 - +207 points from JUN 2008 - MY CREDIT JOURNAL

Valued Contributor
madmann26
Posts: 1,442
Registered: ‎08-30-2012
0

Re: Anyone have luck with BBB complaints?

I'll have to go back and look but Enhanced Recovery was one. I filed the complaint on the lack of response to my GW request. Lol.

Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 705|EQ 690|EXP 698 (FICO)
What's in my wallet? Cap1 PLAT AU $1.25k; Cap1 Cash AU $2k; NFCU Siggy $23k; $4k WalMart DC; CFNA Firestone $2.2k; Amazon $2.1k; NFCU Cash Rewards $22K; AMEX BCE $18k; NavCheck $15k; Lowe's $10k; Citi DP $6.3k; AMEX ED $8.5k; Chase Freedom $4.5k
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Valued Contributor
p-
Posts: 2,634
Registered: ‎06-05-2008
0

Re: Anyone have luck with BBB complaints?


madmann26 wrote:
I'll have to go back and look but Enhanced Recovery was one. I filed the complaint on the lack of response to my GW request. Lol.

And that worked?  Wow, I'm suprised a CA even cares about the BBB's opinion of them, especially for something like that.  Maybe there is hope after all.

  8-12-14: FICO EXP: 797 - EQU: 734 - TRAN: 739 - AVG: 757 - +207 points from JUN 2008 - MY CREDIT JOURNAL

Mega Contributor
RobertEG
Posts: 18,211
Registered: ‎03-19-2007
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Re: Anyone have luck with BBB complaints?

[ Edited ]

In the pecking order of addressing issues over credit reporting, BBB complaints are not a part of the formal process, so their impact is solely dependent upon how the creditor/debt collector views their businsess reputation.

 

Any violation of either the FDCPA or FCRA is delegated under those statutes for admin review by way or complaint to the FTC.

If the violation relates to accuracy of credit reporting, the FCRA dispute process is available.

 

Since neifther of those processes provide a party to decide differences of facts, once exhausted, the final remedy is to get the issue before the court.

Valued Contributor
p-
Posts: 2,634
Registered: ‎06-05-2008
0

Re: Anyone have luck with BBB complaints?


RobertEG wrote:

In the pecking order of addressing issues over credit reporting, BBB complaints are not a part of the formal process, so their impact is solely dependent upon how the creditor/debt collector views their businsess reputation.

 

Any violation of either the FDCPA or FCRA is delegated under those statutes for admin review by way or complaint to the FTC.

If the violation relates to accuracy of credit reporting, the FCRA dispute process is available.

 

Since neifther of those processes provide a party to decide differences of facts, once exhausted, the final remedy is to get the issue before the court.


Food for thought.  I'm on the fence with regard to the courts in this case, as the effort v. benefit ratio isn't very favorable.  My hope is someone at a high enough level will see the information and agree to delete it for me.  Have complaints to the FTC been fruitful?

  8-12-14: FICO EXP: 797 - EQU: 734 - TRAN: 739 - AVG: 757 - +207 points from JUN 2008 - MY CREDIT JOURNAL

Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

Re: Anyone have luck with BBB complaints?

I've filed complaints with the FTC before but wasn't expecting results for me.  They don't handle individual complaints, when they get so many, then they investigate and fine if need be.


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Valued Contributor
p-
Posts: 2,634
Registered: ‎06-05-2008
0

Re: Anyone have luck with BBB complaints?


Shogun wrote:

I've filed complaints with the FTC before but wasn't expecting results for me.  They don't handle individual complaints, when they get so many, then they investigate and fine if need be.


Ah...

  8-12-14: FICO EXP: 797 - EQU: 734 - TRAN: 739 - AVG: 757 - +207 points from JUN 2008 - MY CREDIT JOURNAL


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