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:01/21/2025

  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 the debt with ******************* I do not have a contract with ****************, they did not provide me with the original contract as I requested.

  

  Business Response

  Date: 01/22/2025

  Thank you for bringing this matter to our attention as we take these situations very seriously. We believe that the consumer has the wrong company. We do not have any consumer in our database by this name, we do not work with or have any contract with work with ***** or **** Funding. One thing of note is we are Associated Credit Services, Inc. in ************. There is another similarly named company Associated Credit Service (no "s" on the end) out of **********. We have no affiliation with this other company.  

• Initial Complaint

  Date:01/21/2025

  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'm not liable for this debt with *************. I do not have a contract with the collection agency they did not provide me with the original contract as i requested

  

  Business Response

  Date: 01/22/2025

  Thank you for bringing this matter to our attention as we take these situations very seriously. On 6/12/2024 our client, original creditor and owner of the debt ************* placed an account with our office for collection for the consumer. Earlier today our office received a dispute through the credit bureaus stating the same as above. At that time the account was placed on hold, and we have reached out to ************* to obtain full verification of debt. Once we receive the verification of debt we will immediately send it to the consumer. As relates to credit reporting, all credit reporting is performed at the specific direction of ************** 

• Initial Complaint

  Date:01/21/2025

  Type:Product 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 partial from Benevis (********* Dental) onJune 26, 2024.I paid $337.50 for the partial and requested a full refund which I have not received. The partial broke the same day and I returned it the same day.I spoke with the project manager in *******, ** and ******, ***I was out of town and busy working, but themanager in *******, ** stated that a check was in the mail in October 2024.January 21, 2025, I received a text message from Associated Credit Services saying that I owe Benevis (********* Dental) $249.50 and that it's in collections. When I called ********************************** department on January 21, 2025 the rept stated that I had a credit for $316.50 in my account and that they sent a refund request to their parent company in October for a refund of $97. She stated that she is not sure why it has not been mailed or processed and that she would try to call me back. It has been nine months and I do not trust Benevis (********* Dental) to call me back.Also, when I called Associated Credit Services, I gave them my phone number and the account number in thetext message I received, but they would not give me any information because I would not give them my address. I spoke to ***** ****** and he transferred me to ******* *****. This is what they sent in the text message:Hi, ********. You will now receive texts from Associated Credit Services (ACS) - Debt Collector about your $249.50 unpaid balance with ****************..#OfMsgsVaries Msg&DataRatesMayApply Pmts and Info: ********** RE ******** *********** To optout txt STOP

  

  Business Response

  Date: 01/22/2025

  Thank you for bringing this matter to our attention as we take these situations very seriously. On 10-15-24 our client New Benevis - ********* Dental placed an account with our office for collection for the consumer. As a collection agency we are governed by Federal, State and local regulations. These regulations require our office to fully verify the identity of all incoming calls. These requirements are in place to protect consumers and ensure against sharing any personal information with anyone other than the consumer. When the consumer called our office, they refused to verify their information. As a result, we were prohibited by law and regulations from discussing the account. If the consumer calls our office, we would be more than happy to discuss the situation with the consumer. When calling our office, the consumer would need to verify either their DOB and full mailing address OR the last 4 digits of their SSI number and full mailing address. Once that has been verified, we can fully discuss the account. Again, these regulations are in place to protect the consumer and their nonpublic private information.  

  Customer Answer

  Date: 01/22/2025

  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. 

  [I do not want them to contact me via phone and they will not receive a phone call from me since they need my personal information. Their customer Benevis has my mailing address and they can send me the information via mail. So, that I will have it in writing to send to the ************ and the ***************** when I file a grievance. I do not owe them. They owe me a refund for a broken partial and I returned it to them the same day.]
  
  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: 01/27/2025

  As a result of this complaint our office is closing the account and returning it to New Benevis - *************************. Our office will not be contacting the consumer again. It is critical to point out that our internal closure does not make the debt in question go away. It simply means our office will not be contacting the consumer. What New Benevis decides to do with the debt is entirely up to them. 

• Initial Complaint

  Date:01/17/2025

  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 not liable for this debt and I do not have a contract with CREDIT COLLECTION SERV plus they did not provide me with the original application like I asked.Account No: 7936 Amount Disputed: $608

  

  Business Response

  Date: 01/17/2025

  Thank you for bringing this matter to our attention as we take these situations very seriously. We believe the consumer has filed this complaint under the wrong company. We are Associated Credit Services, Inc. in ************. The consumer lists Credit Collection Services as the company they are filing a complaint about. There are many collection agencies in **. There is a CCS in *********. Additionally, after a careful search, our office does not have a consumer by this name, address or phone number in our system of record. Lastly, our account numbers are 8 digits long. This consumer filed this complaint under the wrong company.  

• Initial Complaint

  Date:01/06/2025

  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 Service I do not have a contract with Associated Credit Service, they did not provide me with the original contract as requested

  

  Business Response

  Date: 01/06/2025

  Thank you for bringing this matter to our attention as we take these situations very seriously. On 3-1-24 our client ************* placed an account for collection with our office for the consumer. This complaint is the first communication we have received from the consumer (verbal or written). This is for the final bill for the consumer's gas service ending 10/21/23 at **************************************. Based on this complaint we will place the account on hold and obtain full verification of debt and send it to the consumer to the address provided above. As relates to credit reporting, all credit reporting is performed at the specific direction of ************** 

• Initial Complaint

  Date:12/28/2024

  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 for this debt with six flags theme parks, 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: 12/30/2024

  Thank you for bringing this matter to our attention as we take these situations very seriously. On 10-24-23 our client Six Flags Theme Parks placed an account with our office for collection for the consumer. as of 11/26/24 the account remained unpaid. On 11/26/24 our office closed the account and returned it back to *********. What Six Flags decides to do with the account going forward is entirely up to them as they are the original creditor and owner of the debt. However, as of 11/26/24 our office is no longer attempting to collect the debt from the consumer. Our office canceled credit reporting on 12/02/2024. 

• Initial Complaint

  Date:12/17/2024

  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'm Not Liable for this debt with SIX FLAGS , 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: 12/18/2024

  Thank you for bringing this matter to our attention as we take these situations very seriously. On 12-3-2024 our client Six Flags Theme Parks placed an account with our office for collection for the consumer. Our office immediately sent the consumer our Model Validation Notice. This complaint is the first and only communication we have received (verbal or written) from the consumer. Based on this complaint we will place the account on hold and will be happy to contact Six Flags and obtain full verification of the debt. Once we receive the validation of debt, we will immediately send that to the consumer. As relates to credit reporting, though this is a credit reporting client, our office has not credit reported the account to any bureaus on our client's behalf at this point. The account is still in the validation period. 

  Customer Answer

  Date: 12/18/2024

  [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:12/12/2024

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

  

  Business Response

  Date: 12/12/2024

  Thank you for bringing this matter to our attention as we take these situations very seriously. On 6-12-24 our client ************* placed an account for collection with our office for the consumer. Since that time our office has sent numerous communications to the consumer to the exact address provided above by the consumer. Until the filing of this complaint we have not received any communication from the consumer, written or verbal. This National Grid debt is for gas service for the exact address the consumer provided above on this complaint. Based on this complaint our office will place a hold on the account and obtain full verification of debt from *************. Once received we will immediately send the full verification of debt to the consumer. As relates to credit reporting, all credit reporting is performed at the specific direction of National Grid as the original creditor and owner of the debt. Lastly, our office has not received any dispute information from any of the three credit bureaus related to this consumer. We utilize Sonnet with the bureaus where any disputed information received by the bureaus are immediately sent to our company. To date we have received noting regarding this consumer. 

• Initial Complaint

  Date:11/06/2024

  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 sent them a letter for the validation of the debt and they violated the law without responding

  

  Business Response

  Date: 11/07/2024

  Thank you for bringing this matter to our attention as we take these situations very seriously. This consumer filed a second **** complaint today regarding this debt. The following is our response to the **** complaint. On 12-1-2023 our client ************* placed an account with our office for collection for the consumer. On 5/10/2024 this consumer filed a separate CFPB complaint # ******-14250463 claiming that by filing a1099C she didn't have to pay this debt. That assumption is wrong. Additionally at that time our office obtained and sent the consumer full verification of the debt on 5-15-2024. As a result of this complaint our office is going to close the account internally and sending it back to the original creditor and owner of the debt, *************. Important to note that our internal closure of the debt in no way eliminates the debt it only means we are returning the account to *************. What National Grid decides to do once we return it is entirely up to National Grid. Finally, any and all credit reporting is performed at the specific direction of *************.

  Customer Answer

  Date: 11/14/2024

  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,

  Soleil

   

   

  

  Business Response

  Date: 11/19/2024

  As stated in our previous reply, on 11/7/2024 our office closed and returned the account to the original creditor and owner of the debt *************. On 11/15/2024 our office deleted the tradelines from all 3 credit reporting agencies. Additionally, full verification of debt was sent to the consumer when it was originally requested as well as through the **** when the complaints were filed. Critical to note, and as stated previously, what National Grid does with this account going forward is entirely up to National Grid. Our company has no authority in their decision making as they are the original creditor and owner of the debt. 

  Customer Answer

  Date: 11/26/2024

  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,

  Soleil

   

   

• Initial Complaint

  Date:10/17/2024

  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 Associate Credit Services. I don't have and never had a contract with Associate Credit Services. They did not provide me with the original contract as I requested

  

  Business Response

  Date: 10/18/2024

  Thank you for bringing this matter to our attention as we take these situations very seriously. On 8-13-24 our client ************* placed an account with our office for collection for the consumer. Though our office has made numerous attempts to reach the consumer, this complaint is the first communication we have received from the consumer. As a result of this complaint our office is placing a hold on the account and is obtaining full verification of debt from *************. As soon as our office receives the verification of debt, we will immediately send it to the consumer. As relates to credit reporting, all credit reporting is performed at the specific direction of ************** 

  Customer Answer

  Date: 10/18/2024

  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. 
  

  As stated before, I have no knowledge of Associate Credit Services nor any liability to any debt being collected from your company as reported on the credit report. There is no contract between myself and this company .

   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,

  Jazzae

   

   

  

  Business Response

  Date: 10/21/2024

  As stated in our reply to this complaint on 10-18-24, our office has placed a hold on the account and is in the process of obtaining full verification of debt from our client National Grid. This is the final invoice for the consumer's ***************** service from 11-12-18 to 11-02-23. Once we receive the full verification of debt, our office will immediately send it to the consumer. 

  Customer Answer

  Date: 10/21/2024

  [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 temporarily while investigation is underway in reference to complaint #********. I understand that by choosing to accept the business response that my complaint will be marked as pending resolution . 
  
  Regards,
  
  Jazzae Verse