Need to file a complaint?
BBB is here to help. We'll guide you through the process.
Complaint Details
Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.
Initial Complaint
09/18/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
I am not liable for this debt with GOLD VALLEY, I do not have a contract with COMPLETE CREDIT SOLUTION, they did not provide me with the original contract as i requested
Business response
09/19/2024
Ft.Worth BBB Complaint ******** Response 9/19/2024
Complete Credit Solutions, **** (CCS) purchased a file of charged off consumer debt originated by *********** on June 19, 2020. Included in this purchase was the outstanding and delinquent debt owed by ***** *****.
Our records indicate this lease account originated on April 7, 2019, through *********** and ***** ***** (attachment A). The original *********** account number is *********** records indicate the account became delinquent on December 9, 2018, and was charged off by *********** on July 31, 2019. ***** ***** didnt complete the terms of the agreement with Okinus, leaving a remaining balance of $4,483.39. Our records also indicate the last payment towards this account was on April 19, 2019 in the amount of $206.63, This payment was dishonored by her bank on April 23, 2019 due to non-sufficient funds.
***** ***** has filed multiple disputes, the latest filed a dispute with ******** received on August 29, 2024. We responded to a consumer dispute through a third-party service, *****, (****). We conducted a comprehensive investigation into the matter raised in the dispute.
Our investigation included a detailed review of all relevant information and documentation associated with the account. The **** was returned on August *******, see (Attachment B). Based on our findings, we have determined that no fraudulent activity has occurred. Additionally,Complete Credit Solutions, **** (CCS) also provided validation of the account during the last BBB complaint filed on July 15, 2024. See (Attachment C)
To also address a serious issue regarding documentation submitted by ***** ***** in his ACVD,which was received on August 29, 2024, along with a **** complaint filed to Experian.
***** ***** provided documentation claiming to be from Complete Credit Solutions; however, this document is fraudulent. See (Attachment D, E) Complete Credit Solutions has confirmed that they have never issued a letter of resolution concerning the credit reporting discrepancy in question. The document in question appears to have been falsified by ***** *****. Forgery is considered a crime under Texas law, and this matter should be addressed immediately to prevent further fraudulent actions or misinformation in this case, were moving forward to address the fraud received from ***** *****.
As of this date, CCS has had no communication with Complete Credits Solutions, **** (CCS) ***** ***** by telephone, email, or mail. In an effort to show cooperation with your office and attempt to resolve this matter with ***** *****, we request that ***** ***** contact our office to establish a mutual agreement that will be beneficial to both parties.Provided an agreement can be reached, *** will report the debt as paid in full to all the credit reporting bureaus.
I trust that this response will satisfy ***** ***** complaint with your office if you require any additional information, please contact **** *** at ******************.Initial Complaint
09/11/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
I am not liable for this debt with GOLD ***LEYGOLD ***LEYGOLD *** I do not have a contract with COMPLETE CREDIT SOLU , they did not provide me with the original contract as i requested.Business response
09/12/2024
Ft.Worth BBB Complaint ******** Response 9.12.24
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 **** Latrell *******.
Our records indicate this lease account originated on June 29, 2019, through 5th Gold Valley and **** Latrell ******* (attachment A, B and C) This includes contract copy with copy of the *** as well as copy picture of the purchase made that day. The original *********** account number *********. Our records indicate the account became delinquent on December 15, 2019, and was charged off by *********** on February 29, 2020. **** ******* Coleman didnt complete the terms of the agreement with Okinus, leaving a remaining balance of $3,242.11. Our records also indicate the last payment towards this account was on January 28, 2022, in the amount of $90.00, as a repayment plan set up with one of our agencies on a settlement agreement. This re-payment settlement was dishonored due to non-sufficient funds.
Our records indicate that we sent a validation letter and media on May 16, 2023,based on a letter dispute received on May 14, 2023 Our investigation included a detailed review of all relevant information and documentation associated with the account. Based on our findings, we have determined that no fraudulent activity has occurred. I trust the information provided will satisfy **** ******* request for account documentation and validation. CCS will also update our trade-line to reflect the account in question is under dispute based on her complaint.
In an effort to show cooperation with your office and attempt to resolve this matter with **** *******, 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
08/08/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I reviewed my Consumer Reports and noticed that there was an inaccurate account(s) on my ********************** report.Acct: ********************** *************************** have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I contacted National Credit Adjusters, LLC and ***************************** and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.Business response
08/13/2024
Ft.Worth BBB Complaint ******** Response 8/13/2024
Complete credits solutions, **** (CCS) purchased the file of charged off, consumer debt originated by purchasing power on July 15, 2022, including in this purchase,the outstanding and delinquent debt owed by ***** De La ****.
Our records, indicate this account originated on July 19, 2018, through an agreement between purchasing power and ***** De La **** employer at the time the original purchasing power account number is ********* through this agreement, originated one loan (attachment A).
***** De La **** didnt complete the terms of the agreement with purchasing power,leaving a remaining balance of $82.03.
As of this date, CCS has had no communication with Complete Credits Solutions,**** (CCS) ***** De La **** by telephone, email, or mail. In an effort to show cooperation with your office and attempt to resolve this matter with ***** De La ****, we request that ***** De La **** contact our office to establish a mutual agreement that will be beneficial to both parties. Provided an agreement can be reached, CCS will report the debt as paid in full to all the credit reporting bureaus.
I trust that this response will satisfy **************** **** complaint with your office if you require any additional information, please contact *************** at ******************.Initial Complaint
07/16/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am not liable for this debt with credit ninja. I do not have a contract with complete credit solutions. They did not provide me with the original contract as requested.Business response
07/23/2024
Ft. Worth BBB Complaint ******** Response 7/23/24
Complete Credit Solutions, **** (CCS) purchased a file of charged off consumer debt originated by KDM Partners, LLC (CreditNinja) on April 21, 2022. Included in this purchase was the outstanding and delinquent debt owed by ***************************.
Our records indicate this loan originated on May 11, 2020,through an arrangement between CreditNinja and *************************** (see attachment A, B, C). The original CreditNinja account number is ******. Our records also indicate the last payment in the amount of $51.16 was made on May 22, 2020. Due to non-payment, the loan was charged off on July 28, 2020.
Additionally, our records indicate that the email ******************** is associated with the information you provided to us, along with payments made from a ***** Fargo account were funds were distributed to and IP Address all registered to ***************************. To verify this, I have attached the relevant proof in the following attachments (Attachment A, B, C ) for your review, which all information can be found on the contract agreements provided, as well as information regarding CreditNinja contacts and the sale of your debt can be located in the following attachments with your account details. Please review the attachments, and if you have any further questions or require assistance, feel free to reach out to me directly at *****************.
As of this date, CCS has had no communication with Complete Credits Solutions, **** (CCS) *************************** by telephone, email, or mail. In an effort to show cooperation with your office and attempt to resolve this matter with ***************************, we request that *************************** contact our office to establish a mutual agreement that will be beneficial to both parties. Provided an agreement can be reached, CCS will report the debt as paid in full to all the credit reporting bureaus.
I trust that this response will satisfy *************************** complaint with your office if you require any additional information, please contact *************** at ******************.Customer response
07/23/2024
Complaint: 21993095
I am rejecting this response because I have yet to receive an original contract with my signature that I have been requesting. If lender can provide the contract with my signature so I can confirm this was done fraudulently. If the lender is not able to provide the information that I am requesting, I demand for this to be taken off my credit report.
Regards,
***************************Business response
07/29/2024
Ft. Worth BBB Complaint ******** Response 7/29/24
I understand your concern about not having knowledge of the account in question, however we have provided validation for this account. In response to the previous complaint dated July 23, 2024, we have provided Attachments A through C for your review. The documentation includes:
- Agreement dated May 9, 2020, showing the registration of IP address 174.240.8.78 to ***************************.
- Payment records for the account, with the last payment being $51.16 on May 22, 2020.
We are more than happy to settle this Credit Ninja account with you. However, we believe we have provided all the necessary documentation as requested. This documentation has also been sent to the email you provided as of July 29, 2024. As of this date, Complete Credits Solutions,Inc. (CCS) has had no communication with *************************** by telephone, email, or mail. In an effort to show cooperation with your office and attempt to resolve this matter with ***************************, we request that *************************** contact our office to establish a mutual agreement that will be beneficial to both parties.Provided an agreement can be reached, CCS will report the debt as paid in full to all the credit reporting bureaus.
I trust that this response will satisfy *************************** complaint with your office if you require any additional information, please contact *************** at ******************.Initial Complaint
07/11/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am writing to file a complaint regarding an unauthorized account opened in my name with Complete Credit Solution. The details of the fraudulent account are as follows:Account Number: ********* Opened Date: 6/19/20 I did not authorize the opening of this account and have never conducted any transactions with Complete Credit Solution. Despite reporting this issue to Complete Credit Solution, the account remains on my ********************** report, negatively affecting my financial standing.Business response
07/15/2024
Ft.Worth BBB Complaint ******** Response 7/15/24
Complete Credit Solutions, **** (CCS) purchased a file of charged off consumer debt originated by Okinus **** with Gold Valley on June 19, 2020. Included in this purchase was the outstanding and delinquent debt owed by *********************.
Our records indicate this lease account originated on April 07,2019, through 5th Gold Valley and ********************* (attachment A). The original Okinus **** account number is *******. Our records indicate the account became delinquent on May 23, 2019, and was charged off by Okinus **** on July 31, 2019. ********************* didnt complete the terms of the agreement with ******, leaving a remaining balance of $4,483.39.
As of this date, CCS has had no communication with Complete Credits Solutions,**** (CCS) ********************* by telephone, email, or mail. In an effort to show cooperation with your office and attempt to resolve this matter with *********************, we request that ********************* contact our office to establish a mutual agreement that will be beneficial to both parties. Provided an agreement can be reached, CCS will report the debt as paid in full to all the credit reporting bureaus.
I trust that this response will satisfy ********************* complaint with your office if you require any additional information, please contact *************** at ******************.Initial Complaint
07/08/2024
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
I am not liable for this debtvwith PURCHASING POWER, I do not have a contract with COMPLETE CREDIT SOLUTI, they did not provide me with the original contract as I requestedBusiness response
07/11/2024
Ft.Worth BBB Complaint ******** Response 7.11.24
Complete credits solutions, **** (CCS) purchased the file of charged off, consumer debt originated by purchasing power on July 15, 2022, including in this purchase,the outstanding and delinquent debt owed by ***************************.
Our records, indicate this account originated on December 07, 2023, through an agreement between purchasing power and *************************** employer at the time the original purchasing power account number is ********* through this agreement, originated one loan (attachment A).
*************************** didnt complete the terms of the agreement with purchasing power, leaving a remaining balance of $1,201.30. Last payment made on the account of $84.09 on May 07,2019.
As of this date, CCS has had no communication with Complete Credits Solutions,**** (CCS) *************************** by telephone, email, or mail. In an effort to show cooperation with your office and attempt to resolve this matter with ***************************,we request that *************************** contact our office to establish a mutual agreement that will be beneficial to both parties. Provided an agreement can be reached, CCS will report the debt as paid in full to all the credit reporting bureaus.
I trust that this response will satisfy *************************** complaint with your office if you require any additional information, please contact *************** at ******************.Initial Complaint
06/28/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am not liable for this debt with Protect ************ I do not have a contract with Complete Solution Credit and they did not provide me with the original contract as I requested.Business response
07/09/2024
Ft.Worth BBB Complaint ******** Response 7/05/24
Complete Credit ********* **** (CCS) on November 5, 2019. The original creditor is Protect America, and the original account number is ******. Our records indicate the monitoring agreement between Protect America and *********************** was executed on February 26, 2014. Detailed information regarding this agreement references a monthly monitoring fee of $49.99 for a 36-month period (attachment A). Our records also indicate *********************** made the $49.99 monthly payments through June 09,2018. No additional payments were made after that date. Due to nonpayment and defaulting on the agreement,Protect America charged off the account on November 30, 2018. A copy of the required alarm registration was also by *********************** (attachment B).
CCS has received multiple EOSCAR disputes from EOSCAR originated by ***********************. As required each dispute was investigated and responded to by the required response date.
I trust this response satisfies *********************** complaint filed with your office. In an effort to show cooperation with your office and attempt to resolve this matter with ***********************, we would like to establish a mutual agreement that will be beneficial for both parties. Provided an agreement can be reached, CCS will report the debt as Paid in Full to all three CBRs.
If you require any additional information,please contact *************** at ******************.Initial Complaint
06/28/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
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 as requested.Business response
07/05/2024
Ft.Worth BBB Complaint ******** Response 7/05/24
Complete credits solutions, **** (CCS) purchased the file of charged off, consumer debt originated by purchasing power on June 16, 2022, including in this purchase,the outstanding and delinquent debt owed by *********************.
Our records, indicate this account originated on September 06, 2017, through an agreement between purchasing power and ********************* employer at the time the original purchasing power account number is ********* through this agreement, originated one loan (attachment A).
********************* didnt complete the terms of the agreement with purchasing power, leaving a remaining balance of $898.17. Last payment made on this account was $30.00 on July 30,2018.
As of this date, CCS has had no communication with Complete Credits Solutions,**** (CCS) ********************* by telephone, email,or mail. In an effort to show cooperation with your office and attempt to resolve this matter with *********************, we request that ********************* contact our office to establish a mutual agreement that will be beneficial to both parties.Provided an agreement can be reached, CCS will report the debt as paid in fullto all the credit reporting bureaus.
I trust that this response will satisfy ********************* complaint with your office if you require any additional information, please contact *************** at ******************.Initial Complaint
06/27/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
I am not liable for this debt with GOLD VALLEY. I do not have a contract with COMPLETE CREDIT SOLUTI, and they have not provided me with the original contract as I requested.Account Name: ********************************************* SOLUTI (Original Creditor: ***********)Account #: ********* Date Opened: 6/19/2020Business response
07/05/2024
Ft.Worth BBB Complaint ******** Response 6/28/24
Complete Credit Solutions, **** (CCS) purchased a file of charged off consumer debt originated by Okinus **** on June 19, 2020. Included in this purchase was the outstanding and delinquent debt owed by *******************************.
Our records indicate this lease account originated on December 22, 2018, through Gold Valley and *******************************, this includes the pictured item as well (attachment A &B ). The original Okinus ****account number is *********** records indicate the account became delinquent on June 20, 2019, and was charged off by Okinus **** on August 31, 2019, with a remaining balance of $1,680.00.
As of this date, CCS has had no communication with Complete Credits Solutions,**** (CCS) ******************************* by telephone, email, or mail. In an effort to show cooperation with your office and attempt to resolve this matter with *******************************,we request that ******************************* contact our office to establish a mutual agreement that will be beneficial to both parties. Provided an agreement can be reached, CCS will report the debt as paid in full to all the credit reporting bureaus.
I trust that this response will satisfy ******************************* complaint with your office if you require any additional information, please contact *************** at ******************.Initial Complaint
06/03/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I was working for a company that utilized **************** and ended up resigning in 2018. I was told that the amount owed to **************** would be taken out of my last check and it was. Over the past few months, I have been getting calls from Complete Credit Solutions and it is now showing a hit on my credit score. I asked for information on my "debt" to be mailed to me and it never was. I never signed a contract with this company and would like for this account to be resolved and closed.Business response
06/07/2024
Ft.Worth BBB Complaint ******** Response 6/7/24
Complete credits solutions, **** (CCS) purchased the file of charged off, consumer debt originated by purchasing power on December 18, 2020, including in this purchase, the outstanding and delinquent debt owed by *****************.
Our records, indicate this account originated on April 26, 2023, through an agreement between purchasing power and ***************** employer at the time the original purchasing power account number is ********* through this agreement, originated one loan (attachment A).
***************** didnt complete the terms of the agreement with purchasing power, leaving a remaining balance of $61.69.
As of this date, CCS has had no communication with Complete Credits Solutions,**** (CCS) ***************** by telephone, email, or mail. In an effort to show cooperation with your office and attempt to resolve this matter with *****************,we request that ***************** contact our office to establish a mutual agreement that will be beneficial to both parties. Provided an agreement can be reached,CCS will report the debt as paid in full to all the credit reporting bureaus.
I trust that this response will satisfy ****** Love complaint with your office if you require any additional information, please contact *************** at ******************.
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. ↩
BBB Business Profiles may not be reproduced for sales or promotional purposes.
BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.
When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.
BBB Business Profiles generally cover a three-year reporting period. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.
As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.
Customer Reviews are not used in the calculation of BBB Rating
Contact Information
Want a quote from this business?
Get a QuoteCustomer Complaints Summary
79 total complaints in the last 3 years.
37 complaints closed in the last 12 months.