Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:10/22/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Account# ******* I am writing to address discrepancies identified on my credit reports from Equifax, Transunion, and Experian. It appears that your company, Advenir at Flowery Branch, has disseminated my personal information without my explicit consent, thereby violating several legislative provisions.As specified in 15 USC 1682(c)(b), unless there's prior consent from the consumer directly given to the debt collector, express permission from a court of competent jurisdiction, or a justifiable reason to enforce a post-judgment judicial remedy, a debt collector cannot communicate, in relation to any debt collection, with anyone other than the consumer. This encompasses all communications, including those with Experian, Transunion, and Equifax.Given your company's financial dealings, Advenir, is categorized as a financial institution under 1843(k) of title 12. As such, you are also in breach of 15 USC ****.Per 15 USC ****, you are legally obligated to provide three disclosures. I have scrutinized all documents received from your institution and found none of them to contain the required disclosures as per 15 USC ****(b). (b)OPT OUT:(1)IN GENERAL, a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless (A) said institution overtly and transparently informs the consumer, either in writing, electronic format, or any other form sanctioned under section **** of this title, of the potential disclosure to such third party; (B) the consumer is afforded the opportunity, prior to any initial disclosure, to instruct that such information not be shared with that third party; and (C) the consumer receives clarification on how they can exercise this nondisclosure choice.Given these violations, I request the removal of my personal information from Experian, Equifax, and Transunion. This letter is neither a denial of payment nor a validation request for the debt. Instead a final notice of your company's error.

  Business Response

  Date: 10/30/2023

  Please see attached documents requested. 

  Customer Answer

  Date: 11/02/2023

   
  Complaint: 20766008
  
  I am rejecting this response because: Unfortunately the information provided does not address the complaint initially filed against the company. I never asked why the balance was where it was, but instead brought to the company's attention that there were no disclosure forms provided in order for me to opt out of having any of my personal information provided to any unaffiliated 3rd party companies such as the 3 Credit bureaus mentioned earlier.

  This is not an attempt to escape the obligation of debt owed to you, but to instead make you aware of where your company was in error and I would like that to be addressed directly. Providing the agreement does not provide any remedy or address any of claims made with your company. I would like this account (now in collections) to be dealt with myself directly and to be removed from my consumer profile. All communication should be between the said company and myself privately from this day forth. 

  If the company will not address the initial complaint i would like all reports deleted from all CRAs.

  1. As specified in 15 USC 1682(c)(b), unless there's prior consent from the consumer directly given to the debt collector, express permission from a court of competent jurisdiction, or a justifiable reason to enforce a post-judgment judicial remedy, a debt collector cannot communicate, in relation to any debt collection, with anyone other than the consumer. This encompasses all communications, including those with Experian, Transunion, and Equifax. 

  2. 15 USC ****, you are legally obligated to provide three disclosures. I have scrutinized all documents received from your institution and found none of them to contain the required disclosures as per 15 USC ****(b). (b)OPT OUT: (1)IN GENERAL, a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless (A) said institution overtly and transparently informs the consumer, either in writing, electronic format, or any other form sanctioned under section **** of this title, of the potential disclosure to such third party; (B) the consumer is afforded the opportunity, prior to any initial disclosure, to instruct that such information not be shared with that third party; and (C) the consumer receives clarification on how they can exercise this nondisclosure choice.

   

  thank you

  
  Sincerely,
  
  *************************** ******

  Business Response

  Date: 11/16/2023

  Regarding privacy and disclosures, you can see that on the fully executed contract (Lease Agreement) we explain in detail under paragraph 27 Privacy, Disclosure and Consent in detail.  

  Please review and advise. 

  
  You can reach ***************************** (Property Manager)  at ************. 

  Thank you.