Complaints

This profile includes complaints for LJ Ross Associates, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  LJ Ross Associates, Inc.

  Jackson, MI 49202-1455

  
• 

  LJ Ross Associates, Inc.

  PO Box 6099 Jackson, MI 49204

  

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:10/02/2024

  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.

  They sent an email with my CURRENT ADDRESS and information about a debt I have to THE WRONG EMAIL! They sent it to a person who places my life in danger and did not know where I was residing. Im highly upset that phone contact was attempted AFTER email correspondence. They never called to VERIFY THE CORRECT EMAIL! I want something done about this. Now.

  

  Business Response

  Date: 10/07/2024

  L J Ross Associates, Inc. (LJRA) has completed a full investigation into this complaint. Our investigation included reviewing our records and confirming the contact information provided to the original creditor with the original creditor. The original creditor confirmed that the email address provided as contact for the consumer was provided by the consumer to the original creditor as the correct email address for their billing purposes of their utility bill. The consumer did not contact the original creditor to have the email address removed from their utility bill record. Therefore, when the account was placed with LJRA for collection by the original creditor, they also provided the email address the consumer provided for their utility bill to our office. LJRA, in compliance with collection law, then emailed the required validation notice to the consumer to that email address. While LJRA sympathizes with the consumer and extends our concerns for their safety and well-being, we had no way of knowing that the supplied email address was not the correct contact information for the consumer. LJRA has since removed the email address from our records so no further information goes out on this account. LJRA has placed the consumer's account in a cease and desist disposition and will not send any further communications from our office, either by phone, postal mail, or email in an effort to help keep the consumer safe and avoid further conflict.  The consumer can contact our office to discuss account resolution options.

• Initial Complaint

  Date:09/20/2024

  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.

  They are claiming this is my account. This is not my account. They will not speak with me and prove this is my account. I need proof mailed to me that this is and was my account. I see the exact same complaints on here and you resolved those. You sent me an email saying you don't. This company is committing fraud. They have violated my rights.

  

  Business Response

  Date: 09/23/2024

  *** **** Associates****** (****) has completed a full investigation into this complaint. A review of our records finds that the consumer made a total of 3 payments on their account. Two accounts being made directly to the original creditor in March and May 2024. The consumer made their final payment directly to **** paying off their account on 8/12/2024.  The consumer attempted to communicate with our office via our chat option on our website on 8/30/2024, but it was outside of chat contact hours, therefore the chat was not responded to.  While LJRA denies all allegations of violation of law, violation of their rights, and "committing fraud" as the consumer alleges, **** has submitted a courtesy deletion file to the credit bureaus to delete the consumer's paid collection tradeline.  The consumer should understand that the credit bureaus can take up to 90 days to update their files and delete the tradeline.  The account is closed in our office due to the account being paid in full.

• Initial Complaint

  Date:05/24/2024

  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 *************** ASSOCIATES IN. I don't have a contract with the collection agency. They did not provide me with the original contract as requested.

  

  Business Response

  Date: 06/10/2024

  *************** Associates, **** (LJRA) is requesting removal of the complaint from the BBB's portal as this is not a complaint against LJRA or its actions.This is a request for validation that should be communicated directly with LJRA.  The BBB portal is not the proper communication portal for these requests.  LJRA will not respond with any account information via the BBB portal due to the public posting of BBB complaints and responses, and we will not disclose private information via a public source.  **** asks that the consumer contact our office directly to any further questions and/or account resolution options.  We are available Monday through Thursday from 8am to 7:30pm and Friday from 8am to 5:30pm EST.  Our toll free phone number is **************.  

• Initial Complaint

  Date:04/26/2024

  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 company has never once sent me any information about this supposed debt. I have never had any type of transaction with them. They continue to report this item and it has negatively impacted my credit and my ability to get a mortgage. Im asking that this be removed immediately, as I have disputed and requested documentation from them on more 5 occasions with no response.

  

  Business Response

  Date: 04/26/2024

  *************** Associates, **** (LJRA) will not respond with any account information via the BBB portal due to the public posting of BBB complaints and responses, and we will not disclose private information via a public source.  LJRA denies all claims of accused violations. LJRA requires more information from the consumer in order to research further. **** asks that the consumer contact our office directly to any further questions and/or account resolution options.  We are available Monday through Thursday from 8am to 7:30pm and Friday from 8am to 5:30pm EST.  Our toll free phone number is **************.  The consumer will be required to rescind their previous cease and desist order prior to **** being able to discuss this matter with them further, either verbally or in writing.

• Initial Complaint

  Date:04/11/2024

  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 have no known knowledge of this account

  

  Business Response

  Date: 04/22/2024

  Sent response *************** Associates, **** (LJRA) has completed a full investigation, and we are requesting removal of the complaint from the BBB's portal as this is not a complaint against LJRA or its actions.This is a request for validation that should be communicated directly with LJRA.  The BBB portal is not the proper communication portal for these requests. Also, the consumer has not provided enough information to confirm their identity for our company to process any requests. LJRA will not respond with any account information via the BBB portal due to the public posting of BBB complaints and responses, and we will not disclose private information via a public source.   **** asks that the consumer contact our office directly to any further questions and/or account resolution options.  We are available Monday through Thursday from 8am to 7:30pm and Friday from 8am to 5:30pm EST.  Our toll free phone number is **************.

• Initial Complaint

  Date:04/11/2024

  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.

  Complaint Against LJ Ross Associates for Unauthorized Charge of $2700 Dear Better Business Bureau,I am writing to file a formal complaint against LJ Ross Associates regarding an unauthorized charge of $2700 on my credit card. This charge is completely unjustified as I have no association with any account or services provided by LJ Ross Associates.On [Date of Charge], I discovered a charge of $2700 on my credit card statement, attributed to LJ Ross Associates. I wish to emphasize that I have never engaged in any business transactions with LJ Ross Associates, nor do I have any knowledge of an account or service linked to this charge.I have already contacted my credit card company to dispute the charge and have initiated an investigation into this matter. Despite my efforts, LJ Ross Associates has failed to provide a satisfactory explanation for this unauthorized transaction or offer a refund of the wrongfully charged amount.I am deeply concerned about the lack of transparency and integrity displayed by LJ Ross Associates in handling this issue. I believe that their actions not only violate consumer protection laws but also demonstrate a disregard for ethical business practices.I kindly request the Better Business Bureau to investigate this matter thoroughly and take necessary actions to ensure that LJ Ross Associates rectify this situation promptly. I demand a full refund of $2700 and urge LJ Ross Associates to provide a clear account of the circumstances leading to this unauthorized charge.I appreciate your attention to this complaint and trust that the Better Business Bureau will uphold consumer rights and hold LJ Ross Associates accountable for their actions.Thank you for your assistance in resolving this matter.Sincerely,***************************

  

  Business Response

  Date: 04/12/2024

  *************** Associates, **** (LJRA) has completed a full investigation into the claims made by this consumer. A review of our records shows that we have never talked to this consumer regarding their account in our office, nor have we processed any payment, including credit card payments on their account. LJRA will need more information from the consumer in order to trace the $2700.00 payment they state was charged to their credit card. The consumer should contact our office immediately and provide our office with more information in regards to the exact details of the credit card charge so we can investigate further. We will need the exact amount charged to their credit card, the date of the charge, and the transaction number (this will be on their credit card or bank statement). LJRA prides itself on it highest regard to compliance, consumer rights, and the data security of consumers. **** wants to work with the consumer to help them with this matter, along with providing them details regarding their account in our office if they have questions regarding that matter as well. The consumer should contact our office directly at **************. We are available Monday through Thursday from 8am to 7:30pm EST and Friday from 8am to 5:30pm EST.We will then provide the consumer with the information they on how to best provide our office with the requested information to investigate the charge on their credit card, and any other information they may need.  In the meantime, because LJRA can not disclose any information regarding the consumer's account via the ********************'s public portal, LJRA will email the original creditor's information directly to the consumer to the email address they provided on this complaint in order to help them identify the account in question.  We look forward to helping assist the consumer directly, and await their response.

• Initial Complaint

  Date:02/08/2024

  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.

  Was contacted by a representative claiming to be calling on behalf of a hospital I had never heard of. I contacted the hospital, which had no record of me being a patient there. This collection has been labeled as fraudulent and removed from my credit report but I keep getting relentlessly contacted, being told I needed to provide my date of birth and other sensitive information, and that I was responsible for this account. They also have called me during an active dispute with the credit bureau. I am not sure if they have me mistaken for someone else or if they are just trying to contact as many people as possible, but I am seeking compensation for the trouble it has caused before I attempt to seek legal action for the fraudulent activity on behalf of LJ Ross and this made up hospital.

  

  Business Response

  Date: 02/09/2024

  *************** Associates, **** (LJRA) will not respond with any account information via the BBB portal due to the public posting of BBB complaints and responses, and we will not disclose private information via a public source.  LJRA denies all claims of accused violations and will not pay any compensation as demanded. LJRA asks that the consumer contact our office directly to any further questions and/or account resolution options.  We are available Monday through Thursday from 8am to 7:30pm and Friday from 8am to 2pm EST.  Our toll free phone number is **************.  

  Customer Answer

  Date: 02/09/2024

  [A default letter is provided here which indicates your rejection of the business's response. 
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of why I am rejecting this response appear below:
  
  [I am not asking you to disclose any personal information. I am simply accusing you of fraudulent activity and misconduct. Your current options are to mail me a check for $1000 to the address you have on file in order to make up for the distress that your fraudulent company has caused. Other options include never contacting me again or I will be pressing charges.]
  
  Regards,
  
  *****************************

• Initial Complaint

  Date:01/09/2024

  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.

  ** getting calls from this company multiple times a day and I have no idea who they are. Multiple emails and Im being harassed. ****** has spoke with me requesting personal information without any information given to me

  

  Business Response

  Date: 01/09/2024

  *************** Associates, **** (LJRA) has completed a full investigation into the claims made by this consumer. A review of our records finds that we sent a total of 3 emails to the consumer, one for each of the accounts placed in our office by the original creditor.  Those emails contain the Model Validation Notice required to be sent to the consumer by the **** and the FDCPA/Reg F.  These letters advise the consumer of the account being placed with our office by the original creditor, and also advises the consumer of their consumer rights.  The consumer claims we are calling them "multiple times a day".  LJRA reviewed our call logs and found that we called the consumer one time on 1/9/2024. LJRA denies the claims and allegations made by the consumer of harassment, as we have complied with all state and federal laws, rules and regulations of communication attempts, including the **** and Reg F 7/7/7 contact rule.  The consumer goes on to state that a representative with our office spoke with them "requesting personal information without information being given to them". LJRA has an obligation to confirm that we are speaking with the correct person prior to us being able to release any information regarding the accounts with our office. This is to protect the consumer's privacy, protect their private information, and avoid disclosure of a consumer's private information without verification we are speaking to a correct party. This is requirement of both LJRA policy, in compliance with state and federal law.  The consumer states their desired outcome is "no further contact by the business". **** has placed the three accounts in our office in a cease and desist contact disposition. LJRA will no longer attempt to contact the consumer, either by phone or in writing regarding these accounts.  LJRA would like the consumer to understand that if more accounts are placed in our office in the future, the cease and desist order does not, and will not, apply to anything that *** be placed in the future.  LJRA has a private matter that does require the consumer's attention and resolution.  If the consumer decides they would like to discuss the matters in our office and resolution options, they *** contact our office, but must first rescind their cease and desist order prior to LJRA being able to communicate with them. 

  Customer Answer

  Date: 01/09/2024

  [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 made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

  Regards,

  *************************

• Initial Complaint

  Date:10/16/2023

  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.

  **** not liable for this debt with *********** Light ************ I do not have a contract with the collection agency *************** ASSOCIATES, **** they did not provide me with the original contract as I requested.

  Customer Answer

  Date: 10/16/2023

  This is no third party, this is solely me writing. Please reconsider this matter properly. A letter was written directly to the creditor for proof of contract of my relationship with them, I am still waiting for it.

  

  Business Response

  Date: 10/27/2023

  *************** Associates' contracts are with the original creditors only, not consumers directly. Due to federal and state privacy laws, LJRA is not able to provide any documentation, information, or explanation on the BBB's portal, as the information can be publicly displayed. The BBB is not the correct communication method and the consumer is advised to either call our office at **************, mail their dispute with accompanying proof to PO Box ****, *******, ** *****, email their dispute with accompanying proof to ********************************* or they can their their dispute with accompanying proof to our website at ********************************************************************.

• Initial Complaint

  Date:09/15/2023

  Type:Product 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 applied for and received a **** ********** **************** I was not able to activate the card for use without calling them. Their representative messed up on the computer and had to put me through to customer care, who said I would have to wait for the physical card. Once I received the card, I activated it online. I went to **** to make a purchase and the transaction was declined. When I phoned them, they told me I would have to send them a lot of documentation - including my drivers license and SSC. I have never had to do this with any credit card and I am not about to give them those things just to use their credit card. I requested to just close the account and they said they would still need the documentation to do so. I want this account closed and I want them to notify the credit bureaus to take this hard inquiry off of my credit record.

  

  Business Response

  Date: 09/18/2023

  This complaint is for a different company, not *************** Associates.  We are not the store called ****, we do not have credit cards and are not affiliated with **** stores or Comenity Bank.  Please delete this complaint from our records