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:12/23/2024

  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 supposedly repaying Credit Ninja by way of Nelson Cruz and associates. I have paid 700 so far owin another 700. I just have this inkling to the back of my mind and would like to know I am paying a legitimate company and that credit ninja is being compensated.

  Business Response

  Date: 01/02/2025

  Nelson **** & Associates LLC is a collection agency that has been in business for 15 yrs. I have reviewed your account and yes you are paying a legitimate company. And your payments are being reported to the current client and once paid they will make the necessary credit adjustment. This is a question being asked and I don't understand why it is coming from the BBB as a complaint. If you have any additional questions or concerns or require the original account documents please provide your email or contact our office direct at ************ and we will be happy to provide any information needed.  

  Business Response

  Date: 01/03/2025

  Nelson **** & Associates LLC is a collection agency that has been in business for 15 yrs. I have reviewed your account and yes you are paying a legitimate company. And your payments are being reported to the current client and once paid they will make the necessary credit adjustment. This is a question being asked and I don't understand why it is coming from the BBB as a complaint. If you have any additional questions or concerns or require the original account documents please provide your email or contact our office direct at ************ and we will be happy to provide any information needed.  

• Initial Complaint

  Date:11/25/2024

  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.

  Nelson Cruz and associates is attempting to collect a debt from me that does not exist. This debt was taken care of by my two health insurance companies years ago. I have requested the original creditor as well as the so called itemized bill and I have received neither. I spoke to "*****" on the phone and she attempted to threaten and bash me, saying I don't pay my bills and I don't own anything in my name, which is not the case. Very trashy tactic. Very sad they have to be frauds and try to con people out of money.

  Business Response

  Date: 12/02/2024

  Nelson **** & Associates serves as a third party collection agency and we welcome the rights to consumers to express there concerns when it comes the account that we receive for collections in our office. My concern here is that the consumer stated that we did not provide any information but she has sent you the original invoice that was sent to her. On the call that was placed we listen to it and the consumer was advise to contact her insurance company to update the information if this had been pd. ********************* listed the part that was paid and this is the balance owed. We have offered the consumer a settlement to resolve the balance as well. If there is any additional assistance needed she is welecome to conact a member of our management team at ************.

  Business Response

  Date: 12/03/2024

  Nelson **** & Associates serves as a third party collection agency and we welcome the rights to consumers to express there concerns when it comes the account that we receive for collections in our office. My concern here is that the consumer stated that we did not provide any information but she has sent you the original invoice that was sent to her. On the call that was placed we listen to it and the consumer was advise to contact her insurance company to update the information if this had been pd. ********************* listed the part that was paid and this is the balance owed. We have offered the consumer a settlement to resolve the balance as well. If there is any additional assistance needed she is welecome to conact a member of our management team at ************.

• Initial Complaint

  Date:09/11/2024

  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 received a phone call 9/9 regarding a debt I had no knowledge about. They stated it was from a procedure back in 2018 and my insurance did not pay for this. I am aware of said procedure from 3/2018 and explained this was paid by the ***************************** and I should not have a bill. The rep ******* stated I knew what the surgery was, I was ignoring mail as they have tried to contact me about this. I told them to provide me proof of this debt and I am disputing. They said they would send it to me, what they sent is my operation notes, claim info for me and 4 other people so that was a HIPPA violation. ***** said I have until Friday 9/13 to pay or they will file in court and sue me. I explained you cant do that as I am disputing and she said she did not care. I called the ** and come to find out this should have been covered and the claimant company is now out of business due to bankruptcy. This was not paid due to the claimant putting the wrong procedure modifying code in the form in 2018. The ** called them twice and explained this debt is not valid, the company is out of business. The **** the ** spokesperson spoke to said they didnt care, they are not holding the account to check to see if it is valid, the will pursue suing. I have tried to call this business and now they will not answer and I am about to get legal representation. I find it odd they demand money when this is the first I am hearing of this since 2018. I want this resolved and an apology.

  Customer Answer

  Date: 09/12/2024

  Since they called and threatened to sue, I have called them for the past two days and there is no answer. I have also emailed one of their employees who sent me the documents I sent to you, I asked them to please call so I can let them know to cease efforts and I am disputing and she will not respond either. It is a shame to be accused of not responding to letters and calls when I have not received anything from them before this.

  Business Response

  Date: 09/12/2024

  We are currently review this complaint with our client and will get back to you when we have more information regarding this complaint. We are acting as a third party collection agency and will circle back once we have  more information.

  Business Response

  Date: 09/18/2024

  We are currently review this complaint with our client and will get back to you when we have more information regarding this complaint. We are acting as a third party collection agency and will circle back once we have  more information.

  Customer Answer

  Date: 09/18/2024

  I am rejecting this response because:   Since they called and threatened to sue, I have called them for the past two days and there is no answer. I have also emailed one of their employees who sent me the documents I sent to you, I asked them to please call so I can let them know to cease efforts and I am disputing and she will not respond either. It is a shame to be accused of not responding to letters and calls when I have not received anything from them before this.

  Customer Answer

  Date: 09/18/2024

  I am rejecting their response. They called me yesterday and even though the ** has called them twice and told them the business has filed for bankruptcy they are still pursuing.  They said they are putting it on my credit report. This is very unprofessional.

  I have also filed a complaint with the ********** of my state.

  Customer Answer

  Date: 09/18/2024

  Let me also put on the complaint it is also unprofessional to say you are a different person. VA *** told me to send an email to a specific email address and have it say you have my permission to discuss my account with anyone from the VA and it was going to someone named ******. The *** I spoke to yesterday said that email address goes to someone named *****. The same person that was rude and aggressive to myself and the second VA ***resentative.

  Business Response

  Date: 10/21/2024

  We are looking forward to responding to this complaint in a more professional manner once we received all the necessary documents from client. We will follow up to make sure that this has been handled in a proper manner. 

  Customer Answer

  Date: 10/30/2024

  I am rejecting this response because:   I also had to contact my ************************* to file a complaint.  From the message I received from ATG you told them this amount of money you were trying to collect; you recalled from your office and has considered it closed as a fraud account.  The account is no longer in your office, and you have closed this collection file and your business has closed this account on your end.

  Seeing this saying you are waiting for more information from this "client" begs to differ.  I am pretty sure if I called your customer service right now and asked about my account you would sure try to get those funds again from a place that is out of business due to bankruptcy. 

  So, what one is correct?! What my ********** if telling me, or this.

  Customer Answer

  Date: 12/07/2024

  After I went to the state atty generals office regarding this, the business said to my AGO that they are considering this issue as fraud. I have not heard anything since.

  Business Response

  Date: 12/17/2024

  The account has since been closed in our office as disputed. The client requested that we send the account back to their office. As stated, we are a third-party collection agency. As stated, before the account has been closed in our office and we are no longer servicing this account. To assume if she called and we will try and collect it is the consumers on assumption. We have been in business for 14 years this has never been and will never be the way that we do business.  We will not place anymore unnecessary time here. 

• Initial Complaint

  Date:08/28/2024

  Type:Service or Repair 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.

  Hello, I have tried making an attempt to do a settlement with your company with an agreement of a deletion letter. I have spoken with a lady Ms. **** on 08/27/2024 this lady was rude very asked her to speak with her supervisor to see what we could do to work out an agreement being this is abought debt, and you pay for pennies on the dollar. I asked that I could pay $500 to settle and the lady laughed at me and the supervisor said no. I asked her if she could try to further discuss it with him and see if we could work something out, she said she would talk to him I told her I would be able to call her back at 3pm that same day she gave me a number to call ********************. I called at 3 and did not get an answer I continued to call up until 5 pm that day, Then the following morning I attempted to call and kept getting transferred around to different people and hung up on. Then *********************** called me and left a very ***** aggressive voicemail. I missed the call being I was at work and kept trying to call back when I had a moment. I continued to call for the rest of the day and a lady would answer the phone I would tell her who I was and that I was returning a call to speak with ***********************, she told me to hold and transferred me and I got hung up on. I called back a lady answered the phone I told her I was returning a call for ************************* was transferred and put on hold for over 25 minutes, and I have proof because I screen recorded everything. The employees are very unprofessional will be doing a business complaint with BBB being I see that the company is not BBB accredited as well as a Consumer Complaint I have already started the disputes in action with the bureaus and will pursue further action to get this matter resolved. This business should be looked into for their practices and unprofessionalism as well as attempting to collect money from people and not being BBB credited it seems as if they may be scamming people out of their money.

  Business Response

  Date: 09/03/2024

  I have reviewed the calls that where made in to settle this account. As there where several calls made and you where transfer to the team lead and when transferred to upper management the consumer hung up the phone. There where never any one laughing at the consumer but trying to explain to her that do to the balance owed on the account they where not able are authorized by our client to settle a balance of such for $500.00. The account balance of the original loans exceeds over $4000.00. We are more than willing to work with the consumer regarding this account but we are not able to accept this amount that she is demanding to settle at. We have acted in good faith and followed all protocol in regards to the collection account. We encourage the consumer to contact our office direct and we will work with her in order to get this matter resolved. Furthermore, we have not reported anything to this consumers credit report. The owner of the account has done such and has instructed with proper payment and settlement they will update her account status. 

  Customer Answer

  Date: 09/04/2024

  I have reviewed the business response and accept this resolution. 

  Customer Answer

  Date: 09/04/2024

  I accept the BBB business response

  Customer Answer

  Date: 09/04/2024

  Nature of Complaint: Unprofessionalism
  Repair Issues-I do not owe this debt collector or have an open account with them
  Date Problem-08/29/2024
  
  Date(s) Complained: -08/29/2024
  Debt collection accounts cannot state past due or open accounts I have also requested a written purchase agreement for the original contract and debt validation letter to the company giving them 30 days to respond if they cannot provide the documents, they have to remove these items off of my credit report/file Under the Fair Debt collection Practices Act (FDCPA), I have the right to request validation. Made pursuant to 15 USC 1692g Sec. 809 (b) of the ****** I respectfully request that the offices abide by the laws.
  
  
  Purchase Date: -N/A
  
  Salesperson: Mrs. ***** *********************** **************
  
  Product/Service: Nelson **** & Associates ***************************************** **************
  Account #: EXPERIAN ******
  None Provided
  Disputed Amount: $$3730
  

  Customer Answer

  Date: 09/04/2024

  Nature of Complaint: Unprofessionalism
  Repair Issues-I do not owe this debt collector or have an open account with them
  Date Problem-08/29/2024
  
  Date(s) Complained: -08/29/2024
  Debt collection accounts cannot state past due or open accounts I have also requested a written purchase agreement for the original contract and debt validation letter to the company giving them 30 days to respond if they cannot provide the documents, they have to remove these items off of my credit report/file Under the Fair Debt collection Practices Act (FDCPA), I have the right to request validation. Made pursuant to 15 USC 1692g Sec. 809 (b) of the ****** I respectfully request that the offices abide by the laws.
  
  
  Purchase Date: -N/A
  
  Salesperson: Mrs. ***** *********************** **************
  
  Product/Service: Nelson **** & Associates ***************************************** **************
  Account #: EXPERIAN ******
  None Provided
  Disputed Amount: $$3730

  Customer Answer

  Date: 09/04/2024

  Nature of Complaint: Unprofessionalism
  Repair Issues-I do not owe this debt collector or have an open account with them
  Date Problem-08/29/2024
  
  Date(s) Complained: -08/29/2024
  Debt collection accounts cannot state past due or open accounts I have also requested a written purchase agreement for the original contract and debt validation letter to the company giving them 30 days to respond if they cannot provide the documents, they have to remove these items off of my credit report/file Under the Fair Debt collection Practices Act (FDCPA), I have the right to request validation. Made pursuant to 15 USC 1692g Sec. 809 (b) of the ****** I respectfully request that the offices abide by the laws.
  
  
  Purchase Date: -N/A
  
  Salesperson: Mrs. ***** *********************** **************
  
  Product/Service: Nelson **** & Associates ***************************************** **************
  Account #: EXPERIAN ******
  None Provided
  Disputed Amount: $$3730

• Initial Complaint

  Date:08/07/2024

  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 called this collection agency due to a derogatory account on my credit report. I have never received a letter or phone call from this company before. The lady that answered immediately ask for my ssn# I replied to her I didn't feel comfortable giving that info out to a company that quickly and asked if she could pull it up by name. She asked me if my ssn# ended in **** and if my birthrate was **/**/****. None of the info was correct she said give me your ssn# I stated I would not cause I feel any reputable company could pull it up by name. Then I made her aware that I haven't had any loans in 15 years due to incarceration. She call the lender and dispute it then. Nelson cruz and associates is the only company reporting derogatory info and my credit report and there's no lender info just their company. I demand nelson cruz and associates to remove this derogatory account from my credit report. These are very unprofessional people and I feel I will have to seek legal assistance to get this removed.

  Business Response

  Date: 08/22/2024

  We have since check to verify that this account in question is being reported by NCALLC in which our reporting agent states this is indeed not the case. We are currently not reporting any accounts. If the consumer still has questions feel free to contact our office direct at ************. 

  Business Response

  Date: 08/28/2024

  We have since check to verify that this account in question is being reported by NCALLC in which our reporting agent states this is indeed not the case. We are currently not reporting any accounts. If the consumer still has questions feel free to contact our office direct at ************. 

• Initial Complaint

  Date:06/20/2024

  Type:Product 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 began receiving calls from this company stating that they are collecting for a debt that I owe. I sent a debt validation letter on June 7, 2024, requesting them to validate the debt that they are claiming I owe and to only contact me in writing. Fast forward, I began receiving multiple calls back to back every day this week. It is harassment.Today June 20, 2024, I called back in order to verify if the debt validation letter was received and to inquire why I was receiving phone calls. In the correspondence I sent, I requested all communication to be handled in writing until they could provide the information I requested. The lady I spoke with who stated she was the manager, continued to talk over me, was very disrespectful, stated that she wasn't going to listen to me and hung up in my face while I was speaking to her. I have her recorded. She is unprofessional and unable to control her temper and became angry that I called her out for the harassing calls. She said she can call every 7 days but I have proof of how many times since Monday I received a call. She blamed it on the automated system but it is still harassing me while I am working. She stated that I was wrong. I advised her that section ***** under the ****** harassment is defined as " Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number". Being I have received 15 calls in 4 days I feel this is harassment as they call every day 3-4 times back-to-back. I have call log to prove it.At this time, I am requesting Nelson Cruz and Associates to cease all communications with me via telephone and to remove any improperly reported debt from my credit report until they can provide validation that I requested in within 30 days. I have attached a copy of the letter I sent on June 7, 2024. It also stated for them to cease communications via phone and to only contact me in writing.

  Business Response

  Date: 07/05/2024

  We are reviewing this complaint. We take these matters very serious we will respond once we have made a fulll investigation 

• Initial Complaint

  Date:02/13/2024

  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 had a charge on my account from this company that I did not authorize and I know nothing about. I have already filed a report on them with the **** This is theft and it is extremely illegal. I don't know how they got my debit card number, undoubtedly through nefarious means, but they are thieves and scammers.

  Business Response

  Date: 03/08/2024

  We are a collection agency. We take payments through cards daily. If the consumer contact our office we can do research to see possible what account the payment was processed on and was it and account of the consumer. We can be reached directly at ************. 

• Initial Complaint

  Date:01/05/2024

  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 any debt with Nelson Cruz and Associates. I do not have a contract with them, they did not provide me with any information that supports the reason why they are reporting on my credit report. They did not provide me with any information supporting an original contract as requested.

  Business Response

  Date: 01/30/2024

  I have been unable to locate this consumer in NCALLC system at this time. Please have consumer to provide additional information so that we may be able to assist with this claim further

  Business Response

  Date: 01/31/2024

  This account is showing closed in our office and also has been requested to be removed from the consumer credit report. There is no further action needed to be taken by NCALLC at this time,

• Initial Complaint

  Date:01/04/2024

  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'm not liable for this debt with 15 VIP Loan Shop, I do not have a contract with the collection agency,that's trying to collect and reporting it to my credit report. They did not provide me with the original contract as requested.

  Business Response

  Date: 01/04/2024

  We are a 3rd party collection agency. We do not own the debt we are only collecting on it. We are not required to provide a contract for collections. We would like to work with consumer to resolve this matter. The consumer is welcome to contact our office directly at ************. There are options available to have this resolved and removed. 

  Business Response

  Date: 01/19/2024

  We are a 3rd party collection agency. We do not own the debt we are only collecting on it. We are not required to provide a contract for collections. We would like to work with consumer to resolve this matter. The consumer is welcome to contact our office directly at ************. There are options available to have this resolved and removed. 

• Initial Complaint

  Date:11/28/2023

  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 am not liable for this debt with Nelson ************************** I do not have a contract with Nelson ************************** They did not provide me with the original contract as I requested.

  Customer Answer

  Date: 11/29/2023

  Attached is the dispute letter requesting verification. However, I never received anything from this company.  Therefore, I am demanding that this account be removed from my credit report.

  Business Response

  Date: 11/29/2023

  The letter attached was sent to *********** we are located in ******, ***** we responded to the credit bureau inquiry as required via ******* and verified this account. Again we are more than happy to assist the consumer with direct communication to our office which has not been done. We pride ourselves on making sure these things are handle with the appropriate contact and communication.

  Business Response

  Date: 12/01/2023

  The letter attached was sent to *********** we are located in ******, ***** we responded to the credit bureau inquiry as required via ******* and verified this account. Again we are more than happy to assist the consumer with direct communication to our office which has not been done. We pride ourselves on making sure these things are handle with the appropriate contact and communication.

  Customer Answer

  Date: 12/04/2023

  I am rejecting this response because:   I have not been given proof of this validated account. Please send me the proof that was used to validate this account ( a signed contract) Otherwise, remove this account from my credit report. On September 7, 2023, I sent a dispute (in which I did attach to the original dispute) in which there was no response. So, by law (FCRA) you have 30 days to respond in which I never received anything. Therefore, this grounds for removal. In conclusion, I am not liable for this debt with Nelson ****. I do not have a contract with them and they did not provide me with the original contract that was previously requested. Again, I am requesting that this collection be removed from my credit report. 

  Business Response

  Date: 12/04/2023

  This account was returned to debtor buyer as uncollectable last month from **********. We are no longer working this account and have updated this information with the credit reporting agency.  We have closed this account with our office and the tradeline will be removed.

  Customer Answer

  Date: 12/04/2023

  I have reviewed the business response and accept this resolution.