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:03/05/2025

  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 and I do not have a contract ASSOC CREDIT SERVICES they did not provide me with the original application like I asked.Account No: 2053 Amount Disputed: $629

  

  Business Response

  Date: 05/02/2025

  Associated Credit Services, Inc. has reviewed the consumers claims as well as our internal records. The validation requested was sent to the consumer on 2/19/25. The consumer then submitted another dispute through the credit bureaus, received by us on 3/13/2025, claiming true identity fraud/account fraudulently opened. We then closed the account in our office and requested deletion of the tradeline through the credit bureau dispute response process. The consumer would have/should have received notification from the credit reporting agency where the dispute was filed with our response. Associated Credit Services, Inc. has fulfilled our obligations by investigating, sending the validation and responding to the complaint in a timely manner. 

• Initial Complaint

  Date:03/05/2025

  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 ASSOCIATED CREDIT SE, I do not have a contract with Business Headquarters Location, they did not provide me with original contract as I requested.

  

  Business Response

  Date: 03/31/2025

  Thank you for submitting your concerns to Associated Credit Services, Inc. We have mailed you the validation you requested on 3/7/25 to the address you provided. In addition, we have closed your file in our office and with that, the tradeline on your consumer credit report will be deleted. Please allow up to 90 days for this deletion to reflect. We do recommend contacting the original creditor to fully resolve this matter, as closure here does not ****** any responsibility you may have to them. 

• Initial Complaint

  Date:03/03/2025

  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 general insurance company. I do not have a contract with CREDIT COLLECTION SERV. They did not provide me with the original contract as requested

  

  Business Response

  Date: 03/05/2025

  Associated Credit Services, Inc. is not affiliated with Credit Collection Serv that you name in your complaint. We believe you have the wrong company. In addition, we currently do not service ****************************** nor do we have a file connected to your name, phone number or address. 

• Initial Complaint

  Date:02/21/2025

  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 SIX FLAGS THEME PARKS and I do not have a contract with ASSOC CREDIT SERVICES plus they did not provide me with the original application like I asked. Account No: 2054**** Amount Disputed: $419.00

  

  Business Response

  Date: 02/26/2025

  Associated Credit Services, Inc. thanks you for submitting your concerns. Due to your request for a cease and desist on the attached document you provided, and your additional dispute through another channel, we have closed your file in our office, returned it to the original creditor and sent the request to delete the tradeline to the credit reporting agencies. There will be no further attempts to contact to you from Associated Credit Services, Inc. Please understand that closure here does not ****** any responsibility you may have to the original creditor, and we do recommend contacting them directly to resolve this matter, and to request any documentation you are seeking.

• Initial Complaint

  Date:02/18/2025

  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 am not liable for this debt with Progressive, I do not have a contract with CREDIT COLLECTION SERV, I paid this in full and this was still reported on my credit report as a paid collection after the creditor told me they will not put this on my credit report

  

  Business Response

  Date: 02/19/2025

  Associated Credit Services, Inc. has reviewed your claims and according to the information you provided, and a search of our data base, we believe you have submitted this complaint to the wrong company. Your complaint involves the companies Progressive and Credit Collection Serv, which Associated Credit Services is not affiliated with either. 

• Initial Complaint

  Date:02/16/2025

  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 national grid ny, I do not have a contract with Associated Credit Services, Inc., they did not provide me with the original contract as requested.

  Customer Answer

  Date: 02/27/2025

  I have not heard from the business in response to my complaint.

  

  Business Response

  Date: 03/10/2025

  Thank you for submitting your concerns to Associated Credit Services, Inc. We have sent the requested validation from the original creditor to the address you provided. In addition, the original creditor has recalled your file and Associated Credit Services, Inc. is no longer involved in resolving this matter. We have submitted the request to delete the tradeline to the credit reporting agencies which could take up to 90 days to reflect on your consumer reports. We do recommend contacting the original creditor with any additional questions or concerns you may have. 

• Initial Complaint

  Date:02/06/2025

  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.

  I am not liable for this debt with ************* . I do not have a contract with Associated Credit Services. They did not provide me with the original contract as I requested.

  

  Business Response

  Date: 02/07/2025

  Thank you for submitting your concerns to Associated Credit Services, Inc. (ACS). After a thorough review of the information you provided, it has been identified that we have never spoken to you on the phone, nor have we received any written correspondence from you requesting an original contract. As of 1/21/25 ACS is no longer involved in the reconciliation of this matter, and we recommend contacting ************* directly to obtain any information you seek. In addition, we have submitted the deletion request to the credit reporting agencies for this tradeline. Please allow up to 90 days for the update to reflect. If after 90 days you are not seeing the update, please contact our office directly and we will be happy to assist further. Our main phone number is ************. 

  Customer Answer

  Date: 02/11/2025

  [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 (removing the charge from my credit report) 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:02/04/2025

  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 CRDIT SERVICE. I do not have a contract with the collection agency. They did not provide me with the original contract as requested.

  

  Business Response

  Date: 02/05/2025

  Thank you for bringing this matter to our attention as we take these situations very seriously. On 5/24/24 our client, original creditor and owner of the debt ************* placed an account with our office for collection for the consumer. As of 1/21/25 the account was closed with our office at the request of National Grid and all credit reporting was deleted at that time. Any and all future inquiries regarding this debt should be directed to ************* directly. 

• Initial Complaint

  Date:02/02/2025

  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.

  I am absolutely not responsible for this debt with CREDIT COLLECTION SERVIC. I have no contract with ***************, and they have failed to provide me with the original contract despite my request.

  

  Business Response

  Date: 02/03/2025

  Thank you for bringing this matter to our attention as we take these situations very seriously. This consumer has the wrong company. We are Associated Credit Services, Inc. in ************. We are not Credit Collection Service. We have no affiliation with any company named Credit Collection Service. We do not have a client in the name of Progressive, LP. Nor do we have a consumer in our database with this name. 

  Customer Answer

  Date: 02/05/2025

  [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:01/22/2025

  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.

  I applied for a credit card in-store at ***** beauty rewards and they charged that card for my only purchase of $***** on 7/27/2021. They were supposed to send me the card and bills in the mail. I never received anything from them until I checked my credit report and seen they say I owe them ******. I got calls from a collections called ************************** and I told them I would have paid the ***** but I never got the card nor the bill in the mail and forgot about it. When they called I offered to pay the amount I charged on the car and they refused my payment.

  

  Business Response

  Date: 01/24/2025

  Thank you for bringing this matter to our attention as we take these situations very seriously. On 11/29/2024 our client ********************** the current owner of the debt, placed an account with our office for collection for the consumer. The original creditor was Comenity ************ for a credit card for ***** Beauty. On 1/7/2025 our office spoke to the consumer at which time the consumer disputed the amount owed. Our office immediately obtained full verification and itemization of the debt. That verification of debt was sent to the consumer on 1/9/2025 substantiating the amount of the debt placed with our office for collection.  Associated Credit ************* does not own the debt, we are simply the collection agency attempting to collect the debt on behalf of our client. Our office is more than willing to work with the consumer to resolve this debt.