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:11/29/2023

  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 fraudulent debt collection from Associated Credit Services in the mail. It was a debt that belonged to someone else who kept utilities in my name after I moved out. I called to file a dispute several weeks ago and was told a Supervisor ****************** would get back to me. After 4 emails and several phone calls speaking to several agents, I have been given zero information regarding my dispute. They do not respond to time sensitive inquiries that could be affecting people's credit scores. I truly believe that this company is fraudulent and a scam.

  

  Business Response

  Date: 11/30/2023

  Thank you for bringing this matter to our attention as we take these situations very seriously. Our client *********************** placed an account with our office for collection on 10-23-23. On 11-22-23 the consumer spoke to a representative from our office and disputed the debt. In turn we have placed the account on hold and requested Validation of the Debt from our client. We received that Validation of Debt and mailed it to the consumer. Based on this complaint Associated Credit Services is closing the account as disputed and returning it back to ***********************. It is critical to note that what *********************** does with the account ************* back to them is completely out of Associated Credit Services control as the client is the original creditor and has sole rights to the account. 

  Customer Answer

  Date: 12/01/2023

  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:11/20/2023

  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.

  Hello, I received a text message from Associated Credit Services =(ACS) Debt Collector stating that i had an unpaid balance with ******** The only way to communicate with them outside of a phone call is via their website portal. I sent them information via the portal stating this and followed up via phone call ***************) to requesting confirmation and they said they are not able to send me anything in writing for proof of paper trail. I asked for a copy of the recording for confirmation and they state that they can't do that. The name of the supervisor I spoke with is ***************************** and is she provided this email ************************ I have never received mail or an email notifying me of this except for the text message. I have never had an account with ******** I called ******* ***************) and spoke to a ****** on 11/20 who told me there is no record of me ever having an account there.I am concerned this will affect my credit and want to report this to the BBB to look into.

  

  Business Response

  Date: 11/21/2023

  Thank you for bringing this matter to our attention as we take these situations very seriously. Our client ******* NA placed an account for the consumer for collections with our office on 8-25-23. Our office immediately sent our first notice (Model Validation Notice) to the consumer. Unfortunately,our letter was returned as returned mail from the post office. When the consumer called our office we attempted to update the correct address in order to send Verification of the Debt. Unfortunately the consumer refused. Moreover,the consumer did not provide any address within this complaint. They left the fields blank. It is critical to note that Associated Credit Services do not email to a corporate email address for a consumer. We only email to standard consumer email addresses (Yahoo, ******************** etc). Also the consumer states they have filed a police report for fraud. We would request a copy of that filing to provide to our client ******* NA. Lastly, we have requested full Validation of the Debt from ******* NA. Once we receive that validation we would be happy to provide that to the consumer. However, the consumer refused to provide their address to send the validation of debt to. If the consumer provides a valid address we will send the validation of debt as soon as we receive it. 

  Customer Answer

  Date: 11/21/2023

  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. 

  Hello, 

  I have never received a letter, only a text message on 9/22, i have a copy of the text if needed. The online portal form was filled out on October 18th, it states on the site that it may take up to one full business day to process. The portal did not request an address; therefore, those fields could not have been left out. I have a screenshot of the information submitted on the 18th. I will attach a blank copy of what I filled out so that you can see what the required fields are. I did include my direct phone number and the case number per the instructions given. 

  As i have told them, I have never had an an account with ******** the company they are saying i have an outstanding balance with. I have had identity fraud attempts and did fill out a police report in 2022. The case number I received from the police department was submitted via the online portal per the instructions on the site, it does not request an mailing address, only the reference number. I went ahead and included my direct contact information in the message.

  Even though their site claims it takes one business day to process, I did not hear anything back until I took the initiative to call back yesterday 11/20. I was told that there is no information they can send to me to confirm it was received nor could they provide a copy of the recordings. I call them a total of three times yesterday 11/20.

  The first time i was disconnected. The second i spoke to an agent who transferred me to the supervisor *********, ************************ She told me there was nothing she could provide, that I had no rights to request any of this information that shes ever heard of and that i was welcome to call ******* to verify the debt with them. I took the liberty of searching *************** website and found the number to call about fraudulent concerns ***************). I'll add the screenshot here as an attachment. The lady I spoke to 11/20 confirmed i have never had any account our outstanding amount due there. She advised me to contact the BBB with all of this information as well. 

  I called ACS back after my phone call with ******* to relay them this information (my third call to them 11/20) and a lady I spoke with said that ********* was no longer available for the day, I relayed her all of the information ******* told me and told her to please have ********* call me to discuss. She also offered to send me the itemized invoice of whatever they had in their system, and she confirmed the mailing address she had on file was correct (which in their response they are saying they dont have a correct address) . They state at the beginning of the call that all calls are recorded for quality purposes, i am sure that all calls can be pulled to review the accuracy of events as needed. 

  In this BBB response from the company, this is the first time i have been asked for a copy of the police report. I will attach it here to fulfill the request and so i have a Papertrail. 

  Legitimates businesses should practice good commutation and be transparent to what is needed and to provide the customer with information requested in relation to the incident.  

   

  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,

  Karima

   

   

  

  Business Response

  Date: 01/19/2024

  Associated Credit Services is still awaiting the validation of debt from ******* NA. Once we receive the validation we will be forwarding to the consumer. The account remains on hold in our office and will remain so until we are able to provide the consumer proper validation of the debt. 

• Initial Complaint

  Date:11/17/2023

  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 DEBT WITH NATIONAL GRID. I DO NOT HAVE A CONTRACT WITH ASSOCIATED CREDIT SERVICES. THEY DID NOT PROVIDE ME WITH THE ORIGINAL CONTRACT AS REQUESTED.

  

  Business Response

  Date: 11/20/2023

  Thank you for bringing this matter to our attention as we take these situations very seriously. Our client National Grid placed an account for the customer for collection to our office on *******. On 7-10-23 the consumer disputed the account through Experian. At that time Validation of Debt was sent to the consumer. A copy of the Validation of Debt has been uploaded with this response. On 11-6-23 National Grid closed and recalled the account from our office. Associated Credit Services is no longer pursuing the account on behalf of National Grid. Any credit reporting by Associated Credit Services will be removed.  Any future inquiries will need to be made directly to National Grid. 

• Initial Complaint

  Date:11/11/2023

  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 have no record of entering into any contract or incurring debt with therefore not liable to Associated Credit Services Incorporated, and they have not furnished any information verifying the existence of such a debt from their company.

  

  Business Response

  Date: 11/13/2023

  Thank you for bringing this matter to our attention as we take these situations very seriously. Our client *********** placed an account with our office for collection on 4-18-23. Though many efforts were made to contact the consumer by our office we were unsuccessful. However, on 11-2-23 *********** closed the account with our office and recalled it back to the bank. As a result of this action Associated Credit Service is no longer pursuing the consumer. Any further inquiries should be directed to ***********. 

• Initial Complaint

  Date:11/08/2023

  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 NATIONAL GRID. I do not have a contract with national recovery agency, they did not provide me with the original contract as requested

  

  Business Response

  Date: 11/09/2023

  Thank you for bringing this matter to our attention as we take these situations very seriously. Our client National Grid placed an account for collection with our office on 6-8-23 for a final bill for services rendered through 8-1-22. Based on the complaint above, ACS is placing a hold on collection activity, requesting the full Validation of Debt including itemizations from National Grid and coding the account as disputed until Validation of Debt is sent to the consumer. Once we receive the Validation of Debt from National Grid ACS will immediately send to the consumer. 

• Initial Complaint

  Date:11/07/2023

  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. I do not have a contract with agreement or any other agreements for that matter. I have asked for an original contract which they have failed to provide, therefore they must delete this account with all ********************** bureaus that they are currently reporting this account to.

  

  Business Response

  Date: 11/08/2023

  Thank you for bringing this matter to our attention as we take these situations very seriously. Our client National Grid placed an account for collection for the final bill for services rendered to the consumer for collection on 9-1-23. Based on this complaint and an identical one filed with the **** we have requested full validation of the debt from National Grid. Once we receive the full validation and itemization from National Grid we will immediately send directly to the consumer. we have placed a hold on the consumers account in our office and have coded the account as disputed until the validation of debt is sent to the consumer. 

  Customer Answer

  Date: 11/08/2023

  [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:10/25/2023

  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 Services, Inc. I donot have a contract with Associated Credit Services, Inc. They did not provide me with the original contract that was requested

  

  Business Response

  Date: 10/27/2023

  Thank you for bringing this matter to our attention as we take these situations very seriously. Our client National Grid placed an account for collections with our office on 7-3-23. Based on the consumers complaint we have placed the account on hold (no collection activity) and requested National Grid provide full validation of the debt to our office. Once received, our office will immediately send said validation to the consumer. Additionally, we would be happy to upload a copy of the validation of debt to this site as well. 

• Initial Complaint

  Date:10/23/2023

  Type:Service or Repair 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.

  On October 19, 2023, I received a letter from 'Associated Credit Services ***** stating that ******** N.A. authorized them to satisfy a debt for 60% of the balance due. They are advising me to send them a fund for $2058.22 by December 03, 2023. I do not have any responsibility for the debt Associated Credit Services **** trying to collect. I need to find out who this company is and why ******* has debt that I do ever not recall having. This debt is not mine, ( I maybe a victim of Identify theft). I am disputing this debt and asking the 'Associated Credit Services, **** collection company to provide me with everything they have from ******* about this alleged debt and copy of all the letter that was sent to me to address this sooner. Prior to receiving this letter, I did not receive any written notice sent as the initial communication from ******* and or Associated Credit Services, Inc.

  

  Business Response

  Date: 10/27/2023

  Thank you for bringing this matter to our attention as we take these situations very seriously. Our client ******* NA placed an account for collection with our office on 08-30-23. Based on the consumer's complaint above we have placed the account on hold (no collection activity) and requested from ******* NA ON 10-24-23 to provide full validation of the debt, that upon receipt, will be sent to the consumer. Additionally, we would be happy to upload a copy of the validation of debt documents to this site once received from ******* NA.  

  Customer Answer

  Date: 10/30/2023

  [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 #******** at this time. I understand that by choosing to accept the business response that my complaint will be closed as pending resolution. 
  
  Regards,
  
  *********************

• Initial Complaint

  Date:10/23/2023

  Type:Delivery 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 company has been harassing me through mail and phone calling me about a balance I dont owe.I had one delivery from them ONE time and they keep contacting me this is probably my 3rd complaint with the BBB as well and they still manage to send me bills and contact me who do I have to escalate this issue to if the BBB cant take care of it???

  

  Business Response

  Date: 10/24/2023

  Thank you for bringing this matter to our attention as we take these situations very seriously. As you can see from the attached document uploaded by the consumer. Our client Ready Refresh placed an account with our office for collection of a past due/charged off debt. Due to the consumer demanding no further contact Associated Credit Services will close the account as a cease and desist. However, it is critical to note that this does not make the amount owed to Ready Refresh go away. All this means is that Associated Credit Services is not pursuing the consumer on behalf of Ready Refresh. What Ready Refresh does with the account going forward is now out of the hands of Associated Credit Services. 

  Customer Answer

  Date: 10/24/2023

  [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:10/08/2023

  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. I do not have a contract with the collection agency attempting to collect a payment. They did not provide me with the original contract as requested.

  

  Business Response

  Date: 10/09/2023

  Thank you for bringing this matter to our attention as we take these matters very seriously. This account has been closed in our office as disputed and returned to our client National Grid. Ant credit reporting that *** have been performed on National Grid's behalf by Associated Credit Services will be removed.

  Customer Answer

  Date: 10/10/2023

  [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,
  
  *************************