Who Is MRS BPO? Why Are They Calling Me?
Most commonly for attempts to collect debt not owed
Contact MRS BPO
- Address to send a debt validation letter
- MRS BPO, L.L.C. 1930 Olney Avenue, Suite 400 Cherry Hill, NJ 08003
- Phone
- 1-888-334-5677
- Official website
- https://www.mrsbpo.com
As of 2026-08-07 — verify before mailing anything important, since collectors do change addresses.
MRS BPO is a New Jersey-based debt collector and debt buyer that pursues charged-off consumer accounts — credit cards, medical bills, personal loans — for original creditors and its own purchased portfolios. If MRS BPO has sent you a collection letter, demand proof of the debt in writing before paying, and hold onto the envelope it arrived in.
Has MRS BPO been the subject of legal action?
Yes. In DiNaples v. MRS BPO, LLC, the Third Circuit Court of Appeals ruled on August 12, 2019 that MRS violated the FDCPA by printing a scannable QR code on the outside of a collection envelope that, when read by a smartphone app, revealed the recipient’s internal account reference number. The court held that exposing a consumer’s account information on the envelope itself — even through an indirect method like a QR code — is a concrete privacy harm the FDCPA is designed to prevent, extending an earlier Third Circuit ruling that barred printing account numbers directly on envelopes. The underlying class action settled for $11,000. If a collection letter from MRS BPO exposed your account details in a way you believe violated your privacy, that’s the kind of practice this ruling addressed.
Questions & Answers
Is MRS BPO a legitimate debt collector?
MRS BPO shows up in the CFPB consumer complaint database, which tracks real complaints filed against real companies — so it is a legitimate, registered entity, not a scam name. That doesn't mean every call claiming to be from them is real; scammers impersonate real collectors. Verify what they're collecting before paying anything — see what to do the first time a collector contacts you.
— US Debt Compass Editorial Team
How do I stop MRS BPO from calling me?
Under the FDCPA, you can send MRS BPO a written cease-and-desist letter and they must stop contacting you except to confirm they've received it or to notify you of specific legal action. This doesn't erase the debt — it only stops the calls. See the cease-and-desist letter glossary entry for how to send one.
— US Debt Compass Editorial Team
How do I dispute a debt with MRS BPO?
Send a written debt validation request to MRS BPO's dispute address within 30 days of first contact — they must then verify the debt before continuing collection. See the contact details above for the current mailing address.
— US Debt Compass Editorial Team
Is MRS BPO on my credit report?
If MRS BPO is collecting on an account, it can appear on your credit report as a collection tradeline, separate from the original creditor's listing. Check your credit report directly to confirm, and see the credit report dispute guide if anything about the listing looks wrong.
— US Debt Compass Editorial Team
Sources
- U.S. Court of Appeals for the Third Circuit — DiNaples v. MRS BPO, LLC, No. 18-2972 (Aug. 12, 2019)— www2.ca3.uscourts.gov
- MRS BPO — Company Website— mrsbpo.com