Complaints

This profile includes complaints for Credit Clearing House of America, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Credit Clearing House of America, Inc.

  120 E. Market St. Louisville, KY 40202

  
• 

  Credit Clearing House of America, Inc.

  P O Box 1209 Louisville, KY 40201-1209

  

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:05/22/2025

  Type:Service or Repair 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.

  To Whom It May Concern,
  Complaint Regarding Refusal of accommodation
  On 5/21/25, I attempted to submit paperwork necessary to dispute a charge of $1208 (x2) on my account, as is my right under the Fair Credit Reporting Act (FCRA). Due to my disability, I requested the following reasonable accommodation: , "to submit the documentation electronically via a secure portal," This request was denied by Shawn, who stated that they do not use email to correspond, even if it is requested as an accommodation.
  This refusal constitutes a violation of the Americans with Disabilities Act of 1990 (ADA). Title III of the ADA prohibits discrimination on the basis of disability in places of public accommodation, which includes financial institutions like Credit Clearing House. Covered entities are required to make reasonable modifications to policies, practices, or procedures when necessary to afford goods, services, facilities, privileges, advantages, or accommodations to individuals with disabilities, unless doing so would fundamentally alter the nature of the goods or services or result in an undue burden.[1] The requested accommodation was reasonable and necessary to ensure my equal access to your dispute resolution process.
  Furthermore, this refusal has directly impeded my ability to exercise my rights under the Fair Credit Reporting Act (FCRA). The FCRA grants consumers the right to dispute inaccurate or incomplete information on their credit reports, and furnishers of information, such as credit clearing house, have duties to investigate such disputes.[2] By denying a reasonable accommodation for the submission of required dispute documentation, Credit clearing House has effectively prevented me from initiating or completing a legally mandated dispute process, thereby violating my rights under the FCRA. The Consumer Financial Protection Bureau (CFPB) enforces federal consumer financial laws, including aspects of the FCRA, and emphasizes fair treatment

  Customer Answer

  Date: 05/22/2025

  
  
  Complaint: 23360475
  
  
  
  I am rejecting this response because:

   

  I am unable to review attachments sent to me. 
  
  
  
  Sincerely,
  
  
  
  ******* *****

  

  Business Response

  Date: 05/23/2025

  We have resubmitted the attachment and have also included the text from the attachment below for your convenience.

  **** ********
  BBB
  Re: Your ID #******** Our ID ******* *****, *******
  *** ********** ** #** +
  ********, KY *****
  CREDITOR:                              BALANCE
  ******* ********* ********** PSC          $1,208.00
  
  This is in response to your complaint filed with the BBB.
  Thank you for your message and for bringing this concern to our attention.
  We understand and respect your right to request a reasonable accommodation under the Americans with 
  Disabilities Act (ADA). Our company accepts dispute documentation through several channels to 
  support accessibility, including by phone, by mail, and via the Better Business Bureau’s secure 
  online portal.
  If none of these options meet your accessibility needs due to a disability, we are open to working 
  with you to identify a reasonable alternative. Please let us know your specific limitations and we 
  will evaluate the feasibility of your request in good faith.
  Our goal is to ensure all consumers have equal access to the dispute process as required under both 
  the ADA and the Fair Credit Reporting Act (FCRA).
  We look forward to resolving your concern and ensuring access to the appropriate channels.
  We have received the document you sent with your complaint; however, it does not provide any 
  details or what your dispute entails.
  We have marked your account as disputed, and the disputed account will be removed from your credit 
  file while we investigate your dispute.
  THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION WILL BE USED FOR THAT
  PURPOSE. THIS COMMUNICATION IS FROM A DEBT COLLECTOR
  
  

  
  

• Initial Complaint

  Date:08/26/2024

  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 know who the collector or the original creditor is. I would like to request a debt validation of debt to verify that this is my debt. I have never received one. I never signed with a collection agency. I have no recollection of the creditor reaching out to me at all. I would like these derogatory remarks off my credit report. If they are unwilling to do that, I need a debt validation of debt where they can verify every bit legally required information that the debt belongs to myself and not someone with the same name or someone opening the account fraudulently. Thank You.

  Customer Answer

  Date: 08/29/2024

  I have hit a letter of debt validation to credit clearing house of America Inc via **** certified mail along with an authorized representative form and a HIPPA Release form. Along with a copy of my identification

  

  Business Response

  Date: 08/30/2024

  We need more information on this account. This person has a common name and we are not finding the account with the limited information we have been given. We need last 4 of the ss#, an account number. Thanks

• Initial Complaint

  Date:07/17/2023

  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.

  Collection agency trying to have me pay a bill i already paid long time ago have proof, this shouldn't be on my credit report. I shouldn't be billed twice for same bill? When I go to website for emergency medical associates shows I owe nothing! I have bank statements showing this bill was paid long time ago.

  

  Business Response

  Date: 08/14/2023

  This is in response to your claim that a payment of $225.00 that you made in May 2023 paid this claim .
  We have attached a copy of information from the original creditor. One bill for $225.00 for service dating from
  I I /23/2022 and a second bill also for $225 .00 for services dating from 4117/2023. As you can see the 4/ 17/2023 bill
  credit was given for your May 2023 payment. If you have proof of payment for the II /23/2022 bill please send that
  to us and we will investigate the matter further.
  Please compare this information to your payment records. If after you review the creditors' information you find you
  disagree with the amount owed, please send us your side of the story, include any documentation that supports your
  side of the story. If you respond to this letter, we will investigate the matter further.

• Initial Complaint

  Date:04/25/2023

  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 received a bill dated April 21, 2023 from Credit Clearinghouse of America, Inc. ( a company I have never heard of). It listed a bill for $2240.00 from "Pinnacle Inpatient Medical Services", another company I do not know, from September 24, 2020. There was no other explanation of this money they say is owed. There is NO email address anywhere on their website. The LinkedIn for the CEO did not list any contact information except reference to the company website. FROM THE LETTER : Reference:*******, Account Number: *****.

  

  Business Response

  Date: 05/08/2023

  This is not a complaint, this is a request for an itemized statement. See attached for response. 

• Initial Complaint

  Date:10/28/2022

  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.

  Contact my insurance company, ******** ********. GET IT OFF OF MY CREDIT REPORT AND ANY CREDIT DAMAGE.

  

  Business Response

  Date: 10/31/2022

  We need more information on this individual to be able to identify the correct account. We do not have an account with that name and address or phone number to match it to. We need the last 4 of a ss#, an account number and who the account is with. Without more info there is no way we can respond to this "complaint".  

  Customer Answer

  Date: 11/05/2022

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  
  
  Regards,
  
  
  
  ******* ****
  
  
  
  

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