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
- 336 total complaints in the last 3 years.
- 137 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:01/04/2023
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.
Your company has called my cell phone - ************ - on multiple occasions over the last few weeks. No voicemails were left explaining the reason for the call.
I have reviewed my credit reports, including all personal debts, past and present, and see no valid outstanding debt warranting the involvement of a collections agency. I therefore dispute the validity of any presumed alleged debt with regards to which you have presumably been calling.
Therefore in accordance with the Federal Fair Debt Collection Practices Act 15 USC Sec. 1692 you are hereby notified to cease and desist any and all attempts to collect the alleged debt in question. I am hereby declining any attempts to collect the alleged debt in question. I am hereby declining any attempts to collect by Credit Control, LLC or any other collection agency with regards to this or any other alleged debt in my name.
If Credit Control, LLC believes it does have valid debit it may legitimately collect from me, it is legally required to present written documentation to the appropriate court of jurisdiction proving the validity of said indebtedness.
Absent such documentation, you are hereby notified to inform and/or remove from any reporting agencies any and all alleged debt currently in dispute.
You are also hereby notified to cease and desist any and ally contact with me in regards to this matter unless it is to notify me via U.S. mail that you will be terminating all attempts to collect said alleged debt.
Business Response
Date: 01/05/2023
We are in receipt of the complaint of **** ***, forwarded to our office through the portal on January 5, 2023. Upon receipt of your corresponded, we documented this complaint and conducted our investigation into the concerns raised by the consumer.
In reviewing our file, we find that we had dialed the number supplied by Mr. *** ending in **** attempting to reach another individual. As we did not make contact when dialing that number, nor did we ever receive a return call, we were not aware we were dialing an incorrect number for our party. On 12/28/22 we received a copy of the complaint correspondence directly from Mr. ***. Upon receipt of his letter we removed this phone number from the file on which it appeared. In addition, upon receipt of your correspondence we have now added this phone number to our internal Never Dial Database.
Initial Complaint
Date:12/28/2022
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.
According to 15USC 1692 B(5) any debt collector communicating with any person other Than the consumer shall NOT use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. According to 15 UHC 1692B (2), any Debt Collector shall NOT state that such consumer owes any debt
According to 15USC 1692 C(A), communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
According to 15USC 1692 D(2) , the use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.Business Response
Date: 01/02/2023
We are in receipt of the complaint of ******* ********, forwarded
to our office through the portal on December 28, 2022. Upon receipt of your correspondence, we
documented this complaint and forwarded a copy to our client. In reviewing the consumers’ concerns we find
that no violations took place. Furthermore, we find
that our envelopes and glassine window of the envelope are free from any
indication that the communication pertains to a collection of a debt. Regarding
the consumers’ concerns with the credit reporting of this account, please be
advised that at no time has Credit Control, LLC 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 the current creditor.
We have placed this account into a cease status, pending recall by
our client.Initial Complaint
Date:12/18/2022
Type: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 disputing this charge because I never owned a ******* phone line in my life. I got a letter this month (December 2022) stating that I owe ******* $65 since April 2022, this is clearly fraud since I dont have and never had a ******* line, Ive been with my phone company for over 3 years now and never switched. I demand that this situation gets cleared out as well as on my credit report gets cleared out. This charge is a complete fraud!Business Response
Date: 12/19/2022
We are in receipt of the complaint of *****************************, forwarded to our office through the portal on December 19, 2022. Upon receipt of your correspondence, we documented this complaint and forwarded a copy to our client.
In reviewing our file, we find that we received correspondence from this consumer disputing this account, and stating that he wants us to cease and desist. Upon receipt of the consumer's correspondence we forwarded the consumer's dispute to our client, and placed this account into a cease status, pending recall by our client.
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. The consumer would need to address any questions or concerns regarding the credit reporting of this account directly with the current creditor.Customer Answer
Date: 12/19/2022
Better Business Bureau:
I have reviewed the response made by the business in reference tocomplaint ID ********, and find that this resolution is satisfactory to me.we are still pending to be informed once this has been completely cleared out.
Thank you!
Sincerely,
*****************************Initial Complaint
Date:12/09/2022
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.
To those at **** ** ******** **** concerned with fraud:
I am ******** ****** resident of *** **** **** *** ******** **. I hold 147 shares of **** ** ******* stock as of December 9, 2022. Beyond that I have no affiliation, to my knowledge, with your company; however, I received a letter from Credit Control LLC, ** *** *** ** ********* ** ********** on December 8th saying I have an ‘account due’ (reference # ***********) of $20,747.38 to **** ** *******, N.A. I have no knowledge of what they are talking about. Bills I incur I pay on time. I owe no one $20,000. if these people work for you, please straighten out this matter immediately. An apology from your corporation would be in order. if this matter is fraudulent, please deal with it before others are hurt. If this matter affects my credit my attorney will be in touch.
My contact information is ******************** ********* ******** ******Business Response
Date: 12/15/2022
We are in receipt of the complaint of ******** ******,
forwarded to our office through the portal on December 9, 2022. Upon receipt of your correspondence, we
documented this complaint and forwarded a copy to our client, **** ** *******,
N.A.
Upon receipt of your correspondence, we closed this file and
returned it to **** ** *******, along with a Fraud claim so that the bank could
initiate their investigation into the consumer’s claim. The consumer will be notified in writing of
the results of the investigation.
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
consumer would need to address any credit reporting concerns regarding this
account directly with **** ** ******* at ************.Initial Complaint
Date:12/01/2022
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 Company ran my credit multiple times without my permission. I have never dealt with them or ever would. I know what they do and I contact q friend at the DoJ and they told me to start here.. Also they must have obtained my SS# illegally because they didn't get it from meBusiness Response
Date: 12/01/2022
We are in receipt of the complaint of ***** ****** forwarded to our office through the portal on December 1, 2022. Upon receipt of your correspondence, we documented this complaint and forwarded a copy to our client, ****** Department Stores. In reviewing our file, we find that we sent our letter of representation to *** ****** on November 8, 2022, explaining our representation of our client. While we cannot disclose any specific information regarding our business with *** ****** or our representation of our client in a response to the Better Business Bureau, as the Bureau does state that all responses are made public, the information contained in our letter to *** ****** provided him with sufficient information for him to be aware that any reports we may have pulled are indeed a permissible pull under the Fair Credit Reporting Act (FCRA). If *** ****** has any questions or would like any additional information, he can reach out to us at his convenience at ************, and one of our representatives will be happy to assist.
Initial Complaint
Date:11/24/2022
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 is claiming I owe a debt of $8870.64 however they have not showed verifiable proof that the debt belongs to me. 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: 11/28/2022
We are in receipt of the complaint of ******* *****,
forwarded to our office through the portal on November 25, 2022. Upon receipt of your correspondence, we
documented this complaint and forwarded a copy to our client, **** ** ******** ***.
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 concerns regarding the credit reporting of
this account directly with **** ** ******* ** ************.As the consumer has requested that we cease and desist all
collection activity, we have closed our file regarding this account, and
returned it to **** ** *******. Credit
Control, LLC will perform no further collection activity regarding this
account. In addition, we have forwarded
the consumer’s request for validation of this debt to our client, so that they
may respond to his request.Initial Complaint
Date:11/04/2022
Type: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.
Late October 2022 I received a debt collection letter from Credit Control, LLC stating that I owed $37.09 to ********* **************************** PA. I put the letter to the side thinking it was a scam as I had just been in the ** on 09/30/2022 and had not yet received a bill from the hospital itself or my insurance. On 11/04/2022 I received my explanation of benefits from my insurance and contacted them to see if I did in fact owe anything. Turns out I didn't they fully covered the visit and the letter is in fact a clerical error from the provider or a scam and the provider does not bill using that name they bill from the hospital they are part of and try for a minimum of 6 months to collect themselves before selling the debt. I have not received any bills from the hospital and even contacted them directly and they have no record of the debt as again my insurance covered it in full.Business Response
Date: 11/04/2022
We are in receipt of the complaint of ***********************, forwarded to our office through the portal on November 4, 2022. Upon receipt of your correspondence, we documented this complaint and forwarded a copy to our client.
In reviewing our file, we find this account was placed with our office for collection on October 5, 2022, at which time we sent our letter of representation to the consumer. We have not had any contact with this consumer. While we would normally obtain documentation to validate the debt and provide copies to the consumer, unfortunately due to the consumer's request that we cease contact we are not able to assist the consumer any further in investigating and validating this debt. We are closing our file regarding this account and returning it to our client.
Customer Answer
Date: 11/07/2022
Better Business Bureau:
I have reviewed the response made by the business in reference tocomplaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
***********************Initial Complaint
Date:10/25/2022
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 this debt with Credit Control LLC and do not have a contract with them. They did not provide
me with the original application like I asked. Also they violated my rights under:
15 U.S.C 1681 Section 602 A. States I have the right to privacy
15 U.S.C 1681 Section 604 A Section 2: It also states a consumer agency cannot furnish an account without my written instructions.
15 U.S.C 1692C Without the prior consent given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debtBusiness Response
Date: 10/25/2022
We re in receipt of the complaint of **** *****, forwarded to our office through the portal on October 25, 2022. Upon receipt of your correspondence, we documented this complaint and forwarded a copy to our client. In reviewing our file, we find that we received *** ******* letter of dispute on October 14, 2022, at which time we placed a hold on collection activity and forwarded a copy to our client, and requested documentation in order to validate this debt. Furthermore, we find that no violations took place. There has been no disclosure of this debt to any third party, or any other violation of *** ******* privacy. *** ***** also cites a portion of the Fair Debt Collection Practices Act when he states that "a debt collector may not communicate with a consumer in connection with the collection of any debt", however he omitted the remainder of the statement which lists the prohibited conditions (i.e. placing calls after 9:00 pm or before 8:00 am, local time to the consumer, placing calls to a consumer's place of employment if a debt collector knows the employer prohibits such communications, etc.). Regarding *** ******* 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
Initial Complaint
Date:10/12/2022
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.
Refusing to give business ID number or proof of alleged debt. Didn’t give me the correct mailing addressBusiness Response
Date: 10/12/2022
We are in receipt of the the complaint of *** *****, forwarded to our office through the portal on October 12, 2022. Upon receipt of your correspondence we documented this complaint and forwarded a copy to our client.
In reviewing our file, we find this complaint to be a duplicate of a complaint received and responded to earlier today from this consumer, through the ****. Credit Control, LLC operates in multiple sites, including 2 sites located in Tampa FL, Las Vegas, NV, and our Headquarters located in Earth City, MO. The consumer stated in his earlier complaint that he found a different address on our website than the address he was given by our representative. The address on our website is the address of our Headquarters in Earth City, MO.
I'm not sure what *** ***** is referring to when he asks for a "Business ID Number", but if he is referring to state licensing, our representative would not have that information to provide to him. Our state licensing information in each state is however public information, so *** ***** would be able to obtain that information on line through whichever state or licensing entity he is inquiring about.
Finally, regarding his request for validation of the debt, after speaking with *** *****, our representative placed this account into a hold status, but as both of *** *****'* complaints contain a request that we cease communication, we are unfortunately not able to provide him with the information he was asking for. We have placed his account into a cease status, pending recall by our client.
Initial Complaint
Date:09/28/2022
Type: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.
Account # ******** I requested verification of my debt, including each purchase made, with date of purchase and location as part of an ongoing investigation into fraud. The debt has been on my credit report jumping form creditor to creditor. When I request the detailed verification, the debt is sold from one collection agency to another. Credit Control, LLC provided me with a verificaiton of the total amount but cannot provide verification of the purchases, the dates they were made or where they were made and for what products. I was medically incapacitated at the time of the debt and am only now able to verify and investigate the fraudulent activity, which they cannot provide. In the meantime, the debt has held me back from employment opportunities as well as housing rentals. and car loans. I would like the debt removed from my credit report immediately as they failed to provide proper verification and there are several collection agencies claiming the same fraudulent debt on my report.Business Response
Date: 09/28/2022
We are in receipt of the complaint of *************************, forwarded to our office through the portal on September 28, 2022. Upon receipt of your correspondence, we documented this complaint and forwarded a copy to our client.
In reviewing our file, we find that we had received a dispute and fraud claim from this consumer, and forwarded the claim to our client so that they could conduct their investigation into the consumer's claim. We have placed a hold on all collection activity pending our client's findings, or until the account is recalled from our office.
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. The consumer would need to address any questions or concerns regarding the credit reporting of this account directly with the current creditor, LVNV Funding, LLC.
Customer Answer
Date: 09/30/2022
Complaint: 18141741
I am rejecting this response because: I am and have been requesting proof of the details of the debt so that I can verify the fraud. I have been provided the total balance of the debt, but no one has been able to provide me with copies of the original transactions. I know the total balance. I need to see the transactions each and every one. I am requesting proof of the transactions, the amount of each individual transaction and the date and location/vendor of each transaction for legal proceedings. I am retaining a lawyer for the fraud investigation and he has requested that I collect this info.If I am unable to collect it on my own, then I will need to pay him $400/hour to contact you and collect it, which would translate to further damages.
Sincerely,
*************************Business Response
Date: 10/03/2022
As stated in our previous response, we have made our client aware of the consumer's dispute and claim of Fraud, and have ceased collection activity regarding this account. In addition, regarding the consumer's concerns with the credit reporting of this account, we have not reported this account to any credit reporting agency. The consumer would need to contact the current creditor. ***************** directly regarding any questions or concerns regarding the credit reporting of this account.Customer Answer
Date: 10/05/2022
Better Business Bureau:
I have reviewed the response made by the business in reference tocomplaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
*************************
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