ComplaintsforCredit Central, LLC (Parent Co.)

• 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

• Initial Complaint

  07/05/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  On 5/17/23, I submitted disputes to the credit bureaus for an account appearing on my credit report, Credit Central EPO. I never received a response back so I went to the company directly. Still no response. Then I filed a complaint with the CFPB bureau, the company finally responded and said they mailed a letter on 6/02/23. I believe this is a lie, because today is 7/2/23 and the mail does not take 30 days. All I requested was simple validation/verification of the debt, any information at all, and the company also stated in their response to my complaint on the CFPB website that they could not provide me with any documentation, but that I had to go to a local branch. MAJOR RED FLAG. As I continued to wait on the mail they said they sent, I went over the letter again they posted in the CFPB website. The letter was photoshopped and it is so easy to see. My name, account number, and DATE, were photoshopped on a letter, I guess to make it look like they actually processed my letter to them. They continue to report information on my credit report, yet are unable to send me any information and are doctoring letters to make it look like they received my letters and responded to them.

  Business response

  07/14/2023

  Dear Ms. ******:
  
  We are in receipt of your complaint filed with the Better Business Bureau (BBB) dated 07/02/2023 requesting debt validation.  Credit Central does not sell or assign loans to debt collection agencies.  Debt validation is a remedy under the Fair Debt Collection Practices Act (FDCPA), which does not apply to Credit Central.  You can obtain copies of your loan documents and information at the branch location servicing your account.  In order to protect your privacy, please be prepared to provide valid, government-issued photo identification prior to the copies being released to you.
  
  Credit Central received your dispute letter dated 05/17/2023 on 05/22/2023 and mailed our response, of which you have a copy, to you on 06/02/2023.  The response was not photoshopped or doctored.  Unless you provide the information requested in our response, we will not respond to future frivolous correspondence from you.  You must identify the specific error you are disputing and present documentation substantiating the error.  Then we will verify the accuracy of the disputed information.
  
  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.
  
  Respectfully,
  
  Dana H********
  Director of Compliance, Paralegal

• Initial Complaint

  03/27/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I was contacted by Credit Central, a worker named Adrian who was asking me about a man by the name of Larry Lattimore. I know who this man is but have no personal knowledge of him or any of his family. The lady stated she had got my contact information from a report? And I have never had any dealings with this business whatsoever so I am not sure how she obtained my phone number but I am not happy about it at all! I asked her kindly to never contact me again.

  Business response

  04/03/2023

  Dear Ms. McCloud:
  
  We are in receipt of your complaint filed with the Better Business Bureau (BBB) dated 3/24/2023 requesting no further contact from Credit Central.  We will honor your request.
  
  
  Sincerely,
  
  
  Compliance Department

• Initial Complaint

  03/24/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  Invasion of privacy . Kristi at ****** ******* in beaufort saw my father at the harold’s country club and/or store and told him that I need to pay my money I owe them . After 8pm closing hours

  Business response

  04/03/2023

  Dear Ms. *********
  
  We are in receipt of your complaint filed with the Better Business Bureau (BBB) dated 3/23/2023 requesting no further contact from ****** ********  We will honor your request.  We have updated your account record to reflect that you do not wish to be contacted.  Should you wish to discuss your account in the future, please contact the branch servicing your loan directly at ***** ********.
  
  
  Sincerely,
  
  
  Compliance Department

• Initial Complaint

  01/23/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this debt with Credit Central LLC & AFF and do not have a contract with convergent. They do not provide me with the original application like I asked.

  Business response

  01/27/2023

  
  ******** *****
  BBB Online Portal
  
  Re:       Complaint ID # ********
  
  Dear Ms. *****:
  
  We are in receipt of your complaint filed with the Better Business Bureau (BBB) dated 1/23/2023 alleging that you are not liable for your debt with Credit Central and that we did not provide the original application when you asked. 
  
  Your complaint does not provide adequate information to identify the account(s) you are disputing.  If you wish to dispute your credit in the future, please mail a direct dispute to:
  Compliance: Direct Disputes
  ****** ******** *** *** ** ***** ******* ***** ** *********** ** *****
   We only investigate a direct dispute when a consumer provides a complete Direct Dispute Notice that includes the following:  (i) sufficient information to identify the account in dispute (e.g., name, address, full account number, etc.); (ii) the specific information being disputed and an explanation of the basis for the dispute; and (iii) substantiating documentation or information from the consumer (e.g., a copy of the relevant portion of the consumer report that contains the allegedly inaccurate information, a completed and notarized identity theft affidavit, a valid police report, a court order, or account statements) (collectively, the “Direct Dispute Notice Information”).
  
  
  Sincerely,
  
  
  Compliance Department

• Initial Complaint

  01/05/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  1.I have never had an account with this company CREDIT CENTRAL LLC & AFF, REMOVE from all credit agencies from reporting. 2.“consumer” means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code §1692a (3) 3.This letter is in pursuing 15 U.S. Code §1692c (c) Ceasing communication 4.I am the “consumer” mentioned in 15 U.S. code §1692a (3) You are CREDIT CENTRAL LLC & AFF the debt collector 15 U.S. Code1692a (5) I am invoking specified remedies under use 15 U.S. code §1692c (c) (2) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code §1692c (c) (1) 5.I am the executor under the 15 U.S. Code §1692c (d) pursing to 15 U.S. Code §1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section: (1) (2) and (4) 6.According to 15 U.S. Code §1962e (8) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code §1692e (12) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code §692f Unfair practices (8) 9.While pursuing to §1692g (b) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code §1692k Civil Liability (a) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of— (1) (2) (A) (B) (3)

  Business response

  01/13/2023

  Dear Mr. ******:
  
  We are in receipt of your complaint filed with the Better Business Bureau (BBB) dated 1/5/2023 alleging your accounts do not belong to you.
  
  In order to investigate your claim that you didn’t open your accounts, we will need you to provide us with the following documentation:
  
  Completed ID Theft Affidavit – MUST BE NOTARIZED (enclosed);
  Copy of government-issued photo identification
  (i.e. driver’s license, state-issued ID card, passport);
  Proof of residency (during the time the disputed loan was made); and
  Valid Police Report.
  
  Please return the completed documents listed above to the address below, and we will open an investigation into your allegations.
  
                          Compliance:  ID Theft
                          ****** ******** ***                         *** **** ***** ******* ***** **                         *********** ** *****
  
  If you have any questions, please contact us at ***** ********.
  
  
  Sincerely,
  
  
  Compliance Department
  
  
  Enclosure

• Initial Complaint

  12/28/2022

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  Over $800 The company turned down my attempt to pay off the loan in full. The company garnished my wages every week for six weeks, and still claim I haven't paid the loan off.

  Business response

  01/05/2023

  Dear Mr. ********:
  
  We are in receipt of your complaint filed with the Better Business Bureau (BBB) dated 12/27/2022 stating that Credit Central claims you have not paid off your loan after your wages were garnished. 
  
  ******* *******, Director of Legal Center, spoke with you on 12/28/2022 to address your concerns.  She explained the legal process including how judgment was received and how a balance was due after the initial garnishment was filed.  You agreed to pay a settled balance of $85.00 (the balance owed without court costs) on Friday, 12/30/2022 in our Opelika branch. We have not received payment as of the date of this letter. Ms. ******* also advised that once the settled balance is paid, a satisfaction of judgment will be filed, and the court will mail a copy to you. If you have any questions about your account, please contact Ms. ******* ******* at ***** ********.
  
  
  Sincerely,
  
  
  Compliance Department

• Initial Complaint

  12/07/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  My name is ******* *****, located in **********, AL. I’m filing this complaint because **** ******* ******* ***** *** has maliciously taken advantage of me. On 11/17/2022 I called Credit Central and was directed to a branch in Gadsden, AL. There, I spoke with Kristy and another lady about asking if they would be willing to negotiate a lower amount so I can settle the account. I gave them all my information again, my bank information, everything they asked me for and more. I was told to call back in two business days for the response in the system. I called back at least 5 times from 11/17/22 - 12/6/22 and they stated nothing was in the system yet, to continue to call back. I kept calling and calling. I have phone records. They never said it was declined, just to keep calling until they receive an answer. On 12/6/22, my entire bank account was wiped out, including my student loan refund. I called the Gadsden branch back and asked them what happen. None of the workers knew how to assist me so I asked to speak the manager. The manager, Charlie S****** declined to speak with me. Charlie refused to provide me with any info. I still don’t have any documentation about the amount taken from my bank account is paid. If Charlie couldn’t assist me, she should have declined the request and had me contact a someone else the first time I called in asking for assistance with the payout. They lead me on thinking I was being helped and worked on to discard of me. If Charlie couldn’t help me, I would’ve made a large payment of what I legally had to give. I’m requesting an investigation into my account and profile

  Business response

  12/19/2022

  Dear Ms. *****:
  
  We are in receipt of your complaint filed with the Better Business Bureau (BBB) dated 12/07/2022.  Our records indicate that you stated you did not want to speak with the manager on 12/07/2022 when she was available.  On 02/28/2022, we offered to settle your account for $900.00.  We are not obligated to renegotiate.
  
  
  Sincerely,
  
  
  Compliance Department

  Customer response

  12/20/2022

  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. 
  
  Good morning, 

  
  

  Credit Central is not providing accurate information regarding my complaint. Yes, I called them 2/2022 and I requested a reduction that was not offered. Their entire system was down, per the woman I spoke with. I’m requesting that they look into their system’s failures and see that they had a system outage those days. Their IT person is able to see that I’m telling the truth. Now, regarding my most recent call to them, the manger declined to speak with me! I called back to get the manager’s name and number and I spoke with the rep Kristy. That’s another reason why I filed this complaint in the first place. The manager refused to speak with me! It’s extremely disheartened to have to fight for my rights when they fail to ensure their employees are updating the CRM properly. No manager has reached out to me, ever! Lower management nor upper management to understand my concerns. Is a company allowed to decline speaking with clients? Why am I being treated this way? I have been patient and professional throughout this whole ordeal but I can’t get anyone to assist me or even speak with me. This company doesn’t even have a signed contract on file or even my drivers license to know if this is even my account. I am concerned and I would like someone to call or email me, if they don’t have time to talk over the phone. Can you tell me what my next steps are? I’m in the blind in every aspect of this. 
  

  
  Regards,
  
  ******* *****

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