Complaints

This profile includes complaints for Hillcrest Credit Agency's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Hillcrest Credit Agency

  1953 Scottsville Road, Suite 100 Bowling Green, KY 42104-2220

  
• 

  Hillcrest Credit Agency

  800 Park St Bowling Green, KY 42101

  

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:05/12/2025

  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 request the removal of this account due to improper handling and reporting.

  

  Business Response

  Date: 05/22/2025

  All accounts are reported as disputed after Mr. ***** disputed them in March of 2025. Verification of debt was mailed on 03/05/25. We also received cease and desist order, so we stopped any further communication.

   

• Initial Complaint

  Date:03/04/2025

  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 was garnished my wages for a medical bill from my employer Henkel. It was paid and not removed from my credit report. Would like to have it removed/ updated please.

  

  Business Response

  Date: 03/07/2025

  It is policy of Hillcrest to request removal of any zero balance accounts from consumers reports. Please provide us accounts numbers of any zero balance accounts reporting on your credit so we can investigate and make corrections if needed.

• Initial Complaint

  Date:09/19/2024

  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 do not have a contract with this company. Need to be removed from our credit report and stop all negative report. This bill is not mine.

  

  Business Response

  Date: 09/23/2024

  Consumer doesn't need to have contract with Hillcrest in order for Hillcrest to collect on past due accounts. We investigated consumer's complaint and confirmed with the creditor amount owed and correct responsible party. We will be mailing supporting documentation to the consumer. Based on previous dispute received from the consumer, account is already flagged as disputed.

• Initial Complaint

  Date:09/05/2024

  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.

  My son was transported by an ambulance and treated in an ER at Medical Center of Bowling Green August 12/2023. They attached my son's account to the wrong address and phone number so they were unable to gather needed insurance information. They turned him over to Hillcrest Credit, a collection agency were we have tried for 8 month to settle the account. They refuse to bill his insurance even though they have a contract with the company and they refuse to work with our insurance company. They continue to send me bills and add interest refusing to listen to the "law" of their contract concerning anthem and the agreement with the hospital and ambulance. I am at my witts end with this collection agency as they feel they are above the law and do not need to abide the contract between the hospital and anthem. A contact at anthem regarding the case is *******. Telephone number *************** They are asking that I pay for the entire billed amount even though we had insurance and they made the billing mistake of sending it to the wrong address for months. This credit agency needs to be under serious watch because they are refusing to abide by the contract and refusing to stop the billing per anthem's request.

  

  Business Response

  Date: 09/12/2024

  We have contacted on our client regarding billing issues stated in the complaint. Letters and calls were sent to the address and phone number provided by the patient. We also went over insurance billing issue. Patient did not provide insurance information at the time of service and now it is past timely filing, however, our client agreed to bill insurance if insurance waives timely filing for these claims. Consumer will need to get involved with their insurance regarding timely filing waiver. 

• Initial Complaint

  Date:08/22/2024

  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 this debt with Hillcrest Credit Agency, I do not have a contract with Hillcrest Credit Agency, they did not provide me with the original contract as requested.

  Customer Answer

  Date: 08/22/2024

  I asked for documentation over the phone with HillCrest Credit agency 

  

  Business Response

  Date: 09/12/2024

  Consumer does not have to have contract with Hillcrest in order for Hillcrest to do collections on the past due account. Also consumer never contacted Hillcrest requesting any documentation to be provided.

  Customer Answer

  Date: 09/16/2024

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:
  
  I called Hill Crest asking for documentation 
  
  Sincerely,
  
  
  
  **** *******

  

  Business Response

  Date: 09/17/2024

  Again, consumer does not have to have contract with Hillcrest in order for us to collect on past due accounts. Our contracts are with the original creditors. Our records do not show consumer requesting any information form Hillcrest, however, If consumer is wanting us to provide verification of the debt(s), we can do that as long as consumer provides us with the account information; account number, date of service, etc.

• Initial Complaint

  Date:05/13/2024

  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 am not liable to the debt with Hillcrest Credit Agency I do not have a contract with Hillcrest Credit agency. When I asked for original contract they did not provide one

  Customer Answer

  Date: 05/13/2024

  I have tried for the past few months to obtain a contract from this company to verify this collection I have never signed a contract with this company or did any business of any kind for them to be reporting or assuming that I owe them anything. I have filed complaint after complaint I never receive anything besides collection letter and calls harassing me for a payment please help!

  

  Business Response

  Date: 05/22/2024

  *** **** HAS 18 ACCOUNTS WITH HILLCREST. ANY ACCOUNT THAT HAS RECEIVED A DISPUTE HAS BEEN PROPERLY RESEARCHED AND A RESPONSE SENT TO *** ****.  SHE SEEMS TO MISUNDERSTAND THAT SHE DOES NOT CONTRACT WITH HILLCREST.  HILLCREST IS A 3RD PARTY DEBT COLLECTOR AND CONTRACTS WITH THE ORIGINAL CLIENT FOR COLLECTION OF A BAD DEBT.  THE DEBT IS NOT PURCHASED BY HILLCREST.  PROOF HAS BEEN PROVIDED TO ** **** OF HER SIGNATURE, INSURANCE CARD AND ANY OTHER DOCUMENTATION PROVIDED BY THE ORIGINAL CLIENT.

  Customer Answer

  Date: 05/28/2024

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:
  
  I want proof of debt I want to know what information these people are using to report inaccurate information. I understand there is no contract if they were provided with insurance and signatures how is there still a debt I don’t even have 18 accounts reporting that I can see. I sent in validation letter request I been in correspondence with these people for months trying to get this solved the debt is not valid. The state covers my insurance what was used is not that ** **** don’t understand it’s HILLCREST CREDIT AGENCY IS NOT PROVIDING INFORMATION YET STILL REPORTING INACCURATE INFORMATION ON MY CONSUMER REPORT. I WANT ANSWERS ITS NOT OK FOR THESE PEOPLE TO DO THIS OR CONSTANTLY CALL ME WHEN I ASK THEM NOT TO TRYING TO COLLECT A DEBT THAT I DONT OWE THESE PEOPLE

  
  Sincerely,
  
  
  
  ********* ****

  

  Business Response

  Date: 05/30/2024

  Hillcrest has responded to any account that *** **** has disputed.  Some of the accounts have her minor children listed with her as the guarantor.  We are not communicating with her per her request.  

  Customer Answer

  Date: 06/05/2024

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: I have never signed for any minor children to be seen and the children I have has always been insured by state medicaid coverage Im not responsible for what they are illegally reporting on my credit report as a consumer I asked for validation that was sent out certified mail and never received a response so now you saying its for a minor child I asked for validation validate or remove this account immediately I'll take the money to sue you before I pay a debt that you cant even prove I owe because I don't!
  
  
  
  Sincerely,
  
  
  
  ********* ****

• Initial Complaint

  Date:04/18/2024

  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.

  My children attended ****** **** ********* in Bowling Green KY. We were required to prepay weekly so the children we not allowed to attend unless the bill had been paid the previous week. I have uploaded bank account records to verify my payment. The daycare required 2 week notice of termination and I provided them almost a month of notice, far above the 2 week requirement. Also attached. The payment system was *********** and Ive included screenshots of both children's last checkout through the same system. The account was turned over to a collection agency without the owners of the daycare ever reaching out to resolve the problem. They have my email, phone, and address. I explained this to the credit agency and they still wont close my case and my credit is unnecessarily suffering. I would like it removed but they will not discuss that, only payment. I cannot pay an account that has already been paid, it is unfair billing practices. Likely even fraudulent.

  

  Business Response

  Date: 04/18/2024

  We have already investigated this through a Credit Reporting dispute.  We spoke with the Director at ******* **** and agreed the accounts should be closed and returned to them.  This took place at 3:07 pm on 4/17/24. A letter was mailed to *** ****** advising her of such.  This will be removed from her credit.

  Customer Answer

  Date: 04/18/2024

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:

  i would like to keep the case open until it has been removed from my credit. This incident has negatively affected my ability to buy a home and receive a loan. I would like to ensure that it is removed asap. I do appreciate your response and coordination with ****** ****. Thank you for your efforts.
  
  
  
  Sincerely,
  
  
  
  ******** ******

• Initial Complaint

  Date:02/27/2024

  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.

  Have no idea what this is- it’s from 2008 and I have ask for additional information

  

  Business Response

  Date: 02/27/2024

  *** ***** has already contacted the Attorney requesting the garnishment be stopped.  As the attachment states, this is from a judgment dated 1/24/08. There were several discussion with *** ***** prior to seeking the judgment.

• Initial Complaint

  Date:02/09/2024

  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.

  This company will fail to provide the details of medical debt. Then attempt to sue without sending any collection notice. They also fail to file insurance even after giving them the information. They play a cat a mouse game. They will never give direct answers. They will give you the go around. Very incompetent group of employees. They lie and claim they file stuff when they don’t. And the manager there is incredibly rude and disrespectful. They also don’t follow federal laws regarding debt collection which a report is being filed against them,

  

  Business Response

  Date: 02/09/2024

  We are unable to determine who the consumer is based on the information provided in the complaint.  We cannot respond to this complaint with incomplete facts.

  Customer Answer

  Date: 02/09/2024

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: this is the game they play pretend they don’t know what’s going on to avoid any type of resolution
  
  
  
  Sincerely,
  
  
  
  ****** *****

  

  Business Response

  Date: 02/15/2024

  Now that a name has been provided, Hillcrest does not agree with her assessment.  Her accounts have been closed.

• Initial Complaint

  Date:02/02/2023

  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 have been paying on accounts listed to this agency, as far as I know these accounts were paid in full, yet they continue to harass me every time they say I am paid in full they claim I have another bill , they are texting and calling, sending letters and now they are calling my work and this is unacceptable. Anything that the BBB can do would be greatly appreciated. Thank you

  

  Business Response

  Date: 02/02/2023

  Hillcrest does not text nor send e-mails to consumers regarding their collection accounts.  All collection efforts are conducted via phone or letter.  A payment has not been received on either of his two accounts since October 2022. He has also disputed his account and no payments could be applied if made until the dispute is lifted.  A call was place for location purposes to his place of employment.  He answered the call and requested no calls be placed to his place of employment.  His accounts have been noted.  Both accounts are due.

  Customer Answer

  Date: 02/03/2023

  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action 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. Please respond here ONLY]
  
  
  
  Regards,
  
  
  
  ***** *****