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:09/11/2024

  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 get a notice from my job that I have a garnishment , never received mail and they know my address, illegally got my wages garnished and has no way of showing how much is paid off or when the garnishment will end. I never went to court , I was evicted after breaking my lease cause of horrible living conditions, gun violence, rats, no stove/oven , flooding. So I contacted *** and they know we moved. Yet tried to get like 9 to 12 grand and the courts denied that and only approved 3. I cannot wait till I go to court to prove how much of a scam this is and Ill be asking for all of that money back with attorney fee , pain and suffering . Everything yall did to get this garnishment has been lies and its a shame that the courts even allowed the 3000. So now I have to figure out how much I actually paid so that I can sue for that amount back and more. This is all bad practice and you need to be ashamed of yourself. This is just nonsense and Ill have my actual day in court. I have videos, photos , text logs with pmi I have everything !

  Business Response

  Date: 09/16/2024

  September 16th, 2024
  
  Better Business Bureau
  Dispute Resolution Department
  *************************
  **************, *******; 63102
                                                                          RE:  **** *******
                                                                          ID:  ********
  
  To Whom It May Concern:
  
  Specified Credit Association received **** ******* ******* June 8th,2023 for a past due rental balance.   Our client obtained a Judgment on May 2rd, 2023.    The Judgment was unpaid and our client turned this account to our office for collection.
  
  SCA sent letters to every address we obtained and left messages on all the cell phone numbers we received.  We did attempt to speak with Mr. ******* on June 29th, 2023 and as soon as we identified ourself he hung up.    After multiple attempts and leaving messages, the phone was disconnected.  Since there was no communication with Mr. ******* SCA had no other alternative except to pursue a garnishment.
  
  If Mr. ******* is disputing the balance, it is best to contact our attorney.   Below is the information:
  
                                      Heavner, Beyers, & Mihlar, LLC
                                      ************************
                                      *******, Ill   62523
  
                                      ************
  
  If you would like further explanation or I can help further please let me know.
  
  Sincerely,
  
  
  **** ********
  Sales Manager

   

• Initial Complaint

  Date:08/29/2023

  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.

  About 3 months ago I received a paper in the mail stating that I owed a debt and I contacted to company to request record of this debt from 5 years ago that was already paid off. I got a call today, 08/29/2023, stating they were trying to collect a debt. From the get go the agent, ***** *****, was rude. I told her I had requested record of the debt and I never got it and she proceeded to tell me that they were not wasting postage on sending me another one and I told her that I was not willing to pay something if there can't be a record of it. She started yelling at me and said "so, you're not willing up to set up a payment " and I told her "no, not for something that you're not willing to send me record of, so you can send it to my credit and I will take care of it later" and she proceeded to yell at me and say "its way more than that, good luck" and then hung up the phone.

  Business Response

  Date: 08/30/2023

  August 30th, 2023
  
  
  Better Business Bureau
  Dispute Resolution Department
  *** ** ********* *** **** *** ****** ** *****
  
                                                                          RE:  ID:  ********
                                                                                  **** *****************
  
  To Whom It May Concern,
  
  In response to the above complaint from **** *****************, Specified Credit Association received this account September 21st, 2021 due to nonpayment of an unpaid cash advance loan.  Attached is a copy of the signed agreement, returned check, payment ledger showing she made 2 payments in 2018 along with other documents to prove the debt was owed.  Attached also is our first letter dated September 23rd, 2021 to the address on file.
  
  Our representative contacted her several times and Ms. ********** requested we send her the documents to prove the debt was owed.  We mailed those documents June 1st, 2023 to the address provided.  Since February, 2022 our attempts to contact her have been blocked.
  
  SCA has complied with her requests and have not violated any laws.  Ms. ****************** debt is not paid and we will be happy to work with her to set up a payment plan however if she does not respond we will move forward and send this to our attorney for restitution.
  
  Please let me know if you have further questions.
  
  Sincerely,
  
  
  **** ******** ***** ******* *************************

  Customer Answer

  Date: 08/31/2023

  Complaint: ********
  
  I am rejecting this response because:
  
  I paid the loan off with cash and was never given a receipt, as I rejected it, because I felt the worker was fair. May I also add that the business is no longer opened at that location either. Also, I told the representative that I did not receive the paperwork and requested that another one to be sent and she told me "We are not wasting another postage to send it you". If you could please send it to my office. I work at the Missouri State Public Defenders Office in Rolla MO and the address is *** ***** **** ****** ***** *** ****** ** ***** and I would love to have one of my attorneys look over it and be prepared as I do not believe it is fair that I paid this loan off over 5 years ago. 
  
  Sincerely,
  
  **** **********

  Business Response

  Date: 09/08/2023

  SPECIFIED CREDIT ASSOCIATION, INC.
  **** ******* **** ***** **** ******** ******** ********* ***** ***** ************ * *** *** ************ ***********************
  September 7th, 2023
  
  
  Better Business Bureau
  Dispute Resolution Department
  *** ** ********* *** **** *** ****** ** *****
                                                                          RE:  ID:  ********
                                                                                  **** *****************
  
  To Whom It May Concern,
  
  In response to the above rebuttal complaint from **** ****************** Ms. ******-********** signed the contract for a $400 loan.   She did make 2 cash payments however the balance was never received per our client.  Proof of the loans and payments made were sent in my initial response and per the federal law the statute of limitations is 10 years on a signed contract. 
  
  Currently Ms. ******-********** has contacted our office and we are negotiating a mutual settlement agreement.
  
  Sincerely,
  
  
  **** ******** ***** ******* *************************
  

• Initial Complaint

  Date:02/01/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was enrolled in title boxing club for a couple months last year and ended up hurting my wrist so I stopped going and told them to cancel my membership. They told me they would not cancel and I needed to give a months notice and I still needed to pay the 100+ $ for the month. I told them I would not and that they needed to cancel my membership as I would not be going back. Was sent an email that membership was canceled and then received calls about how I still owed them money for the month. After a few weeks they stopped calling now a year later I receive a bill in the mail for 600+$ saying I need to pay this absurd amount?? They can’t keep billing me for a membership I don’t use because I can’t pay 100$ to cancel in the first place.

  Business Response

  Date: 02/02/2023

  Specified Credit Association, Inc.
  **** ******* **** ***** **** ******** ******** ********* ***** ***** ************ * *** *** ************
  
  
                                                                                      February 2nd, 2023
  
  Better Business Bureau
  ******* ********** ********** *** ** ********* *** **** *** ****** ** *****
                                                                                      RE:  ID: ******** ***** ********
  
  To Whom It May Concern,
  
  In response to the above complaint from ***** ********, Specified Credit Association received this account December 14th, 2022 due to nonpayment of a fitness club membership.  Attached is a copy of the fitness agreement signed February 1st, 2022.   The membership was to end September 1, 2022.
  
  Our validation letter was mailed December 14th, 2022 to the address on file.  Mr. ******** gave you a copy of our validation letter initially.  Our representative contacted him several times and with each conversation he has refused payment or disconnected the call.  
  
  According to the club, his membership was to be cancelled in person however he had continually refused.    After review of the cancellation attachment from Mr. Hennessy, our office is not convinced it is valid however since he continually refuses restitution we have closed the account.   There will be no further contact with Mr. ********.
  
  Attached is the club membership agreement.    If I can answer further questions please email or call anytime.
  
  Sincerely,
  
  
  **** ********
  Sales Manager
  
  *************************

   

  Customer Answer

  Date: 02/06/2023

  Could you clarify which account you are referring to, and do I still owe anything?

• Initial Complaint

  Date:06/16/2022

  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.

  They have reached out to me regarding a debt I do not owe. It has been paid off. I have documentation that it has been paid. I told them I could send them information that can prove this. They told me it doesn't matter and hung up on me. Now they have blocked my number. I will send paperwork that I do not owe this debt.

  Business Response

  Date: 06/16/2022

  Specified Credit Association 1, Inc.
  **** ******* **** ***** **** ******** ******** ********* ***** ***** ************ * *** *** ************ ***********************
       June 16th, 2022
  
  Better Business Bureau
                                                                                      RE:  ID # ******* ******* ******
  To Whom It May Concern:
  
  In response to the above complaint, SCA received this account March 21st, 2022 from ********** ******* ********** as a past due account. 
  
  The validation letter was mailed the same day to the last known address.  Our collection representative left several messages and she finally spoke with her on April 4th, 2022 at 3:49pm.  At that time Ms. Thomas stated this was paid.  She stated she left the apartment in immaculate condition and she was going to obtain an attorney.  At that point we mailed her the documents showing her balance due from the apartment.
  
  Our representative did speak with Ms. ****** again on April 11th at 10:05am and she stated she does not owe this debt and she has proof which included a receipt.   She also stated she was working with Allison at the corporate office.   At that point I spoke with the apartment Manager and Assistant Manager and they stated the balance was not paid.    The client claims Ms. ****** was informed the debt was due and unpaid.   We attempted to call Ms. ****** 3 times and she continually hung up on our representative.
  
  We finally did speak with Ms. ****** again and we told her if this was paid, we needed proof of payment.  At that point she stated she was coming to our office at 8:00 am and we had better have the police here.     Our calls are recorded.  If you would like to have a copy, please let me know. 
  
  We have continually asked for proof of payment which we have not received.   Our telephone system does not have the capability of blocking phone numbers.  We will be happy to work with Ms. ****** if she would like to set up a payment plan.  
  
  Attached is our validation letter showing her balance due.   Please let me know if I can answer further questions.
  
  Sincerely,
  
  **** ********

  Customer Answer

  Date: 06/17/2022

  Complaint: ********
  
  I am rejecting this response because:
  
  I’ve already paid I did email multiple times that I have paid I even sent the receipt from Allison. As of May 10, 2022. You are know that I sent over this paperwork and send it multiple times
  
  Sincerely,
  
  ******* ******

  Business Response

  Date: 06/20/2022

  
  **** ******* **** ***** **** ******** ******** ********* ***** ***** ************ * *** *** ************ ***********************
  
                                                                          June 20th, 2022
  
  
  
  Better Business Bureau
  
  
                                                                          RE:  ID # ********
                                                                            ******* ******        
  
  
  To Whom It May Concern:
  
  In response to the second complaint from Ms. ****** she claims proof was sent to our office however we did not receive any documents.   If the documents would have been sent in the beginning this could have been resolved much faster.
  
  After contacting our client, they did verify the account was paid with 2 money orders of $500 and $340.  They also apologized for not informing our office.
  
  As of today, this file is closed.  No other actions will be taken.   This account was not reported to any credit bureaus.
  
  I have attached a paid-in-full letter for Ms. Thomas.   We apologize for the inconvenience.
  
  Sincerely,
  
  
  **** ********
  Sales Manager