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:02/10/2025

  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.

  Opened Sep 03 , 2021 Colection account *************************** *** ************************************************ I don't owe them anything, they are making a mistake and bothering me all day, calling me and sending me messages.

  Business Response

  Date: 02/11/2025

  We appreciate the opportunity to respond to this complaint. The balance of $584 in question is a valid debt owed to *************************** (***). The consumer was enrolled in the *** Basic program and received Pell Grants to assist with tuition costs. However, due to the students withdrawal, the grants were reversed, resulting in the outstanding balance.
  Our office has made multiple attempts to communicate this matter to the consumer and provide clarification, but we have not received any cooperation. We remain willing to work with the consumer toward a resolution if he is open to discussing repayment options.
  For full transparency, we have attached the account ledger from ***, which outlines the charges and payments associated with his enrollment. If the consumer wishes to resolve this matter, we encourage him to contact our office directly.

  Customer Answer

  Date: 02/11/2025

  The balances are incorrect, they were never notified to me, and they were also times when we went through Covid 19, I couldn't go to school and I didn't have a job to pay for that either.
  Complaint: 22924958
  
  I am rejecting this response because:
  
  Sincerely,
  
  ******* *****

  Business Response

  Date: 02/11/2025

  We acknowledge the consumers rejection of our response; however, we would like to reiterate that the balance remains valid and due.
  The charges stem from the reversal of Pell Grants after the consumer withdrew from the *** Basic program at *************************** (***). While we understand the hardships faced during COVID-19, this does not invalidate the outstanding obligation. Additionally, the consumer was notified of the balance and has been given multiple opportunities to resolve it.
  We remain willing to work with the consumer on a reasonable resolution. If they would like to discuss repayment options, we encourage them to contact our office.

• Initial Complaint

  Date:12/26/2024

  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 the debt alleged by *************************** I have no contractual relationship with **************************, and they have not provided the original agreement as requested.

  Business Response

  Date: 01/02/2025

  Thank you for bringing this matter to our attention. We would like to clarify the circumstances surrounding this account.
  The consumer in question is a former student of *************************** (***). This debt originates from charges owed directly to ***, which subsequently hired Credit Counsel, Inc. to assist with collection efforts.
  It is important to note that the consumer has previously acknowledged this debt. In December 2023, she made a partial payment to our firm. Shortly thereafter, she informed us that she had lost her job and was unable to continue making payments. Despite subsequent promises to resume payments, no further payments have been made.
  Regarding the consumer's request for an original agreement, please be advised that Credit Counsel, Inc. was not hired by the consumer but by ***. As such, there is no direct contractual agreement between the consumer and our firm. However, we have attached the following documents to this response:
  A copy of the ledger from *************************** outlining the debt.
  A statement of account from ********************** showing the current balance due.
  We trust this resolves the consumer's concerns. If further clarification is required, we are happy to provide additional assistance.

• Initial Complaint

  Date:12/22/2024

  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 submitting this complaint because of persistent inaccuracies on my credit report that this company has reported. These errors are affecting my credit score and financial well-being, despite my repeated efforts to address them directly with the company.Since these unresolved issues continue to damage my credit, I am seeking the assistance of the Better Business Bureau to help ensure a swift and comprehensive review. I am requesting that this company accurately update or remove the incorrect items from my credit report. Thank you for your attention and support in resolving this matter.Details of the account involve are as follows;ACCOUNT NAME: ********************** *** ACCOUNT #: ****** DATE OPENED: 6/1/2021 BALANCE: $4,622

  Business Response

  Date: 12/31/2024

  We appreciate the opportunity to respond to the concerns raised by the consumer regarding their account with **********************
  The consumer in question is a former student of *************************** (***), the original creditor for the debt. The original balance owed to *** was $7,228.96. Between August 2021 and December 2022, the consumer made several payments to our office, reducing the balance to $4,647.02.
  The amount reported to the credit reporting agency reflects the current balance of $4,622.02. This difference of $25 is due to a collection fee that is not included in the amount reported to the credit bureaus.
  For clarity, we have attached the following documentation:
  Consumers Ledger from *************************** detailing the original balance and transaction history.
  Statement of Account from ********************** reflecting all payments received and the current balance.
  Additionally, we would like to note that the consumer provided a copy of an identification document, which expired on May 20, 2024. We kindly ask that any future correspondence or documentation include valid identification to ensure compliance with our policies and protect the integrity of this process.
  If the consumer has further questions or requires additional clarification, we welcome them to reach out to our office directly so we may assist in resolving this matter.

• Initial Complaint

  Date:12/11/2024

  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 am writing to file a formal complaint against Credit Counsel *** for harassing me in violation of the Fair Debt Collection Practices Act (FDCPA). The agency has been engaging in inappropriate and aggressive collection practices. I have received multiple calls and emails with the latest being December ******* which some of which occurred outside of the allowed hours. During some calls, the agents used threatening language, such as you better get an attorney you are going to need it & amongst other threatening phrases. Despite my requests for the agency to stop contacting me, the calls and emails have continued. I have made attempts to resolve this issue directly with Credit Council ***orporated (the cash flow company), but they have continued their aggressive tactics. As a result, I am requesting that the Better Business Bureau investigate this matter and take the necessary steps to ensure Credit ************ ceases its harassment and complies with all applicable laws and regulations.Please feel free to contact me if you need any additional information. Thank you for your attention to this matter.

  Business Response

  Date: 12/12/2024

  We appreciate the opportunity to respond to the complaint submitted by [Consumers Name] regarding her account with ***********************************************.
  After conducting a thorough review of this matter, we can confirm that all communications with the consumer have adhered strictly to the timeframes permitted under the Fair Debt Collection Practices Act (FDCPA). At no point were calls made outside the legally permissible hours. Additionally, our records do not support the allegation that threatening language, such as you better get an attorney; you are going to need it, was used during any communication.
  The balance in question pertains to services rendered by Weston ********** *************** on June 30, 2023. Following verification with the consumers insurance carrier, it has been confirmed that this balance is the consumers financial responsibility.
  Our records also show that the consumer has made multiple commitments to resolve this balance but has not fulfilled these promises. To support her, we have taken steps to accommodate her circumstances by reducing the balance to facilitate payment.
  We remain committed to resolving this matter in a manner that works for all parties involved. To that end, the consumer is encouraged to contact ***** ******* directly at ************** or via email at ********************************** Mr. ******* is fully authorized to settle this account through any mutually beneficial arrangement.
  If you require additional information or documentation regarding this matter, please do not hesitate to reach out.

  Customer Answer

  Date: 12/12/2024

   
  Complaint: 22671705
  I am rejecting this response because:
  Dear Representative,
  I am writing in response to the information provided by Credit ************ regarding my initial complaint. I appreciate the BBBs role in assisting with the resolution of this matter, and I would like to further clarify my position.
  Unfortunately, the response from Credit Counseling *** fails to address the key issues I raised. Despite my repeated requests, I have not received a detailed breakdown of the charges or a clear explanation of what I am paying for. Without this essential documentation, I am unable to verify the validity of the debt they claim I owe. Additionally, I must emphasize that the language used in their communications, particularly during phone calls, has been threatening and intimidating. Their demand for payment within 10 days, coupled with the aggressive tone, has been distressing and inappropriate. I have attached an email correspondence where they make these demands. Also I have not ignored my obligations as I would like further clarification from Credit Counsel ***. prior to these charges being processed. 
  I respectfully ask that Credit Counsel ***. provide the following in order to resolve this matter:
  1.A clear, itemized breakdown of the charges, including any services or products they claim I am being charged for.
  2.Documentation explaining why these charges are owed and how they were calculated.
  3.A cessation of any further threatening or harassing communication, including phone calls that use aggressive or coercive language.
  Thank you for continuing to assist in the resolution of this issue. I trust that the BBB will work to ensure that my concerns are addressed and that Credit Counsel ***. is held accountable for their actions. 
  Sincerely, ******* ******

  Business Response

  Date: 12/12/2024

  We appreciate the opportunity to address the additional concerns raised by ******* ******.
  The information the consumer is requesting can be easily verified through the Explanation of Benefits (EOB) provided by her insurance carrier. Nevertheless, we have enclosed a statement from Weston ********** *************** for her reference. While the statement reflects a $0 balance due to the balance being written off in their system, this does not indicate the debt has been forgiven. The written-off amount of $769.75 remains due and was assigned to Credit Counsel, Inc. for collection.
  The current balance, inclusive of interest, is $1,171.19. The *** already issued by the consumers insurance carrier clearly outlines the services provided, the amounts billed, and how the balance was determined.
  It is important to note that the consumer has previously acknowledged this obligation and made promises to pay. These repeated requests for documentation, despite the availability of clear information from her insurance carrier, appear to be an attempt to delay resolution of the matter.
  As mentioned in our previous response, we remain willing to work with the consumer to resolve this account in a manner that is fair and mutually agreeable. We encourage her to contact ***** ******* at ************** or via email at ********************************** Mr. ******* is fully authorized to discuss and settle this matter through any beneficial arrangement.
  We are committed to ensuring all communications remain professional and respectful, and we take the consumers concerns seriously. If there are any specific examples of inappropriate language, we encourage her to provide further details so we can review and address them appropriately.
  We hope this response satisfies the BBBs inquiry and facilitates a resolution. Please let us know if additional information is required.

  Customer Answer

  Date: 12/13/2024

   
  Complaint: 22671705
  
  I am rejecting this response because:
  
  
  I am rejecting your response regarding the balance on my account. At no point have I acknowledged any obligation or made any promise to pay this debt.
  
  If there is a balance due for the medical services rendered, I must emphasize that I never received an invoice, final notice, or any other communication from ********************************* before this account was sent to collections. I do not believe it was appropriate for this matter to be transferred to collections without first providing me with a reasonable and legally compliant attempt to notify me of the balance due.
  
  Therefore, I request that you provide evidence of a valid, reasonable attempt by the provider to notify me of any balance before the account was sent to collections. This would include copies of invoices, final notices, or any other written communication that was sent directly to me.
  
  If it can be substantiated that a legitimate debt existed and that a compliant effort was made to collect that debt from me before the account was transferred to collections, I am willing to pay the original amount due, as it would be fair and just. However, I do not believe it is fair to require payment of any amount above the original balance, especially when no substantiation of the debt, nor any attempt to invoice me prior to collections, has been provided.
  
  Additionally, I was deeply concerned by the tone and language used in your prior communication, specifically the suggestion that I better get a lawyer because Ill need it. Such language is unprofessional and inappropriate. I expect all future communications to be respectful and free from threats or intimidation. It is my right to seek clarification and dispute charges, and I expect to be treated accordingly.
  
  I trust you will address these issues and provide the requested documentation. Until then, I do not believe this matter has been appropriately handled, and I will not consider payment of any balance beyond what is fairly due.
  
  Sincerely,
  
  ******* ******

• Initial Complaint

  Date:11/07/2024

  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.

  I am not liable for the this debt with *****************************************. I do not have a contract with Credit ************ They do not provide me with the original contract as I requested.

  Business Response

  Date: 11/08/2024

  Thank you for bringing your concerns to our attention.
  We received Explanation of Benefits (EOB) documents from WorldWide Seguros indicating payments from ***************** related to services provided by ****************************************************** on 10/5/2020. However, upon verification with the provider, they were unable to locate records of these payments. When they contacted ***************** (UHC) for confirmation, *** could not verify that the payments were issued.
  Additionally, ********* Seguros informed us that, for the date of service on 10/5/2020, they initially issued a payment of $5,700, followed by a second payment of $5,000. As proof, they provided a check number ***********) for the $5,000 payment, issued on 12/12/2023. Unfortunately, the provider has confirmed that neither of these payments was received.
  To move forward, we recommend requesting proof of cashed checks so we may investigate this matter further with the provider and resolve any outstanding questions about these payments.
  We remain committed to assisting with your concerns and encourage you to reach out directly to ***************** or ********* Seguros if additional details are required.

• Initial Complaint

  Date:11/04/2024

  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 writing to formally dispute the account referenced as Account #***************, with a balance of $1,189. I request an immediate cease in reporting this collection account to my consumer report, as permitted by the Fair Credit Reporting Act (FCRA) and other federal laws. This letter also serves as a Cease and Desist from further reporting or attempting collection of this account until full validation is provided and the dispute is resolved.Under 15 U.S. Code 1681s-2 outlines your responsibilities as a furnisher of information to consumer reporting agencies, which includes the requirement to verify information as accurate and specific to me before reporting it.I am disputing the validity of both the account and the alleged debt amount. Therefore, under 15 U.S. Code 1681c-2, I am invoking my right to request the removal of this account within four (4) business days of your receipt of this letter. As I believe this account was either reported erroneously or has resulted from identity theft, the **** requires you to block and delete the information swiftly upon such notice.Furthermore, Credit Counsel **** has not met its obligations as outlined in 15 U.S. Code 1692g under the Fair Debt Collection Practices Act (FDCPA), which requires initial validation of any alleged debt. No communication was made to validate this debt as mine or to confirm its accuracy prior to reporting it to consumer reporting agencies.Failure to comply within four (4) business days with my request to cease reporting this disputed information may result in legal action under 15 U.S. Code 1681n, which addresses civil liability for willful noncompliance with FCRA requirements. I will not hesitate to pursue damages should you fail to meet the requirements under the law.Please confirm receipt of this letter and notify me in writing once the account has been removed from all reporting agencies.

  Business Response

  Date: 11/05/2024

  We are in receipt of your dispute regarding Account #***************, with a balance of $1,189, reported by the original creditor, ************** and now managed by Credit Counsel, Inc. We understand your concerns and would like to clarify our position and actions taken under applicable federal laws.

  After a thorough review, we have verified that this debt is valid. We have attached the following documents to support our validation of the debt: (1) Signed Contract with ************** This document confirms that you acknowledged and agreed to be responsible for payments, including additional fees, in the event of any unpaid balance being sent to collections. (2) Email Correspondence: This communication shows prior exchanges between you and ************* representatives, affirming your awareness of the debt and the balance due. (3) Credit Card Authorization and Statements: These documents further substantiate your authorization to charge you bank card for the membership dues. (4) Co-Signer Documentation: Your spouse, ***** ******, also signed the membership contract and is listed as a responsible party. Thus, he too is liable for this debt, and his contact information, along with business details (as the owner of J&A **************), has been noted in the account records.

  
  In compliance with both the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA), Credit Counsel, Inc. has taken all necessary steps to validate this debt and to ensure accurate reporting to consumer credit agencies. Per 15 U.S. Code 1681s-2, we are obligated to verify the accuracy of our reporting and believe we have met all requirements to validate this account.
  While we understand your request to cease reporting, please note that credit reporting agencies are legally entitled to maintain accurate information on consumer accounts, and this debt remains valid and payable. Additionally, as per your request, we are confirming receipt of this communication and documenting it in your account file.
  Should you have any further questions or wish to discuss payment options, please feel free to reach out. We are committed to working with you toward a resolution.

  Customer Answer

  Date: 11/06/2024

   
  Complaint: 22513074
  
  I am rejecting this response because:

  To Credit Counsel ****:
  Thank you for your response regarding the alleged debt, Account #***************.

  Please be advised of the following:
  Document Verification: Your message claimed to attach documents verifying the alleged debt, including a signed contract, email correspondence, credit card authorization, and co-signer documentation. However, no such documents were provided in your response. Per the Fair Debt Collection Practices Act (FDCPA) 809(b),

  I request all documentation supporting this alleged debt, including:

  A copy of any signed agreement specifically verifying my consent to this debt, signed by myself and my husband, ***** ******.
  A detailed audit trail showing the calculation and payment history of the alleged balance.
  Documentation showing my authorization for you to report this debt, with explicit, verifiable consent for using my information.

  Request for Further Proof:
  The Agreement that grants you the authority to collect on this alleged debt.
  A copy of your state license, including the license number allowing you to collect debts in my jurisdiction.
  A purchase agreement showing transfer of ownership, if applicable.
  A sworn statement under penalty of perjury confirming that you were present to verify the legitimacy of the alleged debt.
  Documentation confirming the chain of custody for the account to validate all hand-to-hand transfers.
  Fair Credit Reporting Act Compliance: Under 15 U.S. Code 1681s2, furnishers of information must ensure all information reported is accurate. Reporting false or unverifiable information on my credit report is a violation, and this will be reported to the ************************************ (****) and my State Attorney Generals office.

  
  FDCPA Violations:
  Harassment and Abuse: I believe Credit Counsel **** may have violated 15 U.S. Code 1692d, which prohibits conduct that harasses or ***** ones reputation.
  

  Deceptive Forms: As outlined in 15 U.S. Code 1692j, no third-party company is permitted to furnish forms creating a false impression of an obligation, if it lacks true participation.
  

  Cease and Desist: As per 15 U.S. Code 1692c(c), I am formally requesting that you cease all communication regarding this matter, except to provide validation of this debt by U.S. mail.

  I will not accept further communication unless it is for the purpose of providing accurate and thorough debt verification.

  As outlined previously, please provide all requested documents that verify the alleged debt, including signed agreements, the full account audit trail, and all other documentation requested.

  In addition to these requests, I am invoking my right under 15 U.S. Code 1681c2 to request a 4-day Block and Delete of this account from my ********************** report. This action should take effect until the alleged debt is fully validated, given my status as a victim of identity theft and multiple data breaches over the past 10 years. At this time, I dispute the validity of this debt as being mine. To date, I have not contracted with Credit Counsel ****, nor have I given permissible use of my personal information to you or provided authorization to report on my behalf. This includes any mention or use of my husbands information, which was neither given directly nor permissibly used by you.

  
  Your actions also appear to contravene 15 U.S. Code 1692e 807, as they present false or misleading representations, specifically:
  (2) False representation of the character, amount, or legal status of the alleged debt.
  (8) Communicating or threatening to communicate credit information that should be known as false, including failure to indicate that this debt is disputed.

  Should you fail to provide both the4-day Block/Delete request or sufficient proof within the legally required timeframe, or either one, I reserve the right to pursue legal action under 15 U.S. Code 1681o (civil liability for negligent noncompliance) and 15 U.S. Code 1681n (civil liability for willful noncompliance), along with 15 U.S. Code 1692k for damages resulting from reputational harm.
  

  Kindly ensure all requested information is sent within 15 days, or remove this entry from my credit report.
  

  Thank you for your cooperation.
  
  Sincerely,
  
  ********* *******

  Business Response

  Date: 11/06/2024

  Thank you for your response and for sharing your concerns. We understand that you are seeking additional information regarding the alleged debt associated with Account #***************.
  
  In my previous response, I provided the following documentation to validate the debt:
  
  1. Signed Agreement Both you and your husband, Mr. ***** ******, signed an agreement with ************** which clearly outlines the terms of the membership and the financial obligations. This signed contract constitutes your consent to the debt, and it is enforceable as a binding agreement.
     
  2. Account Statements The payment history, along with the balance owed, was provided as an audit trail in the previous communication. These statements reflect the charges and payments made, as well as the outstanding balance.
  
  Regarding your request for further documentation:
  
  - Authorization to Collect and Report Debt: We are not required to provide proof of our authorization to collect this debt. Credit Counsel, Inc. is acting as an agent on behalf of *************, and the terms of the original agreement authorize the collection of this debt. As stated in the Fair Credit Reporting Act (FCRA), collection agencies and creditors have the right to report accurate information to credit reporting agencies without prior consent, provided the information reported is accurate. As stated in my prior response, the information reported to the credit bureaus is correct and in accordance with applicable law.
  
  - Further Documentation: The additional documentation you have requested, including proof of the debt transfer, audit trail beyond the statements provided, and sworn statements under penalty of perjury, is not required under the law. These requests appear to be an attempt to avoid addressing the underlying responsibility for the debt. All necessary documentation has already been provided in accordance with the requirements for validating this debt.
  
  At this point, we have fully complied with the necessary validation and reporting requirements, and we believe that the information provided sufficiently demonstrates the validity of the debt.
  
  We remain open to resolving this matter in a way that is fair and agreeable to both parties. If you are willing to cooperate and work toward a resolution, we are happy to discuss potential options that will allow for the settlement of this account.
  
  We look forward to your prompt response and to finding a resolution that works for all parties involved.

  Customer Answer

  Date: 11/06/2024

   
  Complaint: 22513074
  
  I am rejecting this response because:

  Dear Mr. ****** *.,
  

  Thank you for the opportunity to respond regarding Complaint ID ********, submitted against Credit Counsel **** on November 4, 2024.
  

  Upon reviewing Credit Counsel ****'s response, I must assert that their reply is wholly inadequate and fails to address the primary issues of improper debt reporting, unauthorized information disclosure, and failure to provide legally mandated validation of the alleged debt. I reiterate that the debt reported by Credit Counsel **** on behalf of ************* is fraudulent and invalid, as it arises from unauthorized actions and aggravated identity theft, resulting in significant harm to my reputation and financial well-being.

  
  Key points to my objection are as follows:
  

  Lack of Legal Validation of Debt: Despite multiple requests, Credit Counsel **** has not provided sufficient documentation to substantiate the legitimacy of the debt as required under the

  Fair Debt Collection Practices Act (FDCPA). Specifically, they have failed to produce:
  Proof of my authorization for any debt beyond the initial 12-month membership agreement with *************, which expired on March 24, 2023.
  Proper documentation that validates the transfer or authorization for Credit Counsel **** to collect or report this debt.

  Detailed audit trails and an accurate account history that would reflect any legitimate outstanding balance, if any existed, which it does not.

  
  Violation of My Rights Under the **** and FDCPA: As outlined in my prior communications with *************, the Fair Credit Reporting Act (****) under 15 U.S. Code 1681c2 provides for the blocking and deletion of information that results from identity theft. Since the alleged debt is fraudulent and arises from aggravated identity theft, I am entitled to have it permanently removed from my credit report. Continued attempts to report this debt or collect on it without proper validation are not only a violation of **** standards but also constitute willful noncompliance under 15 U.S. Code 1681n, which entitles me to statutory and punitive damages.

  
  Cease and Desist and Further Legal Consequences: I have formally requested that all collection activities related to this fraudulent debt cease immediately. Any further attempts to collect this alleged debt, including ongoing references to my husband, who was neither present at the signing nor authorized any contract extensions, will be construed as harassment. These actions expose Credit Counsel **** and ************* to civil liability for slander, defamation, and harassment.

  
  Response Timeline: Credit Counsel **** and ************* have been notified of the required compliance deadline of November 8, 2024. Failure to meet this deadline and remove the disputed debt will result in my taking full legal action, including claims for actual damages, statutory damages, legal fees, and punitive damages under **** provisions.

  In conclusion, the response provided by Credit Counsel **** is unsatisfactory, and the only acceptable resolution is the immediate removal of this fraudulent debt from my credit report. Credit Counsel **** and *************s refusal to provide the legally mandated documentation and their continued collection efforts demonstrate a clear disregard for federal laws protecting consumer rights.

  I look forward to your assistance in ensuring that my rights are upheld and that this matter is resolved promptly.
  

  Please feel free to reach out if additional documentation or clarification is needed.
  

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

• Initial Complaint

  Date:10/09/2024

  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 writing to file a formal complaint against Credit Counsel, Inc., regarding their ongoing harassment and attempts to collect a debt that is not valid.Details of the Complaint:Nature of the Dispute: I am being pursued for payment of a debt related to medical services rendered at ****************. However, this debt is erroneous, as ***************** has already covered the costs in full as explained in my EOB and I have paid all co-payments.Harassment and Collection Attempts: Despite my attempts to resolve this matter directly with Villa Las Palmas and the debt collector, I have received multiple calls and written communications from them, which I consider to be harassment. I have informed them of the insurance payment, yet they continue to pursue the matter aggressively.Allegations of ******** Fraud: The actions taken by **************** and Credit Counsel, Inc. appear to constitute ******** fraud, as they are attempting to collect payment in excess of $10,000 for services already covered by my prior insurance and ******** and bill multiple times. This not only ***** my financial standing but also undermines the integrity of the ******** system.Actions Taken: I have kept a detailed record of all communications with the creditor and the medical facility. I have also contacted ******** to report this issue and am seeking their guidance on further steps with a CMS complaint as well. Resolution Sought: I kindly request that the Better Business Bureau investigate this matter. I would like Credit Counsel, Inc. to cease all collection attempts and correct their records to reflect that this debt is invalid. Additionally, I urge you to look into the practices of **************** concerning their billing procedures.Thank you for your attention to this matter. I hope for a swift resolution and look forward to your response.

  Business Response

  Date: 10/17/2024

  Credit Counsel, Inc. takes all complaints seriously, and we appreciate the opportunity to address your concerns.
  
  Our records indicate that the debt in question is valid and remains your responsibility. We understand that you have filed an appeal with your insurance provider to grant coverage for the services rendered from 1/1/2023 through 1/31/2023. However, unless your insurance provider has fully processed and paid for these services, the outstanding balance remains due.
  
  To resolve this matter, we kindly request that you provide a copy of the Explanation of Benefits (EOB) or any other documentation that clearly shows payment by your insurance provider, including the dates and amounts covered. This will allow us to review and verify the information against the outstanding balance. Until we receive such proof of payment, the balance will remain valid, and we must continue our collection efforts.
  
  Additionally, please note that Credit Counsel, Inc. is fully compliant with all federal and state laws governing debt collection practices. If there are any errors in the insurance payment process, we encourage you to resolve those directly with your insurance provider. We are more than willing to adjust our records should valid proof of payment be provided.
  
  We look forward to resolving this matter swiftly and appreciate your prompt attention to this request.

• Initial Complaint

  Date:09/06/2024

  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.

  Credit counsel is reporting a negative collections. This is incorrect and credit counsel is illegally reporting a debt on my credit. I do not have a debt with perfect smiles or credit counsel. I want them to immediately correct my credit report and remove the negative collection.

  Business Response

  Date: 09/09/2024

  Dear BBB Representative,
  
  Thank you for bringing this matter to our attention. We would like to clarify the situation regarding the consumer's claim.
  
  The balance reported by Credit Counsel, Inc. pertains to a valid debt owed to Perfect Smiles, the original creditor, for dental services provided to the consumers daughter, ********* ****. The services included orthodontic treatment and retainers, among other dental procedures.
  
  In our records, we have a detailed statement from Perfect Smiles outlining the balance. While the statement shows a $0 balance due to accounting adjustments, the past due amount of $1,414.40 remains unpaid. The two adjustments listed$1,126.40 and $288total the exact balance of $1,414.40 that was past due at the time.
  
  Additionally, we have a signed intake form from the consumer at the time of the initial service, confirming their agreement to these services and associated charges. Copies of both the statement and the intake form will be attached for your reference.
  
  Based on this information, the collection being reported is correct and reflects the outstanding balance owed to Perfect Smiles.
  
  Please let us know if further clarification or documentation is needed.

• Initial Complaint

  Date:07/17/2024

  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.

  I only had a consultation with the business, but I did not sign any contract agreeing to any kind of service. I have also already called several times about this issue. Please add these documents to your file, and in the future, I would like to NOT be contacted about a debt that I should not have been charged in the first place. This is ridiculous. The representative rudely hung up the call when I was trying to say that this particular contract is void. The last 2 pages on the document that you sent were clearly attached. I NEVER signed a document that necessitated PAYMENT. Like I said multiple times before, I NEVER signed a document that included the continuation of services or payment rendering terms. That is also why Net Reputation doesnt have my payment information. Unbelievable how many times you wont listen. I will not be paying the $500 and will instead be using the $500 to reach out to a lawyer instead to discuss my rights in this situation. Really frustrating that you keep calling me, then hanging up on me, and calling me all sorts of rude names when I try to explain my situation.

  Business Response

  Date: 07/18/2024

  The consumer signed an agreement with my client, Net Reputation, for the removal and/or de-indexing of a link. The link is provided in the contract that the consumer electronically signed. Attached also is the Signature Certificate. The contract clearly statements the service that will be provided and the cost of the service.

  Customer Answer

  Date: 07/19/2024

   
  Complaint: 22002958
  
  I am rejecting this response because: 

  Like I stated earlier and tried to explain over the phone before the call was rudely hung up on me by ************** (concealing your first *pseudonym* name for your own sake since I saw a plethora of complaints on other bureaus about you over the past several years, not a single positive or even, neutral review) every single time, the document that you sent clearly had the last 2 pages attached. Im willing to discuss any questions or concerns like I stated many times beforehand. Maintaining a sense of professionalism and just deploying common manners do not take much effort, but you choose to live your life degrading others. Id rather talk to the original creditor than the heartless representative who keeps on saying that he does not care to spend a few seconds to just stop and not yell over another human being. But thats okay. Being uncaring and not caring about anyone else is his entire lifes occupation, which is ultimately pretty sad. So I understand and am forgiving. 

  Business Response

  Date: 07/19/2024

  Thank you for your continued communication regarding this matter. I want to clarify that I am not the individual you previously dealt with; I have taken over this case to ensure a professional and respectful resolution. I have reviewed your concerns thoroughly. It is important to note that the contract you signed clearly outlines the services provided and the associated payment terms. These services were performed as agreed, and payment is now due. We strive to maintain professionalism in all our interactions, and I apologize if you feel that was not the case previously. My goal is to handle your complaint in a courteous and respectful manner. Unfortunately, given the terms of the signed contract, there is no room for negotiation regarding the payment owed. We are simply adhering to the agreement made. If you have any further questions or require additional clarification, please feel free to reach out to me directly. I am here to assist and ensure that all communication remains constructive and professional.

  Customer Answer

  Date: 07/19/2024

   
  Complaint: 22002958
  

   

  Thank you for being more professional than the ************** Rep. I do appreciate it. 

  
  

• Initial Complaint

  Date:06/28/2024

  Type:Product 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 keep getting calls from Mr. ******************* on behalf of Credit Counsel ***** I get these calls from " No Caller ID " , these calls are harassing's and I have very unprofessional voicemails from ****************. He claims he sends me emails, text messages which I have not received. I made 2 payments to this company and only received a receipt for one payment. But the calls and voicemails I receive from this person are completely unprofessional, he leaves me sarcastic and threatening voicemails. As " is so professional of you not answering my calls, and sending my calls to voicemail every time I call ... Ms. **** saying is such a nightmare to call you is an understatement. "

  Business Response

  Date: 07/18/2024

  Good afternoon. You can reach out to ************************* ************ or via email at *********************************

  Customer Answer

  Date: 07/23/2024

   
  Complaint: 21914895
  
  I am rejecting this response because: I have tried calling the number provided by ****************** ************** and an auto service answer machine comes out . I tried entering the last name , and the machine says is invalid. I tried sending email to ****************** and i have not received any response . I sent another follow up email today as well . On another note, the harasing calls continue from Mr. ******************* , i receive daily calls from no caller id from him . Once he calls 3-5 times back to back he then leaves a voicemail . 

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

  Business Response

  Date: 07/28/2024

  We have communicated with the complainant. The complainant offered a solution but we sent her a counter-offer. We have not heard back from the complainant since July 24, 2024. We followed up with the complainant on July 26, 2024 but still no response back.