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Business Profile

Collections Agencies

General Credit Services, Inc.

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Collections Agencies.

Complaints

Customer Complaints Summary

  • 5 total complaints in the last 3 years.
  • 1 complaint 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:09/19/2024

    Type:Service or Repair 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.
    Hands down the most rude employees I have ever spoke to. Every single one. Its like they have meetings to be as rude as possible. They hang up on you. The second you ask a question, they speak over you. They harass you with multiple calls a day. You can block their number, they get a new number to call you off of. They laugh when you mention something. When you ask their name, they give a fake name so then when you call back to speak to that person, they state they have no one there by that name. ****** reviews on this company all show how unprofessional, rude, and the illegal practices they do. Every single review for years is one star reviews. The place needs shut down.

    Business Response

    Date: 09/20/2024

    Good morning

     

    This letter is in response to the complaint filed by Ludlyn Janvier on 9/19/204.

     

    Mr. ******* has two accounts that have been placed with our office for collection. We have tried to reach ********** by mail regarding these accounts but we unable to reach him and have left

    messages for him in regards to these accounts.

     

    I apologize for the phone conversation that Mr.Janview had with one of our account representatives on 9/19/2024 this matter has been addressed with our staff and can assure you it will not happen 

    again.

     

    We strive to treat our customers with dignity and respect and clearly this was not done.

     

    Mr. ******* has requested us not to call him again and we have noted that information on his account and will not call  him again regarding this matter.

     

    If you need anything else please let me know.

     

    General Credit Services

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

    Vice President

     

     

     

  • Initial Complaint

    Date:06/09/2024

    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 disputing the entire purported balance of $6,814.39, including any portion thereof. I am not indebted to General Credit Services, Inc. (Account No. *******, or Auto Sales (Account No. ****** for any amount. The account is entirely fraudulent and a result of identity theft activities.I am writing to assertively address a serious and unacceptable issue regarding a fraudulent account that has appeared on my credit report. The timeline of events is as follows: I first noticed the fraudulent account on or about April 18, 2023, and since then, I have taken steps to rectify this situation. Despite multiple attempts to resolve the matter with both General Credit Services, Inc., and Auto Sales, I have not received any satisfactory response or resolution.I have never applied for credit with either General Credit Services, Inc. or Auto Sales at any time in history. At no point have I completed any credit application with these entities. The subject account is entirely fraudulent and is a direct result of identity theft activities.General Credit Services, Inc. and Auto Sales are engaging in fraudulent practices and are in clear violation of both the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). Furthermore, it appears that General Credit Services, Inc. and Auto Sales are using their corporate enterprise to commit fraud, which is indicative of a pattern of racketeering activity under the Racketeer Influenced and Corrupt Organizations Act ******* ***** under 18 U.S.C. 1961-1968, targets organized crime and fraud conducted through an enterprise. This includes acts of fraud, identity theft, and other illegal activities designed to deceive and harm consumers.

    Business Response

    Date: 06/10/2024

    The account of ********************* was placed for collection with General Credit Services by Auto Sales & Service on April 18, 2023.   They had previously notified him that his vehicle had been repossessed on February 14, 2019 and would be listed for sale.  On July 25, 2019 they notified him the vehicle was sold and the balance due.  After receiving no response they referred his account to the law firm of ***** & Malad, LLP to assist in collecting the balance.   We they had no success the account was then placed with General Credit Services.  At that time collection costs were added to the balance in accordance with the contract signed on September 23, 2016.   We then placed the account on his ********************** bureau file.   He disputed this on multiple dates and we confirmed the accurary of the information.   **************** signed the contract on September 23, 2016 and made payments on the vehicle until December 4, 2018, in excess of 2 years.   **************** called our office and asked if we would settle for an amount less than the full balance on March 5, 2024.   We informed him a payment of $4,500.00 would be accepted, he stated he would just go bankrupt instead of paying that amount.

    I have attached a copy of the documentation he requested on June 4, 2024 and that was mailed to him that day.  Our client also informed us, this was ******************** 2nd vehicle purchase from them and he paid off the previous contract to them.

  • Initial Complaint

    Date:06/07/2024

    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.
    The date on my credit report in incorrect, and the balance is incorrect. They are using misleading and unfair practices in regards to this debt, and also conspire to invade my privacy. Please see my attached communication that I sent today via certified mail

    Business Response

    Date: 06/10/2024

    The account was ***************************** was placed for collection with General Credit Services by Auto Sales & Service on December 5, 2023.   They had previously notified her on September 23, 2021 that her car was repossessed and would be listed for sale.  One November 12, 2021 they notified her the vehicle was sold and the balance due them.   We they received no response the account was placed for collection and collection fees were added in accordance with the contract she signed on July 30, 2021.   After the account was placed with General Credit Services we placed the account on her ********************** bureau with on opening date of December 5, 2023 (the date placed with General Credit Services) but a delinquency date of August 23, 2021 as this was here last payment on this account with Auto Sales & Service.    She disputed this account on her ********************** bureau file on February 9, 2024 and May 20, 2024 and we confirmed this account is being reported correctly.

    Attached is the documentation she requested on June 7, 2024 and was mailed to her on that date.

     

  • Initial Complaint

    Date:05/20/2024

    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 *************** Systems. I do not have contract with General Credit Services. They did not provide me with an original contract as requested.

    Business Response

    Date: 05/20/2024

    Dear Sirs:

    We have had this account placed with our office for collection on 12/8/23 from PuroServe.  We did not buy the account, it was in fact assigned to our office for collection on that day.  We have no record of ****************** ever requesting the information from our office.  We would be more than willing to provide the information to her, if she can verify her address, we will get that information out to her this week.  

    Please advise me of the correct address as none was provided on the complaint.

    Thank you.

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

    General Credit Services

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

  • Initial Complaint

    Date:10/03/2023

    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 *************. I don't have a contract with General Credit Services, Inc. They have not provided me with the original contract as I requested. I demand this account be removed from my credit report.

    Business Response

    Date: 10/04/2023

    Good Afternoon

    We do have an account for ************************ 6115  ************** Apt 7 Indianapolis, Indiana that has been placed with our office for collection by Auto Sales and Service located at **** East

    Washington Indianapolis, Indiana 46201

     

    ****************** called our office on 9/28/2023 regarding this account and advised ** that she did not owe this money. We will be happy to send her a copy of the contract she signed with Auto Sales and Service but need her current address as mail has been returned to our office.

     

    If you have any questions please call ************ or ************** 

     

    This is an attempt to collect a debt and any information will be used for that purpose

     

    This information is from a debt collector

     

    General Credit 

     

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

     

    Customer Answer

    Date: 10/04/2023

    This business do even have my correct address (current or old). This is not my account, please remove from my credit report. 

    Customer Answer

    Date: 10/04/2023

    Better Business Bureau:

    I have reviewed the response made by the business in reference to complaint ID ********, and have determined the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below. 

    [Provide details of why you are not satisfied with this resolution.]

    This business/company don't even have my correct address on file (current or old) and reporting inaccurate information on my credit report. Please remove from my credit report.  

    Regards,

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


    Business Response

    Date: 10/05/2023

    Good morning

    We will be happy to send ****************** the information she has requested on the debt owed to Auto Sales and Service but need a current address to send the information. Our client has a contract that ****************** signed

    If you have an questions or need anything else please let know

     

    This information is from a debt collector

     

    This is an attempt to collect a debt and any information will be used for that purpose

     

    General Credit Services

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

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

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

     

    Customer Answer

    Date: 10/19/2023

    Better Business Bureau:

    I have reviewed the response made by the business in reference to complaint ID ********, and have determined the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below. 

    [Provide details of why you are not satisfied with this resolution.]

    Regards,

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

General Credit Services, Inc. is NOT a BBB Accredited Business.

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