ComplaintsforSecurity Credit Services, LLC

Collections Agencies

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
09/16/2023
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 hold no responsibility for the debt associated with Paysafe Payment Processing Sol as I have no contractual agreement with Security Credit Services, LLC. Despite my requests, they have failed to supply me with the original contract.
Business response
09/20/2023
Please see attached documents for validation of the account and a letter addressing your concerns.
Thanks,
Security Credit Services, LLC
Initial Complaint
09/16/2023
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, they did not provide me with the original contract as I requested
Business response
09/20/2023
Please see attached documents for validation of the account and a 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: 20613468
I am rejecting this response because: I have no knowledge of this ******** Galaxy " nor a card ending in those numbers
Regards,
***********************
Customer response
09/20/2023
I dont recall buying this but my question is i supposedly bought this item through Smart pay and that is who the contract was with and they charged it off and then this company bought this debt a company i have never heard of and i never signed a contract with them so i dont understand why and how they can do this??
Business response
09/21/2023
If you review your agreement, you will notice on Page 8, "Section 14. Assignment: We may sell, transfer, or assign this Agreement to any third party" , this will advise you that ******** was allowed to sell your account to any third party, in which, happened in your case once the account was charged off. It was then sent to debt collections, with Security Credit Services, LLC now being the owner of your account. If you do not recall this being your purchase, we advise you to complete the fraud claim documents listed in your letter and submit in to our office.
Thanks,
Security Credit Services, LLC
Customer response
09/21/2023
[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: 20613468
I am rejecting this response because:14. ASSIGNMENT: We may sell, transfer, or assign this Agreement to any third party, but will notify You of any change i was never notified about this!!! please show proof of you notifying me that this was bought by this company *************** with my attorney about this!
Regards,
***********************
Initial Complaint
09/14/2023
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, i do not have a contract with the collection agency Security Credit Services,LLC
Business response
09/20/2023
Please see attached documents for validation of the account and a letter addressing your concerns.
Thanks,
Security Credit Services, LLC
Initial Complaint
09/14/2023
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'm not liable for this debt with ****************, LLC. I do not have a contact with Security Credit Services, LLC, they did not provide me with the original contact as requested.
Business response
09/20/2023
Please see attached documents for validation of the account and a letter addressing your concerns.
Thanks,
Security Credit Services, LLC
Initial Complaint
09/10/2023
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.
t has recently come to my attention Security Credit Services is reporting a collection account for $4,490 that has not been validated. The original creditor is being reported as ***************** LLC. Please provide me with a copy of any documents used to validate this account and allow reporting to my personal credit.A copy of this notice has also been sent via mail to *******************************************************************************************************The following identifiers can be used to locate the account.Name: *************************** Last 4 Of Social: **** Address: **********************************************************************
Business response
09/20/2023
Please see attached documents for validation of account along with a 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: 20583434
I am rejecting this response because:
i Requested a copy of documents validating the account the response did not provide that.

to reiterate please provide me with the copy of the documents deeming the alleged debt as mine.
Regards,
***************************
Business response
09/20/2023
Please provide us with an explanation as to why this account is not your debt considering we provided you an application and a letter sent to you from the original creditor.
Again, if you claim this account as fraud (not yours, does not belong to you, identity theft, etc.) please follow the instructions on the Security Credit Services letter sent to you on how to submit the requested documents in order for the account to be investigated.
Thanks,
Security Credit Services, LLC
Customer response
09/21/2023
[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: 20583434
I am rejecting this response because: The attachment provided is not an application you all sent a letter stating why you think this account is mine and no supporting documents so again Im asking for the supporting documents. As Im sure the better business bureau will close this complaint please let it be known my next step is contacting your state attorney general then litigation if necessary. So again I am asking for the application you stated you have with my name on it deeming this collections account as mine as it has yet to be provided.
Regards,
***************************
Business response
09/21/2023
The attachment provided is in fact an agreement contract electronically signed with banking information provided for arranged payments so your excessive request for an application has already been provided to you. If you cannot provide us with the documents requested if you claim fraud, then we will conclude this debt as valid.

Thanks,
Security Credit Services, LLC
Initial Complaint
09/10/2023
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 SERVICE, I do not have a contract with this collection agency SECURITY CREDIT SERVICE, they did not provide me with a contract as requested
Business response
09/20/2023
Please review the attached documents for validation of the account and a letter addressing your concerns.

Thanks,
Security Credit Services, LLC
Initial Complaint
09/08/2023
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 business has attached something to my credit report when I do not have any kind of agreement with the business,
Business response
09/20/2023
Please see the attached documents for validation on this account along with a letter addressing your concerns.

Thanks,
Security Credit Services, LLC
Initial Complaint
09/08/2023
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 ***************** LLC. I do not have a contract with Security Credit Service. They did not provide me with the original contract as requested.
Customer response
09/08/2023
I have already reached out. This is my second attempt at trying to get this fixed. I do not have a contract with Security Credit Services LLC. I demand that this be removed from my credit report.
Customer response
09/13/2023
I have reached out to the company 2x. A 3rd time is a bit much. I never had a contract with this company. They cant provide the original contract between them and I because I never signed one!
Customer response
09/18/2023
It has been 11 days since I filed the complaint this is still on my report. There has been no resolution whatsoever.
Customer response
09/18/2023
It has been 11 days since I filed the complaint this is still on my report. There has been no resolution whatsoever.
Business response
09/20/2023
Please see attached documents for validation of account and letter addressing your concerns.
Thanks,
Security Credit Services, LLC
Customer response
09/21/2023

Complaint: 20572625
I am rejecting this response because: all they did was give information on the account. They say to reach out to smartpay but as they stated in the documents smartpay doesnt have the account & Im not liable to any debt with smartpay so that doesnt make sense. I want the original contract that I signed with SCC. This is criminal behavior.
Regards,
*************************
Customer response
09/21/2023
I never signed a contract with Security Credit Services. I have no knowledge of this account I demand that my credit report be corrected and this account be removed from my credit report.
Business response
09/21/2023
In your original complaint, you claimed you were not liable for the debt and wanted validation. We provided you with what you asked, so now it is up to you to follow the instructions provided in the letter to do a fraud claim if say you are not liable. If you cannot provide us with the documents listed, we will assume the debt is valid.

Thanks
Security Credit Services, LLC
Initial Complaint
08/10/2023
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 Pentagon Federal Credit Union. I don't have a contract with Security Credit Services LLC, they did not provide me with the original contract as I requested.
Business response
08/10/2023
Good morning,
We do have a Pentagon Federal Credit Union - CC (VISA) account #****************. The account has a balance of $29,274.19. Our records indicate that the account is now placed in bankruptcy status as a result of your chapter 7 bankruptcy filed back in February 2023. We stopped furnishing to all three credit reporting agencies and requested a deletion of the account on March 6, 2023. This office is no longer reporting to your credit. If a tradeline is still reflecting, feel free to contact us at the phone number 866-699-7889 or via email: ******************************** for assistance.

Thank you!
Initial Complaint
06/01/2023
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I called about a account i wanted to pay but everybody i talked fails to give me the correct account number and wants to force me to pay an amount and even threatened me about it..They continue to hang up the phone in my face just a bad experience
Business response
06/01/2023
Hello Mr. ******,
We apologize for any bad experience you've had and we always try to help our consumers in the best way possible. I do see that we have not received a call from you in our Security Credit office since 01/05/2023.However, we do have your account placed with our third party agency, but we can pull your account to solely be in our office. Please call our customer service number 866-699-7889 or contact us through our customer service email - ******************************** and a customer service representative in our office will be glad to assist you.
Sincerely,
******* ******
Support Services Manager

Customer response
06/01/2023
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.

Regards,

****** ******

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