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Business Profile

Collections Agencies

American Trading Co.

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Collections Agencies.

Complaints

Customer Complaints Summary

  • 25 total complaints in the last 3 years.
  • 8 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

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.

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Complaint status

Complaint type

  • Initial Complaint

    Date:03/28/2025

    Type:Billing Issues
    Status:
    Unanswered
    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 honestly don’t get why WATERFALL RE is reporting this debt under my name because I don’t owe them anything. I never signed anything with them, and when I asked for a copy of the original application, they didn’t even bother to provide it. It’s frustrating because this is hurting my credit for no reason, and it’s just not fair. How can they just put something on my report without any proof? Account No: 1240810411 Amount Disputed: $1726

  • Initial Complaint

    Date:03/10/2025

    Type:Billing Issues
    Status:
    Unanswered
    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 recently reviewed my credit report and noticed an inaccurate and invalid account reported by **********************. This account is not valid, and its presence on my report is a violation of the Fair Credit Reporting Act (FCRA).Under the ****, all reported accounts must be accurate, verifiable, and legally collectible. This account does not meet these standards, and I am requesting its immediate removal. I have not received proper validation of this debt, and without sufficient proof, it should not be reported.I am formally disputing this entry and requesting that it be deleted from my credit report. If the furnisher cannot verify the accuracy and legitimacy of the account, it must be removed in compliance with federal law.

  • Initial Complaint

    Date:01/17/2025

    Type:Order Issues
    Status:
    Answered
    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 with this debt with ***************************, I do not have a contract with Waterfall Revenue Group, they did not provide me with the original contract as I requested.

    Business Response

    Date: 01/28/2025

    Your past due account was listed with our office on 09/04/24 for service ordered by ********* *****. A copy of the invoices sent by our client are attached. Other then not receiving a copy of the contract what is your dispute?  The service was provided and wasnt paid for. Prior to your account being listed to our office what steps did you take to resolve your complaint?
    Our office has received many direct disputes that you have sent to the credit bureaus, and we have verified that the balance is still due.We updated your dispute and going forward will consider your dispute as frivolous,unless you supply our office with additional information.
    The balance of $157.80 is still due.
    This communication is from a debt collector.
    Regards,
    **** ******

  • Initial Complaint

    Date:01/02/2025

    Type:Order Issues
    Status:
    Answered
    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 this debt with waterfall revenue gr , I do not have a contract with them they did not provide me with the original contract as i requested

    Business Response

    Date: 01/03/2025

    In response to this complaint, our office has supplied your prior attorney ********** & ****** a copy of the bill for ************************* Service and the balance remains due, $716.50. Additionally, you have continued to dispute this debt with the credit bureaus, and we have responded to each of them. We consider this dispute frivolous, unless you supply our office with other supporting documentation. Until then your credit bureau report will remain in a dispute status. If you decide to make the payment and no longer dispute the debt, under the new **** ruling this account would be removed from the credit bureaus. 

    You can pay online at ******************************** 

    This communication is from a debt collector. This is an attempt to collect a debt any information obtained would be used for that purpose.

    **** ******

    Director of Collections 

    Customer Answer

    Date: 01/03/2025


    Complaint: 22760460

    I am rejecting this response because:

    I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score  In accordance with The Fair Credit Reporting Act, Public law ******, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

    Regards,

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

    Business Response

    Date: 04/07/2025

    Our office has reached out to ******* Emergency Medical Service's billing company, and we have asked them to forward copies to our office. You can always request a copy of your medical records at *****************************. This is where you would have been transported too. You should also follow-up with your attorney that was representing you to help explain your obligations to the creditor. Our office will remain the dispute status on your record. 

    This communication is from a debt collector. Any information obtained would be used for that purpose. 

    Regards,

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

  • Initial Complaint

    Date:12/30/2024

    Type:Customer Service Issues
    Status:
    Unresolved
    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 this debt WATERFALL REVENUE GROUP. I do not have a contract with WATERFALL REVENUE GROUP.

    Business Response

    Date: 01/06/2025

    Our office Waterfall Revenue Group has a past due balance of $128.28 due; $98.68 principal and $29.60 collection fee for The ************************** for your ****** *******, Drum Kit that you purchased, ******** ***** our account # is *********.

    This is an attempt to collect a debt. Any information obtained will be used for that purpose. 

    Customer Answer

    Date: 01/06/2025


    Complaint: 22747352

    I am rejecting this response because:

    There was never a contract with Waterfall Management group. Information provided is incorrect and needs to be removed from my credit report immediately. Creditors have a duty to report accurate information. Information provided is inaccurate and I would need to see a contract that I entered into with you. This is not a contract. Please remove from all of my credit reports immediately.



    Regards,

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

  • Initial Complaint

    Date:09/03/2024

    Type:Billing Issues
    Status:
    Answered
    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.
    In June 2024, I paid a balance of $131 to ****** **** *** ***** *****. ****** **** *** ***** ***** sent that account to collections. I called to get the account resolved showed proof that the account was paid. They sent the account to collections in July 2024, 30 days after the payment was made. I have called waterfall revenue group multiple times to try to get this resolved. I have disputed this with ***** ***** as well. I have a bank statement and I also have a email stating that I have paid the $131 is still on my credit report revenue waterfall group will not remove it from my credit report

    Business Response

    Date: 10/07/2024

    Our office has finally received verification from the creditor that you paid their office directly. We updated your record to reflect paid in full and requested the immediate removal from the credit bureaus.

    This communication is from a debt collector. 

  • Initial Complaint

    Date:08/28/2024

    Type:Customer Service Issues
    Status:
    Answered
    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 have no idea what this "collection" is regarding and have received no information from a debtor or the collection agency. They do not answer calls and VM is full. This has appeared on my report out of the thin blue sky.

  • Initial Complaint

    Date:05/06/2024

    Type:Billing Issues
    Status:
    Answered
    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.
    Waterfall has been falsely reporting me to the three credit bureaus. I was taken to hospital in 2019 for an attempted suicide. My insurance and ******** paid for the ride. Yet waterfall is reporting me as no payment, falsely. Then they have refused to answer my calls and my letters. I have tried to have the information corrected and the false information removed to no avail. Waterfall refuses to provide any proof as to the validity of the so called debt.

    Business Response

    Date: 05/28/2024

    Our office Waterfall Revenue Group has 2 accounts listed for ******************* #1 for dates of service 09/07/19 for $1383.00 and for service on 9/8/19 for $1219.00. The total amount due is $2602. These accounts are to old to bill any insurance. However, if you believe your insurance already issued payment to the provider, please supply our office with the supporting documents from your health insurance such an Explanation of Benefits, we will be happy to reinvestigate your claims. Their billing company verified the balance is correct and your credit bureau report was updated to reflect your dispute accordance with the FCRA.

    This communication is from a debt collector. 

    Regards,

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

    Director of Collections 

    Customer Answer

    Date: 05/28/2024


    Complaint: 21675902

    I am rejecting this response because:

    I was never informed by your office in stinting as required. I have disputed this in my credit report. My insurance and ******** paid the ambulance company years ago. I have repeatedly tried to correct this information yet your office in ********** told me to go f*** myself.

    the ambulance rides were the result of suicide attempts. Your waterflll get was told this. She said that I should have killed myself. Ill send you the audio after I make copies for the ** congressional delegation and demand hearings in **

    Regards,

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

    Business Response

    Date: 05/29/2024

    Our office mailed the required documents to you. We will be happy to reinvestigate your claim once we receive supporting documents reflecting payment. Our office has updated your credit bureau report as "Disputed by Consumer", as we are required to do. Once the account is paid in full under the new regulations this item will be removed from the credit bureaus. 

    This communication is from a debt collector.

    The total balance owed $2602.

    Regards,

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

    Director of Collections 

    Customer Answer

    Date: 05/29/2024


    Complaint: 21675902

    I am rejecting this response because:
      You have no proof of the validity of this debt. I have repeatedly demanded that you and your office prove the validity of the debt. You told me to go f*** myself. 

    you have my address. Mail me the proof of validity of this debt.

    PO BOX 265 ************ ** 19460


    Regards,

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

  • Initial Complaint

    Date:02/22/2024

    Type:Service or Repair Issues
    Status:
    Answered
    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'm not liable for this **** with ********** first aid Emergency I don't have a contract with waterfalls revenue and they don't provide me with the original contract as I requested

    Business Response

    Date: 03/01/2024

    In response to your complaint, ********** First Aid & Emergency Squad placed your account with our office for collection on 08/12/19 for services rendered on 03/02/19 for the amount of $825.60. Additionally, we have another account for ******************** of ******* Surgery for date of service 11/12/20 for the balance of $69.85. There is a total of $895.45 due to due to our office. If you have a question on your us of pocket responsibility, please contact your insurance carrier for additional verification. Our office mailed out verification of the debt on each of these accounts, when they were listed. 

    Once the balance is paid in full these items will be removed from the credit bureaus. Until then our office will reflex this tradeline as disputed.

    This communication is from a debt collector. This is an attempt to collect a debt any information obtained will be used for that purpose. 

    Regards,

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

  • Initial Complaint

    Date:12/12/2023

    Type:Billing Issues
    Status:
    Resolved
    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.
    Business states I owe them $4300 in regards to a purchase from a music store. I never made any purchase and already have been informed this was fraud and identity theft. The collections agency is still holding me accountable to pay this balance, although I never made any purchase with music and arts or waterfall revenue group.

    Business Response

    Date: 01/04/2024

    I apologize for the oversight. This account was listed with us on 12/05/23 and closed by the creditor as paid on 12/18/23. Our office has closed this account.

    Thank you,

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

     

    Customer Answer

    Date: 01/04/2024

    [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

    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,

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

American Trading Co. is NOT a BBB Accredited Business.

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