Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: NJ

Complaint narrative:
In XXXX of XXXX I had moved out of the residence associated with this XXXX XXXX internet account. During my tenure at this address, a portion of my rent came from being responsible for and providing internet and WiFi to the home. Upon moving, the homeowner of said residence and I called XXXX wireless together in attempt to transfer ownership of the account into her name. At that time, we were advised the account ownership had been completed and that I was no longer responsible for the account. Furthermore, my debit card was removed from Autopay on this account and the homeowners method of payment was added showing intent and understanding that she was now the account owner and financially responsible for the account from XX/XX/XXXXXXXX  onward. Whats more, in XXXX of XXXX, the homeowner now under the impression that it is her account, attempted to access the account but was denied. Again showing intent and understanding that she was the owner of the account. Months down the line, when I am no longer living at this residence, I keep receiving bill payment text messages and payments due notifications. The homeowner was behind on payments and I was wondering why I kept getting text messages in regard to this account that I was told in XXXX of XXXX  was out of my name. So, in the fall of XXXX we call XXXX again to understand what is going on and we were advised that in XXXX of XXXX, the transfer of ownership did NOT occur and the homeowner was merely added as a member of the account that still had my name as primary account holder. We were also advised that this account had a past due amount of {$200.00} because she was not receiving any notifications about payments due and I was instead. At this time, we demanded my name be removed and the account be in her name alone. XXXX then closed the account that had my name as primary ( which we believed to have been closed in XX/XX/XXXXXXXX  ) and opened a new account in her name without advising that the account closed in my name maintained a debt of {$200.00}. We had explained this account has been hers for over 6 months and all past due charges were her responsibility because they were accrued after I had left the house. However, XXXX maintained the debt in my account and I was unaware of this debt until XXXX of XXXX  when I had received a text message from a collections company advising me of this delinquency. The debt was paid immediately, however the damage to my credit had already been done due to XXXX lack of competence in transferring ownership when we had originally requested in XXXX of XXXX. I had called XXXX prior to any credit disputes to request an accommodation for this misunderstanding and that it was not a neglect to pay on my part, however they did not care and are choosing to punish me and ruin my credit over this mistake on their customer services part. In short, they did not honor our request to transfer ownership but stated that they had. I kept receiving the notifications of payments due and the homeowner was not. The homeowner was not making payments due to this error and a balance continued to increase. We called again to confirm this transfer of ownership with the homeowner to assume all past due charges. XXXX kept the past due balance on my closed account and never advised of this until it became delinquent and now my credit is taking a large negative hit. I have never missed a payment of any loan or account on my credit in my life. My credit score was well above XXXX prior to this nightmare and XXXX does not care that it was a misunderstanding and not a willful neglect to pay and is choosing to punish my blemish free credit history because of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation