ComplaintsforCredit Central, LLC (Parent Co.)

• Initial Complaint

  06/10/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This Company Sold My Personal Information To Another Company And Now They Trying To Collect. "Validation Of Debt" 15 USC 1692 Of The Credit Report Protection Act, States If You Sell A Consumer Personal Information It's Illegal, And Fines Can Be Given Out. This Company Write Off This Debt If $892 (January 2021) Again $1,082 (September 2023)As A Tax Write Off. How You Still Trying To Collect After You Sold The Debt?

  Business response

  06/12/2024

  Dear ******** ******:
  
  We are in receipt of your complaint filed with the Better Business Bureau (BBB) dated 06/08/2024 alleging Credit Central sold your personal information to another company and is now trying to collect.  Credit Central does not sell or assign loans to debt collection agencies.    Credit Central has established a business practice of charging off debt after a period of nonpayment, but we are not writing off any amount owed.  The outstanding balance may be on your credit report up to 7 years from the first date of delinquency.  If you would like to discuss payment options, please call our Legal Center at ***** *********
  
  Sincerely,
  
  Compliance Department

• Initial Complaint

  05/28/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I went to the Credit Central business location where my loan was supposedly originated from today, May 24th, 2024 to negotiate final settlement for a contract (appearing on my credit report as being opened on June 26th 2017). The store Manager stated “their computer system was down” and was unable to locate my contract, terms or balance. That individual called their regional manager who was also unable to locate any data regarding loan origination, the contract terms, or the balance of the account. The store manager actually asked me for a copy of MY credit report—a VIOLATION of the FCRA & The Privacy Act (5 U.S.C. 552a, as amended) so they could discovery any debt I MAY owe. The store manager looked for my contract, terms & balance for almost an hour unsuccessfully before admitting to a co-worker that “all contracts are destroyed after seven years”. The store manager returned to me and stated I must contact their legal department to authorize them to take payment (for a contract they cannot locate in good faith when asked to produce said contract). As I have made reasonable effort to resolve this matter fully & in perpetuity, I request that the debt be removed from my credit report. I have an audio recording of this interaction (which is legal as Tennessee is a one-party convent state) to prove my statements are true, along with proof that ALL of my other non-medical debts have been paid and settled. Again, I request this debt be removed from all credit reports.

  Business response

  06/03/2024

  Dear *** ******** 
  
  We are in receipt of your complaint filed with the Better Business Bureau (BBB) dated 05/24/2024.  Our attorney, Chip D*****, contacted you on 05/29/2024 to discuss settlement.  You agreed to a settlement of 80% of the garnishment amount, plus costs, and your judgment will be set aside, and case dismissed.  Once we receive your payment, we will furnish to the credit bureaus in our next monthly data file that your current balance is zero with a special comment that your account was paid in full for less than the full balance.
  
  Sincerely, 
  
  Compliance Department

• Initial Complaint

  05/08/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  CREDIT CENTRAL IS REPORTING A CHARGE-OFF ACCOUNT ON MY CREDIT REPORT THAT SHOWNING A Balance OF $418 FOR ACCOUNT STARTING WITH *****. A CHARGE OFF ACCOUNT CAN NOT HAVE A BALANCE WITHOUT SENDING ME A ****** TO CANCEL OUT THE DEBT WITH *** SINCE THIS SHOWS A BALANCE IT MAKES IT TAXABLE INCOME THEY DID NOT REPORT THIS CHARGE OFF TO THE ***. I ASK THAT ACCOUNT BE REMOVED ASAP

  Business response

  05/17/2024

  Dear *** ********:
  
  We are in receipt of your complaint filed with the Better Business Bureau (BBB) dated 05/08/2024 claiming a charge-off account cannot have a balance without sending a *******  Please note that a ****** is not required for balances lower than $600.00.
  
  Sincerely,
  
  Compliance Department

  Customer response

  05/17/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********* and have determined that this does not resolve my complaint. 
  
  [To assist us in bringing this matter to a close, Please let us know below why you are rejecting the offer made by the business. A Charge Off can't reflect a balance if it's charged off so please remove from my credit reports 
  
  Regards,
  
  ****** ******** 

• Initial Complaint

  04/30/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this dept with ******* **************, I do not have contract with CREDITCENTRL, they did not provide me with the original contract as i requested.

  Business response

  05/03/2024

  Dear *** *********
  We are in receipt of your complaint filed with the Better Business Bureau (BBB) dated 04/30/2024.  Our records indicate you opened your account on 05/29/2019.  By signing the loan agreement, you agreed to repay the loan in 9 monthly installments of $84.00 beginning 06/29/2019.  No payments have been received.  Credit Central is required by the Fair Credit Reporting Act (FCRA) to furnish all credit information fully and accurately to the credit reporting agencies, so we are unable to grant your request to update your tradeline to “paid as agreed never late” or remove this information from your credit report.
  
  Copies of any loan documents bearing your signature, which you requested in your complaint, may be obtained at the Credit Central branch location where you opened your loan.  To protect your privacy, please be prepared to provide valid, government-issued photo identification prior to the copies being released to you.
  
  Sincerely,
  
  Compliance Department

• Initial Complaint

  01/05/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  Credit Central LLC & AFF reported an increase from $0 to $626 in a debt which would indicate that I’ve opened a new account or charged something to an account with this creditor, Although I have not recently opened an account with this Creditor, or any account with them that I am aware of. Credit Central LLC & AFF also reported a write/charge off. Any and all charge offs would have been 7 years ago or longer for any overdue accounts that I have had and could have been completed and reported no later than 1 year ago (6 year statute of limitations). I did not open an account with this creditor and have had no overdue accounts with any creditor in over 7 years since my bankruptcy which is beyond the six year statute of limitations and therefore any reporting beyond this time is unjust, too late and not legal. Such accounts would be falling off my credit report a year ago or more instead of incurring new reports. Please provide proof of any new/original account, original signed contract with your company that is within 6 years and rights to report, to my Bankruptcy and Credit attorney ****** ***** ** ************ ** *********************** as well as a copy to my home address. If any account should prove to either not be my account or to be mine and is older than the 6 year statute of limitations, then please completely remove the 3 entries from my credit report and all other credit reporting your company has added since. All necessary legal fees are free for me under my company legal plan and therefore not an inconvenience for me to take any legal steps, should you choose that is the best way to resolve the issue. Please do not call me. Send all communication to my attorney and myself by email and posted mail.

  Business response

  01/15/2024

  Dear Mr. *****:
  
  We are in receipt of your complaint filed with the Better Business Bureau (BBB) dated 01/05/2024 requesting removal of your accounts from your credit report.
  
  Our records indicate you opened account number ******************** on 01/06/2017 when you refinanced your previous loan.  By signing the loan agreement, you agreed to repay the loan in 8 monthly installments of $79.00 beginning 02/05/2017.  On 02/07/2017, you filed a petition for bankruptcy.  Your case was dismissed on 10/17/2018.  No payments have been received since your case was closed.  Credit Central furnishes credit information for 7 years following the first date of delinquency in accordance with the Fair Credit Reporting Act (FCRA).  Your first date of delinquency was 03/05/2017, so this account should continue to report until March 2024.  As that date is quickly approaching, we have submitted a request to delete the account to the three major credit reporting agencies (******** ********* *** **********).  Please allow 7 – 10 business days for your credit report to update.  Copies of any loan documents bearing your signature, which you have requested, may be obtained at the Credit Central branch location where you opened your loan.  To protect your privacy, please be prepared to provide valid, government-issued photo identification prior to the copies being released to you.
  
  Other accounts you have had with Credit Central were paid off as agreed and never delinquent.  Nondelinquent credit information can appear on your credit report for up to 10 years after an account was closed.
  
  Sincerely,
  
  Dana H********
  Director of Compliance

  Customer response

  01/18/2024

  Better Business Bureau,
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution (removal of this account from my credit record) is satisfactory to me. 
  
  Regards,
  
  ****** *****

• Initial Complaint

  12/28/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Subject: Complaint Against Credit Central for Violating "Do Not Call" Registry Dear Better Business Bureau, I am writing to file a formal complaint against Credit Central regarding their persistent disregard for the "Do Not Call" registry regulations. Despite being registered on this list, I have received six unsolicited calls from Credit Central within the last five days. This continuous harassment not only breaches my privacy but also violates the consumer protection guidelines set forth by the "Do Not Call" registry. Despite my repeated requests to cease these calls, Credit Central has shown a flagrant disregard for my privacy rights. I am deeply concerned about this persistent and unwanted contact, which has caused me significant inconvenience and distress. I believe this behavior goes against ethical business practices and consumer protection regulations. I request your immediate intervention to address this matter with Credit Central. I trust that the Better Business Bureau will take appropriate steps to ensure Credit Central adheres to the "Do Not Call" regulations and implements measures to prevent such violations in the future. Thank you for your attention to this matter. Sincerely, ******* *****

  Business response

  01/05/2024

  Dear ******* ******
  
  We are in receipt of your complaint filed with the Better Business Bureau (BBB) dated 12/28/2023 requesting that we cease phone calls.  We will honor this request.
  
  Sincerely,
  
  Compliance Department

• Initial Complaint

  12/01/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I acquired a loan for Credit Central online but through their **********, AL location in August 2023. My monthly payments are $97. Unfortunately, the October payment I mailed to them return. I received 2 phone calls about this on November 1. Actually, the 1st call was a rep stating my payment was due. Then the 2nd call was Misty, the store manager, telling me my payment was returned. I immediately mailed another check payment that same day. I believed on November 3rd, I received a letter in the mail from Credit Center informing me of the return check and the fees associated with the check. I then mailed an additional payment for the fees for $45. Credit Central began to call me everyday to ask me to make a payment and I informed them a payment was mailed to them. Unfortunately, the check I mailed on November 1st for $97 was returned to me. I contacted the postal service and the advised me my payments had to be addressed to the companies PO Box. I did not understand that because I have always addressed payments to their physical address. Therefore, Credit Central received the payment for the fees before they received the first payment I mailed for $97 (my monthly payment). I immediately mailed that payment back to Credit Central, unopened in the envelope the Postal Service mailed to me. However, it was addressed to the PO Box. Because Credit Central were receiving what appeared to be half payments, they returned both payments back to me. At this time also, I mailed them another $97 payment for my November payment. Finally in November 24th, I called their Corporate Office and spoke with a Supervisor. For the first time, the Supervisor told me I couldn’t mail them a check payment because of the return check and needed to pay with cash or a money order. I have no idea why no one, specifically Misty who wanted to argue with me every time we spoke, didn’t inform me of this. THAT SAME DAY I WENT AND GOT A MONEY ORDER FOR $136, THE AMOUNT THE SUPERVISOR TOLD ME TO GET.

  Business response

  12/12/2023

  Dear Ms. *******:
  
  We are in receipt of your complaint filed with the Better Business Bureau (BBB) dated 12/01/2023.  The money order for $136.00 that you mailed after speaking with a Supervisor was received and posted on 11/29/2023.  We also received and posted another payment in the amount of $97.00 on 12/08/2023.  Your account is now current.
  
  Thank you for your payments.  Credit Central appreciates your business.
  
  Sincerely,
  
  Compliance Department

  Customer response

  12/13/2023

  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,
  
  ******** *******

  Business response

  12/13/2023

  December 12, 2023
  
  ******** *******
  BBB Online Portal
  
  Re: Complaint ID # ********
  
  Dear Ms. *******:
  
  We are in receipt of your complaint filed with the Better Business Bureau (BBB) dated
  12/01/2023. The money order for $136.00 that you mailed after speaking with a Supervisor was
  received and posted on 11/29/2023. We also received and posted another payment in the amount
  of $97.00 on 12/08/2023. Your account is now current.
  
  Thank you for your payments. Credit Central appreciates your business.
  
  
  Sincerely,
  
  
  Compliance Department
  
  
  
  
  

• Initial Complaint

  08/18/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  In the month of April my mail was stolen. Credit Central LLC send a check in the mail in the amount of ****. The check was cashed with my new ID that also was stolen from my mail. I have previously lost my purse and I had just got my new ID. I filed a police report. There were some other accounts opened on my name but those were resolved. I have try to reach out to this company multiples times and no one can help. I also spoke with Yolanda O***** about this situation and no help at all. Everytime I called no one answer or I leave a voicemail and no one calls back. I recently disputed this account on my credit report. Transunion deleted but they reported the account back into my credit. I explained to them multiples times that I didn't cashed this check.

  Business response

  08/18/2023

  Dear Ms. ******:
  
  We are in receipt of your complaint filed with the Better Business Bureau (BBB) dated 08/17/2023 alleging identity theft.
  
  To investigate your claim that you did not cash the check mailed to you, we require the following documentation:
  
  1.Completed ID Theft Affidavit (enclosed) – MUST BE NOTARIZED;
  2.Copy of government-issued photo identification
  (i.e. driver’s license, state-issued ID card, passport); and
  3.Proof of residency (at the time the disputed account was opened).
  
  Please send all documents listed above to the address below, and we will open an investigation of your allegations.
  
  Compliance:  ID Theft
  Credit Central
  *** **** ***** ******* ***** ** *********** ** *****
  
  If you have any questions, please contact us at ***** *********
  
  Sincerely,
  
  Dana H********
  Director of Compliance, Paralegal
  
  Enclosure
  

• Initial Complaint

  08/07/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This account was paid and settled with Credit Cental it was agreed it would be removed from credit report

  Business response

  08/08/2023

  Dear Mr. ******:
  
  We are in receipt of your complaint filed with the Better Business Bureau (BBB) dated 8/7/2023 alleging that Credit Central agreed to remove your account from your credit report.  Enclosed please find a letter emailed to you on 1/27/2021 advising that we will furnish to the credit bureaus that your current balance is $0.  Credit Central did not agree to remove your account from your credit report.  We are required by the Fair Credit Reporting Act (FCRA) to furnish all credit information fully and accurately to the credit reporting agencies and accordingly, we are unable to grant your request to remove accurate, factual data.
  
  Sincerely,
  
  Dana H********
  Director of Compliance, Paralegal

• Initial Complaint

  07/26/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  i am not liable for this debt at Credit Central, LLC (Parent Co.) i do not have a contract with Credit Central, LLC (Parent Co.). they did not provide me with original contract as i requested

  Business response

  08/04/2023

  Dear Ms. ******:
  
  We are in receipt of your complaint filed with the Better Business Bureau (BBB) dated 07/24/2023 stating Credit Central did not provide you with your original contract as requested.  We have no record of such request.  The original contract is retained until the loan is paid out. Copies of any loan documents bearing your signature may be obtained at the Credit Central branch location where you opened your loan at **** ******* **** ***** ** *********** ** *****.  To protect your privacy, please be prepared to provide valid government-issued photo identification prior to the copies being released to you.
  
  We are required by the Fair Credit Reporting Act (FCRA) to furnish all credit information fully and accurately to the credit reporting agencies and accordingly, we are unable to grant your request to remove accurate, factual data.
  
  Sincerely,
  
  Compliance Department

*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. ↩