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:06/16/2024

  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, 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: 06/17/2024

  Thank you for bringing this matter to our attention as we take these situations very seriously. On 2-12-24 our client National Grid placed an account for collections for the consumer. Until this complaint we have never spoken to or received any correspondence from the consumer. Based on this complaint we are placing the account on hold and requesting validation of debt from National Grid. Upon receipt of 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: 06/17/2024

  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 # ********.

  I am not liable for this debt with National Grid. I do not have a contract with associate credit services, my only resolution is to have this corrected on my credit report, and I demand this account be removed from credit report

  
  Regards,

  ******

   

   

  

  Business Response

  Date: 06/26/2024

  On 6/20/2024 our office sent the validation of debt to the consumer as promised. This account is for the final bill for ************** Once the consumer receives the validation of debt if they still claim they do not have an account with National Grid, the consumer will need to contact National Grid directly. Associated Credit Services is not a debt buyer. We work directly with the original creditor, in this case National Grid. Any cancellation of the debt would have to be performed by National Grid. Additionally, all credit reporting is performed at the specific direction of National Grid. 

  Customer Answer

  Date: 07/01/2024

  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. 

  the burden of proof falls on the collection agency not the consumer (me)I. I find it concerning that ASSOC CREDIT SERVICES, is not complying with legal requests.
  I request ASSOC CREDIT SERVICES provide proof they sent debt validation,as is my legal right. If ASSOC CREDIT SERVICES cannot provide proof, I demand this account be removed from my credit report as is my right per FCRA section
  623.(a)(). This is my last request before I file a formal complaint with the **** and the FTC.
   
  
  
  Regards,

  ******

   

   

• Initial Complaint

  Date:06/13/2024

  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 with National Grid. I do not have a contract with the collection agency trying to collect on this debt and report on my credit report. I did not sign any agreement with them. They did not provide me with the original contract.

  

  Business Response

  Date: 06/14/2024

  Thank you for bringing this matter to our attention as we take these situations very seriously. On 3/13/2024 our client National Grid placed an account for collection with our office. On 3/16/2024 our office spoke to the consumer via phone. The consumer acknowledged owing the debt and a payment plan was discuss as well as a possible settlement. During this call the consumer wanted to know when the account would be reported to the credit bureaus. Our office advised that ***** days after placement National Grid specifically directs our office to report the debt to the bureaus. The consumer stated she would look into the settlement and of she did not choose that option she would make monthly payments. On 4/26/2024 our office follow up with the consumer in relation to her decision on repayment. Once again, a payment plan was discussed as well as the settlement option. The consumer again asked when the credit reporting would commence. The timeframe was reiterated to the consumer, and she agreed that she would call us back to set up arrangements to repay. We have not received any reply from the consumer until the filing of this complaint which happened to coincide with the start of the National Grid directed credit reporting. It is puzzling that after acknowledging the debt several times and the consumer's agreement to repayment of the debt, that the consumer now states she does not have an account with National Grid. Based on this complaint our office will request Validation of Debt from National Grid and immediately send it to the consumer. 

• Initial Complaint

  Date:05/18/2024

  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.

  Associated credit services is a false debt on my credit report and Is in violation of the fdcpa. The original creditor is UNITIL who I paid directly. I do not owe Associated credit services. I demand you show proof I owe you the debt, cease and demand all communication with me and all third parties including equifax, transunion and experian. I demand you move the tradeline from all credit reporting agencies now. You are causing me financial hardship as this affecting from taking out a loan.

  

  Business Response

  Date: 05/20/2024

  Thank you for bringing this matter to our attention as we take these situations very seriously. On 3-14-24 our client Unitil placed an account with our office for collection for the consumer. Until this complaint we have received no communication from the consumer. All credit reporting is performed at the specific direction of the owner of the debt and original creditor Unitil. Based on this complaint we are putting the account on hold and requestion full validation of debt from Unitil. Once we send the validation of debt to the consumer we will be closing the account as ***** and Desist. 

  Customer Answer

  Date: 05/20/2024

  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. 

  I have uploaded a screenshot of the payment that I made to Unitil. Once again I am demanding immediate cease and desist of all communication and removal of the tradeline amongst all credit reporting agencies today. As you causing me financial hardship. Please keep in mind that you are under the same arbitration clause as Unitil and I will pursue arbitration immediately if this isn't resolved by end of 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,

  Akeem

   

   

  

  Business Response

  Date: 05/30/2024

  On 5-22-24 Unitil notified our office that the account is now paid in full. All collection activity has ceased. All credit bureaus will be updated. 

• Initial Complaint

  Date:05/14/2024

  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 am not aware of this account. I have reached out to 3 credit bureaus and ASSOCIATED CREDIT SERVICES to have this account removed from my file and they always say the same excuse, which is no longer acceptable. I have filed an FTC complaint because I believed this is an outcome of identity Theft. Regardless of all actions done on my end, there was no action from 3 Bureaus. Thus, I am reaching out to seek assistance to have ASSOCIATED CREDIT SERVICES that I have no account with them and 3 credit bureaus can simply remove it from my credit.

  

  Business Response

  Date: 05/15/2024

  Thank you for brining this matter to our attention as we take these situations very seriously. On 2-13-24 our client National Grid -NY placed an account with our office for collection for the consumer. Our office immediately sent the consumer our MVN (model validation notice). Our office has had no communication with the consumer until 5-14-24 when we received a letter (attached to this complaint) from the consumer demanding we cease all communications with the exception of **** mail. At no time have we received any indication that the account in question is disputed. As a result of this complaint we will put the account on hold and obtain validation of debt from National Grid-NY. Once we receive that 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-NY (the owner of the debt and original creditor).

   

• Initial Complaint

  Date:05/10/2024

  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 the debt to 01 SIX FLAGS THEME PARKS. I do not have a contract with ASSOC CRDIT & never received one after i requested for one.

  

  Business Response

  Date: 05/10/2024

  Thank you for bringing this matter to our attention as we take these situations very seriously. On 7/4/2023 our client Six Flags Magic Mountain placed an account with our office for collection for the consumer. To date this complaint is the first communication we have received from the consumer. As a result of this complaint, we will put the account on hold and will be requesting full validation of debt from our client Six Flags and will immediately send to the consumer. Please note that all credit reporting performed is at the specific direction of Six Flags Theme Parks. 

• Initial Complaint

  Date:05/03/2024

  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 responding to your contact about a debt you are trying to collect. You contacted me by mail, and identified an alleged debt of $4251 on my credit reports with the account number of ********. You didn't supply the information below so that I can be fully informed:Such as things like why you think I owe the debt including:verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, you didn't provide a copy of the written agreement that created my original requirement to pay. Keep in mind a printed statement isn't proof to validate a debt ****** financial llc vs ******) (FRE) Rule 602.I never contracted with you. I demand you to cease and desist all communication with me and all third parties including the CRAs consumer reporting agencies and remove the account from all ********************** reporting agencies before I seek arbitration for violation of the ****** Keep in mind that whatever false information you bought containing my information binds you to the arbitration clause of that company and I will not hesitate to go into arbitration.

  

  Business Response

  Date: 05/08/2024

  Thank you for submitting your concerns to Associated Credit Services, Inc.  We received your initial request for validation on 4/5/24 through your Equifax dispute and mailed this to you on 4/17/24. Due to your request for a cease and desist, we have closed your file in our office and have returned it to the original creditor; any further questions surrounding this matter will need to be directed to them. We have also submitted the request to have the tradeline deleted from your consumer credit reports. Please allow up to 90 days for this deletion to reflect.  

  Customer Answer

  Date: 05/08/2024

  
  
  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:05/01/2024

  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 six flags theme park. I do not have a contract with associated credit services. They did not provide me with the contract as originally requested.

  

  Business Response

  Date: 05/09/2024

  Thank you for submitting your concerns to Associated Credit Services, Inc. As previously requested by you, validation was emailed to you on 4/18/24 to the email you provided. Due to your continued dispute, we have closed your file in our office and have returned it to the original creditor. Please contact them with any further questions or concerns, as closure here does not negate any responsibility you may have with them. In addition, the deletion request has been sent to the consumer credit reporting agencies. Please allow up to 90 days for the deletion to reflect.

  Customer Answer

  Date: 05/13/2024

  [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.  I agree that I do not owe debt with ACS and it will be removed from my account. 
  
  Regards,
  
  *************************

• Initial Complaint

  Date:04/12/2024

  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 am not aware of this account. I have reached out to 3 credit bureaus and ASSOC CREDIT SERVICES to have this account removed from my file and they always say the same excuse, which is no longer acceptable. I have filed an FTC complaint because I believed this is an outcome of identity Theft. Regardless of all actions done on my end, there was no action from 3 Bureaus. Thus, I am reaching out to seek assistance to have ASSOC CREDIT SERVICES that I have no account with them and 3 credit bureaus can simply remove it from my credit.

  

  Business Response

  Date: 04/17/2024

  Thank you for bringing this matter to our attention as we take these situations very seriously. This consumer also filed a **** complaint today. The following is the response we sent to the ***** The documents referenced in the below response are related to the documents the consumer uploaded to the **** portal. "On 1-2-24 our client (owner of the debt and original creditor) National Grid NY placed an account with our office for collection for the consumer. To date our office has not spoken to nor received any correspondence from the consumer. This complaint is the first communication we have received from the consumer. Commenting on the documents the consumer uploaded: The bill from Spectrum is for cable television services. National grid is a gas and electric provider. The *** identity theft report is a assertion that our company stole his identity as a result of the National grid account. The form states nothing about any other report of identity theft. As relates to credit reporting, all credit reporting is performed at the specific direction of National Grid (original creditor). Addressing the letter from the consumer to Associated Credit Services attached to this complaint, once we request full validation of the debt from National Grid we will immediately send the verification of debt to the consumer. Once that occurs, we will be closing the account as a cease and desist and returning it back to National Grid. Once that happens, what National grid does with the account is completely out of Associated Credit Services control."

• Initial Complaint

  Date:03/21/2024

  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.

  This is regarding a bill that was overinflated in charge from a utility company named NATIONAL grid. I have been in a voracious custody battle of my special needs child and was unable to pay the original bill and they estimated the bill inflating the end balance unethically. This company mentioned if I don't pay the bill in full I will never be able to put a heat utility bill in my name in the state of NY ever again. They mentioned National Grid s rules not theirs and when I called National Grid to mentione this they said this is not there policy. I also said I wanted a deduction in the bill and they said this is something I need to take up with Assoxiated Credit Services. They are sending me in a circle . I need to know if the bill can be reduced to what it needs to be reduced to or stripened in a payment plan to close. They did not give me any options. These AGGRESSIVE tactics done by this company is vile and destroys lives. The last time I spoke with someone she said she would get back to me a supervisor to officially tell me that I would not be prevented to open an account because I payed the settlement amount vs the estimated one. No calls and to add insult to injury they put this on my credit report and destroyed my credit. The resolution I am seeking is a settle meant amount and a reduction in the bill that is not a correct ESTIMATE. No one read the meter back in the day no one.

  

  Business Response

  Date: 03/22/2024

  Thank you for bringing this matter to our attention as we take these matters very seriously. On 9-1-23 our client National Grid placed an account for collection with our office for the consumer. On 2/27/24 the consumer called into our office and spoke to a representative about her concerns. After that call our office closed the account and returned it back to National Grid. When we closed the account an update was sent to the credit bureaus that removed the tradelines entirely. Any and all future inquiries regarding the consumers outstanding balance must be directed to National Grid directly.  

  Customer Answer

  Date: 03/22/2024

  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.]
  I would like to keep this open as I called NAT Grid and they mentioned that I have to go to the Credit agency. I will reach out to NAT GRID AGAIN (in the next couple of weeks) and see if this is the response I get this time. Please keep the case open.The fact that this company used tactics to tell me that I can never get gas service from this provider ever again unless I pay in full vs a payment plan has left such a bad taste in my mouth. Companies like these should be constantly monitored by the BBB on pure ethics alone. They destroyed my credit intentionally vs trying to resolve this in kind. Thank you for your cooperation.
  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: 03/25/2024

  Please be advised that Associated Credit Services has closed the account and returned it to our client National Grid-NY. All credit reporting performed by our office has been done at the specific direction of National Grid. Once the account was closed by our office all credit tradelines were removed from all 3 bureaus. Additionally, Associated Credit Services, Inc. is not a debt buyer and in this matter we were working for the original creditor and owner of the debt. When our office spoke to this consumer when discussing a potential settlement, we were required by National Grid to notify the consumer that it is their policy (National Grid) that if an account pays less than the total amount due in a reduction it is National Grid policy that there is no guarantee new service may be provided to the consumer. Due to our office closing and returning the account to National Grid all future inquiries should be directed to National Grid directly.  

• Initial Complaint

  Date:03/15/2024

  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 with SIX FLAGS THEME PARKS . 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: 03/18/2024

  Thank you for bringing this matter to our attention as we take these situations very seriously. on 5-4-23 our client Six Flags Theme Parks placed an account for collection with our office for the consumer. Based on this complaint we have placed the account on hold and are requesting validation of the debt from Six Flags Theme Parks. Once we receive the validation of debt we will immediately send it to the consumer. Additionally, all credit reporting is performed at the specific direction of Six Flags Theme Parks as they are the owner of the debt and original creditor.

  Customer Answer

  Date: 03/18/2024

  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. 

  My answer again is this account is not mines and I am not liable to pay a debt with six flags theme park nor do I have a contract with associated collection services. Please delete your company off my credit report immediately.]
  
  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: 03/19/2024

  As stated previously we have contacted our client Six Flags Theme Parks (**********************) to obtain verification of the debt for the consumer. Attached is the Verification of Debt that was provided by Six Flags today. It includes the contract as well as all the terms and conditions of the membership agreement.Please read the terms and conditions carefully especially the Miscellaneoussection. That section passes authorization to contact the consumer to a third-party debt collector or attorney. All credit reporting is performed at the specific direction of Six Flags Theme Parks. If you would like to resolve this debt, please contact our office and we will be happy to work with you. 

  Customer Answer

  Date: 03/20/2024

  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 once again it is not my debt to pay 

  
  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,

  ******