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:02/24/2025

  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 being called very frequently by this credit center, who makes false claims of medical bills I owe. they have illegally obtained old medical records and are using that to extort. they ask for money up front in cash, and they use loose threats if I dont pay. they claim I owe for a surgery in 2003, which I never had. told me of actual procedures ive had years ago under **** ***** **** ******, they falsely claimed it was never paid by insurance and I owe, or else ill be contacted by authorities. I receive calls several times a week now.

  Business Response

  Date: 03/12/2025

  Our client, ******* ********, placed *** Patrick ********* account with our office on January 30, 2025. After reviewing *** ********* complaint, we have outlined the following:
  On 1/30/2025, an initial communication was sent to *** *******. On 2/18/2025 we contacted *** ******* by phone to discuss the balance due. He responded by stating that he did not believe us that a balance was owed and then hung up on us. On 2/21/2025, our office was informed by our client, ******* ********, that they were in the process of billing the insurance. On 3/5/2025, *** ******* contacted our office and stated that he had been covered under ***** since November and believed the claim should be submitted to them.
  At this time, we are awaiting insurance processing. Once the claim is adjudicated, we will follow up with *** ******* accordingly.
  In response to the complaint, we can confirm that there were no false claims regarding the balance owed. Additionally, no improper or misleading statements were made, no demands for upfront payment were made, and no excessive calls were placed.
  We hope this information helps to resolve Complaint ID# ********. Please let us know if any further details are required.
  
  Sincerely,
  Dawn M*****
  Director of Operations

• Initial Complaint

  Date:05/01/2024

  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.

  This involves my doctor at the time. Services provided by my doctor was back in 2020 and 2021. I now remember those visits. It wasn't covered by insurance because I did not have medical insurance. I think I paid something since I finally found permanent employment. I think I received some calls from the business that I am complaining about. It's been over 3 years and many other visits to my new doctor and hospital emergency visits. I must have had talks with ********* ********** which was the old doctor about some way for me to pay them back. Covid happened and other situations as well. Now after a few years I received a bill from Credit Center LLC. Not sure what this was for I called yesterday, 4-30-24. The lady that I spoke to told me it was Dr. LaFlamme. The doctor visit was in 2020. I never denied that visit but that after all these years I have forgotten about it. I am still paying off other hospital bills. Her tone of voice I do not appreciate. She spoke to me as if I were a child. Scolding me. That's when I got angry and said a few choice words and hung up. Why have they waited 3 years to collect their money. This is very suspicious. Because we know how doctors are in this country. Entitled and money hungry as they are. And so are business that work for them. I just was talking to this lady to get some answers. I don't need a mother I already had one! Since I don't trust these businesses I would like some paperwork from ********* **********. I would like to see how much I have paid.

  Business Response

  Date: 05/10/2024

  Hello-

  Thank you for sending complaint ID# ********.

  I have pulled the telephone call from 4/30/2024 between our office and Ms. ******* *******. Our collector was nothing but professional and even toned. Ms. ******* ******* called our office after receiving a notice from us, inquiring about her balance due. We advised of the balances due, the doctor's name and the dates of service. She stated she didn't know about these bills. We advised her that we sent numerous notices, left [6] messages and spoke to her in 2021 about these balances. She claimed she didn't have the telephone number that she was calling from and that she only had the number for a short time. We let her know that the number she was calling from is the number that was attached to her file when the account came to us in 2021 and was the same telephone number, we left messages on. It was at that point that Ms. ******* became agitated and swore at the collector, and that is when the collector said "Ok, you have a nice day" and ended the call. 

  At this point, she is out of the validation period, so there is no requirement for us to send her validation of the debt, however if Ms. ******* *******, would like to further discuss this balance due, we are more than happy to assist her and do what we can to help her resolve this.

  Thank you,

  Credit Center, LLC

• Initial Complaint

  Date:03/12/2024

  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 am not liable for this debt with (******** ******* *******, I do not have a contract with (Credit Center, LLC), they did not provide me with the original contract as i requested

  Business Response

  Date: 03/19/2024

  Thank you for sending complaint ID: ********

  Our client ******* ***** ********** (******** ******* ******* placed Ms. ******* ********* accounts with our office on 2/17/2023. We have made many attempts to communicate with Ms. ******* by mail and have received no response to our communication. We have made many attempts to contact her by telephone and most of those times we received a recording that states the "mailbox is full". On 4/3/2023 and 5/26/2023, we did make contact with *** ******* *******, however, she hung up on us after we stated where we were calling from. At this time, she has made no requests to this office via a phone call or letter to us requesting validation of the debt.

  If, Ms. ******* ******* would kindly call our office we are more than happy to assist her with her balances due ******* *****.

  Thank you,

  Credit Center, LLC

   

• Initial Complaint

  Date:11/17/2023

  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.

  NOT LICENSED TO COLLECT OR TRANSACT COLLECTION BUSINESS IN MY STATE. LICENSE TO COLLECT SHOULD BE ACTIVE NOT IN PROCESS OR PENDING APPLICATION! I have been distressed about my credit report because your company is using unfair credit reporting methods. I never had any business with your company "Credit Center, LLC" nor gave my written consent. Where’s the proof that I had a legal obligation to pay this company. I requested copies of my contract with this collection agency but got no response. This is a serious breach of my rights to privacy as a consumer by law. Under ** **** **** * *****(3)Restriction on sharing medical information. and a direct violation of federal law NO SURPRISE ACT Jan 2022 for medical collections. DELETE this account from my credit report. see attached file send to your company.

  Business Response

  Date: 11/22/2023

  Our client ******* ******** placed Ms. ******* ****'s account for collections on 8/5/2019. We sent notices on 8/5/2019, 9/20/2019, 11/4/2019, 12/5/2019 and 3/16/2023. We left voicemail messages for return calls on 8/21/2019, 9/11/2019, 10/8/2019, 12/4/2019. On 11/19/2019 we called and spoke with Ms. **** who advised the patient on the account had ******** and that she never received any of our notices, but she will follow up. On 12/3/2019 per the ******** website patient was not eligible on date of service and that Ms. ******* **** was responsible for the balance due. On 1/6/2020 we called and left a message for a call back. On 1/14/2022 we called and spoke to Ms. ******* **** who hung up on us once we advised that patient wasn't eligible for ***** on date of service. On 8/31/2022 we telephoned Ms. ******* **** and again when we attempted to verify who we were speaking with she hung up on us. On 6/15/2023 we received a letter from Ms. **** requesting validation of the balance owed; at this point the consumer request was outside of the validation period. On 6/16/2023 we called Ms. ******* **** in an attempt to discuss the request we received and again she hung up on us. At this time the balance is due. We have made many attempts at communication, and she has not responded to any of our attempts.

  If Ms. ******* **** would call our office, we are more than happy to assist her.

  Sincerely,

  Credit Center, LLC

   

  Customer Answer

  Date: 11/24/2023

  
  Complaint: ********

  I am rejecting this response because:
  

  Cease and Desist Communication is not just for traditional phone calls, text messaging or email. the reporting of this alleged account on my consumer credit report is a form of written communication as it is also a collection activity according to *** guidelines. 

  I also want to inform you that if there are any negative marks on my credit reports from your company or any company you represent, and it is for a debt I do not owe, it is against the law. The Fair Debt Collection Practices Act states that you must ask the credit reporting agencies to remove such entries if you cannot validate the debt. -

  you are in violation of ***** ** **** **** * ***** - Furnishing certain deceptive form and Under ** **** **** * *****(3)Restriction on sharing of medical information. 

  Also you are in violation ***** ** **** **** * *** - Collection of extensions of credit by extortionate means: (a)Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means (1) to collect or attempt to collect any extension of credit, or (2) to punish any person for the non-repayment thereof. - since reporting this alleged account is a collection activity. 

  
  Please this invalidated account from my consumer credit report immediately.

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

  Business Response

  Date: 11/28/2023

  With regard to your complaint ID: ********. My original response to this complaint remains the same. Had we not been hung up on continuously at each attempt of telephone communication, I'm sure we would have been able to assist you in resolving this matter. Please call our office, we want to help!

  Thank you,

  Credit Center, LLC

   

  Customer Answer

  Date: 11/28/2023

  
  Complaint: ********
  
  I am rejecting this response because:

  I have never had any account with you and this alleged account is falsely reported on my credit. 

  Debt buyer are not a creditor therefore on my report where it shows collection agency as creditor it's inaccurate reporting and violation under FDCPA definitions of creditor.  This is inaccurate and needs to be deleted immediately as it’s a violation. Please view the below definitions,

  ** *** **** **** * **** **** ********** ********* *** *********** **
  * *****2(g) Definitions. (g) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another.

  Initial complaint stated Multiple Violations. Please delete.
  
  Sincerely,
  
  ******* ****

  Business Response

  Date: 11/30/2023

  Good Afternoon-

  I have responded to this complaint twice; adequately and professionally.

  It's obvious that consumer is unwilling to cooperate with us.

  I have an obligation to our client to collect on this debt, but I am not going to continue to go back and forth with the consumer.

  All we ask is that she call us so that we can help resolve the balance due.

  Can you please assist?

  Thank you,

  Credit Center, LLC

   

   

   

   

• Initial Complaint

  Date:06/08/2022

  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.

  I received an alert in May that my credit report had 2 accts in collections, each for 30 dollars. So, I filed a complaint with ******* with the reporting agency on 5/16/2022 to disputes both accounts as these were paid in early March. This is my dispute Confirmation #**********. I then received notification that the agency (******* ****** ***) "verified that this item has been reported correctly" I then reported a second dispute on 5/22/2022, Confirmation #*********** This time I attached proof of payment with a copy of my cleared check which I have also attached to this complaint. Again, I received notification that the agency (******* ****** ***) "verified that this item has been reported correctly" which is clearly a lie as I attached proof of payment. It is evident this agency lacks ethics and honesty. Had they done their due diligence they would have not reported a false claim considering I had attached proof of payment. I also feel this is an infringement on my "Human Rights and Opportunity" as this impacts positive growth for myself and my family. I do feel if my name would of not been of ***** ***************, this company would have taken A MOMENT to truly verify such a negative statement on my "ME". Which leads me to this present moment of filing this report, it bothers me to think that this company wrote "WE HAVE VERIFIED THAT THIS ITEM HAS BEEN REPORTEDLY CORRECTLY". It irks me that "verified" was written without supporting documentation on their behalf. This is not Okay. I can only imagine the countless others inconvenienced by the incompetence and lack of effort from this company. I do plan to file a complaint with *********** Commission on Human Rights and Opportunity as this is ridiculous, that such a minor thing can stun my growth on future opportunities. It a callous thing for this company to report inaccurate information as "verified" (without documentation) and not put to thought of the negative repercussion bestowed on people

  Business Response

  Date: 06/08/2022

  We are in receipt of Ms. ****** *********** proof of payment. However our client ********* ********** needs to confirm proof of payment. Upon receipt of supposed proof of payment, Ms. *********** account has been marked with a request for deletion with the credit reporting agencies. Once the client advises if these balances are paid or not we will reach out to Ms. ****** ********* and advise of such. In the meantime all Ms. ********* had to do was call our office, as we would have been happy to assist.

  Thank you,

  CCI

  Customer Answer

  Date: 06/08/2022

  
  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,
  
  ****** *********