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Business Profile

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Cornerstone Credit Services, LLC
BBB accredited business seal
BBB Accredited BusinessA+Rated by BBB

Complaints

This profile includes complaints for Cornerstone Credit Services, LLC's headquarters and its corporate-owned locations. To view all corporate locations, see

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    Customer Complaints Summary

    • 24 total complaints in the last 3 years.
    • 16 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:05/15/2025

      Type:Billing Issues
      Status:
      Answered
      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 CORNERSTONE CREDIT SER 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: $461

      Business Response

      Date: 05/19/2025

      SEE ATTACHED

    • Initial Complaint

      Date:05/03/2025

      Type:Order Issues
      Status:
      Answered
      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 Cornerstone Credit Service, they did not provide me with the original contract as requested.

      Business Response

      Date: 05/08/2025

      See response attached

    • Initial Complaint

      Date:04/10/2025

      Type:Billing Issues
      Status:
      Answered
      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.
      To Whom it may concern,I am writing to express my deep concern regarding several unauthorized account with ********************** Account number: ************* Account balance: $990.00, which I have been unable to resolve directly with them. I have discovered that accounts have been opened in my name without my knowledge, consent, or authorization. This fraudulent activity is not only a violation of my privacy, but it has also caused significant distress. I expect immediate action to rectify this issue. I am requesting that the Better Business Bureau assist in removing this account from my ********************** reports.I have attached copies of relevant documents, including my driver's license proof of address, copy of my social security card a cover letter and the my credit report, to support my case.I kindly ask for your assistance in facilitating a resolution to this matter. Please let me know if you require any further details or documentation.Thank you for your attention to this complaint. I look forward to your response and to a prompt resolution.

      Business Response

      Date: 04/15/2025

      see attached

    • Initial Complaint

      Date:04/01/2025

      Type:Billing Issues
      Status:
      Answered
      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 CORNERSTONE CREDIT SERVICES. I DO NOT HAVE AN ACCOUNT WITH **********************. THEY DID NOT PROVIDE ME WITH THE ORIGINAL CONTRACT AS REQUESTED.

      Business Response

      Date: 04/03/2025

      see attached

    • Initial Complaint

      Date:02/27/2025

      Type:Billing Issues
      Status:
      Answered
      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.
      After recently reviewing my credit report from your company, I noticed several inaccuracies that need to be addressed. The accounts in question are listed below:Company Name: ************************* ASSO Account #: ****************Balance: $1,130.00 Under the Fair Credit Reporting Act (15 U.S.C. 1681g), I am formally requesting copies of all documents in your records that were used to verify the accuracy of these accounts. Please provide these documents in your response to this letter.I respectfully ask that you do not reply with a generic statement claiming the accounts have been verified. Instead, I expect to receive the actual records supporting this verification. If no such documentation exists, these disputed accounts should be removed from my credit report immediately, as required under Section 611(a)(5)(A)(i) of the FCRA.Including unverified or inaccurate information on my credit reportand continuing to share it with third partiesunfairly damages both my credit standing and my reputation. I ask that you take this matter seriously and resolve it as soon as possible.

      Business Response

      Date: 03/03/2025

      see attached

    • Initial Complaint

      Date:02/10/2025

      Type:Customer Service Issues
      Status:
      Answered
      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 ********************* and I do not have a contract with CORNERSTONE CREDIT SERV, they did not provide me with the original contract as I've requested.

      Business Response

      Date: 02/14/2025

      See Response Attached

    • Initial Complaint

      Date:01/27/2025

      Type:Customer Service Issues
      Status:
      Answered
      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 Cornerstone Credit Services, LLC, they did not provide me with the original contract as requested.

      Business Response

      Date: 02/03/2025

      This is a communication from a debt collector and any information obtained may be used for that purpose. This message may contain confidential and/or nonpublic personal information and is intended solely for the resolution of a complaint forwarded to Cornerstone Credit Services, LLC (Cornerstone) by the Better Business Bureau (BBB). Dissemination, distribution, copying or disclosure of this information to a third party in any form, including but not limited to publishing consumer information on the internet, is strictly prohibited.


      02/03/2025

      Better Business Bureau Case ID: ********-******, ******

      Thank you for the opportunity to respond to the complaint filed by ****** ******
      (Ms.******).

      Cornerstone Credit Services, LLC (Cornerstone) is a third-party collection agency which reports past due debts assigned to it to the credit bureaus in accordance with FCRA  623. [15 U.S.C. 1681s-2) and the *********************************** Regulation F, part 2 1006.30.

      Cornerstone has investigated the reporting of this account and has determined the reporting is accurate and within the aforementioned regulations.

      Validation of the debt from the original creditor was mailed to Ms. ****** on 01/29/2025,to the address listed within the complaint. 

      If Ms. ****** has any further questions, she is encouraged to contact me at ************.

      Sincerely,

      **** *********
      Collection Division Manager

    • Initial Complaint

      Date:01/06/2025

      Type:Billing Issues
      Status:
      Answered
      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 cornerstone credit service. I do not have a contract with cornerstone credit service and they did not provide me with the original contrast as requested.

      Business Response

      Date: 01/09/2025

      This is a communication from a debt collector and any information obtained may be used for that purpose. This message may contain confidential and/or nonpublic personal information and is intended solely for the resolution of a complaint forwarded to Cornerstone Credit Services, LLC (Cornerstone) by the Better Business Bureau (BBB). Dissemination, distribution, copying or disclosure of this information to a third party in any form, including but not limited to publishing consumer information on the internet, is strictly prohibited.


      01/09/2025

      Better Business Bureau Case ID:                               Welhous, Claury

      Thank you for the opportunity to respond to the complaint filed by Claury Welhous
      (Ms.*******).

      Cornerstone Credit Services, LLC (Cornerstone) is a third-party collection agency which reports past due debts assigned to it to the credit bureaus in accordance with FCRA  623. [15 U.S.C. 1681s-2) and the *********************************** Regulation F, part 2 1006.30.

      Cornerstone has investigated the reporting of this account and has determined the reporting is accurate and within the aforementioned regulations.

      Validation of the debt from the original creditor will be mailed to Ms. ******* on 01/10/2025, to the address listed within the complaint. 

      If Ms. ******* has any further questions, I encourage her to contact me at ************.

      Sincerely,

      **** *********
      Collection Division Manager

    • Initial Complaint

      Date:12/07/2024

      Type:Sales and Advertising Issues
      Status:
      Answered
      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.
      Cornerstone credit services harrassed me, my wife and coworkers in an attempt to steal money from me. They said they were trying to collect a debt that they had no right or justification to do, as there was no debt. They performed fraud on the court by filing a suit against me for this debt that does not exist. Being I was out of the state I ended up with a default judgement. And again this was for a debt that does not exist.

      Business Response

      Date: 12/11/2024

      see attached

    • Initial Complaint

      Date:12/05/2024

      Type:Service or Repair Issues
      Status:
      Resolved
      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.
       
      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,

      **** *****

      Business Response

      Date: 12/11/2024

      see attached

    Cornerstone Credit Services, LLC is BBB Accredited.

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    This business has committed to upholding the BBB Standards for Trust.

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