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:09/17/2022
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.
this place has been calling me non stop .they also sent a letter . they have no legal right to bother me or harass me about anything. I do not owe them anything. i did not give consent to anything. if I need to contact a hospital about a matter I will do so.they need to stop bothering me by phone and mail. it is so bad.its causing so much distress.
Business Response
Date: 09/19/2022
We are in receipt of the complaint of ******** ****, forwarded to our office through the portal on September 18, 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 have 2 accounts placed with our office for collection by our client. Although we have made several attempts to reach the consumer, we have not had any contact. Per the consumer's request, we have ceased collection activity. We have placed both accounts into a hold status, pending recall by our client. If the consumer has any questions or wishes to address these accounts she can reach out to our client directly, and they will be happy to assist.
Customer Answer
Date: 12/12/2022
this company keeps calling me i dont owe them anything .i would resolve all matters with the original party .they have no right to keep calling.
No further contact by the business
Business Response
Date: 12/12/2022
As stated in our previous response to the consumer's prior complaint, upon receipt of that complaint correspondence we closed our file regarding this consumer and returned the accounts to our client, ******** Hospital. On December 7, 2022, ******** Hospital placed a new account for this consumer with our office for collection. Upon receipt of your latest correspondence, we have closed our file regarding this account and returned it to our client as well. In addition we have also added the consumer's phone number to our internal Never Dial database, which will prevent us from dialing this consumer should our client once again place another account with our office for collection.Customer Answer
Date: 12/13/2022
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:09/12/2022
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.
I received a call last week from this company and they immediately asked for my name, date of birth, and other highly personal identifying information (I believe the last 4 of my social but I can't fully remember). When I asked what they were calling about, they said they couldn't disclose that. When I asked who was calling, they said they could give me the name of the company. When I asked what their company does (I.e. debt collections, credit cards, etc), they said they were a financial institution but couldn't say anymore until they had my private information. I told them unless they'd disclose the type of call, I wouldn't give them any information, and the person just said "ok have a good day" and hung up. I looked up the company name after only to find out they're a debt collections agency. To my knowledge, according to the ***, debt collectors are required to identify themselves as such. Saying "financial institution" instead of saying they were a collections agency is failing to identify themselves as a debt collector, and thus breaking *** guidelines. I'm not sure what debt they may have of mine, but I sure won't be giving them any of my info considering how shady their practices seem to be.Business Response
Date: 09/12/2022
We are in receipt of the complaint of ********* *****, forwarded to our office through the portal on September 12, 2022. Upon receipt of your correspondence we documented this complaint and forwarded a copy to our client.
Regarding the consumer's concerns that we would not disclose any information to her unless she provided some personal information, as you are no doubt aware we are required to validate that we are speaking to the correct individual before we can disclose any information. The consumer is correct that a debt collector is required to identify themselves as such, but only to the party whom they are trying to reach. If a debt collector were to disclose that they were attempting to reach a party for the purposes of collecting a debt, they would be disclosing to that third party that the person they are trying to reach has a debt in collections. This is strictly forbidden without the consumer's permission. For this reason it is required that we validate we are speaking with the correct person before we disclose any information. We cannot disclose any information in responding to the Better Business Bureau, as such responses are made available to the public. If the consumer would like information about the reason for our call, she can feel free to call at her convenience and we will be happy to provide her with the information, once she validates that we are speaking to the correct person. In addition, we sent a letter to the consumer on September 7, 2022 which provides details about the reason we are attempting to reach her.
Initial Complaint
Date:08/30/2022
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 you are unlawfully contacting me and trying to collect money from me for another debt collector that has inaccurate and unverified information on my credit report. I recently ask for a full discloser of this alleged debt. I have not received my sign signature, my original contract or any documents of this alleged debt. By law after 30 days this alleged debt must be deleted. It has been over 45 days, this debt is not mine. Cease and desist all reporting of this alleged debt asapBusiness Response
Date: 08/31/2022
We are in receipt of the complaint of ***** *****, forwarded to our office though the portal on August 31, 2022. 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 on August 11, 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 ever received any correspondence from the consumer prior to this complaint.
Regarding the consumer's request that we cease reporting of this account, please be advised that at no time have we ever reported this account to any credit reporting agency. Any credit reporting of this account would only be handled by the current creditor. If the consumer has any questions or concerns regarding the credit reporting of this account, the consumer would need to contact the current creditor directly. We have placed a hold on the collection activity regarding this account, pending documentation from our client to validate this debt or until the account is recalled from our office.
Customer Answer
Date: 09/01/2022
Complaint: ********
I am rejecting this response because:
my personal information should never be in this companies system. By law I need proof of my signature with this company and the so called current creditor if my signature or contract with my signature is not brought forth then by law it should be removed from your records as well as my credit report .
Sincerely,
***** *****Business Response
Date: 09/01/2022
As stated in our previous response, at no time have we ever reported this account to any credit reporting agency, so there is no credit reporting for Credit Control, LLC to remove from this consumer's credit report. As stated, if there indeed is any credit reporting of this account on the consumer's credit report, it would have been reported by the current creditor, and as such only that current creditor can update or remove any information that they reported. Once again, Credit Control, LLC has NOT reported any information regarding this account to any credit reporting agency.
Regarding the consumer's request for documentation, while we would normally obtain the documentation and provide it to the consumer and assist him with his dispute, unfortunately the consumer stated in a **** complaint received earlier today that he wishes us to cease communication with him. As a result, we are not able to assist him any further or provide him with any documentation. The consumer would need to reach out to the current creditor for any documentation or assistance regarding this account. Credit Control, LLC is no longer able or permitted to communicate with or provide any further assistance to this consumer.
Initial Complaint
Date:08/22/2022
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.
In accordance with the Fair Credit Reporting act Credit Control LLC # ********, has violated my rights. 15 U.S.C **** section 602 A. States I have the right to privacy.15 U.S.C **** Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions 15 U.S. Code ****c 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 debtBusiness Response
Date: 08/23/2022
We are in receipt of the complaint of Marcus ******** received through the portal on August 23, 2022. Upon receipt of your correspondence, we documented this complaint and initiated an investigation into the concerns set forth by Mr. **************************** Mr. ******* expressed concern that Credit Control, LLC has reported this account to a credit reporting agency. 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 performed by Navy Federal Credit Union. Mr. ******* would need to address any questions or concerns regarding the credit reporting of this account directly with Navy Federal Credit Union.
Regarding Mr. *******'s assertion that the Fair Debt Collection Practices Act prohibits a debt collector from communicating with a consumer, unfortunately Mr. ******* only provided a portion of the statement, and left out everything after they hyphen in his quote which which lists exactly what is prohibited by the act. Please see the text below, copied directly from the ***** which includes the text omitted by Mr. *******.
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 -
(1) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 o'clock antemeridian and before 9 o'clock postmeridian, local time at the consumer's location;
(2) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or
(3) at the consumer's place of employment if the debt collector knows or has reason to know that the consumer's employer prohibits the consumer from receiving such communication.Hopefully we have cleared up any confusion. Based on Mr. *******'s complaint, we have placed his account into a cease activity status, pending recall by our client.
Customer Answer
Date: 08/23/2022
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,
Marcus ForwardInitial Complaint
Date:08/17/2022
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.
It has come to my attention that Credit Control, LLC is attempting to collect a debt from me. I have no knowledge of, nor have I ever been in business with Credit Control, LLC. In addition to that Credit Control, LLC has also pulled my credit for inquiries that I didn’t approve of. Accord to The FCRA and FDCPA laws this is illegal and must stop.Business Response
Date: 08/17/2022
We are in receipt of the complaint of ****** *******, forwarded to our office through the portal on August 17, 2022. Upon receipt of your correspondence, we documented this complaint and forwarded a copy to our client.
While we would normally request documentation to validate the debt and forward copies of the documentation to the consumer, unfortunately as the consumer requested no further contact we are not able to assist her further. We are closing our file and returning it to our client. Regarding the consumer's concerns with any credit inquiry that may have taken place, as you are no doubt aware the Fair Credit Reporting Act states that obtaining a credit report as part of the effort to collect a debt is a permissible pull under the act. In addition, at no time has Credit Control, LLC ever reported this account to any credit reporting agency. As we are not able to communicate any further with this consumer, if the consumer has any additional questions or wishes to discuss this account, she can reach out to the current creditor, who will be happy to assist her.
Initial Complaint
Date:08/09/2022
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.
I received a letter of collection with options to pay and the first option was discounted rate if paid by 8//5/22 I paid and they received on 7/22/22. In the amount of $622.00 now they are sending me a bill for the remaining balance of $620. 47 , I have a copy of the agreement and a copy of my check . Will please resolve this . Thank youBusiness Response
Date: 08/25/2022
We are in receipt of the complaint of ****** **********, forwarded to our office through the portal on August 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 as the consumer stated, we received his payment on 7/22/2022, which settled this account. This account is currently in a settled status, pending recall by our client.
Initial Complaint
Date:08/01/2022
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.
Upon creating a settlement agreement, I was told I would receive a receipt for each payment applied, this was not true. When applying double payment one month with leadership, I was not told until after the fact that I had missed payment and that a payment was required once per month this was not in initial documentation. I was also misinformed when contacting that I was paid to date, this was not true. This resulted in issues and had I had appropriate correspondence which was requested by **** when I began payments as well as on each call and I finally said I would settle for e**** when leadership asked me to speak to his "assistant. These miscommunications resulted in leadership who was the one who accepted my double payment one month stating that they would still honor the agreement. Of course, they would have to as all payments were made within the contractual agreement. There was no regard for the customer experience even for someone who was adamantly trying to make timely payments and adhere to all contractual obligation. They should pick one person to handle an account and send all correspondence requested so that an individual has the best opportunity to complete payments and better their credit. BAD BUSINESS PRACTICE the verbiage was vague and negligent seemingly fraudulent.Business Response
Date: 08/05/2022
We are in receipt of the complaint of ******** ****,
forwarded to our office through the portal on August 2, 2022. Upon receipt of your correspondence, we
documented this complaint and sent a copy to our client, **** ** ******** ****
Regarding the consumer’s concerns regarding whether it was
communicated that payments needed to be made on a monthly basis as part of the
settlement agreement, a review of the 2 letters sent to the consumer on 3/31/2022
did outline that payments needed to be made on a monthly basis. Although a payment was missed, we did agree
in good faith to accept a double payment the following month and continue to
honor the settlement agreement. For the
protection of the consumer’s privacy we are not able to provide the breakdown
of payments made and settlement amounts to the BBB, however we have mailed a
letter to the consumer providing a breakdown of each payment applied toward the
settlement of both accounts.
As the final payment was applied to both accounts on 7/22/2022,
providing there are no issues with payment being returned for any reason, we
will **** a letter to the consumer on 8/22/2022 confirming that the accounts
have been settled. We apologize for any
confusion that may have resulted from the consumer having spoken with multiple
representatives while in process of settling these accounts.Initial Complaint
Date:07/22/2022
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 whom this may concern. I have an issue. I had a 2008 nissan altima purchased in 2012. I payed off for this vehicle but apparently there was remaining tax that wasn't payed. Which cause a lean to be on my vehicle. However I got into an accident where the car is total lost so the insurance write off the car. In order for me to be payed the lean has to be removed. I spoke with Adrian Boyd on a recorded line at ###-###-#### gave him all my information even set up to make a payment in the amount of $416.00 which was debited from my account 7/22/22. He told me I could reach him but all I'm getting is voice-mail. He gave me this number ************ and when I call all I can do is leave messages. I called several other numbers and just been getting the run around. Is like all the numbers are link. Is like I'm going around in a circle. All I want is the lean to be removed. I also need correspondence that I payed 416.00 on 7/22/22 and when the lean will be removed. I'm so frustrated and would like matter resolved as soon as possible. My phone# ********** and my email is ***********************
Thank again
Your prompt response is greatly appreciatedBusiness Response
Date: 07/27/2022
We are in receipt of the complaint from ***** *** ********, forward to our office through the portal on July 22, 2022. Upon
receipt of your correspondence, we documented this complaint and forwarded a
copy to our client, ****** ******* ***** ****), making them aware of the
consumers complaint. Upon review of the accounts, they were placed by our
client for third party collections on May 5, 2022. At which time we sent our
letter of representation to ***** *** ********. In reviewing the account and upon our investigation, a payment in the
amount of $416.94 was posted to the account on July 22, 2022 as a settlement
payment to resolve the account in our office. Our client was notified of the payment posting as a settlement and is reflecting
this account as settled. In reference to requesting a lien lift, we have
submitted a request with our client. Miss ******** may also contact them
directly at *************Initial Complaint
Date:07/22/2022
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.
It has come to my attention that Credit Control, LLC is attempting to collect a debt from me in which I have no knowledge of nor have I ever been in business with Credit Control, LLC. In addition to that Credit Control, LLC has also pull my credit for inquiries that I didn’t approve of. Accord to The FCRA and FDCPA laws this is illegal and must stop immediately.Business Response
Date: 07/27/2022
We are in receipt of the complaint from ****** ********, forward to our office through the portal on July 22, 2022. Upon
receipt of your correspondence, we documented this complaint and forwarded a
copy to our client, **** ******* ****** *****, making them aware of the
consumers dispute. Upon review of the accounts, they were placed by our
client for third party collections on January 21, 2022 and an additional account
on January 31, 2022. At which time we sent our letter of representation to Mr.
********. As the consumer has requested
no further communication from our company, we have closed our file regarding these
accounts and have returned them to **** ******* ****** ******Initial Complaint
Date:07/22/2022
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 have never had a transaction with this company but I keep getting spam calls from them my credit is triple A I would like you to down grade their rating and stop them from making harassing calls.Business Response
Date: 07/27/2022
We are in receipt of the complaint from ***** ****, forward
to our office through the portal on July 22, 2022. Upon receipt of your correspondence,
we documented this complaint and forwarded a copy to our client, Quest
Diagnostics, making them aware of the consumers dispute. Upon review of the account, it was placed by our client for third party collections on 06/20/2022. As the consumer has requested
no further communication from our company, we have closed our file regarding
this account and are returning it to Quest Diagnostics.
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