Important information
- Customer Complaint:BBB has received consumer complaints about Credit Control which allege contact from the company about debts not owed, difficulty obtaining validation of debt owed, and difficulty making contact with the company. The company has addressed concerns brought to its attention.
Complaints
This profile includes complaints for Credit Control LLC's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 335 total complaints in the last 3 years.
- 136 complaints closed in the last 12 months.
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Submit a ComplaintThe 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:06/25/2025
Type: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.
Name: **** ******* ********** ******* Address: *************************************************************** DOB: ********** Last 4 of SSN: 7821 Date: 09/01/2023 Bureau Name: EXPERIAN Bureau Address: *************************** Status updated: Jan 2024 Balance updated: 05/19/2025 Balance $622 Recently, I did an investigation on my credit report and found several items on there to be inaccurate.Under 15 U.S. Code 1681e (b) Accuracy of report: Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.15 U.S. Code 1681i (5) Treatment of inaccurate or unverifiable information (A) In general: If, after any investigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency shall(i) promptly delete that item of information from the file of the consumer; or modify that item of information, as appropriate, based on the results of the reinvestigation; and (ii) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.I ALSO SEE REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED THAT THIS FRAUDULENT ACCOUNT IS ON MY REPORT. PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY REPORT AS THEY ARE HURTING AND PREJUDICATING MY ABILITY TO OBTAIN CREDIT OPPORTUNITY AND IN ADDITION TO DAMAGING MY CREDIT SCORE.Please remove the following items from my credit report, immediately:Additionally Attached are a copy of an ID Theft Report and recent correspondence from the collection agency Credit Control, LLC, regarding a ******* Wireless account that I do not recognize, Accounts ABC, Account: ************** This account is being reported inaccurately, please remove this from my credit report immediately please ,thanks you
Business Response
Date: 07/01/2025
We are in receipt of the complaint from **** **********, forwarded to our office through the portal on June 26, 2025. Upon receipt of your correspondence, we reviewed our records and found that the name of the complainant does not match the consumer's name for the account provided. As such, Credit Control cannot respond to the allegations in this complaint due to the risk of third-party disclosure.
The consumer indicated the account subject to his complaint may have been opened fraudulently. Fraud claims should be investigated directly by the creditor of record. The consumer may initiate a fraud investigation by filing a claim online directly with ******* at ************************************ or via telephone by calling the ******* **************** at ************, Option 3 and then Option 1. Please note, a police report or FTC ID Theft Affidavit Form is required for ******* to investigate the consumers claim regarding this account.
Initial Complaint
Date:06/24/2025
Type: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 honestly dont get why CREDIT CONTROL SERVICE is reporting this debt under my name because I dont owe them anything. I never signed anything with them, and when I asked for a copy of the original application, they didnt even bother to provide it. Its frustrating because this is hurting my credit for no reason, and its just not fair. How can they just put something on my report without any proof?Account No: ******** Amount Disputed: $277Business Response
Date: 06/24/2025
We are in
receipt of the complaint from Brandy Williams received on June 24, 2025. This complaint should have been directed to
Credit Control Services. Credit Control, LLC, has no affiliation with Credit
Control Services, despite any similarity in our business names.
Please
remove this complaint from our records.Initial Complaint
Date:06/22/2025
Type: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 collection agency has emailed me twice, June 9 and June 20, 2025 concerning payment of an account that is not mine. Has incorrect name, uses **** *. That is not my name. I have not received any phone calls or anything in the mail. So that lets me know they have the wrong person. I do not own any accounts ending in #****. This is not on my credit report.Business Response
Date: 06/24/2025
We are in receipt
of the complaint from Lisa Arnold, forwarded to our office through the portal
on June 23, 2025. Upon review of the complainant’s identifying information,
we find that the complaint does not provide the verification information required
to respond meaningfully to the concerns raised in the accompanying complaint.
As such, Credit Control cannot respond to the allegations in this complaint due
to the risk of third-party disclosure.Further, it should
be noted the email address listed on the complaint has been removed from our
system of record.Initial Complaint
Date:06/17/2025
Type: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 now have an account in collections which is not mine originating from **********************Business Response
Date: 06/20/2025
We are in receipt of the complaint from Nicholas
Johnson, forwarded to our office through the portal on June 17, 2025. Upon review of the
complainant’s identifying information, we find that the complaint does not
provide the verification information required to respond meaningfully to the
concerns raised in the accompanying complaint. As such, Credit Control cannot
respond to the allegations in this complaint due to the risk of third-party
disclosure.Examples
of information that would allow us to respond meaningfully to the concerns
addressed in this complaint would be the last four digits of the consumer’s SSN
along with date of birth and/or the address of record for the account in
question. Once we are able to verify the identity of Mr. Johnson and his
association with the account subject to this complaint, we will respond to the
concerns expressed in the complaint filed on June 17, 2025.Initial Complaint
Date:06/17/2025
Type: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 started receiving daily texts from this company claiming I have a **************** debt that they are collecting on. However, I'm unable to access this account and I have not received any other correspondence related to it. I don't have any debts on my credit report and have no knowledge of what this debt could be.When I try to call Credit Control, their phone tree system seems designed to never actually let callers in. Each time I call it follows the same pattern:Initially it says I am 3rd in line with a wait of 1 min. Every minute or so, it requires me to press 2 to keep waiting on the line. After a few repetitions it says that I am now 5th in line. After a few more repetitions it says I am 3rd in line again. Finally, after ~10+ minutes and having to press 2 several times, the next time I press 2 it just immediately hangs up.Business Response
Date: 06/20/2025
We are in
receipt of the complaint from Austin Beattie, forwarded to our office through
the portal on June 17, 2025. Upon receipt of your correspondence, we reviewed our
records and found that the name of the complainant does not match the consumer's
name for the account provided. As such, Credit Control cannot respond to the
allegations in this complaint due to the risk of third-party disclosure.The
phone listed on the complaint has been removed from our system of record and
will not receive further communication from our office.Initial Complaint
Date:06/17/2025
Type: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.
MY SON recieved a phone call from this company ( CREDIT CONTROL LLC) ASKING FOR MY NAME .Business Response
Date: 06/24/2025
We are in receipt of the complaint
from Ronald Merino, forwarded to our office through the portal on June 17,
2025. Upon receipt of your correspondence, we documented this complaint and
forwarded a copy to our client, U.S. Bank National Association.In reviewing
our file, we find that the account was placed for collection assistance with
our office on June 9, 2025, at which time our initial communication was sent to
the consumer notifying them of our representation. It should be noted that
Credit Control is not the current or historical owner of the account subject to
this complaint. The account in question was placed with Credit Control for
third-party collection services only. Since the account was placed in our office by our client, the information
was provided by U.S. Bank
National Association when it was placed with Credit Control.In response to this complaint, we have ceased
collections for this account and the phone number called on June 17, 2025, has
been removed from our system of records.If the
consumer has any questions or needs further assistance from Credit Control, he
can contact Mike
Dobratz, Director of
Operations for Credit Control, LLC at 314-442-7400.
Additional inquiries regarding the consumer’s account should be directed to the
creditor, U.S. Bank National Association at 800-236-8873.Customer Answer
Date: 06/24/2025
Complaint: 23481441
I have reviewed the business' response and am rejecting it because: I am requesting the Forward Flow Agreement. CHAIN OF AGREEMENT. ORIGINAL DOCUMENTS ORIGINAL CONTRACT. Agreement to pay.
Sincerely,
Ronald MerinoCustomer Answer
Date: 07/02/2025
I recieved this letter from credit C ontrol LLC. And I am disputing all of the debt. And I am requesting seven things from them . 1. FORWARD FLOW AGREEMENT. 2. CHAIN OF AGREEMENT. 3 . INSURANCE OF DEBT. 4 MY SIGNATURE AGREEING TO PAY. 5 PURCHASE AGREEMENT. 6 OWNER OF THE DEBT. 7 A SIGNED CONTRACT/AGREEMENT ORIGINAL SIGNATURES.Initial Complaint
Date:06/14/2025
Type: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 recently checked my credit report and was shocked to find what was on my credit i have been a victim of identity theft i do not recognize these accounts please remove this from my credit report they are hurting my ability to obtain my credit thank you. CREDIT CONTROL, LLC ACOUNT:518709XXCustomer Answer
Date: 06/17/2025
I want it to me removed off my credit report because I’m not aware it was in it and it was not meCustomer Answer
Date: 06/17/2025
I want this to be off my credit report because this was not meBusiness Response
Date: 06/20/2025
We are in receipt
of the complaint from Jala Johnson, forwarded to our office through the portal
on June 14, 2025. Upon receipt of your correspondence, we documented this
complaint and forwarded a copy to our client, T-Mobile.In reviewing
our file, we find that the account was placed with our office on January 4, 2025,
at which time our initial communication was sent to the consumer notifying them
of our representation. It should be noted that Credit Control is not the
current or historical owner of the account subject to this complaint. The
account in question was placed with Credit Control for third-party collection
services only.The consumer stated
this account was opened fraudulently and may have been the result of identity
theft. The consumer should contact the current creditor, T-Mobile, directly.
The creditor will direct the consumer as to how to complete a fraud claim and complete
an investigation on behalf of the consumer. The consumer can also file a report
of identity theft through the Federal Trade Commission at IdentityTheft.gov,
the federal government’s one-stop resource to help people report and recover
from identity theft. The site provides step-by-step advice and helpful
resources.With regard to the
consumer’s credit bureau dispute, we have initiated a request to delete the
tradeline reported by Credit Control. Please note, Credit Control does not have
the authority to amend or delete any tradeline for which we are not the data
furnisher, including any associated tradeline reported by T-Mobile.
If the
consumer has any questions or needs further assistance from Credit Control, they
can contact Mike
Dobratz, Director of
Operations for Credit Control, LLC at 314-442-7400.
Additional inquiries regarding the consumer’s disputes of the account should be
directed to the creditor, T-Mobile at 800-937-8997.Initial Complaint
Date:06/13/2025
Type: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 reporting a serious case of identity theft involving numerous fraudulent accounts and ********************** inquiries that were unlawfully created using my personal information. I have never applied for, authorized, or used any of the accounts listed below, nor do I have any existing relationship with the companies involved.Credit Control, LLC Collection account opened on 01/18/2025 for $2,107Business Response
Date: 06/20/2025
We are in
receipt of the complaint from Rocco Bari, forwarded to our office through the
portal on June 14, 2025. Upon receipt of your correspondence, we documented
this complaint and forwarded a copy to our client, T-Mobile.In reviewing
our file, we find that the account was placed with our office on January 28,
2025, at which time our initial communication was sent to the consumer
notifying them of our representation. It should be noted that Credit Control is
not the current or historical owner of the account subject to this complaint.
The account in question was placed with Credit Control for third-party
collection services only.The consumer stated
this account was opened fraudulently and may have been the result of identity
theft. The consumer should contact the current creditor, T-Mobile, directly.
The creditor will direct the consumer as to how to complete a fraud claim and complete
an investigation on behalf of the consumer. The consumer can also file a report
of identity theft through the Federal Trade Commission at IdentityTheft.gov,
the federal government’s one-stop resource to help people report and recover
from identity theft. The site provides step-by-step advice and helpful
resources.With regard to the
consumer’s credit bureau dispute, we have initiated a request to delete the
tradeline reported by Credit Control. Please note, Credit Control does not have
the authority to amend or delete any tradeline for which we are not the data
furnisher, including any associated tradeline reported by T-Mobile.
If the
consumer has any questions or needs further assistance from Credit Control, he can
contact Mike
Dobratz, Director of
Operations for Credit Control, LLC at 314-442-7400.
Additional inquiries regarding the consumer’s dispute of the account should be
directed to the creditor, T-Mobile, at 800-937-8997.Initial Complaint
Date:06/12/2025
Type: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.
****** ****** ******************************************* Credit Control LLC ************************************************** RE: Validation Request for Alleged Debt Account # ******** To Whom It May Concern:This letter is being sent to you pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, which states that I have the right to dispute the validity of the alleged debt and request verification. I am writing in response to the collection accounts recently reported to the credit bureaus and appearing on my credit report dated May 23, 2025, under the names Credit ******************* for the original creditor 06 ************** required by law, I respectfully request the following:Validation of the debt including a complete accounting and breakdown of the amount claimed.A copy of the original signed Assignment contract that proves I have a legal obligation to pay this debt.The name and address of the original creditor if it differs from your agency.Proof of your legal right to collect in my state (*******) and your license number.A copy of any judgment, if applicable, obtained against me.Until this validation is provided, I request that you cease all collection activities and remove this item from my credit report. If you cannot validate the debt, you are required by 15 U.S.C. 1692g(b) to cease collection efforts and remove the information from any and all credit reporting agencies.Please be advised this is not a refusal to pay, but a request for validation. This letter shall serve as notice that any further reporting of this debt without validation will be viewed as a violation of the ***** and my rights under the **** (15 U.S.C. 1681).I request that all communications be in writing. You may respond to the address above.Business Response
Date: 06/17/2025
We are in receipt
of the complaint from Tyshon Felder, forwarded to our office through the portal
on June 12, 2025. Upon receipt of your correspondence, we documented this
complaint and forwarded a copy to our client, Navy Federal Credit Union.In reviewing
our file, we find that the account was placed with our office on January 8, 2025,
at which time our initial communication was sent to the consumer notifying them
of our representation. It should be noted that Credit Control is not the
current or historical owner of the account subject to this complaint. The
account in question was placed with Credit Control for third-party collection
services only. This complaint is
the first notice Credit Control has received regarding a dispute or request for
validation from the consumer. The consumer’s dispute has been escalated to the
current creditor for further review.With regard to the
consumer's credit report, Credit Control is not a data furnisher for the
account subject to the complaint and has not reported it to any consumer
reporting agency. Please note, Credit Control does not have the authority to
amend or delete any tradeline for which we are not the data furnisher,
including any associated tradeline reported by Navy Federal Credit Union.
In response to the
consumer’s dispute, Credit Control has ceased its collection efforts with
regard to this account.
If the
consumer has any questions or needs further assistance from Credit Control, they
can contact Joseph DiBello, Vice President of Operations for
Credit Control, LLC at 877-431-7779.
Additional inquiries regarding the consumer’s disputes of the account should be
directed to the creditor, Navy Federal Credit Union.Initial Complaint
Date:06/10/2025
Type: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 **************************** ,I do not have a contract withCREDIT CONTROL SERVICE they have not provided me with original contract as I requestedBusiness Response
Date: 06/11/2025
We are in receipt of the complaint from ******** *****, forwarded to our office through the portal on June 10, 2025. This complaint should have been directed to Credit Control Service. Credit Control, LLC does not collect on accounts for **************************** and has no affiliation with Credit Control Service, despite any similarity in our business names.
Please remove this complaint from our record.
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