Business Profile

Credit Services

Kingston Data & Credit Inc

This business is NOT BBB Accredited.

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Complaints

This profile includes complaints for Kingston Data & Credit Inc's headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

75 total complaints in the last 3 years.
14 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

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:29/02/2024
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.
Im not liable for this debt with ******* *******. I do not have a contract with Kingston Data and Credit, they did not provide with the original contract as i requested.
Customer Answer
Date: 07/03/2024
Hello i called them multiple times over the phone, i requested for a contract bit they didn’t oblige instead they ******** me to pay “the collection” im not liable to pay them and i didn’t even had knowledge of this and now they ruined my credit report
Business Response
Date: 02/04/2024
*******, we have reviewed your file in our office, and it appears you have a signed contract with ******* ******* showing liability, ***** ** **** ********. If you have any questions, please contact Lisa S****** at ###-###-####
Initial Complaint
Date:08/02/2024
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.
Was contacted by this company via email claiming that I owe $17847.66 for immediate collection from an old vehicle I had through **** ******* ******. I surrendered the vehicle over a year ago and nothing further was ever communicated to me that any further payment was owed as I surrendered the vehicle. There should be no reason for this company to contact me or have this on my credit report as this was settled well over a year ago with **** ******* ******.
Business Response
Date: 09/02/2024
******
We have received your BBB complaint. Our office received this matter from **** ******* ******. It seems you have some concerns with our client, and your complaint isn’t necessarily with our office. We reach out as a courtesy to let you know this has come into our office.

A voluntary surrender is technically defaulting on a loan and is therefore like a repossession. When you purchase a vehicle through financing, the loan contract provides you with the loan amount, including the financing fee and interest.

Had you contacted our office, the manager of your file would have explained everything to you.

Any remaining balance, once returned, would become a sales deficiency that you would need to repay. **** ******* should have notified you before sending it to Kingston Data and Credit for nonpayment.

Should you wish to discuss this more please speak to Tracey T. who is managing your file, at ###-###-####.

Customer Answer
Date: 09/02/2024

Complaint: ********

I am rejecting this response because: **** ******* ****** had advised me that since I was forgetting the vehicle, I was no longer responsible for the payments. I have not heard anything more from them regarding this since I surrendered the vehicle as it went back into their possession.

Sincerely,

****** *******
Business Response
Date: 22/02/2024
******,
You would have received a letter titled Voluntary Surrender Acknowledgement, which outlines that you have surrendered the vehicle and will be responsible for any deficiencies after the vehicle is sold. We have ******** the payout form, the sale of the vehicle, and the portion you are responsible for. If you have any further questions, please contact Tracey T., who is managing your file, at ###-###-####.
Initial Complaint
Date:02/01/2024
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.
I have never had contact with this company nor did i ever **gn a contract with this company or any other company for the amounts they have placed on my credit report. I would like this removed from my account as i do not owe this debt to Kingston or any other company.
Business Response
Date: 11/01/2024
*****, we have reviewed your file in our office and we have proof of debt with ****** showing liability, ***** ** **** ********. If you have any questions, please contact Lisa Sargent at ###-###-####.
Customer Answer
Date: 22/01/2024

Complaint: ********

I am rejecting this response because: There is no name on the screenshots you have shared. I do not own any of the last four digits of any of those card numbers nor have i ever used the email associated for ****** as I’ve never used ****** before.

**ncerely,

******* ********
Business Response
Date: 01/02/2024
*******, we have reviewed the documentation we sent over and your name does appear -- it is on the payment details and profile documentation. If you think this is a case of identity theft or fraud, we should definitely speak with you and get more information. If you have any questions, please contact Lisa Sargent at ###-###-####.
Initial Complaint
Date:11/12/2023
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.
I am writing to file a complaint regarding an unauthorized collection account that has recently appeared on my credit report. The account is associated with Kingston Data and Credit and reflects an amount of $727, dated June 27, 2023. I have never engaged in any financial transactions, borrowed money, or received any goods or services. I had no prior knowledge of any association with this company, and they have never contacted me via mail or phone regarding any outstanding debt or account. I kindly request the prompt removal of the collection account from my credit report to rectify the damage to my credit score.
Business Response
Date: 12/12/2023
Hello ***** The item reported on your credit report is a collection matter for the client we represent, and your obligation is that with the company. We have reviewed your file in our office, an it appears this was for an account owing to ******* *******. Your file was recalled by ******* ******* and it is currently closed with our debt collection agency. If you have any questions regarding this, please reach out to our consumer Ombudsman **** ******* ***************
Customer Answer
Date: 19/12/2023

Complaint: ********

I am rejecting this response because: Since it's closed, I want Kingston to remove the collection from my credit report. It's important for me to keep my credit report accurate, and removing this would really help. I still see the collection report on my credit report.

Sincerely,

***** **********
Business Response
Date: 27/12/2023
*****, We show the account should show closed on the Credit Bureaus and not affect you-We are going to send a follow up request to remove it completely as the files is no longer here.
If you have any more questions, please reach out to our consumer Ombudsman **** ******* ***************
Initial Complaint
Date:07/12/2023
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.
I am not liable for this debt with ******* *******. I do not have a contract with kingston data and credit. They did not provide me with the original contractas i requested. I do not have access to the documents requested as they were attached to a email i no longer have access to this was a long time ago and dont have access to these records.
Business Response
Date: 12/12/2023
****, we have reviewed your file in our office and it appears you have signed contract with ******* ******* showing liability* ***** ** **** ********* If you have any questions please contact **** ******* ** *************
Customer Answer
Date: 12/12/2023

Complaint: ********

I am rejecting this response because:
regardless, if there is a signed contract under my name, I was not the one who signed that contract that contract was signed without my knowledge, and I personally never signed it

Sincerely,

**** *********
Business Response
Date: 19/12/2023
****, we appreciate your stance that you are not liable for a debt with ******* ******* -- however, we have provided a signed contract that states otherwise, which is sufficient proof for reporting this debt to the credit bureaus. At this point, your next step would be to communicate with our Consumer Ombudsman **** ****** ** *************
Initial Complaint
Date:25/09/2023
Type:Billing Issues
Status:
ResolvedMore 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.
This company showed up as a collection on my credit report. I’ve never borrowed money/credit with them or received goods or services from them. They’ve never contacted me by mail or phone. I would like this removed from my credit report. The amount is for $1088, opened May 2023.
Business Response
Date: 02/10/2023
Hi ****, we are a collection agency that is representing ********* ****** **** who are a debt buyer that have taken ownership of your unpaid **** ** ***** ****** ***** We would recommend to discuss this you contact J** ****** ** ********************** ** *************
Customer Answer
Date: 02/10/2023

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ** ********, and find that this resolution is satisfactory to me.

Sincerely,

**** *********
Initial Complaint
Date:08/08/2023
Type:Billing Issues
Status:
ResolvedMore 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.
My credit file shows a collection account from this company for $1274 I never went to ******* ******* and have no knowledge of this account. I am requesting that it be deleted from my profile.
Business Response
Date: 21/08/2023
Hello *******, we have reviewed your account and do not see a signed contract on file to support the debt. As you are disputing this debt, we will be closing your file in our office and deleting the reported item from your credit bureau. Should you have any questions please reach out to *** ****** ** ************ ** **********************
Customer Answer
Date: 21/08/2023

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

******* *******
Initial Complaint
Date:19/07/2023
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.
I am not liable for this debt with Kingston data and credit. I do not have a contract with Kingston data and credit, they did not provide me with the original contract as requested.
Customer Answer
Date: 22/07/2023
I don’t have a file or screenshot to send you as it was a phone call made. I also was never sent any mail or emails before noticing the report of my credit and seeing the mark, thank you.
Business Response
Date: 02/08/2023
Hello ******, we see that you have previously spoken to Sherry L. from our office and acknowledged fault for the credit card issue. We have no record of you requesting any documentation before, during or after our call with you. Please find your signed agreement from ******* ******* attached. Should you want to resolve this or have any questions you may reach out to Joe L. at 1-************ or *******@**********.com.
Initial Complaint
Date:15/06/2023
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.
I AM NOT LIABLE FOR THIS DEBT WITH ******* *******. I DO NOT HAVE A CONTRACT WITH KINGSTON DATA & CREDIT INC, THEY DID NOT PROVIDE ME WITH THE ORIGINAL CONTRACT AS I REQUESTED
Business Response
Date: 21/06/2023
Hello ******, we have no record of you contacting Kingston Data & Credit. Please find your signed contract with ******* ******* ********. Should you have any questions or want to resolve this matter you may contact Joe L. at 1-************ or *******@**********.com.
Customer Answer
Date: 21/06/2023

Complaint: ********

I am rejecting this response because: I CONTACTED ******* ******* AND WANTED AN EXPLANATION I HONORED THE CONTRACT FOR THE YEAR AND THEY CONTINUED TO TAKE MONEY OUT OF MY ACCOUNT AFTER THE YEAR WAS OVER AND I TOOK THE PROPER STEPS TO END THIS CONTRACT, SO AFTER THE YEAR THAT CONTRACT IS NO GOOD AND AFTER SPEAKING TO ******* ******* I WAS TOLD THIS MATTER HAS TO BE HANDLED WITH THE COLLECTION AGENCY AND IT IS OUT OF THERE HANDS. SO I FULFILLED THIS CONTRACTS OBLIGATION PAID IN FULL.

Sincerely,

****** ******
Business Response
Date: 05/07/2023
Hello ******, the contract you signed (********) includes an auto-renewal clause that is explained to each member as they are signing up for a membership. We spoke with our client and they have absolutely no record of you attempting to cancel your membership. If you have any questions you may contact Joe L. at 1-************ or *******@**********.com.
Customer Answer
Date: 05/07/2023

Complaint: ********

I am rejecting this response because: I fulled my contract and followed the guidelines on my contract to not renew our statis , why would I pay for a year for myself and my wife ( ****** ********** ****** who they also have a collection on her report ) for a whole year to not pay for 3 months. I did what was in the contract to not renew and once i seen they were still taking money out my account I contacted my home ******* ******* and I was told there was nothing they can do. I feel this is bad business and there should be an easier was for new customers to not renew they make hard for you to cancel by making you do unnecessary things to not renew and to cancel membership it makes no sense and when you follow protocol to not renew they can claim you did not and continue to take your money and when you fight back just throw a collection on your account......Please remove this off my report this is not right for myself nor my wife who is also affected by the collection we try to pay all our bills on time and in a timely matter this is just not right.

Sincerely,

****** ******
Business Response
Date: 12/07/2023
Hello ******, our client's records show no record of cancellation. Please reach out to Joe L. at 1-************ or *******@**********.com if you have any questions or if you would like to resolve this matter.
Initial Complaint
Date:18/05/2023
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.
Good evening. They are trying to collect money from a debt I settle earlier this year. I have showed them all the emails and information to prove that the settlement offer was paided off and refuse to sccept any information provided
Business Response
Date: 24/05/2023
Hello ******, upon investigation we have closed your file in our office due to it previously being paid with another agency. Should you have any questions or concerns please reach out ** *** ****** ** ************ ** ***********************

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Kingston Data & Credit Inc is NOT a BBB Accredited Business.