ComplaintsforCredit Central, LLC (Parent Co.)

• Initial Complaint

  09/19/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I fell into financial hardship in June and I haven’t been able to pay the balance on my bill. Ever since then I have been getting several phone calls to my own phone to the point I had to block the number. Now I am getting collection calls to my job every other day and it is putting my employment in jeopardy since we aren’t allowed to receive personal calls on the job. I would like someone from corporate to contact me so we can reach a resolution.

  Business response

  09/28/2022

  Dear Mr. *****:
  
  We are in receipt of your complaint filed with the Better Business Bureau (BBB) dated 9/18/2022 stating you wish no further contact at your place of employment.  We will honor this request.  We have updated your account record to reflect that you do not wish to be called at your job.
  
  ******** *****, District Supervisor, spoke with you about your bill over the phone on 9/20/2022.  Mr. ***** reviewed your account history with you and explained that communication needs improvement.  You said you would call the branch by the end of the day.  However, we have not heard from you or been able to reach you since that date.  We believe that communication with our customers is the key to a successful business relationship, and we are more than willing to help as long as you communicate with us.
  
  Sincerely,
  
  Compliance Department

• Initial Complaint

  09/19/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  On 9/16/2022 this company contacted a family member of my husband which we don't have contact with nor we have communication with regarding the status on my loan. This individual was never used as a reference in this company and they keep contacting people whom i dont have communication with that aren't the references I provided for them.

  Business response

  09/26/2022

  Dear Ms. ********:
  
  We are in receipt of your complaint filed with the Better Business Bureau (BBB) dated 9/16/2022 stating you wish no further contact by the business.  We will honor this request.  We have updated your account record to reflect that you do not wish to be called.  Should you wish to discuss your account in the future, please contact the branch servicing your loan directly at ***** ********.
  
  Sincerely,
  
  Compliance Department

• Initial Complaint

  09/09/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am currently a client of a debt settlement company. I have multiple loans that I am trying to settle on. This company continues to call me every day. Disrupting my workday. It is really nerve-racking sometimes. And I wish they would stop. I’ve been a customer with this company for A long time. I’ve always been my payments on time. When I first started this program. I had not heard from this company in two months.

  Business response

  09/13/2022

  Dear Ms. ********:
  
  We are in receipt of your complaint filed with the Better Business Bureau (BBB) dated 9/9/2022 requesting that we cease and desist phone calls.  We will honor this request.  We have updated your account record to reflect that you do not wish to be called.  Should you wish to discuss your account in the future, please contact ***** *********  
  
  Sincerely,
  
  Dana H********
  Director of Compliance, Paralegal

• Initial Complaint

  08/12/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I’m not sure the if the date I was contacted ; but I got a call from credit central I’m sylacauga Al asking me about a check that they sent to our previous address . An address we haven’t lived at since 2019 . Apparently the checked was cashed ; I don’t know the amount . And put on my credit . I was alerted by this and contacted credit central . The lady asked me to come in and verify my signature; I did . And it wasn’t mine . I showed and gave copies of my license and SSI. She call wanting me to do a police report and bring it to them . That’s not my responsibility . I have no dealings with them ; nor did they give me a loan . I want them to remove it from my credit and stop harassing me .

  Business response

  09/02/2022

  Dear Mr. ******
  
  We are in receipt of your complaint filed with the Better Business Bureau (BBB) dated 8/12/2022 alleging your account does not belong to you.
  
  In order to investigate your claim that you didn’t open your account, 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
                          Credit Central, LLC
                          *** **** ***** ******* ***** **                         *********** ** *****
  
  If you have any questions, please contact us at ***** ********.
  
  
  Sincerely,
  
  
  Compliance Department
  
  
  Enclosure

• Initial Complaint

  08/09/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This creditor has different last activity dates reported on 3 bureaus, different balance and also different balance on each bureaus. In Fair Credit Reporting Act that all bureaus must ensure the accuracy on each credit report but what is this? what's happening on my credit report? It's all different that's why I want these to be deleted ASAP!! CREDIT CENTRAL - EPO Account Number: ******************

  Business response

  09/02/2022

  Dear Ms. *********:
  
  We are in receipt of your complaint filed with the Better Business Bureau (BBB) dated 8/9/2022 regarding inconsistent data on your credit reports.  If you disagree with any information contained in your credit reports regarding your account with Credit Central, please submit a valid dispute to the address below fulfilling the requirements of the Fair Credit Reporting Act (FCRA).  Those requirements are to (1) identify any specific information that you dispute; (2) explain a basis for any dispute; and (3) include any supporting documentation to substantiate any dispute.  Once we have received that information, we will open an investigation.
  
  Compliance:  Direct Disputes
  Credit Central, LLC
  *** ** ***** ******* ***** ** *********** ** *****
  
  
  Sincerely,
  
  Compliance Department

• Initial Complaint

  08/02/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I paid off this account earlier this year. Once I paid off the account with the rep over the phone. They stated it would take up to 60 days for the account to be removed from my credit report. It's still reflecting on my credit report. I would like for the item to be removed from my credit report like promise. Thanks.

  Business response

  09/02/2022

  Dear Ms. *****:
  
  We are in receipt of your complaint filed with the Better Business Bureau (BBB) dated 8/2/2022 requesting that your account be removed 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.  If you disagree with any information contained in your credit report regarding your account with our Company, please submit a valid dispute to the address below fulfilling the requirements of the FCRA.  Those requirements are to (1) identify any specific information that you dispute; (2) explain a basis for any dispute; and (3) include any supporting documentation to substantiate any dispute. Once we receive that information, we will investigate.
  
  Compliance:  Direct Disputes
  Credit Central, LLC
  *** ** ***** ******* ***** ** *********** ** *****
  
  Sincerely,
  
  Compliance Department

• Initial Complaint

  07/12/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Account # ****************** These account are inaccurate under 15 U.S.C. 1692g validation of debt. In addition, while the collector attempted to collect a debt that is not mine, they broke 15 U.S. Code § 1692k - Civil liability. Below I have attached the definition of the law as this is my right. Please have this inaccurate account removed from my credit as it is damaging my personal life or pay the $1,000 fine for breaking this law. 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)any actual damage sustained by such person as a result of such failure; (2)(A)in the case of any action by an individual, such additional damages as the court may allow, but not exceeding $1,000; or (B)in the case of a class action, (i) such amount for each named plaintiff as could be recovered under subparagraph (A), and (ii) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of $500,000 or 1 per centum of the net worth of the debt collector; and (3)in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorney’s fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorney’s fees reasonable in relation to the work expended and costs. It was communicated to me to reach out to creditor to expedite the removal. As of the date of previous complaints, it has been over thirty days with no compliance to the Fair Credit Reporting Act (FCRA 15 U.S.C. 1681) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries (FCRA 15

  Business response

  08/11/2022

  Dear ******* *****:
  
  We are in receipt of your complaint filed with the Better Business Bureau (BBB) dated 07/11/2022 alleging the collector attempted to collect a debt that is not yours.  Please be advised that Credit Central is not a collection company and does not sell or assign loans to debt collection agencies.
  
  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 Credit Central, *** **** ***** ******* ***** *** *********** ** *****.  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

  06/09/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

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

  Business response

  08/03/2022

  Dear Mr. ******:
  
  We are in receipt of your complaint filed with the Better Business Bureau (BBB) dated 6/8/2022 alleging that you do not have a contract with Credit Central and that we did not provide the original application when you asked.  Credit Central has no record of such a request.  Copies of any loan documents bearing your signature may be obtained at the Credit Central branch location where the loan(s) was opened.  In order to protect your privacy, please be prepared to provide valid, government-issued photo identification prior to the copies being release to you.
  
  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 Credit Central, 700 East North Street, Suite 15, Greenville, SC 29601.  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

  03/23/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I received a letter from your company stating that you are attempting to collect an alleged debt. For starters, I do not owe your company any money, for two how in the world are you collecting a debt on behalf of another collection company? So, are you insinuating that I had an account or some type of credit was lent to me on behalf of Credit Central? I have not done any business with your company or any other company involved. I need you to provide legal proof that I have the right to do business with you, what bounds me to you? What kind of business dealings have I done with you? Please provide me with a full debt validation, I am demanding that you remove this account from my credit reports at once, it is absorbed that your company would put something like this on my credit file. Not only do I not owe you any money, but I know for sure that a collection cannot collect a debt on behalf of another. My lawyer has advised me to contact the FTC as well as the CFPB which I have done so. I am currently waiting on the hard copy of the police report that I have filed against your company and all companies involved in allowing this false account to be reported to my credit file. Please remove this account in 3 business days from this letter. This false account has tarnished my credit file. I hereby state that the information above is true, to the best of my knowledge. I also confirm that the information here is both accurate and complete and relevant information has not been omitted. REMOVE ACCOUNT “CREDIT CENTAL $532”

  Business response

  03/23/2022

  Dear Mr. ******:
  
  We are in receipt of your complaint filed with the Better Business Bureau (BBB) dated 03/22/2022 alleging that Credit Central is collecting a debt on behalf of another collection company.  Please be advised that Credit Central is not a collection company and does not sell or assign loans to debt collection agencies. 
  
  Your complaint and its attachments do 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 Credit Central, *** **** ***** Street, Suite **, Greenville, SC 29601.  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 (https://ftc-identity-theft-affidavit.com/), a valid police report, a court order, or account statements) (collectively, the “Direct Dispute Notice Information”).
  
  
  Sincerely,
  
  
  Compliance Department

• Initial Complaint

  02/11/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I took out a small loan back in 2020 because money was tight and it was Christmas time. I fell sick with Covid and was unable to make my first payment. Tried to contact them to work out a payment arrangement and was told by the manager at the ********** TN location that “ it’s not my problem and that they’ll get their money one way or another”. So I stopped trying to work it out and got behind even more. 3-4 months later I was done with the harassing phone calls, texts and visits. They had called my fiancé at that time even and her grandparents while we were dealing with cancer in the family. They’ve caused so much grieve that I went into the branch to try and settle this. A new manager was there and when I explained the situation of the prior manager and her conduct, I was told by Michelle that “ the prior manager is no longer here due to how she’s conducted herself with others”. I would’ve never got this far behind if the lady hadn’t been so rude and nasty to begin with. We set up a payment arrangement to get myself back on track but fail behind again. I was told it’s to late and it’ll go to legal. I’ve tried contacting legal and keep being told “ the manager will call me” and it never happens. I’ve offered a settlement and was told it was not going to be enough. I’m willing to settle but I want this off my credit report. I’ll await for a response from credit central.

  Business response

  02/22/2022

  Dear Mr. ****:
  
  We are in receipt of your complaint filed with the Better Business Bureau (BBB) dated February 11, 2022.  ***** ******, District Supervisor, spoke with you over the phone on Friday, February 11, 2022 and Monday, February 14, 2022.  Per your request for settlement, we will accept in full satisfaction of your obligation for loan ********** the exact sum of $550.00 payable in two payments.  If the payments are not received by the due dates listed, this offer is withdrawn, and becomes null and void.  This settlement offer applies only to the above-referenced account number and does not affect any other accounts you may have or have had with us.
  
  DATE AMOUNT
  02/18/2022 $275.00
  03/04/2022 $275.00
  
  Please be advised that upon receipt of the required payments, this account will be considered settled and you will not be obligated to pay any remaining balance.  The terms of this settlement are final, and we have no obligation to renegotiate them at a later date.  Subject to applicable law, payments submitted as a result of this settlement are not eligible for refund at any time, except in rare instances, such as where the total of all payments made exceeds the total amount due under the terms of this settlement.
  
  Upon our receipt of the final payment, we will:  (1) update our internal records to permanently reflect this agreed settlement; (2) furnish to the credit reporting agencies (“CRAs”) the fact that the account has been settled in full for less than the current balance with a $0 balance by including this information in our regular monthly data file to the three major CRAs (Equifax, Experian, and TransUnion); (3) release any existing judgment on the settled account by filing a Satisfaction of Judgment or other necessary means with the appropriate court; and (4) return to you the original or a copy of the promissory note marked “Settled in Full.”
  
  Please note that this offer is only valid if the settlement payments under this agreement are received in accordance with the terms stated above.  Please make payments payable to “Credit Central” and submit directly to the branch where your account is located.
  
  Credit Central
  **** **** ****** Boulevard
  **********, TN 37813
  
  
  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. ↩