Complaints

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

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  Associated Credit Services, Inc.

  3 Highwood Dr Tewksbury, MA 01876-1147

  
• 

  Associated Credit Services, Inc.

  PO Box 1201 Tewksbury, MA 01876-0901

  

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:06/09/2025

  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.

  Re: Dispute of Account Number ********* Fraudulent Activity Dear *********** am writing to dispute the account listed under the reference number above on my credit report. This account was opened without my authorization, and I have no recollection of applying for or agreeing to any terms with COLLECTION. As a result, I believe it constitutes fraudulent *********** accordance with 15 USC 1692g (Validation of Debts), I am requesting that you provide verification of this debt or a copy of the judgment within 30 days of this notice. To date, I have not received any signed documentation or contract that proves I consented to this account. Without a valid, signed agreement, there is no legal basis for this account to be ********************** with my name.Since I believe this account was fraudulently established, I request its immediate removal from my credit report and ask that all collection activities related to this account cease. If you are unable to provide the necessary documentation within the 30-day period, you are required by law to remove the account from my ********************** file and stop any further collection attempts.Please confirm receipt of this letter, and inform me of the next steps to resolve this issue.

  

  Business Response

  Date: 06/25/2025

  Associated Credit ************* has reviewed this consumers statements and our internal records. We have mailed the validation to the consumer, and we have closed the file in our office due to the request for us to stop any further collection attempts. In addition, we have submitted the request to delete the tradeline to the credit reporting agencies. Any further questions or concerns should be directed to the original creditor. 

• Initial Complaint

  Date:05/25/2025

  Type:Order 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.

  Im not liable for this debt with six flags theme parks, I do not have a contract with associate credit service. They also never provided me with the original contract as requested.

  

  Business Response

  Date: 05/28/2025

  Associated Credit Services, Inc. (ACS) has reviewed the consumers concerns as well as the information we have on file. This is the first request we have received for validation of the account, which we have sent to the address provided here. Our records include two separate accounts, each with different email addresses but the same mailing address. We did send validation for both today. We did not receive any indication that our original notice for the account named here ******** was not received (or for the other account) and therefore credit reporting was allowed. As a courtesy, we have submitted the request to delete the tradeline to the consumer credit reporting agencies for ********. Please allow up to 90 days for the deletion to reflect. Also, we request that the consumer call our office to discuss the matter at ************. We are open Monday - Thursday from 8am to 7pm ET and Friday from 8am to 5pm ET. 

  Customer Answer

  Date: 05/28/2025

  [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 submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 
  
  Regards,
  
  ********* ******

• Initial Complaint

  Date:05/04/2025

  Type:Customer Service 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 do not liable with *******. I do not have a contact with Associated Credit Services,Inc.They did not provide me with the original contact as requested

  

  Business Response

  Date: 05/05/2025

  Associated Credit Services, Inc. (ACS) has reviewed this consumers statements as well as our internal records. *** has not previously received a request for validation, however we have requested it from the original creditor, *******, and will mail it to the address provided (also the mailing address we have on file). *** does not perform credit reporting activities for this client; therefore, a tradeline from Associated Credit Services, Inc. for this matter will not appear on the consumer credit report. All credit related questions need to be directed to the original creditor. In addition, we will need more detail about why this consumer believes they are not liable to properly assist with a resolution. We request a call back to discuss at ************. We did call the phone number provided here on January 7th, 2025, and we were told by the person who answered that we have a wrong number for this consumer. We look forward to hearing back to fully resolve. 

• Initial Complaint

  Date:04/17/2025

  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 reaching out because this company has been harassing via email and letters stating that I owe them a debt I have never done any business with this creditor nor have I ever signed any legal contracts claiming this debt is mines . They have violated my consumer rights by stealing my information and reporting fraud on my credit report . According to **** 605B (15 U.S.C. 1681c-2) fraudulent information must be blocked immediately !! I have no relations to this debit or any contracts with my signature. You have illegally obtained my information I will file a law suit against your company if this is not removed from my credit report Acct #****

  

  Business Response

  Date: 04/17/2025

  Associated Credit Services, Inc. is a third-party collection agency that works on a contingency basis for our clients. The client name, who we are working for, is listed on the tradeline that was reported to your consumer credit file. We did not steal or illegally obtain your information, and we did not violate any consumer rights laws. The email and phone number you provided here matches what we have on file. The communications we sent were done so within regulations for the industry and despite our attempts to reach you, this is the first response we have had from you regarding this matter. None-the-less, we have closed your file in our office and returned it to the original creditor. Please understand that closure here does not ****** any responsibility you may have with them, and we do recommend contacting them to fully resolve. The request to delete the tradeline from your consumer report has been submitted and can take up to 90 days to reflect. 

  Customer Answer

  Date: 04/17/2025

  [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 submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 
  
  Regards,
  
  ***** ********

• Initial Complaint

  Date:04/03/2025

  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 honestly dont get why ASSOC CREDIT SERVICES 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: 2065 Amount Disputed: $628

  

  Business Response

  Date: 04/10/2025

  Thank you for submitting your concerns to Associated Credit Services, Inc. This is the first communication we have received from you and the first request we have received for validation of your account, which will be mailed to the address you have provided here (which matches what we have on file for you) once we receive it from the original creditor. We will update the tradeline to reflect as disputed and begin our investigation into the validity of the information. Credit reporting is done at the directive of our client, and we are not able to delete the tradeline unless the information cannot be properly validated, or if there is some proof you can provide that reflects you did not receive our letters/emails that we have sent to you. We have not received notification that you have not received them. Once you receive the validation, please review the documents and call our office to resolve/discuss. Our phone number is ************. We look forward to working with you to resolve this matter. 

• Initial Complaint

  Date:04/02/2025

  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.

  Fraudulent charge made by ***************** while I had a different ************* for the same time period.CREDIT CARD SERVICE HAS BEEN HARRASING ME TO COLLECT PAYMENT WHICH WAS ILLEGALY CHARGED AND SENT ME TO COLLECTIONS. I have been receiving phone call . test messages , emails demanding payment for a service I did not receive

  

  Business Response

  Date: 04/14/2025

  Associated Credit Services, Inc. does not have a file for a consumer with your name, nor do we do collections for Geico. We believe you have contacted the wrong company. 

• Initial Complaint

  Date:04/01/2025

  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 for this debt with The *************************, I do not have a contract with Credit Collection Serv, concerning past debt. They have not provided me with the original contract as I requested.

  

  Business Response

  Date: 04/14/2025

  Associated Credit Services does not do collections for The *************************. In addition, we do not have a file matching your name/address/phone number. We believe you have contacted the wrong company. 

• Initial Complaint

  Date:04/01/2025

  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.

  **Complaint Statement**I am disputing an invalid account reporting by ASSOC CREDIT SERVICES on my credit report. This account is inaccurate, unverified, and violates the Fair Credit Reporting Act (FCRA). Since it does not meet the legal standards for reporting, I request its immediate removal. It must be deleted per federal law.

  

  Business Response

  Date: 04/14/2025

  Thank you for submitting your concerns to Associated Credit Services, Inc. Your file is closed in our office. It was closed on 4/8/2025 due to the disputes you submitted through the credit reporting agencies. The request to delete the tradeline from your consumer credit report has been sent and should reflect within 90 days. If you do not see this updated, please call our office at ************. 

• Initial Complaint

  Date:03/19/2025

  Type:Sales and Advertising 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.

  Under 15 U.S. Code 1681e (b)Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.15 U.S. Code 1681/ (5)Treatment of inaccurate or unverifiable information(A)In general it, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of o the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency shall-i)promptly delete that item of information from the file of the consumer, or modity that item of information, as appropriate, based on the results of the reinvestigation; and il)promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

  

  Business Response

  Date: 03/20/2025

  Thank you for submitting your concerns to Associated Credit Services, Inc. Your description does not specify what information you believe is not accurately reporting. As such, we have requested validation of the information and will send it out to the address we have for you. After you receive and review this information, please contact our office to discuss and resolve this matter. Our phone number is ************. We are open Monday - Thursday from 8am - 7pm EST and Friday from 8am - 5pm EST.  In addition, we will update the reporting to reflect as disputed, until we are able to provide a proper investigation into exactly what it is you believe is inaccurate when you provide us with the information we need to best assist you. 

  Customer Answer

  Date: 03/20/2025

  Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

  [You must provide details of why you are not satisfied with this resolution.  If you do not enter a reason for your rejection, your complaint will be closed as Answered.]
  
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  
  FAQ
  
  Regards,

  ****

   

   

  

  Business Response

  Date: 03/31/2025

  Associated Credit Services, Inc. has sent a copy of the validation to the address provided. In addition, due to the multiple disputes you have submitted, we have closed your file in our office and returned it to the original creditor. We do recommend contacting them directly to fully resolve this matter. With the closure in our office, the tradeline on your consumer credit report will be deleted. Please allow up to 90 days for the deletion to reflect. 

  Customer Answer

  Date: 04/02/2025

  [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 submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 
  
  Regards,
  
  **** Astorga ******

• Initial Complaint

  Date:03/17/2025

  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 for this debt with ASSOC CREDIT SERVICES I do not have a contract with ASSOC CREDIT SERVICES , they did not provide me with the original contract as I requested.

  

  Business Response

  Date: 03/19/2025

  Thank you for submitting your concerns to Associated Credit Services, Inc. This is the first communication we have received from you, and the first request we have received for documentation/validation of the information we have.  We have sent this information to the email address you provided.  Please understand that Associated Credit Services is a third party and credit reporting is done at the directive of our client. We hope you will review the documentation sent and contact our office to resolve this matter. We have tried to call you previously at the phone number you provided but have not been successful in our attempts. In addition, we have mailed you the proper notifications and have not received a mail return to indicate that you didn't receive our correspondence. Again, we would like to speak with you and hope you will contact our office to discuss. Our phone number is ************. We are open Monday through Thursday from 8am - 7pm EST and Fridays from 8am - 5pm EST. We look forward to hearing from you.