Current Alerts For This Business
BBB files indicate a pattern of consumer complaints filed against this business. On January 8th, 2024, BBB submitted a written request to the company encouraging them to address the pattern of complaints. As of 2/28/2024, BBB has received a sufficient response from the business who is actively working on the patterns below with the actions included.
-Consumer’s report having difficulty disputing charges.
- We understand the concern listed. Harvard offers several different ways for a consumer to dispute a debt, many of which are mentioned in our initial notice. A consumer may dispute a debt via phone, via mail, via email, and via our website.
-Consumer’s report incorrect or fraudulent accounts on their credit report
- All accounts assigned to Harvard are assigned by a client. Harvard works diligently within the reporting guidelines to report accounts when permissible and to make the appropriate updates or removals when accounts are disputed, closed, or the status of an account requires a change.
-Consumer’s report disputing charges that were removed then later added again
- Harvard has procedures to ensure accounts that are disputed remain as disputed on the credit report or are removed completely when appropriate. Additionally, we have procedures in place to review accounts for re-assignment after receipt of a placement by a client.
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Complaint Details
Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.
Initial Complaint
09/08/2021
- Complaint Type:
- Billing Issues
- Status:
- Answered
This collection agency has violations of the laws particularly Section 807 of FDCPA (15 U.S. Code ****e) in the sense that they were using deceptive and misleading representations for collecting the debt. Moreover, it is their obligation to delete the account due to multiple violations of the law as well as they need to stop furnishing inaccurate information to the credit reporting agencies. I am willing and I will be forced to take legal steps if this creditor will not ***** my request for the removal of the derogatory items that they have reported. Please help me so that they will already stop their deceptive practices.
Business response
09/09/2021
Thank you for your recent correspondence. We appreciate the opportunity to respond tothe concerns of the consumer regarding the activity of Harvard CollectionServices.
We have noted the dispute in our records and initiated theprocess for the item to be removed from the credit report of the consumer. The account is on hold pending closure basedon the complaint.
If we can be of furtherassistance, please feel free to contact us at ************.
Sincerely,
Harvard Collection ServicesInitial Complaint
09/06/2021
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
This company has reported a derogatory report to the credit bureaus in error and it has negatively impacted my credit score. I do not know who this company is I have never been in a business relationship with them or any of its affiliates. They have no permission to do this.Business response
09/08/2021
Thank you for your recent correspondence. We appreciate the opportunity to respond tothe concerns of the consumer regarding the activity of Harvard CollectionServices.
We have noted the dispute and cease request in our recordsand initiated the process for the item to be removed from the credit report ofthe consumer. The account is on holdpending closure based on the cease request from the consumer.
If we can be of furtherassistance, please feel free to contact us at ************.
Sincerely,
Harvard Collection ServicesCustomer response
09/09/2021
Complaint: 15838888
I am rejecting this response because: I need more clarity on what the business mean by "The account is on hold pending closure based on the cease request from the consumer." do I have to write a letter to them asking them to cease? I don't think it is my duty to ask them to remove something that should not have been placed on there in the first place, however if it has to be done to quickly resolve this matter then be clear what I have to do to help it. I need proof they have completed the process to remove it from my credit before this case is closed.
Sincerely,
*********************Business response
09/14/2021
Hello,
We apologize for the lack of clarity in our response. What we meant by on hold pending closure meant that upon receipt of the complaint the matter was placed on hold and it would be closed through a closing process as well as removal from the *** in the next days. Since the sending of our prior response the account has been closed in our office and we have requested removal from the credit report.
Sincerely,
Harvard Collection Services
Customer response
09/14/2021
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
09/01/2021
- Complaint Type:
- Product Issues
- Status:
- Resolved
I paid a **** on Monday 08/30/21, requested an emailed receipt, and was told that the receipt would be emailed to me by 1 PM that day. Tuesday 08/31/21 I still had not received a receipt of payment, so I called the collections agency and let the representative know and he told me I would have to wait a 24 hours before getting a receipt. I then told the rep that it had in fact been ***************************************************************************************************** the system, apologized, and said I would receive an emailed receipt by the end of the day (08/31/21). Wednesday, 09/01/21, I still have not received a receipt. I call the agency yet again and let the rep know. The ********** the request was never put in once again and says he will send a request and I will receive a receipt in 4 days.. I told him I needed an emailed receipt, we verified my email address once again and the rep said I should receive the receipt by the end of the day today (09/01/21). We'll see.Business response
09/03/2021
Good Morning,
We regret any inconvenience. Our records indicate the email receipt was mailed and emailed on September 2, 2021. We hope it was received.
Regards,
Harvard Collection Services
Customer response
09/03/2021
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,
***************************
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Customer Complaints Summary
151 total complaints in the last 3 years.
45 complaints closed in the last 12 months.