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:03/14/2024

  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 park. I do not have a contract with this company Assoc Credit Services thats is reporting this to my credit report. They did not provide me with the original contract as requested.

  

  Business Response

  Date: 03/14/2024

  Thank you for brining this matter to our attention as we take these situations very seriously. Our client Six Flags Theme Parks placed an account for the consumer with our office for collection on 10-24-23. To date we have not spoken to or received, any correspondence from the consumer until this complaint. Any and all credit reporting performed on this account is at the specific direction of Six Flags Theme Parks.  This is the first we have been made aware the consumer claims they do not have a contract with Six Flags. based on this complaint we are p[lacing the account on hold and will request full validation of the debt and immediately send it to the consumer. 

• Initial Complaint

  Date:02/29/2024

  Type:Sales and Advertising 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.

  THIS ALLEGED DEBT WAS WITH ANOTHER COMPANY WHICH IS FRAUDULENT REPORTED. DELETE FROM MY CREDIT, NEVER HAD NTL GRID ALLEDGED ACCOUNT WITH $1306. . I demand that this be deleted from my credit report effective today as I do not recognized this account, no knowledge and no prior contractual obligations with this company. You violated my rights rights under 15 USC codes sections 1692 d, e f g of FCRA/*****. Remove from my credit report. You violated 1692d of the ***** by engaging in conduct that the natural consequences of which was to harass, oppress, and abuse client in connection with the collection of an alleged debt and the collection letter you sent me which contains veiled and empty threats of legal action;You violated 1692e of the ***** by its use of any false, deceptive, or misleading representation or means in connection with the collection of any debt when you engaged in, at least, the following discrete violations of 1692e;You violated 1692e(2)(A) of the ***** with its false representation of the character, amount, or legal status of any debt and the collection letter you sent me which contains veiled threats of legal action against me, the client;You violated 1692e(5) of the ***** by its threat to take any action that cannot legally be taken or that is not intended to be taken when you sent me the collection letter contains veiled threats of legal action against me, the client;You violated 1692g(b) of the ***** by engaging in collection activities that overshadowed or was inconsistent with the disclosure of the consumers right to dispute the debt with the language it used in the Collection Letter; andYou violated 1692f of the ***** by its use of unfair or unconscionable means to collect or attempt to collect any debt when you engaged in all of the misconduct alleged herein.As a result of the foregoing violations of the ***** on this matter, I demand an immediate deletion of this account from all ********************** reporting agency.

  

  Business Response

  Date: 03/01/2024

  Thank you for brining this matter to our attention as we take these situations very seriously. Our client National Grid placed an account for the consumer for collection with our office on 11-29-23. our office has never spoken to this consumer and we have to date only sent one notice to the consumer which is our first notice that is an exact copy of what the **** and FTC call the "Model Validation Notice". Its contents are verbatim what these government entities dictate the letter must be. A copy of this letter sent to the consumer is attached. Based on this complaint we are going to close the account and return it to our client National Grid. This will trigger the removal of the tradelines that have been reported to ***********. However, it is critical to note as the original creditor, what national Grid does with the account after we return it is completely out of our control. 

• Initial Complaint

  Date:02/28/2024

  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 01 six flags theme parks , i do not have a contract with associated credit service, they did not provide me with the original contract as i requested.

  

  Business Response

  Date: 02/28/2024

  Thank you for bringing this matter to our attention as we take these situations very seriously. Our client Six Flags placed 2 accounts with our office for collection for the consumer on 12-12-23. Based on the consumers complaint we have put the accounts on hold and have requested full Verification of Debt from Six Flags. Once we receive the validation of debt from our client we will immediately send to the consumer. 

  Customer Answer

  Date: 02/28/2024

  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,

  Marco

   

   

• Initial Complaint

  Date:02/26/2024

  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.

  In January I filed a complaint against APS. Complaint # ********. APS claimed I owed ****** for medical bills. The issue was resolved on the previous complaint Listed above. Today I receive a bill from Associated credit services for the same alleged bill. I want to remind you I have never received a hospital bill for services and all of a sudden they send collections after me. As stated this was resolved once already when APS claimed I owed them the same bill. If they continue, I will take legal action.

  

  Business Response

  Date: 02/27/2024

  Thank you for brining this matter to our attention as we take these situations very seriously. Based on the complaint above we have closed the account in our office and returned it to ************************ Physicians. Any future inquiries should be directed to ************************ Physicians directly. 

  Customer Answer

  Date: 02/27/2024

  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 cant view the file provided and this is why I am not satisfied. 

  Mark 2/27/2024
  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,

  Mark

   

   

  

  Business Response

  Date: 02/27/2024

  We did not upload a file. the response is in writing above. 

  Customer Answer

  Date: 02/27/2024

  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 just got off the phone with these people and for the second time, once from the previous and now, they dont have an account with my bill but they insist on sending me bills as youve seen. I want them to secce and desisted immediately or I will *** them. 
  
  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,

  Mark

   

   

  

  Business Response

  Date: 03/04/2024

  As stated above we have closed the account and returned it back to *****. Associated Credit Services is no longer pursuing the account on behalf of *****. All inquiries should be directed to ***** directly.

   

• Initial Complaint

  Date:02/10/2024

  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 charter communications, I do not have a contract with ASSOCIATED CREDIT SERVICES *** they did not provide me with an original contract as I requested.

  

  Business Response

  Date: 02/12/2024

  Thank you for brining this matter to our attention as we take these situations very seriously. Associated Credit Services does not have an account for this consumer related to ******* Communications. ******* Communications is not a client of our company. We believe the consumer has our company confused with another company. 

  Customer Answer

  Date: 02/12/2024

  I attended a screenshot of my credit report that this collection company is asking me for 992$ for a payment that Im not responsible for.. or have no legal signature of this charge . I did not confuse the company because the same phone number the credit report provided it is the same phone number this company have. I really want this charg to be removed from my credit report 
  
  Regards,
  
  ******** Viciere

• Initial Complaint

  Date:02/06/2024

  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 this debt with Six Flags. I do not have a contract with the collections agency ASSOC CREDIT SERVICES. They did not provide me with the original contract as I requested

  

  Business Response

  Date: 02/07/2024

  Thank you for bringing this matter to our attention as we take these situations very seriously. Our client Six Flags Theme Parks placed an account for collection with our office on 6-12-23. We have never spoken to this customer and this complaint is the first communication we have received from the consumer. Based on the complaint we have placed the account on hold and are contacting Six Flags Theme Parks for the validation of debt. Once we receive it we will immediately forward the validation of debt to the consumer. 

  Customer Answer

  Date: 02/07/2024

  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,

  ******

   

   

• Initial Complaint

  Date:02/05/2024

  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.

  My credit report listed a collection from a *************** stating that I opened an account with them National Grid in December 2023.This is fraud and I did not open an account with National Grid and I do not owe $526.

  

  Business Response

  Date: 02/05/2024

  Thank you for bringing this matter to our attention as we take these situations very seriously. On 12-1-23 our client National Grid placed an account with our office for collection. This afternoon the consumer called our office and spoke to one of our representatives. The consumer has asked for a copy of the bill/validation of debt. We have sent that request to National Grid and upon receipt of the requested documents we will be immediately sending over to the consumer. In the interim the account has been placed on hold in our office until we provide the consumer the validation of debt. 

  Customer Answer

  Date: 02/07/2024

  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 am writing to you because I was not able to navigate the system in regard to my BBB Complain # ********.
  
  
  I am not accepting the response because:
  
   
  
  (#1) - I directly contacted both the **************** National Grid and also the ******************** Associated Credit Services, Inc. and neither were able to provide me with a Bill proving that I owe the debt of $526.
  
   
  
  (#2) The **************** National Grid, explained that all of my current accounts are up-to-date.
  
   
  
  (#3) I provided the ******************** Associated Credit Services, Inc. with my direct phone number and my home address and also my email address and asked that they send me a copy of any debt incurred.  They agreed that they would, however, I have not heard from them as of this date (2/7/24).
  
   
  
  (#4) - I am still awaiting a bill of the stated debt.  The ******************** Associated Credit Services, Inc. stated that they do not have a bill currently but will attempt to get one from the **************** National Grid.
  
   
  
  (#5) In the meantime, there should not be any Collections placed on any of my Credit Reports until this issue is resolved.
  
   
  
  Best,
  
  ******************************* 

  

  Business Response

  Date: 02/07/2024

  As stated we have placed the account on hold. We have requested the Validation of Debt from National Grid on 2/5/24 and once we receive the documentation we will be immediately sending it to the consumer. As for credit reporting it has been suspended pending the validation of debt. 

• Initial Complaint

  Date:02/04/2024

  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, Inc. They did not provide me with the original contract as I requested.

  

  Business Response

  Date: 02/05/2024

  Thank you for bringing this matter to our attention as we take these situations very seriously. On 8-14-23 our client Six Flags Theme Parks placed an account for collection with our office. We have sent numerous notifications to the consumer and have had no contact from them until this complaint. We have placed the account on hold and are requesting the validation of debt from our client. Once we receive the validation of debt from Six Flags Theme Parks we will immediately send those documents to the consumer. 

  Customer Answer

  Date: 02/26/2024

  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,

  Noah

  Correction to my credit report, I demand this account be removed from credit report.
  

   

  

  Business Response

  Date: 02/27/2024

  As promised on 2-19-24 we received the Validation of Debt from our client Six Flags Theme Parks. We immediately emailed a copy and also sent a copy via **** mail to the consumer. Based on the Validation of Debt and Six Flags Theme Parks the amount owed is accurate, still outstanding and due. We have also uploaded a copy of the Validation of Debt to this complaint.  All credit reporting is performed at the specific direction of Six Flags Theme Parks. 

  Customer Answer

  Date: 03/03/2024

  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,

  Noah

   

   

• Initial Complaint

  Date:01/16/2024

  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.

  Two times in the past 90 days I have received a bill from Associated Credit Services, Inc. stating that as a debt collector they are attempting to collect $313.32 from me for an unpaid debt. No explanation of charges is offered. To my knowledge I have never incurred charges with ************** N.A. I sincerely believe this is fraudulent in nature and is an attempt to take advantage of me. I have not paid any money to them, nor do I intend to do so. My concern is they may fraudulently report this as an unpaid debt to the credit reporting bureaus without any validity to their claim.

  

  Business Response

  Date: 01/19/2024

  Thank you for bringing this matter to our attention as we take these situations very seriously. On 8-22-23 our client ************* NA placed an account for collections with our office. On 11-28-23 we received a web inquiry from the consumer requestion validation of the debt. Our office immediately put the account on hold and have requested the validation of debt from ************* NA. We are still awaiting the receipt of said validation. Upon receipt we will immediately send the validation of debt to the consumer. Until then the account will remain on hold in our office. 

• Initial Complaint

  Date:12/10/2023

  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 **** with ******* N.A., 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: 12/11/2023

  Thank you for bringing matter to our attention as we take these situations very seriously. Our client ******* NA placed an account with our office for this the consumer or collection on 1-18-23. This account was closed at our office and returned to ******* NA on 7-17-23. all credit reporting by Associated Credit Services was removed at that time. Any future inquiries will need to be directed to ******* NA directly.