Complaints

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:02/28/2024

  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 writing to express my grave concern about the disclosure of my personal information to credit bureaus, resulting in inaccuracies on my credit report. This situation has caused significant financial and emotional distress. As stated in 15 USC 1681 Section 602, I affirm my right to financial privacy and expect my information to be treated confidentially. Furthermore, 15 USC 1681 Section 604(a)(2) emphasizes that a consumer reporting agency cannot share account information without my explicit consent, which I have not provided. I have noticed discrepancies on my credit report attributed to ELECTRONIC BILLING & C, negatively impacting my financial situation. I urgently request the correction of these errors. Additionally, I wish to highlight 15 USC 1666(b), which prohibits creditors from treating credit card payments as late under specific circumstances. For your reference, my account information is as follows: Account Number: ************ I request a thorough review of my account, immediate rectification of credit report inaccuracies, and strict compliance with federal regulations governing my information. Failure to address these issues promptly may result in legal action. I appreciate your prompt attention to this matter. Sincerely, ****** ******

  

  Business Response

  Date: 02/28/2024

  Ms. ****** executed a contract with ***** ************ of Santa Monica, CA on August 10, 2017. This contract required Ms. ****** to make 12 payments of $490.00. (see attached contract). EBCS is the accounts receivable management company for ***** ************.

  
  Ms. ****** made two payments on the contract on 9/22/17 & 10/16/17.
  

  Ms. ****** called our office on 09/15/17 to request the first payment be moved because of hurricane Harvey. On 9/22/17 she called and instructed our office to debit the first payment, which was successful. The 10/16/17 payment was processed according to her normal payment schedule.
  

  Ms. ****** called our office on 11/14/17, stating she is having problems communicating with ***** ************ to complete the program. We gave her a courtesy of stopping her automatic payments until we heard from her. We never heard from Ms. ****** since this phone conversation.
  

  We have tried to reach Ms. ****** since 11/14/17 via phone calls, email notices, text messages and paper notices. Over 88 attempts have been made to resolve this account with Ms. ******. She has not responded to any of our communications.
  

  As to the allegation of her account appears on her credit report, the contract she signed clearly states on item #7 and #8 that we can communicate to the credit reporting agencies.
  

  This matter could have been easily resolved if Ms. ****** had responded to our attempts to contact her. Please have MS. ****** contact our office to resolve this matter.