We use cookies to give users the best content and online experience. By clicking “Accept All Cookies”, you agree to allow us to use all cookies. Visit our Privacy Policy to learn more.

Manage Cookies
Resources for Businesses My BBB
Share
Business Profile

Credit Cards and Plans

CardWorks Servicing LLC

Headquarters

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Credit Cards and Plans.

Complaints

This profile includes complaints for CardWorks Servicing LLC's headquarters and its corporate-owned locations. To view all corporate locations, see

Find a Location

CardWorks Servicing LLC has 9 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

    Please enter a valid location.

    Customer Complaints Summary

    • 69 total complaints in the last 3 years.
    • 18 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.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:04/07/2025

      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 Carson Smithfield LLC I do not have a contract with Carson **************. They did not provide me with the original contract as requested.

      Business Response

      Date: 04/14/2025

      We are in receipt of your letter regarding the complaint (#********) filed with your office by ****** ********.

      Our records indicate that the account was opened with ******************* with an electronic application and subsequently used for purchases. The account was charged off with an outstanding balance and placed with Carson Smithfield, LLC for servicing. 

      We have no record of a prior request for debt validation. A letter was sent to the customer in response to the ******************** complaint with validation documents.

      Please note that Carson Smithfield is a third-party collection agency contracted by the creditor to collect on the balance;however, ******************* remains the owner of the account. ******************** is not a creditor and is not responsible for the reporting of the customers account to the ********************** ******************* We recommend that any questions regarding credit reporting be directed to ******************* at **** *** ***** *** ********* ** ***********

      Thank you for the opportunity to respond.

      Sincerely,

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

    • Initial Complaint

      Date:04/04/2025

      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.
      I am disputing an invalid account reported by **************** on my credit report. This account is inaccurate, unverified, and violates the Fair Credit Reporting Act (FCRA). Since it does not meet the legal standards for reporting, I request its immediate removal. If the furnisher cannot provide proper validation, it must be deleted per federal law.** ****** ****

      Customer Answer

      Date: 04/04/2025

      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 and the matter has been resolved.

      Sincerely,

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



       

    • Initial Complaint

      Date:04/03/2025

      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 Carson Smithfield LLC, I do not have a contract with Carson Smithfield LLC. They did not provide me with the original contract as requested.

      Business Response

      Date: 04/10/2025

      We are in receipt of your letter regarding the complaint (#********) filed with your office by ****** ***** *****.

      Our records indicate that the account was opened with ******************* with an electronic application and subsequently used for purchases. The account was charged off with an outstanding balance and placed with ***** Smithfield, LLC for servicing. Following this, the customer accepted an agreement to settle the balance, but only one payment was received. As such,the settlement failed and the balance remains outstanding.

      Please note that Carson Smithfield is a third-party collection agency contracted by the creditor to collect on the balance;however, ******************* remains the owner of the account. ******************** is not a creditor and is not responsible for the reporting of the customers account to the ********************** ******************* We have forwarded the customers concerns to ******************* and recommend that any additional inquiries be directed to them at **** *** ***** *** ********* ** ***********
      We have no record of a prior request for debt validation. A letter with additional details was sent directly to ****** ***** *****, along with account documents.

      Thank you for the opportunity to respond.

      Sincerely,

      ****** **********
      Customer Service

    • Initial Complaint

      Date:03/10/2025

      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.
      this account info is not correct. It is different from the other 2 credit reporting services.

      Business Response

      Date: 03/25/2025

      BBB Complaint ID # *****************************

      Our records indicate that the account was paid in full and closed at the customer's request. We confirmed that the account is currently reporting as paid and closed with all credit bureaus. In the absence of additional facts, we will not change the reporting of the account to the ********************** reporting agencies. We recommend that the customer contact these agencies for more information regarding the display of their credit details.

      A response with additional details was sent directly to **** *******.
      PO **************************

    • Initial Complaint

      Date:12/23/2024

      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.
      According to 15 U.S.C 1681s-2(a)(1)(A) and (B)to report inaccurate informationPlease DELETE this information from my credit report, pursuant to section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, and send the required notifications to all furnishers of this information.Section FCRA 611(a)(6)(B)(iii) and (7) of the Fair Credit Reporting Act, 15 U.S.C. 1681i, and send the required notifications to all furnishers of this information. Fair Credit Reporting Act, 15 U.S.C. 1681s-2 Section 623(a)(8)(D) Section 603(p), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623(a)(7).According to 15 USC 168i(15) the credit bureaus have to modify or Delete fraud Account that are not reporting accurately. According to 15 USC 1681b(1) the credit bureaus dont have no written permission. According to 15 *** 1681 have the right to privacy According to 15 USC 168s- 2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate . (B) Reporting information after notice and confirmation of errors According to 15 *** 1681 I have the right to privacy According to 15 *** 1681s-2 A person shall not furnish any information relating to a consumer to any any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. (B) Reporting Information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency (i) The person has been notified by the consumer, at the address specified by the person for such Notices, that specifies information inaccurate, and (ii) the information is, in, fact, inaccurate. CW NEXUS CREDIT CARD Amount:$3493 Date:1/20/2017 Acct#****************

      Business Response

      Date: 01/06/2025

      We are in receipt of your correspondence on December *******, regarding the account for our ********************** ****** B.*********.

      Our records indicate that the customer's account was opened with ******************* with a paper application, including the customer's signature.Subsequently, the account was used for purchases and payments were received.Due to non-payment, the account charged off with an outstanding balance. Upon charge-off, CW Nexus Credit ******************* I became the owner of the account.

      As per the enclosed Cardholder Agreement, We may report information about your account to ********************** bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

      We received the customers Automated ********************** Dispute Verification form (ACDV) filed through the credit bureau disputing the reporting of the account and claiming identity theft. Based on the results of our investigation, the fraud claim was denied as the account information matches their personal records. As such, a response was provided directly to the consumer reporting agency confirming that the account is reporting accurately.

      Upon receipt of the customers complaint, we conducted an investigation regarding their claim of identity theft. The claim was again denied based on the above investigation.

      We received notification that the customers account was included in a bankruptcy filing. As such, we have submitted a request to the consumer reporting agencies to delete the tradeline associated with this account from their personal credit file. We appreciate their patience while they comply with the requested update.

      A letter with additional details and validation documents was sent directly to ****** ** *********.

      Thank you for the opportunity to respond.
      CW Nexus Credit ********************, as administrator

      Customer Service Department

    • Initial Complaint

      Date:11/06/2024

      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.
      Marrick Credit card company sold my credit card debt to CWS/CW Nexus. I do not owe anything to Nexus. They never provided me with any paperwork proving I owed them money. They have this debt on my credit report. I want this removed as I do not owe them any monies whatsoever.

      Business Response

      Date: 11/13/2024

      We are in receipt of your correspondence dated November ******, regarding the above referenced account for our customer ****** K.*******.

      Our records indicate that the customer's account was opened with ******************* using an electronic application and subsequently used for purchases. Due to non-payment, the account charged off with an outstanding balance. We have no record of a previous request for debt validation.

      At charge-off, CW Nexus Credit ******************* became the owner of the account and ********************, LLC, was contracted to collect on the outstanding balance. The customer's ********************** agreement authorizes ******************* to sell the account or transfer the rights to collect on the account at any time. In using their ******* account for purchases, the customer agreed to abide by these terms. As such, the balance remains owed to CW Nexus Credit ******************* under the terms of the customer's existing agreement.

      The Fair Credit Reporting Act (FCRA) requires that, as a furnisher of information to consumer reporting agencies, we report accurate information regarding a consumers account history. We have reviewed the account and determined that the information reported was complete and accurate as of the date(s) we furnished it. As such, in the absence of additional facts,we will not change the reporting of the account to the ********************** reporting agencies.

      A letter with additional details was sent directly to ****** ** *******, along with account documents.

      Thank you for the opportunity to respond.

      CW Nexus Credit ********************, as administrator
      Customer Service Department

    • Initial Complaint

      Date:10/15/2024

      Type:Sales and Advertising 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.
      ********** Im not liable debt It has come to my attention that you have illegally reported my personal information to unaffiliated third parties without providing the required disclosures. Pursuant to 15 U.S. Code 6802, you are legally required to provide me with three specific disclosures. After thoroughly reviewing all documents provided by your institution, I have found that none of these documents contained the necessary disclosures as mandated by 15 U.S. Code 6802(b).I have identified inaccuracies in the accounts listed on my ********************** report. This agency is in violation of 15 U.S. Code 1681i. According to 15 U.S. Code 1681i:(5) Treatment of Inaccurate or Unverifiable Information:"Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate."

      Business Response

      Date: 10/29/2024

      We are in receipt of your correspondence dated October *******, regarding the above referenced account for our customer Rowney *. *****.

      Our records indicate that the customer's account was opened with ******************* and used for purchases. Due to non-payment, the account charged off with an outstanding balance. Subsequently, CW Nexus Credit ******************* became the owner of the account. The customer's ********************** agreement authorizes us to report information regarding the account to ********************** bureaus. In using the account for purchases, the customer agreed to abide by these terms.

      The Fair Credit Reporting Act (FCRA) requires that, as a furnisher of information to consumer reporting agencies, we report accurate information regarding a consumers account history. We have reviewed the account and determined that the information reported was complete and accurate as of the date(s) we furnished it. As such, in the absence of additional facts,we will not change the reporting of the account to the ********************** reporting agencies.

      Thank you for the opportunity to respond.

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

    • Initial Complaint

      Date:07/08/2024

      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 CardWorks Servicing. I do not have a contract with CardWorks Servicing, they did not provide me with the original contract as I requested.

      Business Response

      Date: 07/18/2024

      We are in receipt of your correspondence dated July 3, 2024,which was received on July 8, 2024, regarding the above reference account for our ********************** **********************************.

      Our records indicate that the customers account was opened with ******* Bank with an electronic application. In accordance with the Electronic Signatures in Global and National Commerce (E-SIGN) Act, an electronically submitted signature, contract or other record relating to such transaction is valid and enforceable and may not be denied legal validity solely because an electronic signature or electronic record was used in its formation.

      Subsequently, the account was used for purchases. Due to non-payment, the account charged off with an outstanding balance. At charge-off, CW Nexus Credit ************* Trust I became the owner of the account. As no further payments were received, the balance remains the same.Please note, we have no record of prior correspondence requesting a copy of the application.

      We received the customer's Automated ********************** Dispute Verification (ACDVs) forms filed through the Consumer ****************** (CRAs)claiming identity theft and disputing the reporting of the account. In each instance, the account was reviewed. Based on the results of our investigation,the identity theft claims were denied as the account information matches their personal details. As such, responses were provided directly to the CRAs confirming that the account is reporting accurately.

      The Fair Credit Reporting Act (FCRA) requires that, as a furnisher of information to consumer reporting agencies, we report accurate information regarding a consumers account history. We have reviewed the account and determined that the information reported was complete and accurate as of the date(s) we furnished it. As such, in the absence of additional facts,we will not change the reporting of the account to the ********************** reporting agencies.

      A letter with additional details and validation documents was sent directly to **********************************. We hope to have been of assistance to you and appreciate the opportunity to respond.

      Sincerely,

      CW Nexus Credit ************* I, LLC, as administrator

      Customer Service Department

    • Initial Complaint

      Date:06/20/2024

      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.
      Requesting a Settelement letter of ******. Requring a Balance Statement Letter at $0. The 3rd party that maintained a Credit Card file belonging to CW Nexus / CC Holdings has made many attempts to receive a payoff letter / statement letter of $0 Balance and we have received no response or contact after numerous emails. All phone numbers associates with the business canot be accessed by the public.Please see payoff Receipt for That **** and ****** has accepted $600 from me.We are simply requesting on letterhead a:1. ) $0 Balance Report on CC Holdings Letter Head.2.) Account# **************** Please see all requirements to be placed on the documents below:1. ) Creditor Name / Logo / Letterhead: (CC Holdings)2. ) Partial / Full Account Number (Matching the ********************** Report): xxxxxxxx******** 3. ) Current Date (within 30 Days)4. ) Borrower Full Name: ************************************* 5. ) The New Current Balance at $0 : $0 3rd Party Comapny maintaining the file is:**** and ****** ****************************************************** Manager ************ **************

      Business Response

      Date: 07/08/2024

      We are in receipt of your correspondence dated June 20,2024, regarding the complaint filed with your office by ********************************.

      CW Nexus Credit ************* Trust does not support open email communication with our customers. We have no record of recent inbound calls regarding this account.

      Our records indicate that the customer's account was opened with ******* Bank with an electronic application. Subsequently, the account was used for purchases. Due to non-payment, the account charged off with an outstanding balance. At charge-off, CW Nexus Credit ************* Trust became the owner of the account. We have no record of an account in the customer's name ending in the last four numbers indicated in their complaint.

      Subsequently, the customer accepted a settlement arrangement with our collection agency **** and Kirilin to pay a portion of the balance. We received their payments, which satisfied the settlement. As such, **** and Kirilin issued a settlement letter to the address on file and the account was accurately updated to Settled for less than the Full Balance, was a Charge Off.

      A letter with additional details was sent directly to ********************************.

      Thank you for the opportunity to respond.

      CW Nexus Credit ************* I, LLC, as administrator

      Customer ******************

    • Initial Complaint

      Date:05/28/2024

      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.
      On February 16, 2024 I sent a certified debt validation letter to CW NEXUS CREDIT CARD through the United ********************** Under the Fair Debt collection Practices Act (FDCPA), I have the right to request validation of the debt CW NEXUS CREDIT CARD says I owe. I requested proof that I am indeed the party they are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. According to the tracking number attached to the certified letter, CW NEXUS CREDIT CARD received the Debt Validation letter on February 20, 2024. I never received a response from CW NEXUS CREDIT CARD after they received my debt validation letter. On April 2, 2024 I sent another certified letter through **** because CW NEXUS CREDIT CARD failed to respond. I never received a response from CW NEXUS CREDIT CARD regarding the second letter.I request that CW NEXUS CREDIT CARD immediately remove the inaccurate account from my ********************** report, and provide me with documentation to support their reporting if they claim the account is accurate.

      Business Response

      Date: 06/17/2024

      We are in receipt of your correspondence dated May 26, 2024,which was received on May 28, 2024, regarding the above-referenced account for our ********************** ******************************.

      Our records indicate that the customer's account was opened with ******* Bank with an electronic application. In accordance with the Electronic Signatures in Global and National Commerce (E-SIGN) Act, an electronically submitted signature, contract or other record relating to such transaction is valid and enforceable and may not be denied legal validity solely because an electronic signature or electronic record was used in its formation.

      Subsequently, the account was used for purchases. Due to non-payment, the account charged off with an outstanding balance. At charge-off, CW Nexus Credit ************* Trust became the owner of the account. As no further payments were received, the balance remains the same.

      We received Automated Consumer Dispute Verification (ACDVs)forms filed through the Consumer ****************** (CRAs) disputing the reporting of the account. In each instance, the account was reviewed and responses were provided directly to the CRAs confirming that the account is reporting accurately.

      We additionally received the customer's previous correspondence disputing the reporting of the account. Responses validating the debt were twice issued to their address of record. We confirmed that the information and documentation we provided was accurate and sufficient to validate the debt owed.

      The Fair Credit Reporting Act (FCRA) requires that, as a furnisher of information to consumer reporting agencies, we report accurate information regarding a consumers account history. We have reviewed the account and determined that the information reported was complete and accurate as of the date(s) we furnished it. As such, in the absence of additional facts,we will not change the reporting of the account to the ********************** reporting agencies.

      A letter with additional details and validation documents was sent directly to ****************************. We hope we have been of assistance to you and appreciate the opportunity to respond.

      Sincerely,

      CW Nexus Credit ************* I, LLC, as administrator

      Customer Service Department

    CardWorks Servicing LLC is NOT a BBB Accredited Business.

    To become accredited, a business must agree to BBB Standards for Trust and pass BBB's vetting process.

    Why choose a BBB Accredited Business?

    BBB Business Profiles may not be reproduced for sales or promotional purposes.

    BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

    When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

    BBB Business Profiles generally cover a three-year reporting period. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.

    As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.