Quick Answer: MRS BPO, LLC is a debt collection agency and debt buyer based in Cherry Hill, New Jersey. They collect debts for financial services companies, government agencies, telecoms, utilities, and private student loan lenders. Their main phone number is (888) 334-5677 and their BBB-listed number is (800) 716-6429. The CFPB has received 500+ complaints, the BBB has received 478+ complaints with a 1.0/5 star rating, and a landmark Third Circuit case (DiNaples v. MRS BPO, 2019) ruled that a QR code on a collection envelope that revealed the consumer’s account number violated the FDCPA.
If MRS BPO is in your call log: A call from a debt collector is a business communication, not a crisis. MRS BPO operates as both a third-party collector and a debt buyer — meaning they may be collecting on behalf of a creditor OR they may have purchased your debt outright. You have specific federal rights under the FDCPA. This page gives you the information to respond from a position of knowledge, not panic.
| Company Detail | Information |
|---|---|
| Company Name | MRS BPO, LLC |
| Type | Third-party debt collector and debt buyer (hybrid) |
| Headquartered | Cherry Hill, New Jersey |
| Founded | 1991 |
| Leadership | Co-CEOs Saul Freedman & Jeff Freedman |
| Primary Industries | Financial services, government, private student loans, fintech, telecom, utilities, retail |
| Primary Phone | (888) 334-5677 |
| BBB Contact | (800) 716-6429 |
| BBB Rating | B (accredited since Nov 2021); 478+ complaints; 1.0/5 stars |
| CFPB Complaints | 500+ complaints filed |
| Federal Court Cases | DiNaples v. MRS BPO (3d Cir. 2019, 934 F.3d 226) — QR code on envelope violated FDCPA |
| Governed By | Fair Debt Collection Practices Act (FDCPA) |
MRS BPO is a debt collection agency that both collects debts for other companies and buys debts outright — if they’re contacting you, it could be either situation, and knowing which one matters.
What makes MRS BPO notable among debt collectors is their hybrid model: they operate as both a traditional third-party collector and a debt purchaser. They also have one of the more significant FDCPA cases in recent years — a Third Circuit ruling that a QR code on a collection envelope violated federal privacy protections. With 500+ CFPB complaints, 478+ BBB complaints, and a 1.0/5 star BBB rating despite accreditation, consumer satisfaction is clearly an issue.
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Who Is MRS BPO?
MRS BPO, LLC is a debt collection agency headquartered in Cherry Hill, New Jersey, with additional operations in Marlton, New Jersey. Founded in 1991 by brothers Saul and Jeff Freedman (who serve as co-CEOs), MRS BPO operates as both a third-party debt collector and a debt buyer. Their clients span financial services companies, government agencies, private student loan lenders, fintech companies, telecommunications providers, utilities, and retailers. With 370+ lawsuits filed against them across 30+ states, they are among the most-sued debt collectors in the country.
MRS BPO Phone Numbers
MRS BPO uses several phone numbers to contact consumers. If you received a call from any of the numbers below, it was likely MRS BPO.
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| Phone Number | Reported Use | Consumer Reports |
|---|---|---|
| (888) 334-5677 | Main collections line | Source: company website, consumer reports |
| (800) 716-6429 | BBB-listed contact number | Source: BBB profile |
| (866) 809-1062 | Outbound collections | Source: consumer complaint reports |
| (845) 285-9863 | SMS/text message collections (Spectrum accounts) | Source: consumer reports, complaint filings |
Note: Consumers report MRS BPO uses additional local area code numbers, including numbers that spoof local area codes. If you receive a call about a debt from an unfamiliar number, ask for the company name and call back on their published line to verify.
Why Is MRS BPO Calling You?
- A financial services debt — MRS BPO collects for banks, credit card companies, and fintech lenders. Your account may have been placed with them after falling behind on payments.
- A government debt — MRS BPO holds contracts to collect debts owed to government agencies, including tax debts and overpayments.
- A private student loan — unlike federal student loans (which have their own collection process), private student loans can be placed with third-party collectors like MRS BPO.
- A telecom, utility, or cable bill — unpaid Spectrum, utility, and wireless bills are commonly placed with MRS BPO for collection.
- A purchased debt — MRS BPO also buys debts outright. If they purchased your account, they own it and are the company you’d negotiate with. Ask them directly: “Are you collecting on behalf of a creditor, or did you purchase this debt?”
A call from a debt collector is not proof you owe anything. It’s an opening position. Treat it like one.
What Consumer Complaints Reveal About MRS BPO
The CFPB has received 500+ complaints about MRS BPO. The BBB has received 478+ complaints with an average consumer rating of 1.0 out of 5 stars despite being BBB-accredited with a B rating. The most common issues:
Search MRS BPO complaints in the CFPB database →
Read Consumer Complaint Themes (from CFPB and BBB filings)
“MRS BPO is trying to collect on an account I already paid in full to the original creditor. I’ve sent them proof of payment multiple times but they continue to call and have placed the debt on my credit report.”
“MRS BPO calls me multiple times per day, sometimes from different numbers. When I answer, the representatives are aggressive and dismissive when I try to dispute the debt. I’ve asked them to stop calling but they continue.”
“I received a letter from MRS BPO about a debt I don’t recognize. When I requested validation, they sent a letter with just a balance amount and creditor name but no account number, dates, or documentation proving I owe this debt.”
“A representative from MRS BPO implied they were calling from a legal department and that I could face legal action if I didn’t pay immediately. They used intimidating language and didn’t clearly identify themselves as a debt collector at the beginning of the call.”
Sources: CFPB Consumer Complaint Database and Better Business Bureau. Complaint themes are representative of filed reports. Personal information redacted.
MRS BPO in Federal Court
MRS BPO has been named in 370+ lawsuits across 30+ states, primarily alleging FDCPA violations. Their landmark Third Circuit case set an important precedent about privacy protections on collection envelopes.
DiNaples v. MRS BPO, LLC (3d Cir. 2019, 934 F.3d 226): MRS BPO sent a collection letter in a windowed envelope that included a QR code. When scanned, the QR code revealed the consumer’s account number. The Third Circuit ruled this violated FDCPA §1692f(8), which prohibits displaying any information on an envelope other than the collector’s address. Judge Chagares wrote there was “no material difference between disclosing account number directly and via QR code.” The class action settled for $11,000.
- Rossiter v. MRS BPO, LLC (2017) — Class action alleging FDCPA violations in MRS BPO’s collection communications.
- Brown v. MRS BPO, LLC (N.D. Illinois) — Consumer alleged MRS BPO spoofed local area codes when calling. The court granted summary judgment to MRS BPO, finding insufficient evidence that local number use constituted a deceptive practice under the FDCPA.
Court records are sourced from CourtListener and ClassAction.org.
What this means for you: The DiNaples ruling confirms that debt collectors cannot use technology tricks to expose your personal information on the outside of envelopes. If any MRS BPO correspondence reveals account details through QR codes, barcodes, or other encoded information visible on the envelope, that may be an FDCPA violation. With 370+ lawsuits across 30+ states, MRS BPO has extensive litigation exposure — which means consumers do successfully challenge their practices.
What To Do If MRS BPO Is Calling You
- Find out whether MRS BPO is collecting or owns the debt. Ask directly: “Are you collecting on behalf of another company, or did you purchase this debt?” If they own it, they’re the company you’d negotiate with. If they’re collecting for someone else, the original creditor still controls the account. This affects your negotiation strategy.
- Request a debt validation notice in writing. MRS BPO is legally required to send you a written notice within 5 days of first contact. If they haven’t, demand one. You then have 30 days to dispute the debt in writing. Ask for the original creditor, account number, and documentation proving you owe this debt. MRS BPO’s third-most-common complaint is failure to provide adequate validation.
- Check your state’s statute of limitations. If the debt is old enough, they can no longer sue you to collect. Check your state here.
- Examine any mail from MRS BPO carefully. Following the DiNaples ruling, check whether any MRS BPO correspondence reveals your account information through QR codes, barcodes, or other encoded data on the envelope exterior. If it does, document it — that may be an FDCPA violation.
- Send a cease-and-desist if you want calls to stop. A written request by certified mail legally requires them to stop contacting you (except to confirm receipt or advise of legal action).
- Document everything. Date, time, what they said, which number called. If they violate the FDCPA, each violation can be worth up to $1,000 plus attorney fees in federal court.
For the complete guide: Your Rights When a Debt Collector Calls.
Your FDCPA rights in brief: MRS BPO must stop all contact if you send a written cease request by certified mail. You can demand written debt verification within 30 days of first contact. They cannot threaten legal action they don’t intend to take, impersonate attorneys, or reveal your debt to third parties. FDCPA violations can be sued in federal court for up to $1,000 plus attorney fees. Full rights breakdown here.
Key Takeaways
- MRS BPO is a hybrid debt collector and debt buyer based in Cherry Hill, New Jersey, founded 1991
- Collects for financial services, government, private student loans, fintech, telecoms, utilities
- Phone: (888) 334-5677 (main), (800) 716-6429 (BBB contact)
- 500+ CFPB complaints, 478+ BBB complaints, 1.0/5 stars, B BBB rating
- 370+ lawsuits across 30+ states
- Landmark case: DiNaples v. MRS BPO (3d Cir. 2019) — QR code on envelope violated FDCPA
- Ask whether they’re collecting for someone else or own your debt — it changes your options
Free Tool — Debt Collector Rights Lookup: Being contacted by a debt collector? The free Debt Collector Rights Lookup shows your state-specific protections — statute of limitations, garnishment limits, and what collectors are legally prohibited from doing. Look Up Your Rights →
Frequently Asked Questions About MRS BPO
Free Tool — Statute of Limitations Checker: Dealing with old debt? The free Statute of Limitations Checker tells you if the collection clock has expired in your state — including the zombie debt and clock-restarting traps collectors use. Check My Status →
Who is MRS BPO?
MRS BPO, LLC is a debt collection agency headquartered in Cherry Hill, New Jersey, founded in 1991 by Saul and Jeff Freedman. They operate as both a third-party debt collector and a debt buyer, serving clients in financial services, government, private student loans, fintech, telecommunications, utilities, and retail. They have 500+ CFPB complaints, 478+ BBB complaints, and have been named in 370+ lawsuits across 30+ states.
Is MRS BPO a scam?
MRS BPO is a licensed, BBB-accredited debt collection agency, not a scam. However, their 1.0 out of 5 BBB star rating, 500+ CFPB complaints, and 370+ federal lawsuits indicate significant consumer issues. If MRS BPO contacts you, verify the debt in writing before paying anything.
Does MRS BPO buy debt or just collect it?
Both. MRS BPO operates as a hybrid — they collect debts on behalf of creditors AND purchase debts outright. If they purchased your debt, they own it and are the company you’d negotiate with directly. If they’re collecting on behalf of a creditor, the original company still controls the account. Ask MRS BPO directly which situation applies to you.
What was the QR code case against MRS BPO?
In DiNaples v. MRS BPO (3d Cir. 2019), the Third Circuit ruled that a QR code on an MRS BPO collection envelope that, when scanned, revealed the consumer’s account number violated FDCPA §1692f(8). The court found there was “no material difference between disclosing account number directly and via QR code.” This ruling means debt collectors cannot use encoded technology to expose consumer information on envelopes.
How do I stop MRS BPO from calling?
Send a written cease-and-desist letter by certified mail to MRS BPO, LLC, 1930 Olney Avenue, Suite 400, Cherry Hill, NJ 08003. Under the FDCPA, they must stop calling after receiving your request. Keep your letter and certified mail receipt as proof. If they continue calling after your cease letter, each additional call may be an FDCPA violation.
Can MRS BPO sue me?
Yes. If MRS BPO owns the debt (as a debt buyer), they have standing to file a lawsuit. If they are collecting on behalf of another creditor, that creditor could authorize legal action. However, they can only sue if the debt is within your state’s statute of limitations. Check yours before assuming you’re at risk.
Is MRS BPO using local numbers to call me?
Consumers report MRS BPO calls from local area code numbers. In the Brown v. MRS BPO case, a consumer alleged this constituted caller ID spoofing, but the court found insufficient evidence of deception. If you receive calls from unfamiliar local numbers about a debt, ask the caller to identify themselves as required by the FDCPA before discussing any account details.
Know Your Rights: If a debt collector is contacting you, you have legal protections. See the complete list of FDCPA violations collectors commit most often. Use the free Debt Validation Letter Generator to demand proof of the debt, or check this collector’s complaint history with the Scam-O-Meter.
Dealing With Debt? Before you pay a collector, understand all your debt relief options — including ones the collector won’t tell you about. If the debt feels unmanageable, take the 2-minute bankruptcy quiz to see if the math favors a fresh start. Federal Reserve research shows filers recover faster than those who don’t file.
