Complaints

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:03/18/2025

  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.

  I honestly dont get why COMPLETE CREDIT SOLUTI is reporting this debt under my name because I dont owe them anything. I never signed anything with them, and when I asked for a copy of the original application, they didnt even bother to provide it. Its frustrating because this is hurting my credit for no reason, and its just not fair. How can they just put something on my report without any proof?Account No: ***** Amount Disputed $3,811

  

  Business Response

  Date: 03/19/2025

  **. Worth BBB Complaint # ******** Response 3.19.25
  CCS Account # ******                 Lamarick *******
  Complete Credit Solutions, **** (CCS) purchased a file of charged off consumer debt originated by ******************** on November 29, 2021. Included in this purchase was the outstanding and delinquent debts owed by Lamarick *******.
  Our records indicate this account originated on November *******, through an agreement between ******************* and Lamarick *******. The original account number is *********. The last payment in the amount of $119.97 was received on March *******. Due to nonpayment the account was charged off on August 3, 2021, and the amount charged off was $3,811.05.
  CCS has received multiple EOSCAR **** originated by Lamarick *******. As required by the **** a complete investigation was completed and all sensitive and account information provided through the **** was verified (attachment A and B). The **** responses were submitted to EOSCAR within the allocated time limit. The **** code was also updated to XC.
  To date, CCS has had no direct communication with Lamarick ******* by telephone or mail.  In an attempt to resolve this matter with Lamarick *******, I ask that he contact me directly at ************ to discuss this account in detail. Hopefully, a mutual agreement can be reached that will be beneficial for both parties. Provided an agreement can be reached, *** will report the debt as Paid in Full to all three CBRs.   
  If you require any additional information, please contact *** ******* at ************ X 101.    

• Initial Complaint

  Date:02/21/2025

  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.

  Im liable for this debt with purchasing power i do not have a contract with complete credit solutions, they did not provide the original contract as requested

  

  Business Response

  Date: 02/21/2025

  BBB Complaint # ******** Response 2.21.25
  Complete Credit Solutions, **** (CCS) purchased a file of charged off consumer debt originated by **************** on December 18, 2020. Included in this purchase was the outstanding and delinquent debt owed by ****** ********.
  Our records indicate this account originated on August 01, 2017, through an arrangement between **************** and ****** ******** employer at that time. The original **************** account number is *********. Through this agreement ****** ******** financed 2 loans. (attachment A and B).  The last payment date was June 25, 2018, and the last payment amount was $66.18. Due to nonpayment **************** charged off the account on February 27, 2019, and the amount charged off was $806.87.
  To date, CCS has had no direct communication with ****** ******** by telephone, mail or email.  In an effort to show cooperation with your office and attempt to resolve this matter with ****** ********, CCS would like to establish a mutual agreement that will be beneficial for both parties Provided an agreement can be reached,CCS will reduce the current amount owed 50% and report the debt as Paid in Full to all three CBRs (attachment b). This is a limited time offer with an expiration date and CCS is not obligated to extend this offer past the expiration date.
  If you require any additional information, please contact *** ******* at ******************.    

• Initial Complaint

  Date:02/05/2025

  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.

  I am not liable for this debt and I do not have a contract with COM CRED SOL plus they did not provide me with the original application like I asked.Account No: ****** Amount Disputed: $457

  

  Business Response

  Date: 02/07/2025

  BBB Complaint # ******** Response 02.07.25
  Previous complaints: 10/15/24 and 12/16/2024
  This is the third complaint answered by Luquonda ******, the first one was originally filed with your office in October 2024 and another in December 2024(see attachment A). The complaints were closed by your office due to Luquonda Waters failure to respond to our responses.
  As previously answered,Complete Credit Solutions, **** (CCS) purchased the file of charge off debt originated by **************** on June ******* including this purchase, the outstanding and delinquent debt owed by Luquonda ****** (Attachment B).
  Our records indicate that this account originated on June *******, though an agreement between **************** and Luquonda Waters with the original account number *********. The original balance for the contract in question was $1,585.16 with a last payment of $121.94 on October *******. Since Luquonda Waters did not continue making payments, **************** charged off the account on July 29, 2019.
  CCS has received multiple EOSCAR ACDV originated by Luquonda Waters through ************ Experian, and Equifax. As required by the **** a complete investigation was conducted, and information has been verified. A response was submitted to ****** within the time allotted by the CRAs
  Through E-Oscar ACDV Luquonda Waters attached a **** Complaint with a letter from *** logo indicating that the account would be closed because it was a fraudulent account. This letter was fraudulently created because *** did not issue it. (Attachment C).
  In October 2024, Complete Credit Solutions attempted to contact Luquonda ****** to discuss her complaint,but her response was that she charged for phone calls and CCS was unable to speak with her to properly work on the account and be able to complete or assist her with her claims.
  As today, CCS has had no direct communication by telephone or email. I also want to advise your office this matter between Complete Credit Solutions, *** and Luquonda Waters has been elevated to our legal department due to fraudulent and illegal actions committed by Luquonda ****** when filing complaints with your office, the **** and the CRAs.
   If you require any additional information, please contact *** ******* at ******************.    

• Initial Complaint

  Date:01/16/2025

  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.

  I am not liable for this debt and I do not have a contract with COMPLETE CREDIT SOLUTI plus they did not provide me with the original application like I asked.Account No: ***** Amount Disputed: $1255

  

  Business Response

  Date: 01/28/2025

  BBB Complaint # ******** Response 1.28.25
  Complete Credit Solutions, **** responded to this same complaint on December 21, 2024. This is a duplicate complaint.
  
  BBB Complaint # ******** Response 12.21.24
  Complete Credit Solutions, **** (CCS) purchased a file of charged off consumer debt originated by ***************************/************ on March 30, 2021. Included in this purchase was the outstanding and delinquent debt owed by ***************.
  Our records indicate this account originated on October 5, 2017, through a lease purchase arrangement between ************ and Makeilah France. The original *********** account number is *******. The amount financed by Makeilah France was $1,932.24 (Attachment A). The last payment in the amount of $173.90 was received on August 16, 2018. Due to nonpayment the account was charged off by *********** on July 31, 2018, and the charged off amount was $1,705.20.
  In May 2023 Makeilah France entered into a repayment agreement with one of our outsource collection agency.From May 17 through July 4, 2023, Makeilah France made five (5) payments to ************************* (MRC) totaling $450. No additional payments were received by *** and the account was recalled.
  To date, CCS has had no direct communication with Makeilah France by telephone, or email.  CCS has received multiple EOSCAR ACDV originated by *************** through ***********, Experian, and Equifax. As required by the **** a complete investigation was conducted, and information has been verified. A response was submitted to EOSCAR within the time allotted by the CRAs.  CCS has also mailed Makeilah France a letter on December 18, 2024, to the address the letter received on that same day. 
  I hope this response satisfied Makeilah France request for validation of the outstanding and delinquent debt.  In an effort to show cooperation with your office and attempt to resolve this matter with Makeilah France, we would like to establish a mutual agreement that will be beneficial for both parties.Provided an agreement can be reached, *** will report the debt as Paid in Full to all three CBRs.  
  If you require any additional information, please contact *** ******* at ******************.

• Initial Complaint

  Date:01/15/2025

  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.

  I am not liable for this debt with ***************** I do not have a contract with Complete credit solutions, They did not provide me with the original contract I requested.

  

  Business Response

  Date: 01/28/2025

  BBB Complaint # ******** Response 1.28.25
  Complete Credit Solutions, **** (CCS) purchased a file of charged off consumer debt originated by **************** on September *******. Included in this purchase was the outstanding and delinquent debt owed by ****** *********.
  Our records indicate this account originated on December 6, 2018, through an arrangement between **************** and ****** ********* employer at that time. The original **************** account number is *********. Through this agreement ****** ********* financed 3 loans (attachment A, B, C).  The last payment date was June 28, 2019, and the last payment amount was $204.00. Due to nonpayment **************** charged off the account on March 25, 2020, and the amount charged off was $3,331.44.
  On March 8, 2023, CCS received an inbound call from ******* *********. During the conversation he confirmed the outstanding was valid but was unable to pay at that time.
  To date, CCS has had no additional communication with ****** ********* by telephone, mail or email.  In an effort to show cooperation with your office and attempt to resolve this matter with ****** *********, CCS would like to establish a mutual agreement that will be beneficial for both parties Provided an agreement can be reached, CCS will reduce the current amount owed 50% and report the debt as Paid in Full to all three CBRs (attachment D). This is a limited time offer with an expiration date and CCS is not obligated to extend this offer past the expiration date.
  If you require any additional information, please contact *** ******* at ******************.    

• Initial Complaint

  Date:01/15/2025

  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.

  I am not accountable for the debt alleged by COMPLETE CREDIT SOLU. There is no contract between me and COMPLETE CREDIT SOLU, and they have not provided the original agreement as requested.

  

  Business Response

  Date: 01/28/2025

  BBB Complaint # ******** Response 1.28.25
  Complete Credit Solutions, **** (CCS) purchased a file of charged off consumer debt originated by ******* Furniture- ******/*********** on July 13, 2021. Included in this purchase was the outstanding and delinquent debt owed by ****** *********.
  Our records indicate this account originated on February 18, 2020, through a lease purchase arrangement between ************ and ****** *********. The original ************ account number is *******. The amount financed by ****** ********* was $8,909.04 (attachment A). The last payment date is September 23, 2020, and the last payment amount was $401.83. Due to nonpayment the account was charged off by *********** on December *******, and the amount charged off was $7,799.61.
  CCS has received and processed multiple E-Oscar ACDV originated by ****** ********* through Experian, Equifax and TransUnion. As required by E-Oscar and the Credit ****************** each dispute has been investigated and responded was summited within the allotted timeframe.
  To date, CCS has had no direct communication with ****** ********* by telephone, mail or email.  In an effort to show cooperation with your office and attempt to resolve this matter with ****** *********, CCS would like to establish a mutual agreement that will be beneficial for both parties. Provided an agreement can be reached,*** will reduce the current amount owed 50% and report the debt as Paid in Full to all three CBRs (attachment B). This is a limited time offer with an expiration date and CCS is not obligated to extend this offer past the expiration date.
  If you require any additional information, please contact *** ******* at ******************.    
  

• Initial Complaint

  Date:01/13/2025

  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.

  I'm not liable for this debt with ***************** I do not have a contract with Complete Credit Solutions Inc, they did not provide me with the original contract as I requested.

  

  Business Response

  Date: 01/14/2025

  BBB Complaint # ******** Response 1.14.25
  Complete Credit Solutions, **** (CCS) purchased a file of charged off consumer debt originated by **************** on December 19, 2022. Included in this purchase was the outstanding and delinquent debt owed by ***** *****.
  Our records indicate this account originated on December 18, 2018, through an arrangement between **************** and ***** ***** employer at that time. The original **************** account number is *********. Through this agreement ***** ***** financed 1 loan (attachment A).  The last payment date was March 4, 2019, and the last payment amount was $111.54. Due to nonpayment **************** charged off the account on January 28, 2020, and the amount charged off was $2,259.10.
  To date, CCS has had no direct communication with ***** ***** by telephone, mail or email.  In an effort to show cooperation with your office and attempt to resolve this matter with ***** *****, CCS would like to establish a mutual agreement that will be beneficial for both parties Provided an agreement can be reached, CCS will reduce the current amount owed 50% and report the debt as Paid in Full to all three CBRs (attachment C). This is a limited time offer with an expiration date and CCS is not obligated to extend this offer past the expiration date.
  If you require any additional information, please contact *** ******* at ******************.    

  Customer Answer

  Date: 01/14/2025

  Complaint: 22801127
  
  I am rejecting this response because:
  I am not obligated to a debt with this company. I dont have a contract with Complete Credit Services. I demand the debt be removed from my credit report because we dont have a contract or agreement to any debt. 
  Regards,
  
  ***** *****

  

  Business Response

  Date: 01/28/2025

  BBB Complaint # ******** Response 1.28.25
  That is our best and final offer. However, CCS is open to payment arrangement for that same amount. We request that ***** ***** contact our office ************ to discuss payment arrangements.

• Initial Complaint

  Date:01/08/2025

  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.

  I am not liable for this debt with ***************** I do not have a contract with Complete Credit Solution, they did not provide me with the original contract as requested.

  

  Business Response

  Date: 01/14/2025

  BBB Complaint # ******** Response 1.14.25
  Complete Credit Solutions, **** (CCS) purchased a file of charged off consumer debt originated by **************** on January 3, 2024. Included in this purchase was the outstanding and delinquent debt owed by ****** ******.
  Our records indicate this account originated on April 21, 2023, through an arrangement between **************** and ****** ****** employer at that time. The original **************** account number is *********. Through this agreement ****** ****** financed 2 loans (attachment A & B).  The last payment date was April 23, 2023, and the last payment amount was $.80.40. Due to nonpayment **************** charged off the account on December 19, 2023, and the amount charged off was $2,267.52.
  To date, CCS has had no direct communication with ****** ****** by telephone, mail or email.  In an effort to show cooperation with your office and attempt to resolve this matter with ****** ******, CCS would like to establish a mutual agreement that will be beneficial for both parties Provided an agreement can be reached, CCS will reduce the current amount owed 50% and report the debt as Paid in Full to all three CBRs (attachment C). This is a limited time offer with an expiration date and CCS is not obligated to extend this offer past the expiration date.
  If you require any additional information, please contact *** ******* at ******************.    

• Initial Complaint

  Date:01/06/2025

  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.

  I am not liable for this debt with DIAMONDS AND GOLD *****, I do not have a contract with COMPLETE CREDIT SOLUTIONS, they did not provide me with the original contract as i requested.==============================================Account Number: *********Opened Date: 7/13/2021 Balance: $1,098.00

  

  Business Response

  Date: 01/14/2025

  BBB Complaint # ******** Response 1.14.25
  Complete Credit Solutions, **** (CCS) purchased a file of charged off consumer debt originated by Diamand and Gold/************ on July 13, 2021. Included in this purchase was the outstanding and delinquent debt owed by **** ******.
  Our records indicate this account originated on July 24, 2020, through a lease purchase arrangement between ************ and **** ******. The original *********** account number is *******. The amount financed by **** ****** was $1,363.48 (attachment A). The last payment date is November 18, 2020, and the last payment amount was $138.35. Due to nonpayment the account was charged off by *********** on February 28, 2021, and the amount charged off was $1,098.47.
  To date, CCS has had no direct communication with **** ****** by telephone, mail or email.  In an effort to show cooperation with your office and attempt to resolve this matter with **** ******, CCS would like to establish a mutual agreement that will be beneficial for both parties. Provided an agreement can be reached, *** will reduce the current amount owed 50% and report the debt as Paid in Full to all three CBRs (attachment B). This is a limited time offer with an expiration date and CCS is not obligated to extend this offer past the expiration date.
  If you require any additional information, please contact *** ******* at ******************.    

• Initial Complaint

  Date:01/03/2025

  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 not liable for this debt with COMPLETE CREDIT SOLUTION. I do not have a contract with COMPLETE CREDIT SOLUTION. They did not provide me with the original contract as I requested.

  

  Business Response

  Date: 01/13/2025

  BBB Complaint # ******** Response 1.14.25
  Complete Credit Solutions, **** (CCS) purchased a file of charged off consumer debt originated by **************** on July 15, 2022. Included in this purchase was the outstanding and delinquent debt owed by ******* ******.
  Our records indicate this account originated on October 17, 2018, through an arrangement between **************** and ******* ****** employer at that time. The original **************** account number is *********. Through this agreement ******* ****** financed 1 loan (attachment A).  The last payment date was August 16, 2019, and the last payment amount was $.29. Due to nonpayment **************** charged off the account on March 25, 2020, and the amount charged off was $246.35.
  To date, CCS has had no direct communication with ******* ****** by telephone, mail or email.  CCS has received an EOSCAR ACDV originated by ******* ****** on January 9, 2025 through *********** required by the **** a complete investigation was conducted, and information has been verified. A response was submitted to ****** within the time allotted by the ****.
  In an effort to show cooperation with your office and attempt to resolve this matter with ******* ******, *** would like to establish a mutual agreement that will be beneficial for both parties Provided an agreement can be reached,*** will reduce the current amount owed 50% and report the debt as Paid in Full to all three CBRs (attachment b). This is a limited time offer with an expiration date and CCS is not obligated to extend this offer past the expiration date.
  If you require any additional information, please contact *** ******* at ******************.