Complaints

This profile includes complaints for North American Credit Services's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  North American Credit Services

  2810 Walker Rd Chattanooga, TN 37421-1191

  
• 

  North American Credit Services

  PO Box 182221 Chattanooga, TN 37422-7221

  

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.

• Initial Complaint

  Date:03/11/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  North American Credit Services, Inc. sent me a notice in the mail on February 18th indicating that I have a balance of 128.00 that this is owed to their company by me. I don't owe this debt. I never established a contract with this company. I have full medical coverage. And I will not be paying a debt collection company any money. They are in violation of my rights.

  

  Business Response

  Date: 03/18/2025

  This is the same response we have provided to Mr. ****** on 4 other occasions.

  We have reviewed and researched this complaint. Clearly Mr. ****** realizes the call from our office is in relation to the outstanding balances he has with ************ ******* ***** ******* as he states he has medical insurance. We have four accounts outstanding that are all balance after his ***** insurance carrier have processed the claims. The remaining balances were applied to his deductible and/or coinsurance. We recognize and have processed his request for cease communications but that does not alleviate the debt. If you would like to resolve your outstanding balances owed, please contact our office and we are happy to assist with accepting payment or assist with a payment arrangements.

• Initial Complaint

  Date:11/11/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 receiving harassing phone calls which need to stop. I don’t not have a contract or agreement with this company and I don’t owe a debt to them. I will take legal action if any information is added to my credit report. No information has been provided including an original contract as requested.

  

  Business Response

  Date: 11/20/2024

  We have reviewed and researched this complaint.  We have attempted to contact the consumer by phone on October 7, 2024 (left a message), November 1 (left a message), 2024 and November 11, 2024 (someone answered and hung up when advised who we were).  There has not been any communication from the consumer to our office to date.  

  We will recognize your request calls to stop although this does not resolve the account.  If you would like to resolve your account with our office, you may call us directly a* *************** **** *** to discuss options available. 

  Customer Answer

  Date: 11/21/2024

  
  Complaint: ********
  
  I am rejecting this response because: As I stated before I don’t it have a contract with this company and if so please provide documentation otherwise don’t not report inaccurate information to my credit reports and I have not had any communication with anyone other harassing texts 
  
  Sincerely,
  
  ******** ******

  

  Business Response

  Date: 11/25/2024

  I have asked our team to provide validation documents to be sent via mail to your home address.  Please be on the look out for those soon.  Thank you.

  Customer Answer

  Date: 11/26/2024

  
  Complaint: ********
  
  I am rejecting this response because: I don’t have a contract with this company nor do I owe them a debt 
  
  Sincerely,
  
  ******** ******

• Initial Complaint

  Date:10/14/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  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.

  They started contacting me about a bill from physical therapy. Back in July 2024 I asked for validation and I asked for very SPECIFIC information to be provided in that validation. I received it in the mail missing 50% of the information I asked for as part of the validation including the purchase agreement to confirm they had a right to collect this debt because it was legally purchased from the original creditor. Many debt agencies collect patient information in data breaches and then try and collect the debt themselves. That is why I wanted the purchase agreement. I reached out again and asked for complete validation. No response. So on Sept 29, 2024 I asked not to be contacted again. On Oct 12 I received another debt collection letter even though they were no longer supposed to contact me. The insane part is I don't actually owe this debt. They are attempting to collect a paid debt.

  

  Business Response

  Date: 10/24/2024

  Thank you for contacting us.  We have reviewed and researched this complaint.  It was found that the validation information provided was within regulatory requirements.  As to the adjustments made on the accounts, it was found by the original provide of service that the charges were incorrect and adjust our balances accordingly.

  Please contact customer service for further questions and/or to make arrangements to resolve your account at *************** **** ***.  Thank you.

  Customer Answer

  Date: 10/26/2024

  
  Complaint: ********
  
  I am rejecting this response because:  You didn't actually address the complaint.  I don't have a debt to be collected.  I do not owe you, the collection agency, any unpaid balances on debt from any creditor.  You completely ignored that FACT.

  Since your validation was only the bare minimum required, I can return the favor.  I will give you the bare minimum proof that I paid this bill directly to my doctor's office by simply just telling you that is what I did.

  Considering this bill is not a collections debt, you should not have it.  This bill is paid in full.  I do not owe this debt.  Stop trying to collect a nonexistent debt.

  
  Sincerely,
  
  ***** ********

  

  Business Response

  Date: 11/05/2024

  Your refusal to provide documentation has been noted as well from your communication through the CFPBs complaint process.  We have executed a cease communication for this account.

  Customer Answer

  Date: 11/06/2024

  
  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. It is not my job to make sure the debt they obtained is actually a debt. That is their job. I will not nor do I have to provide them with documentation that they have an actual debt in their possession.  That was a job that should have been done when they got a hold of my information by their employees. When they were notified of it, they should have checked... Not me checking for them. I don't get paid to do their job. Therefore, their cease contact is acceptable. 
  
  Sincerely,
  
  ***** ********

• Initial Complaint

  Date:01/24/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  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.

  NACS continues to call me in regards to a $50 hospital debt. They REFUSE to provide me with proof of said debt. I have asked them to email it, mail it, give me info over the phone, etc. They just want to argue and two different reps hung up on me while trying to obtain info on MY account They claim I have/owe. Provide the info!

  

  Business Response

  Date: 01/25/2024

  We have reviewed and researched the complaint.  We received a dispute from Ms. ******** ********** in Oct 2023.  On 11/01/23 we mailed validation documents to Ms. ********** in regards to the debt.  On 01/23/24, Ms. ********** spoke with a representative in our office and advised that she is filing bankruptcy but refused to provide the bankruptcy information nor her attorney's contact info.  After that call, she called back in to our office and provided her attorney's contact information and then proceeded to yell and curse our employee.  

  We have provided the required documents to validate her dispute.  We consider this complaint, closed.

  Customer Answer

  Date: 01/26/2024

  
  Complaint: ********
  
  I am rejecting this response because: as explained to them repeatedly, I never received anything via mail from them. Both reps I spoke to on the 23rd refused to provide me the info via mail or even give me an account number. Both were combative and argumentive, demanding to know what kind of bankruptcy I was in process of filing. That information isn't any of their business. They received my attorney's full information of which I had zero issue providing them. I said a curse word while speaking to the rep, I did NOT "curse their rep." This business is incredibly unprofessional. When someone returns your call as you asked them to do in a recorded message, and then you refuse to provide them account info or proof of bill, how can they possibly pay you and or resolve the complaint? They can't. You need to provide a billing statement as requested via email or mail whether or not you sent one previously (again, never received), or not. 
  
  Sincerely,
  
  ******** **********

  

  Business Response

  Date: 02/06/2024

  I have attached the Itemized Bill sent as validation to the consumer on 11/01/23.  We have provided the required documentation previous and have now provided it again.  The account remains open at this time.

  Customer Answer

  Date: 02/07/2024

  
  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.
  
  Sincerely,
  
  ******** **********

• Initial Complaint

  Date:11/27/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 company keeps contacting me for a bill that was already paid by a clinic. I sent them the receipt and emails from the clinic and they continue to contact me. They recently threatened me with legal action.

  

  Business Response

  Date: 12/05/2023

  We have reviewed and researched the complaint. The "estimate" was provided at the date of service. Due to the medical need, additional treatment and charges were applied as a result of the treatment. We have consulted with the provided and they have confirmed the charges are accurate.

• Initial Complaint

  Date:07/17/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  Received an UNWANTED phone call from North American Credit regarding my disputed bill from *************; they REFUSE to turn this amount back to ************ in order for me to work DIRECTLY with ************ to set up a payment plan as I have asked for. They REFUSE to Cease and Desist!

  

  Business Response

  Date: 07/21/2023

  We have reviewed and researched Ms. ********'s complaint.  Ms. ******** has several outstanding balances with our office due to non payment.  The original creditor has placed with our office as such.  Ms. ******** called our office on 07/14/23 and berated our customer service agent and asked to speak to a supervisor.  Unfortunately due to timing, a supervisor was unavailable.  On 07/19/23, the supervisor contacted Ms. ******** back and again berated our employee.  We have marked all accounts that we currently have for Ms. ******** as Cease Communication per her request.  

  At this time Ms. ********'s accounts will remain with our office.  If Ms. ******** would like to make arrangements to pay her accounts, she may contact our office to make a suitable monthly payment plan.  We are happy to work to assist Ms. ******** with the resolution of her accounts.

  Customer Answer

  Date: 07/24/2023

  
  Complaint: ********
  
  I am rejecting this response because:

   

  NOT AN ACCEPTABLE AGREEMENT!  This matter has been referred to the ******* ******** ******* for further handling based on this organization's REFUSAL to cooperate and their poor level of service.  UNDER NO CIRCUMSTANCES WILL I PAY THEM OR ANY THIRD PARTY WHATSOEVER!!!  Yes, they were berated because of their refusal to render me nothing less than their fullest and complete cooperation and I am justified in reacting the way I did.  If they expect an apology from me, that will not take place.
  
  Should this organization disobey and violate the verbal Cease and Desist order I had given, I will not hesitate to pursue legal action against them.

  I expect and DEMAND they cooperate completely with the ******* ******** ********* *******

  It is in their best interests that they govern themselves accordingly.

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

• Initial Complaint

  Date:03/14/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 sent a certified letter to NACS in regards to verification and I am still waiting for a respond

  

  Business Response

  Date: 03/16/2023

  Thank you for contacting us.  We received the dispute from Mr. ****** on 01/23/23.  We mailed Mr. ****** the corresponding validation documents on 02/06/23 to the same address as on this complaint.  If Mr. ****** has further questions or concerns he may contact our collections service department at 1-800-467-5654, x ***.  Thank you.

• Initial Complaint

  Date:02/24/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  In mid-January, I received a letter from North American Credit Services, Inc. saying that my account with ************ ******* ******* was past due and had been placed with them as a collections agency. I had previously set up automatic payments with ******* ******* and therefore believed the letter was in error and wanted more information on the incident. I therefore sent an e-mail to their dispute/complaints e-mail address on January 18th. I received an automatic response and said they would respond and investigate. I never heard anything further so I responded via e-mail on January 23rd. On February 7th, I followed-up again. Then today, I finally paid the amount and sent another e-mail. I paid the amount because I was worried they would send follow-up letters and potentially try to impact my credit score. This type of behavior is unacceptable when they are demanding payment, particularly since I didn't believed it to be in error. More information from the company would have allowed me to have detailed conversations with ****** ******* *******. Instead they never got back to me and made me feel concerned if I didn't pay. I would like this organization to be investigated and have someone from North American Credit Services reach out to me to discuss further. I would also like my credit score to be amended since the alleged lack of payment was not discussed with me.

  

  Business Response

  Date: 03/03/2023

  Thank you for contacting us.  Your compliant was reviewed and researched.  We do show the account as paid in full at this time.  A letter was mailed to you to confirm for your records.  This account was not placed on your credit report.

• Initial Complaint

  Date:11/28/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  Advent Health has sent an unpaid claim to NACS for collection. I have also filed a claim against Advent Health- Claim # ************************************- please refer to that claim for additional information. I have attached all correspondences with both NACS and Adven Health for this collection claim. NACS sent me a letter on 11/9- with an Advent Health Statement balance of $0 - asking for the payment of $2655.75- they claim since Advent Health transferred it to them, I have to pay NACS that amount. The way I read the statement is that Advent Health has forgiven the $2655.75- this should never have been sent to collection in the first place since I was corresponding with Advent Health since January, and they did not reply to my mother's emails as promised. Advent Health sent it to collections prior to contacting me with a solution. I hope you will help me with this claim so I will not be responsible for payment and my credit will not be affected.

  

  Business Response

  Date: 11/30/2022

  After review of your complaint, the provider determined this balance is remaining as applied to your insurance deductible.  Please contact our customer service at 1-800-467-5654 department to discuss payment options.  Thank you.

• Initial Complaint

  Date:10/24/2022

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  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 went to a Centra Care and was charged $50 after insurance. I paid in two installments of $25, one in March and one in April. Months later, I received a letter from NACS collections saying I owed $25. I emailed them multiple times showing the proof of payment, but have not received a response.

  

  Business Response

  Date: 11/07/2022

  Good Afternoon,

  We have reviewed and researched the complaint.  It was found that 2 $25 payments were credited to the account but on 04/02/22, $25 was refunded.  

   

  Please call 1-800-467-5654 to discuss how to resolve the balance with one of our customer service representatives.  Thank you.

  

  Business Response

  Date: 12/05/2022

  We have now been requested to close the account in our office by the provider's office.  Thank you.  

  Customer Answer

  Date: 12/06/2022

  
  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 have proven that I was not refunded any money and paid my bill in full. The collections agency has agreed to close the case.
  
  Sincerely,
  
  **** *******