ComplaintsforCardWorks Servicing LLC

Credit Cards and Plans

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Initial Complaint
11/06/2024
Complaint Type:
Service or Repair 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.
Marrick Credit card company sold my credit card debt to CWS/CW Nexus. I do not owe anything to Nexus. They never provided me with any paperwork proving I owed them money. They have this debt on my credit report. I want this removed as I do not owe them any monies whatsoever.
Business response
11/13/2024
We are in receipt of your correspondence dated November ******, regarding the above referenced account for our customer ****** K.*******.

Our records indicate that the customer's account was opened with ******************* using an electronic application and subsequently used for purchases. Due to non-payment, the account charged off with an outstanding balance. We have no record of a previous request for debt validation.

At charge-off, CW Nexus Credit ******************* became the owner of the account and ********************, LLC, was contracted to collect on the outstanding balance. The customer's ********************** agreement authorizes ******************* to sell the account or transfer the rights to collect on the account at any time. In using their ******* account for purchases, the customer agreed to abide by these terms. As such, the balance remains owed to CW Nexus Credit ******************* under the terms of the customer's existing agreement.

The Fair Credit Reporting Act (FCRA) requires that, as a furnisher of information to consumer reporting agencies, we report accurate information regarding a consumers account history. We have reviewed the account and determined that the information reported was complete and accurate as of the date(s) we furnished it. As such, in the absence of additional facts,we will not change the reporting of the account to the ********************** reporting agencies.

A letter with additional details was sent directly to ****** ** *******, along with account documents.

Thank you for the opportunity to respond.
CW Nexus Credit ********************, as administrator
Customer Service Department
Initial Complaint
10/15/2024
Complaint Type:
Sales and Advertising 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.
********** Im not liable debt It has come to my attention that you have illegally reported my personal information to unaffiliated third parties without providing the required disclosures. Pursuant to 15 U.S. Code 6802, you are legally required to provide me with three specific disclosures. After thoroughly reviewing all documents provided by your institution, I have found that none of these documents contained the necessary disclosures as mandated by 15 U.S. Code 6802(b).I have identified inaccuracies in the accounts listed on my ********************** report. This agency is in violation of 15 U.S. Code 1681i. According to 15 U.S. Code 1681i:(5) Treatment of Inaccurate or Unverifiable Information:"Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate."
Business response
10/29/2024
We are in receipt of your correspondence dated October *******, regarding the above referenced account for our customer Rowney *. *****.
Our records indicate that the customer's account was opened with ******************* and used for purchases. Due to non-payment, the account charged off with an outstanding balance. Subsequently, CW Nexus Credit ******************* became the owner of the account. The customer's ********************** agreement authorizes us to report information regarding the account to ********************** bureaus. In using the account for purchases, the customer agreed to abide by these terms.
The Fair Credit Reporting Act (FCRA) requires that, as a furnisher of information to consumer reporting agencies, we report accurate information regarding a consumers account history. We have reviewed the account and determined that the information reported was complete and accurate as of the date(s) we furnished it. As such, in the absence of additional facts,we will not change the reporting of the account to the ********************** reporting agencies.
Thank you for the opportunity to respond.

** ***** ****** ********************* ** ************* ******** ******* **********
Initial Complaint
07/08/2024
Complaint Type:
Order 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 CardWorks Servicing. I do not have a contract with CardWorks Servicing, they did not provide me with the original contract as I requested.
Business response
07/18/2024
We are in receipt of your correspondence dated July 3, 2024,which was received on July 8, 2024, regarding the above reference account for our ********************** **********************************.
Our records indicate that the customers account was opened with ******* Bank with an electronic application. In accordance with the Electronic Signatures in Global and National Commerce (E-SIGN) Act, an electronically submitted signature, contract or other record relating to such transaction is valid and enforceable and may not be denied legal validity solely because an electronic signature or electronic record was used in its formation.

Subsequently, the account was used for purchases. Due to non-payment, the account charged off with an outstanding balance. At charge-off, CW Nexus Credit ************* Trust I became the owner of the account. As no further payments were received, the balance remains the same.Please note, we have no record of prior correspondence requesting a copy of the application.

We received the customer's Automated ********************** Dispute Verification (ACDVs) forms filed through the Consumer ****************** (CRAs)claiming identity theft and disputing the reporting of the account. In each instance, the account was reviewed. Based on the results of our investigation,the identity theft claims were denied as the account information matches their personal details. As such, responses were provided directly to the CRAs confirming that the account is reporting accurately.

The Fair Credit Reporting Act (FCRA) requires that, as a furnisher of information to consumer reporting agencies, we report accurate information regarding a consumers account history. We have reviewed the account and determined that the information reported was complete and accurate as of the date(s) we furnished it. As such, in the absence of additional facts,we will not change the reporting of the account to the ********************** reporting agencies.

A letter with additional details and validation documents was sent directly to **********************************. We hope to have been of assistance to you and appreciate the opportunity to respond.

Sincerely,

CW Nexus Credit ************* I, LLC, as administrator

Customer Service Department
Initial Complaint
06/20/2024
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.
Requesting a Settelement letter of ******. Requring a Balance Statement Letter at $0. The 3rd party that maintained a Credit Card file belonging to CW Nexus / CC Holdings has made many attempts to receive a payoff letter / statement letter of $0 Balance and we have received no response or contact after numerous emails. All phone numbers associates with the business canot be accessed by the public.Please see payoff Receipt for That **** and ****** has accepted $600 from me.We are simply requesting on letterhead a:1. ) $0 Balance Report on CC Holdings Letter Head.2.) Account# **************** Please see all requirements to be placed on the documents below:1. ) Creditor Name / Logo / Letterhead: (CC Holdings)2. ) Partial / Full Account Number (Matching the ********************** Report): xxxxxxxx******** 3. ) Current Date (within 30 Days)4. ) Borrower Full Name: ************************************* 5. ) The New Current Balance at $0 : $0 3rd Party Comapny maintaining the file is:**** and ****** ****************************************************** Manager ************ **************
Business response
07/08/2024
We are in receipt of your correspondence dated June 20,2024, regarding the complaint filed with your office by ********************************.

CW Nexus Credit ************* Trust does not support open email communication with our customers. We have no record of recent inbound calls regarding this account.

Our records indicate that the customer's account was opened with ******* Bank with an electronic application. Subsequently, the account was used for purchases. Due to non-payment, the account charged off with an outstanding balance. At charge-off, CW Nexus Credit ************* Trust became the owner of the account. We have no record of an account in the customer's name ending in the last four numbers indicated in their complaint.

Subsequently, the customer accepted a settlement arrangement with our collection agency **** and Kirilin to pay a portion of the balance. We received their payments, which satisfied the settlement. As such, **** and Kirilin issued a settlement letter to the address on file and the account was accurately updated to Settled for less than the Full Balance, was a Charge Off.

A letter with additional details was sent directly to ********************************.

Thank you for the opportunity to respond.

CW Nexus Credit ************* I, LLC, as administrator

Customer ******************
Initial Complaint
05/28/2024
Complaint Type:
Service or Repair 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.
On February 16, 2024 I sent a certified debt validation letter to CW NEXUS CREDIT CARD through the United ********************** Under the Fair Debt collection Practices Act (FDCPA), I have the right to request validation of the debt CW NEXUS CREDIT CARD says I owe. I requested proof that I am indeed the party they are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. According to the tracking number attached to the certified letter, CW NEXUS CREDIT CARD received the Debt Validation letter on February 20, 2024. I never received a response from CW NEXUS CREDIT CARD after they received my debt validation letter. On April 2, 2024 I sent another certified letter through **** because CW NEXUS CREDIT CARD failed to respond. I never received a response from CW NEXUS CREDIT CARD regarding the second letter.I request that CW NEXUS CREDIT CARD immediately remove the inaccurate account from my ********************** report, and provide me with documentation to support their reporting if they claim the account is accurate.
Business response
06/17/2024
We are in receipt of your correspondence dated May 26, 2024,which was received on May 28, 2024, regarding the above-referenced account for our ********************** ******************************.
Our records indicate that the customer's account was opened with ******* Bank with an electronic application. In accordance with the Electronic Signatures in Global and National Commerce (E-SIGN) Act, an electronically submitted signature, contract or other record relating to such transaction is valid and enforceable and may not be denied legal validity solely because an electronic signature or electronic record was used in its formation.

Subsequently, the account was used for purchases. Due to non-payment, the account charged off with an outstanding balance. At charge-off, CW Nexus Credit ************* Trust became the owner of the account. As no further payments were received, the balance remains the same.

We received Automated Consumer Dispute Verification (ACDVs)forms filed through the Consumer ****************** (CRAs) disputing the reporting of the account. In each instance, the account was reviewed and responses were provided directly to the CRAs confirming that the account is reporting accurately.

We additionally received the customer's previous correspondence disputing the reporting of the account. Responses validating the debt were twice issued to their address of record. We confirmed that the information and documentation we provided was accurate and sufficient to validate the debt owed.

The Fair Credit Reporting Act (FCRA) requires that, as a furnisher of information to consumer reporting agencies, we report accurate information regarding a consumers account history. We have reviewed the account and determined that the information reported was complete and accurate as of the date(s) we furnished it. As such, in the absence of additional facts,we will not change the reporting of the account to the ********************** reporting agencies.

A letter with additional details and validation documents was sent directly to ****************************. We hope we have been of assistance to you and appreciate the opportunity to respond.

Sincerely,

CW Nexus Credit ************* I, LLC, as administrator

Customer Service Department
Initial Complaint
05/14/2024
Complaint Type:
Order 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.
Iam not reliable for the debt with CW Nexus. They have not provided me with the original copy as requested. In addition, as per The Fair Credit Reporting Act, Public law ******, Title VI, Section 611, Subsection A-D, 15 us code 1681e(b) Compliance Procedures Maximum Possible Accuracy ?. I demand tangible evidence that the information was verified, not a computer-generated confirmation. Please provide the following: 1. The names and business addresses of each individual you verified the information with, so that I can follow up. 2. The date you contacted the individual information furnishers. 3. The method of communication you used to verify the information. I also want to know if the furnishers provided you with my SSN, address, or DOB. Please send me an updated credit report once you have completed the investigation and made the necessary corrections. Your cooperation and prompt attention are legally required.??
Business response
05/24/2024
We are in receipt of your correspondence dated May 14, 2024,regarding the above-referenced account for our ********************** *****************************.

Our records indicate that the account was opened with ******* Bank with an electronic application. The application does not include a handwritten signature. In accordance with the Electronic Signatures in Global and National Commerce (ESIGN) Act, an electronically submitted signature,contract or other record relating to such transaction is valid and enforceable and may not be denied legal validity solely because an electronic signature or electronic record was used in its formation.

Subsequently, the account was used for purchases. Due to non-payment, the account charged off with an outstanding balance. At charge-off, CW Nexus Credit ************* Trust I became the owner of the account.

We received the customer's Automated ********************** Dispute Verification (ACDVs) forms filed through the Consumer ****************** (CRAs)claiming identity theft and disputing the reporting of the account. In each instance, the account was reviewed. Based on the results of our investigation,the identity theft claims were denied as the account information matches their personal details, which includes their name, date of birth, social security number, address on file, address on the application, email address, and phone number. As such, responses were provided directly to the CRAs confirming that the account is reporting accurately. We have no record of previous direct correspondence disputing the reporting of the account or requesting debt validation.

Upon receipt of the customer's complaint, we conducted an additional investigation regarding their claim of identity theft. We subsequently sent a letter to the customer's address on file advising that their claim was again denied based on the above outlined investigation. An additional response was mailed to the customer to provide debt validation documents.

The Fair Credit Reporting Act (FCRA) requires that, as a furnisher of information to consumer reporting agencies, we report accurate information regarding a consumers account history. We have reviewed the account and determined that the information reported was complete and accurate as of the date(s) we furnished it. As such, in the absence of additional facts,we will not change the reporting of the account to the ********************** reporting agencies.

Thank you for the opportunity to respond.
** ***** ****** ************* ** **** ** ************* ******** ******************
Initial Complaint
05/01/2024
Complaint Type:
Product 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 paid this collection agency in full on Saturday April 27, 2024. I asked for confirmation of payment Monday 04/29/24 and they said they will send to my email, they verified my email and said to keep eye on my junk folder and can take up to 72 hours. I called yesterday and they said the same thing as before. I called today and they said it was sent and I didnt receive it and that they requested it again and can take another 72 hours. But they will see if it can be expedited. Why are they so quick to take my money and profit from it but cannot send a simple email.
Business response
05/20/2024
We are in receipt of your correspondence regarding the complaint filed with your office by ***********************.

Our records indicate that this account charged off due to non-payment and was placed with Carson Smithfield, LLC, a third party collection agency for servicing. The customer subsequently submitted a payment which paid the balance in full.

The customer contacted us to request written confirmation that the account had been paid in full and to provide their email address. The representative added the email address to the account; however, they did not allow ample time for this update to be processed before requesting the paid in full letter. As a result, the letter was issued via mail instead of email, as requested. We sincerely apologize for the inconvenience that this caused the customer.

We have issued the paid in full letter to the customers email address, and a separate response was also provided to the customer with a copy of the mailed letter.

We hope we have been of assistance and appreciate the opportunity to respond.

Sincerely,
****** **********
Customer Service
Initial Complaint
04/02/2024
Complaint Type:
Order 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'm not liable for this debt with Carson Smithfield, llc ,I did not hove a contract with Carson Smithfield llc,they did not provide me with the original contract as i requested
Business response
04/11/2024
We are in receipt of the complaint (#********) filed with your office by ***************************.

Our records indicate that the customer's account was opened with ******************* with an electronic application. Subsequently, the account was used for purchases. Due to non-payment, the account charged off and Carson Smithfield, LLC, was contracted to collect on the outstanding balance. However,******************* remains the owner of the account. We have no record of previous correspondence, as indicated in the customer's complaint.

******************** is not a creditor and is not responsible for the reporting of the account to the ********************** ******************* We recommend that any credit reporting inquiries be directed to *******************.

Sincerely,

Carson Smithfield
Customer Service
Initial Complaint
03/26/2024
Complaint Type:
Customer Service Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I am not liable for this debt with charter communications, I do not have a contract with Carson and Smithfield agency, they did not provide me with the original contract as i requested.
Customer response
03/26/2024
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 and the matter has been resolved.

Sincerely,

*********************
Initial Complaint
02/09/2024
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.
Date of transaction 11-7-2023 Amount paid $65.14 When calling this collection agency they just argues with me. They've reported to the credit bureaus after the account was paid in full. I sent copies of my deposited checks front and back to them and they still are trying to make me pay the balance again. Acct# ****************
Business response
02/28/2024
We are in receipt of your letter regarding the complaint (#********) filed with your office by ***********************.

This OpenSky credit card account, which is a product of ************* was opened and used for purchases, and charged off with an outstanding balance. Following charge off, several payments were received,which were applied to the account. However, the balance has not been paid in full. The customer previously provided images via mail of cashed payments. The account was reviewed, and it was confirmed that all payments documented in their letter had already been applied to the balance.

The customer contacted us by phone on several occasions and was accurately advised that the balance is correct and has not been paid in full. While we regret any dissatisfaction that the customer experienced, we have no record of unprofessional conduct by our representatives.

If the customer believes that they have made additional payments towards the balance that were not credited, we request that they please submit proof of those payments, e.g., a legible copy of the front and back of the canceled check(s)/money order, so that the matter can be investigated.

Please be advised that Carson Smithfield, LLC, is a third-party collection agency contracted by the creditor to collect on the balance. Carson Smithfield, LLC, is not a creditor and is not responsible for the reporting of the account to the ********************** ******************* We recommend that any credit reporting inquiries be directed to **************************************************************************

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