ComplaintsforSecurity Credit Services, LLC

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Current Alerts For This Business

Pattern of Complaint:

Security Credit Services, LLC (SCS) was formed in 2023 as a privately held Mississippi Limited Liability Company. SCS purchases defaulted receivables primarily from banks and credit card issuers which consist of both consumer and commercial receivables. Our best-in-class network of third-party collection agencies and law firms work directly with consumers to resolve their outstanding balances. SCS may furnish consumer account information to Credit Bureau Agencies pursuant to FCRA and CDIA guidelines and standards. The SCS executive team is led by industry veterans that have extensive experience in the account receivables management industry. SCS recognizes the importance of compliance and privacy of information and adheres to PCI DSS Standards. SCS is also a Receivables Management Association International (RMAI) certified company. As a RMAI certified company, SCS must adhere to uniform industry standards and best practices based on regulatory requirements. Compliance with the standards are monitored through independent third-party audits as well as through a structured self-compliance audit process. We invite consumers to contact us for more information about their accounts. SCS is available from 8 AM to 5 PM CST to answer any questions, which include verifying which partners can assist you with your account. SCS may be reached directly via email at cs@securitycreditservicesllc.com or by phone at 866-699-7889." After providing company business response to Better Business Bureau's concerns in question, we are confident the complaint concerns are being addressed. SCS is working with BBB of Mississippi to answer and/or resolve all customer complaints.

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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
02/09/2024
Complaint Type:
Billing Issues
Status:
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.
I called a debt collecton agency to settle a debt. They continually hang up the phone. I do not get an answer. I can't talk to anyone.
Business response
02/09/2024
Hello,
We apologize for any inconvenience. I'm not seeing where we have received a call in our office from you, but we will be happy to assist. Please call our customer service line at ************ or email us at *****************************.
Thanks!
Initial Complaint
11/06/2023
Complaint Type:
Billing Issues
Status:
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.
im not liable for this debt with ****************, i do not have. contract with security credit Services. they did not provide me with original contract as requested.
Business response
11/09/2023
Hello!
We will need additional information to locate your account as we are unable to find an account for you with the information provided.
Thanks,
Security Credit Services
Customer response
11/09/2023
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
Complaint: 20832829
I am rejecting this response because:
the businesss response is they dont have any information of an account. They are asking for additional information to located my account since they are unable to find an account.
this shows I have no connection with this and I need this to be removed off my credit immediately.
Regards,
*************************
Business response
11/09/2023
If you are certain Security Credit Services is the holder of the account and reporting on your credit, then we again will need additional information to locate you. If we do not have the correct information to locate you, then we are unable to remove your account from your ********************** report.
Thanks.
Initial Complaint
10/05/2023
Complaint Type:
Billing Issues
Status:
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.
I am being sued by said collection agency for an account that I have never heard about. I have tried contacting said collection agency with no luck getting any information back on fixing this issue. This is ridiculous. I now have to pay for a lawyer to defend myself in a case that I have zero knowledge of.
Business response
10/11/2023
Please see attached documents validating the account along with a letter addressing your concerns. There are also 2 other letters provided from our vendors collecting on our behalf advising you of this account earlier in the year.
Thanks,
Security Credit Services, LLC
Customer response
10/12/2023
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
Complaint: 20700526
I am rejecting this response because: I have never received any of those letters in the mail nor phone calls. This is ridiculous. Like I said; I will be retaining a lawyer and go against this debt as you have no provided any sort of information regarding previous attempts to collect said debt show in your documents.
Regards,
*****************************
Business response
10/16/2023
Please have your attorney contact our law office in regards to this account:
***********************************
PH: ************
Thanks,
Security Credit Services, LLC
Initial Complaint
10/05/2023
Complaint Type:
Billing Issues
Status:
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.
I am not liable for this debt with WORLD FINANCE ******* OF GEORGIA. I do not have a contract withSecurity Credit Services, LLC. They did not provide me with the original contract, as I requested.
Business response
10/09/2023
Please see attached documentation validating this account along with a letter addressing your concerns.
Thanks,
Security Credit Services, LLC
Customer response
10/10/2023
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
Complaint: 20699788
I am rejecting this response because: I am not liable for this debt. I *** not have a contract with Security Credit Services, LLC. They still did not provide me with the original contract as i requested. I demand this account be removed from my credit report.
Regards,
*****************************************
Business response
10/11/2023
While we are sensitive to the service requests of our customers, as a fair and responsible debt buyer, we are also required to report the true history of each account. Since we have confirmed the information reported for this account is accurate, we are unable to honor your request to delete the reporting of the account history. We sincerely regret that we are unable to resolve this matter to your satisfaction. As stated in your letter provided to you, this was an original contract and agreement with ************************* of Georgia, the account was charged off as a debt, therefore, Security Credit Services, LLC purchased your account as an owed debt so you would not have a direct contract with us.
Please reach out to our office for further concerns at ************.
Thanks!
Security Credit Services, LLC
Customer response
10/13/2023
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
Complaint: 20699788
I am rejecting this response because: i do not have a contract with Security Credit Services.
Regards,
*****************************************
Business response
10/16/2023
We have already explained to you in your letter and prior rejection response that this was an original contract and agreement with ************************* of Georgia, the account was charged off as a loss due to nonpayment, therefore, Security Credit Services, LLC purchased your account as an owed debt so you would not have a direct contract with us.
If you are claiming fraud or paid prior, then we will need documentation for proof. Otherwise, we will continue to deem this account valid and continue credit reporting.
Thanks,
Security Credit Services, LLC
Initial Complaint
10/02/2023
Complaint Type:
Billing Issues
Status:
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.
I recently got an alert from the credit bureaus adding a collection account to my **********************. I am not liable for this debt with *********** Credit nor do I have a contract with Security Credit Service. They did not provide me with the original contract as requested to validate this fraudulent account.
Business response
10/09/2023
Please see the attached documents validating your account along with a letter addressing your concerns.
Thanks,
Security Credit Services, LLC
Customer response
10/13/2023
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
Complaint: 20687617
I am rejecting this response because: It is clearly erroneous. I do not live in *************** ******* according to the contract that was generated on 06/2022. ************ stated that I opened the account in Aug/2022, which is a different month from the electronic signature. Also, it was electronically signed and not wet signed, meaning that the signature was generated and not an original. There are so many issues of incorrect information that if this account resurfaces, I will have no other choice but to file a lawsuit against them.
This item negatively affected my credit score. I want this erroneous account removed immediately from all credit bureaus and never sold to another company again. Failure to do so will result in filing a lawsuit with multiple laws broken. I do not even have a contract or account originating with the company that reported this account. Also, cease and desist from reaching out to me as well, although, I never received anything from this company. I was alerted about them when they added it to my credit file. I am a victim of identity theft and this is another account with proof of that.
Regards,
*****************************
Business response
10/16/2023
If you believe this account was opened fraudulently, please submit the documents below for our review:

Notarized Affidavit of Forgery
Copy of Police Report (account must be referenced)
Copy of Drivers License

Unless you provide this office with the documentation mentioned above within 30 days after receiving
this notice, this office will assume this debt is valid.
Thanks,
Security Credit Services, LLC
Customer response
10/17/2023
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
Complaint: 20687617
I am rejecting this response because:
Regards,
*****************************
Initial Complaint
09/28/2023
Complaint Type:
Billing Issues
Status:
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.
Unknown collection account on my ********************** file that i am not contracted with
Business response
09/28/2023
Please see attached documents for validation of the account and a letter addressing your concerns.
Thanks,
Security Credit Services,LLC
Initial Complaint
09/27/2023
Complaint Type:
Billing Issues
Status:
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.
I am not liable for this debt with SECURITY CREDIT SERVICES, They did not provide me with the original contract as i requested
Business response
09/29/2023
Please see attached documents validating your account along with a letter addressing your concerns.
Thanks,
Security Credit Services, LLC
Initial Complaint
09/24/2023
Complaint Type:
Billing Issues
Status:
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.
I am not liable for this debt with **************** LLC, I do not have a contract with Security Credit Services LLC, they did not provide me with the original contract as I requested.
Business response
09/25/2023
Please see attached documents for validation of account along with a letter addressing your concerns.

Thanks,
Security Credit Services, LLC
Initial Complaint
09/23/2023
Complaint Type:
Billing Issues
Status:
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.
I am not legally responsible for this account, I have disputed this account on multiple occasions but the business continues to charge me for an account that has been paid off and resolved. I have gone into my local world finance to ask them for a copy of the receipt and they refuse to give me one. The account was paid off in 2022 , world finance deducted the $1500 from my income tax check because they did my taxes . They refuse to give me a receipt saying it was the prior manager who was involved in this and they have no access to his files because of pending investigations . This account was originally opened in 2017 I kept refinancing the loan to keep my credit line open but decided to pay it off because the interest rate was incredibly high. It shouldn't even be on my credit anymore . every time I file a dispute they report it incorrectly and change the date to present day causing the account to look as if I just opened it. I have tried everything to get this resolved and off my credit . I have attached a screenshot from when I originally paid off the account which shows a balance is $0, last week they changed the balance on it again . This is a violation of my FCR rights . This was paid before it was ever sent to collections and the account number is incorrect as well .
Business response
09/27/2023
Please see attached documents validating this account along with a letter addressing your concerns.
Thanks,
Security Credit Services, LLC
Customer response
10/01/2023
Yes I have already tried to resolve this with them. I filled a credit dispute through equifax on various occasions throughout 2023, the last report filled was sept 20th and all they did was report it to the credit bureau again on sept 25, 2023 after I filled a report with the BBB . Please help me, I am widow mother of 5 children under 17 . I have already paid for this out of my taxes , world finance filled my taxes and took the money out before givining me a final check. I shouldn't have to pay for this again .
Initial Complaint
09/18/2023
Complaint Type:
Billing Issues
Status:
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.
This is because of Metro overcharging me 3 times the amount. I have no income except SS. I was scammed and taken advantage of because I just lost my husband and on disability! ***** refuses to help me with anything! I've paid well more than the merchandise is worth! I sent them proof of the price of the products before they were overcharged! Phone is only $300+ and I'm being charged $699! Tablet is $49 and I'm not sure what I'm being charged? I've tried getting help from Metro which started this and Smart pay. They are only concerned with the money owed not the fact that I was ripped off!
Business response
09/20/2023
Please see attached documents for the validation of account and letter addressing your concerns.

Thanks,
Security Credit Services, LLC
Customer response
09/20/2023
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
Complaint: 20619577
I am rejecting this response because: I was ripped off. I have SS for my only income. They are not allowed to touch it because it's federal and my only income. I would suggest deeming it a loss cause because they can't touch it. I have no way to pay it off. If you compare the actual price of the merchandise to what I paid it's paid in full! This is uncollectible
Regards,
*********************
Business response
09/21/2023
Unfortunately, we cannot deem this a loss as per your agreement and pay history, you did not fully complete the payments to own this merchandise. The account will remain in collections and report to your credit report as a charged off account. However, we did receive your cease and desist request, so currently we do have your account in ceased collection activity status. Feel free to call us to discuss further.

Thanks,
Security Credit Services, LLC
Customer response
09/21/2023
If you add the real price of the merchandise it's well below the price I'm being charged! This is a scam! The tablet was free due to a promotion! There's got to be something that can be done about this? I'm a disabled elderly widow and my only income is SS! I've paid this in full as far as I'm concerned.

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