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:10/10/2024

  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 Associate Credit Services. I do not have any contract with Associate Credit Services, and they have not provided me with an original and/or signed contract by my me or any other authorized party on my behalf.

  

  Business Response

  Date: 10/16/2024

  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 (Six Flags Discovery Kingdome) placed an account for collection with our office for the consumer. To date we have not received any communication from the consumer (verbal or written) until the filing of this complaint. In spite of our numerous attempts to contact the consumer. Based on this complaint our office is placing the account on hold and is obtaining full verification of debt for the consumer from Six Flags. Once we obtain the full 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 Six Flags. This reporting will be placed on hold until the verification of debt is sent to the consumer. 

• Initial Complaint

  Date:10/06/2024

  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 the debt with Six Flags Theme Parks. I do not have a contract with Associated Credit Services. They didnt provide me with the original contract as requested.

  

  Business Response

  Date: 10/07/2024

  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. Our office has made numerous attempts to contact the consumer but have been unsuccessful. This complaint is the first communication we have received from the consumer. Based on this complaint our office is placing the account on hold and will obtain full validation of debt from Six Flags. Once we receive the validation of debt from Six Flags, we will immediately send it to the consumer. As relates to credit reporting, all credit reporting is performed at the specific direction of Six Flag. However, this reporting will be suspended until the full verification of debt is sent to the consumer.  

• Initial Complaint

  Date:09/04/2024

  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 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: 09/05/2024

  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 (Six Flags America) placed an account with our office for collection for the consumer. Our office immediately sent the consumer our Model Validation Notice. To date, until this complaint we have not received any communication from the consumer. At no point has the consumer requested validation of debt. Based on this complaint our office will place the account on hold and obtain full validation of debt from Six Flags and will immediately send it to the consumer. As relates to credit reporting, all credit reporting is performed at the specific direction of Six Flags. 

  Customer Answer

  Date: 09/09/2024

  [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 not 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. I will be on the lookout for the original agreement.
  
  Regards,
  
  *********************

  Customer Answer

  Date: 09/09/2024

  [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 not 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. I will be on the lookout for the original agreement.
  
  Regards,
  
  *********************

• Initial Complaint

  Date:08/15/2024

  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 have no knowledge of this account , I did not enter into a contract with this business . business did not send me an original contract showing this

  

  Business Response

  Date: 08/19/2024

  Thank you for bringing this matter to our attention as we take these situations very seriously. On 4-1-24 our client National Grid placed an account with our office for collection for the consumer. This account was for the final bill for services rendered to the consumer that ended 11-1-23. Upon placement of the account our office immediately sent the consumer our Model Validation Notice. On 6-14-24 the consumer called our office and stated that they would not pay the bill unless we removed the debt from the credit bureaus. Our office advised the consumer that the practice of "pay for removal" is not a practice we condone or do. The consumer chose not to pay the debt at that time. Additionally, it is critical to note that any and all credit reporting is performed at the specific direction of National Grid. Our office has had no further contact with the consumer until the filing of this complaint. As a result of this complaint, we will be placing the account on hold and will obtain full validation of debt from National Grid and upon receipt we will immediately send that to the consumer. 

• Initial Complaint

  Date:07/15/2024

  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 GEICO INDEMNITY CO., I do not have a contract with CREDIT COLLECTION SERV, they did not provide me with the original contract as requested.

  

  Business Response

  Date: 07/16/2024

  Thank you for bringing this matter to our attention as we take these situations very seriously. After thorough review of our system, we do not have a consumer by this name in our database. Moreover, we do not have a client we service with the name of Geico. Finally, our office is Associated Credit Services, Inc. and not the name the consumer claims of the agency reporting on their credit. We believe the consumer filed this complaint against the wrong company. 

• Initial Complaint

  Date:07/08/2024

  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.

  When I received my credit report last week, I was afraid to discover that there were addresses on my credit report that I never resided, accounts that I have no knowledge, unauthorized inquiries, and even variations of my name like **********************, *********************. I may have been a victim of identity theft so I am reporting this. I have contacted the creditors to make them know of the breach but they are requesting that I fill out a full Packet to show cause in order for them to cease reporting to my credit due to this identity theft. I also found these accounts that I believe not mine:Acct name: ASSOC ******************************************* (Original Creditor: SIX FLAGS THEME PARKS)acct no. 1839****date opened 05/01/2023 balance $581.00 Acct name: ASSOC ******************************************* (Original Creditor: SIX FLAGS THEME PARKS)acct no. 1839****date opened 05/01/2023 balance $125.00 I am not liable for these debts and I do not have a contract with:Company: ASSOC CREDIT SERVICES Address: ****************************************************************** Tel No: ************** Police Report and FTC Affidavit are attached with this complaint together with dispute letter sent to the bureaus and the authorization for release of information. I also filed complaints thru CFPB. Please delete these accounts from my ********************** report at once. Any questions or concerns I can be reached at ************************************** and email at [email protected] need a response from the company.

  

  Business Response

  Date: 07/09/2024

  Thank you for bringing this matter to our attention as we take these situations very seriously. On 5/4/2023 our client Six Flags placed an account for collection for the consumer. However, as of 6/7/2024 our office has closed the account and returned it back to *********. The account is in the process of having all credit reporting removed from all 3 bureaus. Our transmission to all 3 bureaus to remove the tradelines was sent on 6/17/24. We are currently waiting on the bureaus to perform the removal. 

• Initial Complaint

  Date:07/03/2024

  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 National Grid NE. I do not have a contact with Associated Credit SE, they did not provide me with the original contract as I requested.

  

  Business Response

  Date: 07/08/2024

  Thank you for bringing this matter to our attention as we take these situations very seriously. On 5-1-2024 our client National Grid placed an account with our office for collection for the consumer. Based on this complaint our office will place the account on hold and request full validation of debt from National Grid. Once we receive the validation 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 National Grid. 

  Customer Answer

  Date: 07/15/2024

  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,

  ******

   

   

  

  Business Response

  Date: 07/18/2024

  The consumer's rejection to our response was, "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." Our office is not entirely sure how to reply to this except that we completely agree. 

• Initial Complaint

  Date:07/02/2024

  Type:Customer Service 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 Associated Credit Services, Inc., I do not have a contract with Associated Credit Services, Inc., they did not provide me with the original contract as I requested.

  

  Business Response

  Date: 07/03/2024

  Thank you for bringing this matter to our attention as we take these situations very seriously. On 12-5-23 our client National Grid placed an account with our office for collection for the consumer. This complaint is the first communication we have received from the consumer on this matter. Based on this complaint our office is putting the account on hold and requesting full validation of debt from national Grid. Once received our office will immediately send it to the consumer. As related to credit reporting, all credit reporting is performed at the specific direction of National grid. 

  Customer Answer

  Date: 07/03/2024

  [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:07/01/2024

  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.

  Ready refresh stated I no longer owe any money to them and that this company should have stopped contacting me within 14 days after they sent the their collection team the information. Yet this company is still contacting me

  

  Business Response

  Date: 07/02/2024

  Thank you for bringing this matter to our attention as we take these situations very seriously. On 6/4/2024 our client Ready Refresh placed 2 accounts (one for the cooler and one for water charge) for collections with our office for the consumer. To date we have not been notified the accounts are resolved. As a result of this complaint we are closing the accounts as cease and desist and we will immediately contact Ready Refresh to confirm resolution. 

• Initial Complaint

  Date:06/17/2024

  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 received a copy of my credit reports and I am writing to dispute the following information that appears on reports.Please verify or remove immediately the following account:ASSOC **************************************************** I never had a contract with this debt collector for any debt.Please provide proof from the original creditor that this debt belongs to me, and that this debt collector owns this debt and has the legal authority to collect it or delete this account.I am not liable for this debt with NATIONAL GRID NY. I do not have a contract with ASSOC CREDIT SERVICES the collection agency. They did not provide me with the original contract as is required. I demand this account (acc # ********* to be investigated and removed from my credit report, within all three Credit ****************** (Equifax, Experian, TransUnion). By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor cannot verify. I understand that under 15 U.S.C. Sec. 1681i(a), you must complete this reinvestigation within 30 days of receipt of this letter. If you cannot verify it within 30 days, you are obligated by law to remove the account.I am well aware of my rights under the Fair Debt Collection Practices Act (FDCPA) and my state laws so I am requesting for your company to permanently delete the following account:ASSOC ****************************************************

  

  Business Response

  Date: 06/18/2024

  Thank you for bringing this matter to our attention as we take these situations very seriously. on 4-1-24 our client and the owner of the debt National Grid placed an account with our office for collection for the consumer. This complaint is the first communication our office has received from the consumer. We will place the account on hold, and we will be happy to request full validation of the debt from National Grid and as soon as we receive it, we will immediately forward it to the consumer. As relates to credit reporting, all credit reporting is performed at the specific direction of National Grid.