Business Profile

Collections Agencies

Sterling Credit Corp.

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Complaints

This profile includes complaints for Sterling Credit Corp.'s headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

10 total complaints in the last 3 years.
5 complaints closed in the last 12 months.

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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:04/15/2025
Type:Order 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 dont agree with the accounts listed below, which still appears on my credit report even after your investigation, I would like this account immediately re-investigated these inaccuracies are highly injurious to my credit rating. Furthermore, in accordance with the Fair Credit Reporting Act, Public Law *****, Title VI, section 611, subsection A-D please provide the names and business addresses of each individual with whom you verified the above so that I may follow up. Please forward me an updated credit report after you have completed your investigation and corrections. Your cooperation and prompt attention are greatly appreciated. (Sterling Credit Corporation Account number : *******
Business Response
Date: 04/15/2025
April 15, 2025

BBB of ***************
********************
********, FL 32750
RE: Case #********: ****** ****

To Whom It May Concern:
Upon review of the consumers dispute, we are accurately reporting on the customers Equifax tradeline. However, as a courtesy we have decided to delete Sterling Credits tradeline from the customers ********************** report. We have processed the deletion of the customers account through *******. The update may take up to ***** days to reflect on Equifax. If for some reason your Equifax report has not been updated by 60 days, please call us directly at ************.
Sincerely,

Sterling Credit Corporation
Customer Answer
Date: 04/15/2025

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:03/05/2025
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 am writing to file a formal complaint regarding the unprofessional behavior and rudeness of an employee, ***** ***** who works at Sterling Credit Corporation. I have been attempting to resolve an issue regarding the lien release letter for my loan account that was paid off. Despite my repeated requests, *** **** has been uncooperative and ************* provide some context, I settled my loan with Sterling Credit Corporation on March 3, 2025, and after the final payment, I was entitled to receive a lien release letter to clear the title. I reached out to *** ***** who, instead of providing assistance or addressing my request, was rude and unprofessional in his responses. On multiple occasions, I requested the lien release letter, and *** **** not only failed to provide it but also refused to give any clear explanation for the delay.I believe that as a customer who has fully paid off their loan/settlement, I am entitled to this documentation. *** ***** behavior was not only frustrating but also disappointing, especially considering that I have fulfilled my financial obligations.I would appreciate your assistance in addressing this matter and ensuring that the lien release letter is promptly provided. Moreover, I hope that you can look into the professionalism of *** ***** as his conduct reflects poorly on the company he represents.Thank you for your attention to this matter. I look forward to your prompt response and resolution of my complaint.
Business Response
Date: 03/06/2025
March 6, 2025

BBB of ***************
******************************************************************************

RE: ******** ******

To Whom It May Concern:

Upon review of the consumers complaint we called the customer on 3/6/2025 to attempt to resolve complaint. We spoke with the consumer and apologized if they felt the call wasn't handled properly on 3/5/25. We explained that we could provide a settlement pay off letter, but we could not send a lien release letter due to company policy. We also advised the title would be sent on 3/17/25. The customer was satisfied with the results. We emailed the settlement pay off letter this morning at 9:19am ET. If there's any other issues, I requested them contact me directly (***** **** at ********************).

Sincerely,

Sterling Credit Corporation
Customer Answer
Date: 03/06/2025

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:09/26/2024
Type:Order 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 company took over my car loan without my knowledge or consent in 2021. I've been paying on an ****** loan for my car. I've paid over ****** to date ************************** stated today I owe ******** and none of my payments have went to pay down the principle. She stated I would not be paying my car off in May of 2025 that i would owe 2 more years after I had been told if I made 2 payments per month it would be paid off in full. They are not only scamming me but many others. It appears they changed my original contract from the previous finance company.
Customer Answer
Date: 09/27/2024
I signed a contract with the original finance company who sold my contract to Stirling Credit.
Stirling credit has given me misleading and inaccurate information regarding my request to pay ****** 2x per month to ensure my car would be paid off by May 2025.
The woman I spoke with in early September 2024 told me my entire second payment would go strictly to principle and not to interest, then I could reach my goal of payoff by May 2025.
That is the goal that I have is to pay the principle down and the car paid off sooner.
I have not been satisfied with Stirling Credit since they took over my loan. Every issue I have tried to resolve has been unprofessional.
The additional ****** being paid each month needs to be applied solely to the principle balance as I was told it would.
***** Lockhart
Customer Answer
Date: 10/01/2024

Complaint: 22342856

I am rejecting this response because:
I signed a contract with the original finance company who sold my contract to Stirling Credit.
Stirling credit has given me misleading and inaccurate information regarding my request to pay ****** 2x per month to ensure my car would be paid off by May 2025.
The woman I spoke with in early September 2024 told me my entire second payment would go strictly to principle and not to interest, then I could reach my goal of payoff by May 2025.
That is the goal that I have is to pay the principle down and the car paid off sooner.
I have not been satisfied with Stirling Credit since they took over my loan. Every issue I have tried to resolve has been unprofessional.
The additional ****** being paid each month needs to be applied solely to the principle balance as I was told it would.
***** Lockhart
Business Response
Date: 10/01/2024
October 1, 2024

BBB of ***************
******************************************************************************

RE: Case #********: ***** ********

To Whom It May Concern:

Ms. ******** the original dealer decided to sell your loan to Sterling Credit. During your time with Sterling Credit since January 2022 we have followed the original contract you signed with the dealer. As previously mentioned we have mailed you a copy of your contract & pay history for your review. Once you receive a copy of your contract &pay history please call us directly to discuss or if you would like a supervisor to call you directly please let us know so we can help resolve your dispute. Please let us know how we can clarify your contract.

Sincerely,

Sterling Credit Corporation
Initial Complaint
Date:05/06/2024
Type:Order 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.
Keep asking for the title to my car,the car is paid in full, I been asking for the title about 2 months now and they still won't send it
Business Response
Date: 05/06/2024
After review of the consumer's dispute ***************** paid off the loan with Sterling Credit on 4/12/24. At that time ***************** was advised by a customer service representative that it would take 3-4 weeks for the title to be sent to the address on file. The title has already been mailed to ***************** on 5/4/24 to the address we have on file per our company policy. If ***************** has any questions she can contact us at ************.
Regards
Customer Answer
Date: 05/06/2024
I haven't heard anything from sterling credit yet about my title
Customer Answer
Date: 05/07/2024

Complaint: 21663989

I am rejecting this response because:

Sincerely,

*************************, I haven't received my title yet from them yet, sterling credit
Business Response
Date: 05/08/2024
*****************,
As we mentioned the title was just mailed on May 4th. Please allow 5-7 mailing days. If you haven't received the title by then please contact us directly at ************ and speak with our title department.
Regards
Initial Complaint
Date:05/02/2024
Type:Service or Repair 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'm not liable for this debt with Sterling Credit Corp. I do not have a contract with the collection agency trying to collect and report to my credit report. They did not provide me with the original contract as requested.
Business Response
Date: 05/06/2024
Good afternoon,
After reviewing the dispute, we would need ************* to provide additional information to verify her account. We want to be sure we are providing accurate information to the correct customer. Can you please provide any previous addresses, phone numbers or make/model of vehicles over the last 5 years? Or you can call us directly at ************ so we can handle your dispute appropriately.
Regards
Customer Answer
Date: 05/06/2024

Complaint: 21657711

I am rejecting this response because: in accordance with the Fair Credit Reporting everything has to be 100% accurate on my credit report. The credit bureaus sated my account was properly investigated, but how is that possible if the open date is inaccurate, and the date last reported is not accurate. The ground for removal they also violated my rights under
15 U.S.C 1681 Section 602 A States I have the rights to privacy
15 I.S.C 1681 Section 604 A Section 2: it states a consumer reporting agency cannot furnish an account without my written instructions.

Sincerely,

*************************
Business Response
Date: 05/09/2024
Please see attached letter.
Regards
Customer Answer
Date: 05/09/2024

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:10/05/2023
Type:Service or Repair 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'm not liable for this debt that was claimed by Sterling Credit Corporation and I do not have a contract with this company. Sterling credit corporation has not provided me with any original documents such as the original application like i requested.
Business Response
Date: 11/30/2023
November 30, 2023

BBB of ***************
*****************************************************************

RE: Complaint ID ********: *************************

To Whom It May ********************************************************************************** Upon review of the consumers complaint we have mailed a copy of the signed contract and credit application for this loan. We purchased the consumers loan on 4/30/18 in which direct payments were made to Sterling Credit there after. Upon customers request we can email this information to him directly as well. The customer can also call us directly at ************ to discuss this matter further if they need any specific details.

Sincerely,

Sterling Credit Corporation
Initial Complaint
Date:02/07/2023
Type:Customer Service 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 recently attempted to dispute some items on my consumer report, but I have only received responses stating that the information has been verified. I did not request a reinvestigation for the item listed below. According to 15 U.S. Code *****, a consumer reporting agency is only allowed to furnish a consumer report in certain circumstances such as in response to a court order, subpoena, or with written consent from the consumer. The information can also be used for credit transactions, employment, insurance underwriting, and other purposes. Certain government agencies can also receive the information. I never gave permission for the items listed below to be reported and they fall under the exclusion category of 15 U.S. Code 1681a(2)(B), which states that a consumer report does not include information about transactions between the consumer and the person making the report, unless the consumer was informed and given the opportunity to opt-out. Additionally, a consumer report does not include authorization or approval of a credit card extension of credit, a decision on a credit request made by a third party, or certain communications. The item listed is a transaction that is being reported, which is a violation of the mentioned US codes. If these items continue to be reported, you will be held liable under 15 U.S. Code § 1681n - Civil Liability for Willful Noncompliance. This law states that any person who fails to comply with the requirements regarding consumer reports can be liable to the consumer for actual damages
Business Response
Date: 02/17/2023
It appears that Ms. ****** has filed a complaint with the BBB alleging violations of the Fair Credit Reporting Act (FCRA) arising out of an erroneous credit report prepared by a credit bureau from information supplied, in part, by Sterling Credit Corp. (Sterling). Ms. ****** alleges that Sterling is in violation of the FCRA because she did not give consent to Sterling to provide said negative credit information to the credit bureau. Sterling maintains no wrongdoing because it is not a credit reporting agency or user of reported information. The information provided to the credit bureau was not a consumer report and Sterling conveyed only information based on its own credit experience with Ms. ******. In addition, there is no showing that Sterling willfully or negligently failed to comply with the FCRA.

Sterling understands that pursuant to the Gramm Leach Bliley Act, consumers must be given the right to opt-out of, or prevent, a financial institution from disclosing non-public personal information about them to a nonaffiliated third party unless an exception to that right applies. In this scenario, an exception does apply and pursuant to Sterling’s Privacy Notice, which was provided to Ms. ******, Sterling does in fact share her information for everyday business purposes such as to report to a credit bureau. According to 15 U.S.C.A. 6802(e) (6)(A) Ms. ****** cannot limit this sharing and thus does not have an option to opt-out.

Regards
Initial Complaint
Date:12/25/2022
Type:Customer Service 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 a check from Sterling Credit Corporation via USPS. I am not sure why they sent me this check for $2,650.00. I have never had any business dealing with Sterling Credit Corporation. I need you to look into to why they sent this check that I did not asked for and to see if they are trying to steal from me. Please look into why this credit company is sent me a check that I did not requested. I will also do my research regarding **** ******** Bank to see who in Sterling Credit Corp writing fraudulent checks to someone who has no dealing with them.
Business Response
Date: 01/05/2023
Ms. ****** ******* contacted Sterling Credit Corp regarding the check she received. The check was fraudulent and thanks to Ms. *******, Sterling Credit Corp was able to address the fraudulent check immediately and notify our bank, Park National. The accounting manager at Sterling Credit spoke to Ms. ******* personally and apologized for any issue this may have caused her. She informed Ms. ******* that unfortunately at this time of year, fraud is abundant. The accounting manager informed Ms. ******* that Sterling Credit Corp did not issue the check to her, nor was Ms. ******* a customer of Sterling Credit Corp. She advised Ms. ******* NOT to attempt to cash the check but to take to her bank and inform them of the fraud so they could diligently and properly dispose of the fraudulent check. After speaking with Ms. *******, and with her cooperation and assistance, Sterling Credit Corp. was able to absolve itself from any wrongdoing to Ms. *******. She was very cooperative and willing to assist Sterling Credit with the fraudulent check issue. To our knowledge, Ms. ******* was satisfied with the outcome of our discussion, and has no further issues with Sterling Credit Corp.
Customer Answer
Date: 01/06/2023
(The consumer indicated he/she ACCEPTED the response from the business.)
Yes, I contacted Sterling Corp and spoke with the financial officer who clarified this error. Thank you for your assistance.
Initial Complaint
Date:11/16/2022
Type:Customer Service 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.
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC ****.Account Name: Sterling Credit CorporationAccount#:95XXXXAccount Opened: March 21,2020HAS violated my right.Account Name: Fair Collections and OutAccount#: 437XXXXAccount opened: July 15, 2019Has violated my right.Account Name: ********************* GroupAccount #: D106820N1Account opened: July 1, 2022Has violated my right. 15 U.S.C **** section 602 A. States I have the right to privacy.15 U.S.C **** section 604 A Section 2: It also states a consumer reporting agency cannot furnish an account without my written instructions15 ***********. (a)(5) Section States: no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.15 ************ (A)(1) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Business Response
Date: 11/23/2022
November 23, 2022

BBB of ***************
1600 **************.
********, ** 32750

RE: Case #********: *****************************

To Whom It May ********************** review of the consumer's dispute we have mailed a copy of the signed contract and credit application for this loan. Upon customer's request we can email this information to her directly as well. The customer can also call us directly at ************ to discuss this matter further if they need any specific details.

Sincerely,

Sterling Credit Corporation
Initial Complaint
Date:11/11/2022
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 am ***********, and I'm submitting this complaint myself, and there is NO THIRD PARTY INVOLVED. I, ***********, consumer and natural person, have been a victim of identity theft pursuant to 15 USC 1681a(Q)(3) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a(Q)(4). Just an FYI: I understand pursuant to 15 USC 1681c-2(c) that you have the authority to decline or rescind but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. There's an account from STERLING CREDIT CORPORATION reporting on my consumer report that is fraudulently furnished without my lawful authority. This unauthorized access of my credit report has with forethought and malice cause me to receive substantial harm and damage to my financial reputation as a result of it being furnished on there. This is a violation of the Gram-Leach-Bliley Act. I receive no benefit whatsoever for this account to still be reporting on my consumer report. Pursuant to 15 USC 1681(a)(4), this is an invasion of my privacy.
Business Response
Date: 11/22/2022
Business Response /* (1000, 5, 2022/11/15) */ November 15, 2022 BBB of Central Florida 1600 South Grant St. Longwood, FL 32750 RE: Case ********************** To Whom It May Concern: Upon review of the consumer's dispute we have mailed a copy of the signed contract for this loan. As a courtesy we have deleted this credit file from the consumer's credit report. Sincerely, Sterling Credit Corporation Consumer Response /* (2000, 7, 2022/11/16) */ (The consumer indicated he/she ACCEPTED the response from the business.) I am completely satisfied with this response

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Sterling Credit Corp. is NOT a BBB Accredited Business.