Consumer complaint received 2023-08-30
Company: MRS BPO, LLC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I had gotten contacted around XXXX about a debt I did not recognize and sent a debt validation letter that was never responded to. In XXXX I got contacted about the same debt from XXXX XXXX  out of XXXX XXXX XXXX CA. I did the same and never heard back. 

Over the past week, I've been receiving calls from Random numbers leaving a voicemail about a time-sensitive matter and stating they were from " MRS ''. I had to assume this meant MRS BPO. Rather than answer unknown numbers, I called up MRS at ( XXXX ) XXXX. They said they had some accounts under my number but didn't match my personal information to any of them. They then transferred me to some department where I was on hold until the call dropped. 

I tried to use the self-service portal at https : //portal.mrsbpo.com/verify-identity but none of the details match to show me anything. 

Today was the first day I answered a call and got a live agent. They said they worked for MRS and confirmed my personal details. They said it was in reference to what sounds like the same debt from years before. 

I asked them for an account/case number, which they hesitantly gave me. I then asked what address they had for me. The address was very old. I then said I no longer want calls and to handle everything by mail. I asked for their address to send a debt validation letter. I also offered to confirm my current address so they could send anything they want via mail. 

The agent then said " that's okay. My client will be pursuing this matter in civil court and hung up. '' I went back to the MRS portal to try the account number to see if that worked and not only did it not, but it appears to be the wrong alpha-numerical format. 

I tried contacting MRS again direct with the same result. At this point, I have no idea what to do. I want to send a debt validation letter, but I am not confident I'd have the information to include in it. 

I also contacted other debt collection companies with MRS like MRS Associates who say they don't leave voicemails and refused to do any kind of lookup. 

At this point, all I have is some random account numbers and people calling claiming I owe some debt from way over 10 years ago but won't give me the information I need to validate the debt or even ensure they can get me anything by mail. I can't even trust these people calling are from MRS or what to do since their information on me seems to be out of sync and MRS seems unable to connect me with anyone. 

Based off experience, even if I do confirm these details and send the debt validation letter ( which I am confident will receive no reply based off the fact I don't recognize this debt and it's been a pattern ) I also think it's highly likely MRS wilXXXX sell whatever sparse information they have to another collector and I'll get more random voicemails and threats.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief