ComplaintsforSecurity Credit Systems, Inc.

• Initial Complaint

  08/05/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have been contacted multiple times by this agency for a debt to ****** ********** do not believe I owe. I need to be sent a verification of the debt and an itemization of the charges because they have provided no proof that I owe the debt.

  Business response

  08/07/2024

  We received the account for Ms. ***** in collections on 4/23/24 for ****** ********** in the amount of $2,024.26.  This is a Nursing Loan and an interest bearing loan.  We are only collecting on the past due balance at this time.  The original amount due on this Nursing Loan is $13,200.00 and the amount of $2,024.26 is the past due amount at this time and the amount will continue to increase as time goes by. We sent Ms. ***** a notice of this debt on 5/3/24 which included all the state and federal disclosures required by law.and we did not get a mail return.  We have been unable to reach Ms. ***** and she never requested verification of debt.  I will mail Ms.***** the bill and her Nursing Loan promissory notes to verify the debt.  We would be happy to work with Ms. ***** to resolve this debt

   

  Mary Ann R***** Compliance Officer

   

• Initial Complaint

  05/21/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I am not liable for this debt with Security Credit Systems, Inc. I do not have a contract with the collection agency attempting to collect. They did not provide me with the original contract as requested. Collector Mr. L*** threatened me and used obscene, profane and Abusive language.

  Customer response

  05/23/2024

  This debt was brought to my attention, February 2023. The debt appeared on my credit report with no explanation. I then start to receive disturbing phone calls from the collection agency. Threating to sue if I had not made a payment. The representative coerces me into making a payment, though i did not owe this debt. I was very frightened. Each time the representative reached out to me he became more hostile.  I reached out to an independent credit agency.  Helped me to dispute the debt and seek legal advice, in which I did. As of September 8, 2023, the debt was removed from my credit report as the agency had broken several Fair Credit Act laws. The same representative is now reaching today 5-2024 requesting for the exact same debt to be paid. Someone needs to know that this agency is harassing individuals for debt that may not belong to them. 

  Business response

  06/03/2024

  The debt for Ms. ***** came into Security Credit Systems, Inc. on 12/10/19 for ***** ****** ***** ***** in the amount of $2,208.70.  I have audited the account & phone calls and have found we did not threaten to sue Ms. *****.There was no hostile or abusive calls and no obscene, profane or abusive language. We sent Ms. ***** the first collection notice on 12/11/19 advising about the debt along with all the State & Federal disclosures required.We received no mail returns.     Ms. ***** did do a credit bureau dispute on 11/18/21 and we sent her an itemized bill and signed agreement.  We spoke to Ms. ***** on 2/16/22 she called and wanted options on paying the debt.  We gave her a minimal payment plan and she made one payment of $250.00 on 2/22/22 and then never followed thru with the payment plan.  Ms. ***** did another credit bureau dispute on 8/23/23 and we again sent her another copy of her itemized bill and signed agreement.  We tried calling her again on 8/23/23 and she hung up the phone.,  We tried once more to call her on 5/3/24 and she claimed to have never heard about this debt and we again sent her an itemized bill and signed agreement.,  We would be happy to talk to Ms. ***** to try to resolve the debt.

   

  Mary Ann Robson  Compliance Officer

   

• Initial Complaint

  04/25/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am writing to clarify a misunderstanding regarding my relationship with ******* ***** ****** and the Security credit system. First, I want to assure you that I am not responsible for or affiliated with the department you mentioned. it seems there has been some confusion about my role and involvement. I do not have any contractual obligations or responsibilities with that particular department. Regarding the security credit system, I can confirm that I do not have an active contract with them. When I previously requested a copy of the original contract, IT appears that was not provided to me. I apologize for any inconvenience this may caused. My intention is to resolve this matter amicably and ensure there is no further misunderstanding . I am happy to help provide any additional information or answer any questions. Thank you sincerely ****** ****

  Business response

  05/01/2024

  We received an account in collections for Mr. **** on 6/22/22 from ******* ******* ********** in the amount of $4,579.08.  We were unable to reach Mr. **** by phone until 3/ 6/24.  We sent numerous letters to Mr. **** but our first phone contact was on 3/6/24 and when we spoke to him he indicated that he did not care about this bill and hung up the phone.  Mr. **** never at any time asked for verification of the debt.  I am sending Mr. **** an itemized bill verifying this debt.  We would be happy to work with Mr. **** to help get this debt resolved.

   

  Mary Ann R*****   Compliance Officer

   

• Initial Complaint

  03/24/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not responsible for this debt with 07 ****** ********* ******* T2. I do not have a agreement with Security credit systems, Inc, they did not provide me with the original contract as I asked for.

  Customer response

  03/25/2024

  I do not know who 07 ****** ********* ******* T2 is nor have I ever done business with them or been lent any by this college for me to owe such debt nor do I agree to this debt on my credit report as I never signed anything with such college. 

  Business response

  03/26/2024

  Security Credit Systems Inc. received a past due collection account for Mr. ******* on 11/11/22 for ****** ********* ******* in the amount of $4,376.40 for attending the school for the fall semester of 2020.  We spoke to Mr. ****** on 11/14/22 and Mr. ******* admitted that he attended the school but was disputing the balance due based on FAFSA issues in financial aid.  We did send Mr. ******* a copy of his bill and signed agreement on 11/14/22 and then again on 12/5/22.  We had to resend the paperwork due to a change in address.  Mr. ******* sent us a note on 12/18/23 that he was requesting that we contact our client and he asked for a settlement in full for $2,376.00 which was almost 50% off of the original amount due and our client ****** ********* ******* accepted the settlement offer as long as it was paid within 30 days.  We never heard from Mr. ******* again even though he indicated that if ****** ********* ******* accepted the settlement in full offer he would pay it immediately.  Now he is claiming  not to know who ****** ********* ******* is and claiming he never attended and he did.  He also claims Security Credit Systems did not send him verification of debt and we did twice. This is a valid debt.  We would be happy to help Mr. ******* resolve this debt.  I will again send the bill and signed agreement to Mr. ******* for his records.

   

  Mary Ann Robson   Compliance Officer

   

• Initial Complaint

  03/07/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I was called on 3/7/24 by the business. I have not accrued any unpaid debts with any businesses. This business is predatory- I am a college student and only recently have started to build my credit, and they’re threatening me with debt I do not have.

  Business response

  03/15/2024

  We received an account into collections for  Ms. ******* from ******* Community College in the amount of $2,750.00.  Ms. ******* attended the school for the Spring 2023 term.  We have sent letters and called Ms. ******* and we have had no reply to our letters and phone calls. This account came into collections on 2/5/24.  I will send Ms. ******* an itemized bill and signed agreement and her withdrawal form.  We would be happy to have Ms. ******* contact us and we can assist her in resolving this debt.

   

  Thank You

  \Mary Ann R***** Compliance Officer

• Initial Complaint

  02/08/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  This business is claiming I owe a debt and won't stop calling my parents or my husband. No bill or proof of owing a debt has been mailed or anything. I have no knowledge of any debt being owed. They have not made contact with me but have contacted everyone else regarding this so called debt. They don't even have the correct name.

  Business response

  02/09/2024

  The account in question for ******* ****** just came into collections from *******  ********* College and we sent the first notice to Ms. ****** on 2/8/24 and this notice includes all the State disclosures required.  This debt is a tuition balance due incurred for the Spring 2023 school term.  I am sending Ms. ****** a copy of her itemized bill and her signed agreement today and if she has any questions she can call Security Credit Systems and we will be happy to help her resolve this debt. 

  Mary Ann R*****   Compliance Officer

  Customer response

  02/09/2024

  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. I will be paying the balance owed within the month. Any calls should go to me not my husband or parents further out please. 
  Regards,
  ******* ******
  
  

• Initial Complaint

  01/25/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this debt this has nothing to do with me. I want this off the relevant credit reports. This person was very threatening in his message trying to intimidate and scare me as well as, I’m sure, countless other people. Stop threatening people.

  Business response

  01/26/2024

  We do not have any account in our data base under the name of ***** ****.  I do believe we have an incorrect phone number listed under the account in our system.  We have removed the phone number from our system and ***** **** will not get any calls from Security Credit Systems Inc.   Also, since the account we had was for a different individual we have not reported anything to the credit reporting bureaus for ***** ****. I hope this has resolved the issue.  If you have any other questions please feel free to contact me again. Sincerely,   Mary *** ****** Compliance Officer 

• Initial Complaint

  12/07/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I don’t have a debt or anything i literally just became an adult a few months ago PLEASE STOP calling my phone

  Business response

  12/08/2023

  We had this phone number listed on an account for a different individual in our system.  We have now deleted this phone number from our data base and Mr. ******* should no longer get any phone calls on this account.  We are sorry for any inconvenience we have caused.  Thank You   Mary Ann R***** Compliance Officer

• Initial Complaint

  10/08/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I received a notice that I have a collection from SECURITY CRD on my credit report. It says it was opened on 03/30/2018 for $0.00 with account number starting in ******* that I am not aware of nor am I responsible for. I never went into business with this company or signed any agreements with them so they should not be reporting anything on my credit. This is a violation of my rights as a consumer according to the FCRA and FDCPA. I would like for this collection to be removed ASAP or I will file a CFPB and FTC report.

  Business response

  10/10/2023

  It shows 0.00 balance because it was paid in full. Security Credit is a collection agency for the school **** ***** *********** We have requested removal of the account from the bureau.

• Initial Complaint

  07/13/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I am not liable for this debit with ******* ********* ******* - T, I do not have a contract with ******** ****** ******** **** they did not provide me with the original contract as requested.

  Business response

  07/13/2023

  After reviewing his account we have closed the account and removed it from the credit bureau. The next bureau report is transmitted on 7-15-23 but takes the bureaus up to 2 weeks to process. 

  Customer response

  07/13/2023

  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.   Regards,  ******** *****

*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. ↩