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Business Profile

Collections Agencies

Credit Control LLC
BBB accredited business seal
BBB Accredited BusinessA Rated by BBB

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

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Credit Control LLC has 5 locations, listed below.

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    Customer Complaints Summary

    • 336 total complaints in the last 3 years.
    • 137 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:02/26/2023

      Type:Billing Issues
      Status:
      Answered
      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 was contacted by this business via text message claiming that they hold a collections account for a Care Credit card in my name. I have proof that I settled this debt with the original agency 3 years ago and no longer owe anything on the account and it has been closed. I don't know how they got my information but this This is fraud and harassment and I'm demanding they cease and desist.

      Business Response

      Date: 02/26/2023

      We are in receipt of the complaint of ***** ********, forwarded to our office through the portal on February 26, 2023.  Upon receipt of your correspondence, we documented this complaint and forwarded a copy to our client.

      We have documented that the consumer is disputing this debt on the grounds that it has previously been paid.  While we would normally request documentation from our client to be able to investigate the consumer's dispute and assist the consumer in resolving the dispute, unfortunately since the consumer expressly stated that we are to cease and desist, we are not able to assist the consumer any further.  We have placed this account into a cease status, pending recall by our client.  Credit Control, LLC will perform no further collection activity regarding this account. 

      Regarding the consumer's concerns with the credit reporting of this account, please be advised that at no time has Credit Control, LLC ever reported this account to any credit reporting agency.  Any credit reporting of this account would only be handled by the current creditor, LVNV Funding, LLC.  The consumer would need to address any questions or concerns regarding the credit reporting of this account directly with LVNV Funding, LLC.

    • Initial Complaint

      Date:02/22/2023

      Type:Billing Issues
      Status:
      Answered
      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've been calling this company for two weeks now to settle a debt. I've tried calling them back after missing a call the first week and the number go back to a message box. The last 48 hours I've called and left an multitude of messages to get a call back and I still haven't received a call. I just want to settle a debt so it won't hurt my credit.

      Business Response

      Date: 02/23/2023

      We are in receipt of the complaint of ****** ******, forwarded to our office through the portal on February 22, 2023.  Upon receipt of your correspondence, we documented this complaint and initiated our investigation into the concerns raised by the consumer in his complaint.  In reviewing our file, we find that on February 22, 2023, the same date this complaint was filed, we received a call from the consumer, at which time our representative assisted the consumer in resolving this account.  We are now in process of updating our client that this account has been resolved, and we are closing and returning the file to them.

    • Initial Complaint

      Date:02/20/2023

      Type:Billing Issues
      Status:
      Answered
      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 called me today about a ***** bill. I dealt with a lot of medical bills last year from over a dozen providers so, fair enough, I likely forgot this. They tried to say they’d refuse to verify the debt for me unless I guaranteed payment, which is illegal according to the Consumer Financial Protections Bureau. I paid ***** directly. Employees are also very rude and disrespectful.

      Business Response

      Date: 02/20/2023

      We are in receipt of the complaint of ******** *****, forwarded to our office through the portal on February 20, 2022.  Upon receipt of your correspondence, we documented this complaint and forwarded a copy to our client, ***** ***********.

      In reviewing our file and speaking with the representative who spoke with consumer, we find that the representative misunderstood the consumer's request. The representative believed the consumer was  asking for a "balance due confirmation", which is a letter sent to confirm an agreement to pay the full balance of an account in 1 payment.  We have reviewed the conversation with the representative, and apologize to the consumer for any inconvenience as a result of the misunderstanding. 

      We have reached out to our client and requested documentation to validate this debt, and have placed a hold on any further collection activity until such time as the validation is provided to the consumer.  We will not resume collection activity unless and until this documentation has been sent to the consumer.  If we are not able to obtain the documentation from our client, or if the account is recalled by our client, we will close our file and return it to ***** ***********.

    • Initial Complaint

      Date:02/18/2023

      Type:Billing Issues
      Status:
      Answered
      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 is claiming I owe a debt of $2,609.55 account **** however they have not showed verifiable proof that the debt belongs to me. Reference account was illegally oppende by exwife and was included in a divorce settlement and creditor refused payment because they sated they no longer owned the account 12/10/2021. And would not provide new ownership. Account was stricken from divorce settle after 3 months of attempting to settle during divorce mediation. According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), Credit Control LLC required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof from Credit Control LLC original consumer contract with my signature on it) that you have on file for the account listed above. Their failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, and you must not place this account on my credit reports. I demand that the following account be verified or Credit Control LLC and desist all collection activities on this account.

      Business Response

      Date: 02/23/2023

      We are in receipt of the complaint of **** ********** forwarded to our office through the portal on February 19, 2023.  Upon receipt of your correspondence, we documented this complaint and forwarded a copy to our client, ****** ***.  Regarding the consumer's concern that this account was purchased by Credit Control, LLC, please be advised that at no time has Credit Control, LLC ever purchased or held any ownership interest in this account.  This account was placed with Credit Control, LLC for collection as a third-party debt collector by our client.

      Per the consumer's request, we reached out to our client and requested documentation to validate this account. Our client provided us with copies of the Terms and Conditions for this account from 2016, a copy of which we have mailed to the consumer.  In addition, per the consumer's request, we have placed this account into a cease and desist status, pending recall by our client.  Credit Control, LLC will perform no further collection activity regarding this account.

      Regarding the consumer's concerns with the credit reporting of this account, please be advised that at no time has Credit Control, LLC ever reported this account to any credit reporting agency.  Any credit reporting of this account would only be handled by our client.  The consumer would need to address any questions or concerns regarding the credit reporting of this account directly with ***** ****

      Customer Answer

      Date: 02/28/2023

      Complaint: ********



      I am rejecting this response because:


      the debt amount is not was was owed when the account was tried to be payed off during the divorce. ***** refused payment. For over 6min tha stating they don't own the account and would not provide information on who owned the debt. This account was illegally opened by my ex wife and was attempted to be settle during the divorce because it was opened illegally creditor refused to settle debt and claimed they did not owned debt and it was recorded during divorce settlement. 6 months of contacting creditor to get account payed and they refused .. There is no proof the debt is real and amount owed is not even acccured as stated during divorce debt collector added ove le $100 of fees on a debt they claimed they did not even own during the divorce yet ***** claimed had sold it already. So either creditor or debt collector is lying about when the account was acquired and sold and the amounts are incorrect as the dates from court document are after the account apparently was sold and debt collector denies having the accoutn back then but the paper they just send me stated account was sold way before my divorce was settled. On their previous answer debt collector denied owning the debt on the paper they send me stated they owned the debt before the divorce was settle so clearly they are lying. 





      Sincerely,



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

      Business Response

      Date: 03/01/2023

      We have received this follow-up to the consumer's original complaint, forwarded to our office through the portal on March 1, 2023.  As stated in our previous response, at no time has Credit Control, LLC ever purchased or held any ownership stake in this account.  This account was assigned to Credit Control, LLC as a third party debt collector by our client, ****** **** Per the consumer's previous request, we have closed our file regarding this account and returned it to our client.  This account is no longer active on our system.  The consumer would need to address any further questions or concerns regarding this account directly with ******* ****

    • Initial Complaint

      Date:02/15/2023

      Type:Billing Issues
      Status:
      Answered
      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 keep getting communication about a debt and I do not have any debts in collections on my credit report.

      The account is fraud. I do not have anything in collections and do not owe any bad debt.

      Please remove my name and the information from your file.

      Business Response

      Date: 02/16/2023

      We are in receipt of the complaint of ******* *******, forwarded to our office through the portal on February 16, 2023.  Upon receipt of your correspondence, we documented this complaint and forwarded a copy to our client, *** ** ***.

      In reviewing our file, we find that this account was placed with our office for collection in September of 2022, at which time we sent our letter of representation to the consumer. We have not had any contact with this consumer, nor have we received any response to any of the letters we sent to the consumer, prior to receipt of this complaint.  As a result, we were never made aware of the consumer's dispute of this account.  While our normal course of action would be to request documentation to provide to the consumer so that we could assist the consumer in resolving the dispute, unfortunately as the consumer expressly requested that we remove their name and information from our file, we must cease and desist and therefore we are unfortunately not able to provide the consumer with any further assistance.  We have closed our file regarding this account and are returning the account to our client.

    • Initial Complaint

      Date:02/13/2023

      Type:Billing Issues
      Status:
      Answered
      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 false debt was sold to Credit Control LLC from *** ******* *** and this is the 3rd company they have sold this false debt to. Please see previous BBB complaint #******** (1/23/23) and BBB complaint #******** (2/13/23). This debt is not mine and has never been mine. Please enforce them to stop selling this debt and falsely billing and threatening me. When they answer to the BBB that they will not pursue this debt, it does not mean that they will not sell it. This needs to stop.

      Business Response

      Date: 02/14/2023

      We are in receipt of the complaint of **** ********* forwarded to our office through the portal on February 14, 2023.  Upon receipt of your correspondence, we documented this complaint and forwarded a copy to our client.

      Regarding the consumer's concern that this account was sold to Credit Control, LLC, please be advised that at no time has Credit Control, LLC ever purchased or held any ownership stake in this account.  This account was placed with our office for collection as a third party debt collector by our client, ********* ******* ******** on behalf of the current creditor, **** ******** ***.  In addition, please be advised that at no time has Credit Control, LLC ever reported this account to any credit reporting agencies.  Any credit reporting of this account would only be handled by the current creditor, **** ******** ***.  The consumer would need to address any questions or concerns regarding the credit reporting of this account directly with **** ******** ***.

      Per the consumer's request, we have placed this account into a cease status, pending recall by our client.  Credit Control, LLC will perform no further collection activity regarding this account.

    • Initial Complaint

      Date:02/11/2023

      Type:Billing Issues
      Status:
      Answered
      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 letter from this company stating I owed money. This company is located in MO. I do not live in this state. This collection letter is in violation of FDCPA regulations. If I receive any further correspondence I will pursue legal action against this comapny.

      Business Response

      Date: 02/12/2023

      We are in receipt of the complaint of **** *********, forwarded to our office through the portal on February 11, 2023.  Upon receipt of your correspondence we documented this complaint and forwarded a copy to our client, ********* ****.

      Upon review of the consumer's complaint, the consumer seems to believe that the FDCPA restricts a debt collector from sending a collection letter outside of the state in which they are located.  As you are no doubt aware, this is not the case.  Credit Control, LLC is fully licensed in every state which has licensing requirements, and we perform nation-wide debt collection activity in servicing our clients.  Regarding the consumer's request that he receive no further communication from Credit Control, LLC, we have closed our file regarding this account and are in process of returning it to our client.  Credit Control, LLC will perform no further collection activity regarding this account.

      Customer Answer

      Date: 02/13/2023

      Complaint: ********



      I am rejecting this response because: This company has no information on their website saying they're are accredited in all 50 states. No documentation was provided saying this. 

      I find this letter in violation of FDCPA regulations and any further communication will be noted as a violation of this and any and all legal action will be taken against ********* and this company.







      Sincerely,



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

    • Initial Complaint

      Date:01/23/2023

      Type:Billing Issues
      Status:
      Answered
      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 for years about something that I do not owe I am disabled and I am asking for *** assistance leave me alone and stop. Stop communicating with me in any way shape or form this is an illegitimate way keep contacting somebody it's not real it's not viable and I wanted to stop right now I want them to leave me alone. They've been harassing me for years and it's hurting my disability and my condition and so I have to take more medication and go see the psychiatrists. I'm on disability there's nothing I can do I have no money I'm on social security and welfare for God's sakes leave me alone. DO NOT CONTACT ME AGAIN EVER!!!

      Business Response

      Date: 01/26/2023

      We are in receipt of the complaint of ***** *******, forwarded to our office through the portal on January 24, 2023.  Upon receipt of your correspondence, we documented this complaint and forwarded a copy to our client, ********* ******* *********

      In reviewing our files, we find that this account was just placed with our office for collection on January 11, 2023, at which time we sent our letter of representation to the consumer. Upon receipt of your correspondence, we documented the consumer's request that we cease communication regarding this account.  In compliance with the consumer's request, we have placed this account into a cease communication status, pending recall by our client.  ****** ******** *** will perform no further collection activity regarding this account.

      Customer Answer

      Date: 01/30/2023

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



      I am rejecting this response.




      Sincerely,



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

    • Initial Complaint

      Date:01/20/2023

      Type:Billing Issues
      Status:
      Answered
      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 BUSINESS IN TRYING TO COLLECT A DEBT OWED TO TOTAL VISA.HOWEVER,I AM WORKING WITH A DEBT CONSOLIDATION COMPANY CALLED "**********" AND ALL OF MY CREDIT CARD DEBT HAS BEEN TAKEN OVER BY ***********

      Business Response

      Date: 01/22/2023

      We are in receipt of the complaint of ****** *******, forwarded to our office through the portal on January 20, 2023.  Upon receipt of your correspondence, we documented this complaint and forwarded  a copy to our client.

      Per the consumer's request, we have placed this account into a cease communication status, pending recall by our client. In addition, we have reached out to the consumer's Debt Consolidation representative, and will only communicate with them until such time as the account is either satisfied or recalled.

    • Initial Complaint

      Date:01/06/2023

      Type:Billing Issues
      Status:
      Answered
      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 ****** ******** ******* and do not have a contract with Credit Control LLC. They do not provide me with the original application as I asked.

      Business Response

      Date: 01/13/2023

      We are in receipt of the complaint of *** ***, forwarded to our office through the portal on January 6, 2023. Upon receipt of your correspondence, we documented this complaint and forwarded a copy to our client, ********* ****


      In reviewing our file, we find that on November 16, 2022, we received a complaint through the CFPB portal from this consumer, stating that the consumer believed this account was the result of Fraud, and asking that any credit reporting regarding this account be deleted from the consumer's report. Upon receipt of that complaint, we closed our file regarding this account and forwarded a Fraud claim to our client, so that they could initiate their investigation into the consumer’s claim. On December 6, 2022, our client returned the account to our office, advising that they had completed their investigation and deemed that this account was not Fraud.


      Per the consumer’s request, we have requested a copy of the application from our client and will forward a copy upon receipt.


      Regarding the consumer’s concerns with the credit reporting of this account, as stated in our response to the consumer’s previous complaint, at no time has Credit Control, LLC ever reported this account to any credit reporting agency. Any credit reporting of this account would only be handled by our client. The consumer would need to address any questions or concerns regarding the credit reporting of this account directly with ********* **** ** *************


      Sincerely,
      ***** *******
      ******** ** **********
      ****** ******** ****
      **************

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