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Business Profile

Credit Reporting Agencies

Birchwood Credit Services, Inc.

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Credit Reporting Agencies.

Complaints

This profile includes complaints for Birchwood Credit Services, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see

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Birchwood Credit Services, Inc. has 2 locations, listed below.

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    Customer Complaints Summary

    • 3 total complaints in the last 3 years.
    • 2 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:09/18/2024

      Type:Billing Issues
      Status:
      Resolved
      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.
      On September 13, 2024 there was an inquiry from BIRCHWOOD CREDIT SERVICES *********. I did not give BIRCHWOOD CREDIT SERVICES, LOWER LLC permission to run my credit. I did not inquire about a loan. I want this removed from my inquires on my credit report and to have BIRCHWOOD CREDIT SERVICES ********* investigated. Now on September 17, 2024 an inquiry from ROCKET VIA PLAID appeared saying it has access to our account for extended access account info . We never inquired about a loan. If there is an inquiry on our credit it HAS TO be removed.

      Customer Answer

      Date: 09/30/2024

      Hi

       

      This letter is to inform you that I received a call back from Birchwood credit services and we appear to have rectified the situation.   Seems my step-daughter was inquiring about a loan.

       

      I appreciate your reaching out to these people so that we could speak with them and find out what was going on.

       

       

       

      Kindest Regards,

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

      **** *******

      MICHAELDANIELZ

      ************ 

    • Initial Complaint

      Date:09/10/2024

      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 writing to file a formal complaint against Birchwood/1st Financial regarding an unauthorized inquiry on my credit report. The details of the inquiry are as follows:Company Name: Birchwood/1st Financial Inquiry Date: July 26, 2024 I have recently reviewed my credit report and noticed this inquiry, which I did not authorize or initiate. I have no existing or prior relationship with Birchwood/1st Financial, nor have I applied for any credit or services with them. As such, I believe this inquiry is a result of either an error or possible identity theft.I have attached copies of my credit report highlighting the unauthorized inquiry and any other relevant documentation for your review. I kindly request that you address this issue promptly and keep me informed of any updates or actions taken.Thank you for your attention to this matter. I look forward to your prompt resolution.

      Business Response

      Date: 09/17/2024

      Birchwood has a comprehensive complaint and dispute resolution process in place to address the concerns of the consumers. We take all formal and informal complaints seriously and a full investigation into your matter has been conducted. Birchwood is a credit reporting agency providing credit reporting products and services to mortgage brokers and lenders as needed to process mortgage loan applications.
      As we understand your complaint, you indicated that there is unauthorized inquiry on your credit report and that you have no existing or prior relationship with Birchwood/1st Financial, nor have I applied for any credit or services with them.


      Based on our investigation and in speaking with your corporate office, it appears that on 7/26/2024, you, as a representative of *****************, had submitted a request to pull your credit report and then on 9/9/2024 your credit was accessed by another representative of ***************** as you both had a call with a manager at Birchwood to assist with that application. Therefore, there was a permissible purpose to pull credit and as such we would not be able to remove this inquiry from your credit report.


      If you are the victim of identity theft, there are resources available to you to further protect your credit. You can contact the three credit bureaus to place a credit freeze. A credit freeze (sometimes called a security freeze) gives you the maximum amount of control over your credit information. It ensures that no one can obtain new credit, loans, or services in your name without your explicit permission. Placing a security freeze on your credit may cause delays in the timely approval of credit applications that you have made. This is because, when you have a security freeze in place,lenders and other credit-related parties will be unable to access your ************************* avoid inconvenience, plan ahead when placing a freeze. Its also important to remember that only you can lift the security freeze, and that you must do so with each of the credit bureaus individually. To place a freeze on your credit you can visit the links below. *********************************************************************************************************************************************************************************************************************
      If you have any additional questions for Birchwood Credit Services, please contact us at ************


    • Initial Complaint

      Date:12/27/2023

      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 did not give BIRCHWOOD CREDIT SERVICES to run my credit. I want this removed from my inquires on my credit report.

      Business Response

      Date: 01/12/2024

      Good Morning,

      Please see the attached letter detailing our investigation into Mr. ******* complaint.  Please feel free to contact me with any questions or concerns at 603-324-7437.

      Thank you,

      Kate S********

      Operations Supervisor

    Birchwood Credit Services, Inc. is NOT a BBB Accredited Business.

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