Complaints

This profile includes complaints for CardWorks Servicing LLC's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  CardWorks Servicing LLC

  101 Crossways Park West Woodbury, NY 11797

• 

  CardWorks Servicing LLC

  PO Box 9216 Old Bethpage, NY 11804-9016

• 

  CardWorks Servicing, LLC

  PO Box 31032 Tampa, FL 33631-3032

• 

  Card Works Servicing

  PO Box 23356 Pittsburgh, PA 15222-6356

• 

  CardWorks Servicing LLC

  100 Colonial Center Pkwy, Suite 500 Lake Mary, FL 32746

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.

• Initial Complaint

  Date:05/16/2025

  Type:Billing Issues
  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.

  CW Nexus Reported a acct to all 3 bureaus on May 1 *****, on the same day I called Experian to to find out a number to dispute the account because. *** never had a nexus credit. I was given the number **********. The number does not get you to CW Nexus. I called bureau back advised them that the number was invalid. They pretty much said this is what ******** provides as contact information. I was then given an incomplete address of ********************************************************. Very frustrated I keep searching for a way to contact the creditors that has access to report my credit information but they had no way to contact them, nor pay if Id Like . AFTER HOURS of looking I found a list of number here on the BBB. I called each one until I reached a ******* Smithfield colllection agency that said they had an account from a previous creditor I had had ******************* . ( totally illegal) They quoted me a past due balance of ******* $ for *******************. I paid this full amount immediately I received a paid IN FULL LETTER FROM ******* Smithfield stating . The cw nexus ( original creditor ******* bank had been paid In Full ( I enclosed an attachment below) However CE NEXUS IS STILL REPORTING MY ACCOUNT TO ALL 3 bureaus , THE ACCOUNT IS LISTED AS a CREDIT CARD not collection this account WAS A ********************** card from ******* bank that cw nexus bought This account is Paid to full and should NOT be listed AS a CREDIT Card IT Should BE DELTED I am requesting that you delete this account 1. THE **** WAS SOLD TO ******** I NEVER HAD ACCOUNT WITH CW NEXUS This IS against Federal Law for them even report this . 2. THIS ACCOUNT IS PAID IN FULL 3 THE ACCOUNT IS BEING INACCURATELY REPORTED ( AGAIN AGAINST FEDERAL LAWS)

  Business Response

  Date: 06/05/2025

  We are in receipt of your correspondence dated May 16, 2025,regarding the above-referenced account for our customer ******** ******.
  
  Our records indicate that the customers account was opened with *******************. Due to non-payment, the account charged off with an outstanding balance. At charge-off, ownership of the account was transferred to CW Nexus Credit ******************* I, and the account was placed with the third party collection agency, Carson Smithfield, LLC for servicing, as allowed per the cardholder agreement.
  
  The customer recently spoke with the collection agency and paid the balance in full. The account was accurately reported as paid in full,was a charge off. Please note that we do not delete tradelines in exchange for payment.
  
  The Fair Credit Reporting Act (FCRA) requires that, as a furnisher of information to consumer reporting agencies, we report accurate information regarding a consumers account history. We have reviewed the account and determined that the information reported was complete and accurate as of the date(s) we furnished it. While we report accurate information, the way in which this information is displayed is at the discretion of each consumer reporting agency. Upon review, we determined that not all credit bureaus were accurately displaying the account as paid in full, was a charge off. As such, we submitted an ************************ form (AUD) to request that they update their reporting to match our records.
  
  While we regret any dissatisfaction, CW Nexus Credit ******************* I does not offer customer support via phone. If the customer has further questions, we request that they please contact us via our correspondence address. A letter was sent directly to the customer with further information.
  
  Thank you for the opportunity to respond.
  
  Sincerely,

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

• Initial Complaint

  Date:05/14/2025

  Type:Billing Issues
  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.

  In April 2025, a derogatory collection account was reported by Carson Smithfield LLC on behalf of *********************, N.A.). I never received prior notice or a formal debt validation before this was placed on my credit report. I called Carson Smithfield directly and was told they do not honor pay-for-delete agreements, and they are unwilling to work toward a resolution that reflects my efforts to address this account. This negatively impacts my credit profile during a critical time of financial rebuilding. I am requesting this complaint be reviewed due to the lack of transparency, refusal to negotiate in good faith, and the harm it continues to cause to my credit standing.

  Business Response

  Date: 05/19/2025

  We are in receipt of your letter regarding the complaint (#********) filed with your office by ****** *******.
  
  Our records indicate that the account was opened with OpenSky with an electronic application and subsequently used for purchases. The account was charged off with an outstanding balance and placed with Carson Smithfield, LLC for servicing.
  
  The customer recently spoke with a representative and requested to settle the account and have it removed from their credit report.While we regret their dissatisfaction, as advised, OpenSky does not accept settlements for less than the full balance and does not delete tradelines in exchange for payment.
  
  We have no record of a prior request for debt validation. A letter was sent to the customer in response to the ******************** complaint with validation documents.
  
  Please note that Carson Smithfield is a third party collection agency contracted by the creditor to collect on the balance. Carson Smithfield is not a creditor and is not responsible for the reporting of your account to the ********************** ******************* We recommend that any credit reporting inquiries be directed to OpenSky at their correspondence address. 
  Thank you for the opportunity to respond.
  
  Sincerely,
  
  Carson Smithfield
  Customer Service

• Initial Complaint

  Date:05/13/2025

  Type:Billing Issues
  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.

  Cant get ahold of anyone to verify that this is real , and find a possible solution why this shows up now. I call the number on the credit report and it says call the number on the back of my credit card then hangs up. Its from 2016, I dont have any credit cards now from back then.

  Business Response

  Date: 05/22/2025

  Our records indicate that the customer's account was opened with ******************* using an electronic application. Due to non-payment, the account charged off with an outstanding balance. At charge-off, CW Nexus Credit ******************* I became the owner of the account.

  We received Automated Consumer Dispute Verification (ACDVs) forms filed through the Consumer ****************** (****) disputing the reporting of the account. In each instance, the account was reviewed, and responses were provided directly to the **** confirming that the account is reporting accurately.

  The Fair Credit Reporting Act ("FCRA") requires that, as a furnisher of information to consumer reporting agencies, we report accurate information regarding a consumer's account history. We have reviewed the account and determined that the information reported was complete and accurate as of the date(s) we furnished it. As such, in the absence of additional facts, we will not change the reporting of the account to the ********************** reporting agencies.

  A letter with additional details was sent directly to ******* ** *****, along with account validation documents. while we regret any inconvenience that the customer experienced, we do not offer customer support via phone. If the customer has additional concerns, we request that they contact us in writing via our correspondence address, which was provided in the response we issued to the customer.

   

• Initial Complaint

  Date:04/07/2025

  Type:Order Issues
  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 Carson Smithfield LLC I do not have a contract with Carson **************. They did not provide me with the original contract as requested.

  Business Response

  Date: 04/14/2025

  We are in receipt of your letter regarding the complaint (#********) filed with your office by ****** ********.

  Our records indicate that the account was opened with ******************* with an electronic application and subsequently used for purchases. The account was charged off with an outstanding balance and placed with Carson Smithfield, LLC for servicing. 
  
  We have no record of a prior request for debt validation. A letter was sent to the customer in response to the ******************** complaint with validation documents.
  
  Please note that Carson Smithfield is a third-party collection agency contracted by the creditor to collect on the balance;however, ******************* remains the owner of the account. ******************** is not a creditor and is not responsible for the reporting of the customers account to the ********************** ******************* We recommend that any questions regarding credit reporting be directed to ******************* at **** *** ***** *** ********* ** ***********
  
  Thank you for the opportunity to respond.
  
  Sincerely,
  
  ****** **********
  ******** *******

• Initial Complaint

  Date:04/04/2025

  Type:Billing Issues
  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 an invalid account reported by **************** on my credit report. This account is inaccurate, unverified, and violates the Fair Credit Reporting Act (FCRA). Since it does not meet the legal standards for reporting, I request its immediate removal. If the furnisher cannot provide proper validation, it must be deleted per federal law.** ****** ****

  Customer Answer

  Date: 04/04/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me and the matter has been resolved.
  
  Sincerely,
  
  ******* *******
  
  
  
   
  
  

• Initial Complaint

  Date:04/03/2025

  Type:Order Issues
  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 Carson Smithfield LLC, I do not have a contract with Carson Smithfield LLC. They did not provide me with the original contract as requested.

  Business Response

  Date: 04/10/2025

  We are in receipt of your letter regarding the complaint (#********) filed with your office by ****** ***** *****.
  
  Our records indicate that the account was opened with ******************* with an electronic application and subsequently used for purchases. The account was charged off with an outstanding balance and placed with ***** Smithfield, LLC for servicing. Following this, the customer accepted an agreement to settle the balance, but only one payment was received. As such,the settlement failed and the balance remains outstanding.
  
  Please note that Carson Smithfield is a third-party collection agency contracted by the creditor to collect on the balance;however, ******************* remains the owner of the account. ******************** is not a creditor and is not responsible for the reporting of the customers account to the ********************** ******************* We have forwarded the customers concerns to ******************* and recommend that any additional inquiries be directed to them at **** *** ***** *** ********* ** ***********
  
  We have no record of a prior request for debt validation. A letter with additional details was sent directly to ****** ***** *****, along with account documents.
  
  Thank you for the opportunity to respond.
  
  Sincerely,
  
  ****** **********
  Customer Service

• Initial Complaint

  Date:03/10/2025

  Type:Billing Issues
  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 account info is not correct. It is different from the other 2 credit reporting services.

  Business Response

  Date: 03/25/2025

  BBB Complaint ID # *****************************
  
  Our records indicate that the account was paid in full and closed at the customer's request. We confirmed that the account is currently reporting as paid and closed with all credit bureaus. In the absence of additional facts, we will not change the reporting of the account to the ********************** reporting agencies. We recommend that the customer contact these agencies for more information regarding the display of their credit details.
  
  A response with additional details was sent directly to **** *******.
  PO **************************

• Initial Complaint

  Date:12/23/2024

  Type:Billing Issues
  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 15 U.S.C 1681s-2(a)(1)(A) and (B)to report inaccurate informationPlease DELETE this information from my credit report, pursuant to section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, and send the required notifications to all furnishers of this information.Section FCRA 611(a)(6)(B)(iii) and (7) of the Fair Credit Reporting Act, 15 U.S.C. 1681i, and send the required notifications to all furnishers of this information. Fair Credit Reporting Act, 15 U.S.C. 1681s-2 Section 623(a)(8)(D) Section 603(p), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623(a)(7).According to 15 USC 168i(15) the credit bureaus have to modify or Delete fraud Account that are not reporting accurately. According to 15 USC 1681b(1) the credit bureaus dont have no written permission. According to 15 *** 1681 have the right to privacy According to 15 USC 168s- 2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate . (B) Reporting information after notice and confirmation of errors According to 15 *** 1681 I have the right to privacy According to 15 *** 1681s-2 A person shall not furnish any information relating to a consumer to any any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. (B) Reporting Information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency (i) The person has been notified by the consumer, at the address specified by the person for such Notices, that specifies information inaccurate, and (ii) the information is, in, fact, inaccurate. CW NEXUS CREDIT CARD Amount:$3493 Date:1/20/2017 Acct#****************

  Business Response

  Date: 01/06/2025

  We are in receipt of your correspondence on December *******, regarding the account for our ********************** ****** B.*********.
  

  Our records indicate that the customer's account was opened with ******************* with a paper application, including the customer's signature.Subsequently, the account was used for purchases and payments were received.Due to non-payment, the account charged off with an outstanding balance. Upon charge-off, CW Nexus Credit ******************* I became the owner of the account.
  
  As per the enclosed Cardholder Agreement, We may report information about your account to ********************** bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.
  
  We received the customers Automated ********************** Dispute Verification form (ACDV) filed through the credit bureau disputing the reporting of the account and claiming identity theft. Based on the results of our investigation, the fraud claim was denied as the account information matches their personal records. As such, a response was provided directly to the consumer reporting agency confirming that the account is reporting accurately.
  
  Upon receipt of the customers complaint, we conducted an investigation regarding their claim of identity theft. The claim was again denied based on the above investigation.
  
  We received notification that the customers account was included in a bankruptcy filing. As such, we have submitted a request to the consumer reporting agencies to delete the tradeline associated with this account from their personal credit file. We appreciate their patience while they comply with the requested update.
  
  A letter with additional details and validation documents was sent directly to ****** ** *********.
  
  Thank you for the opportunity to respond.
  CW Nexus Credit ********************, as administrator
  
  Customer Service Department

• Initial Complaint

  Date:11/06/2024

  Type:Service or Repair Issues
  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.

  Marrick Credit card company sold my credit card debt to CWS/CW Nexus. I do not owe anything to Nexus. They never provided me with any paperwork proving I owed them money. They have this debt on my credit report. I want this removed as I do not owe them any monies whatsoever.

  Business Response

  Date: 11/13/2024

  We are in receipt of your correspondence dated November ******, regarding the above referenced account for our customer ****** K.*******.
  
  Our records indicate that the customer's account was opened with ******************* using an electronic application and subsequently used for purchases. Due to non-payment, the account charged off with an outstanding balance. We have no record of a previous request for debt validation.
  
  At charge-off, CW Nexus Credit ******************* became the owner of the account and ********************, LLC, was contracted to collect on the outstanding balance. The customer's ********************** agreement authorizes ******************* to sell the account or transfer the rights to collect on the account at any time. In using their ******* account for purchases, the customer agreed to abide by these terms. As such, the balance remains owed to CW Nexus Credit ******************* under the terms of the customer's existing agreement.
  
  The Fair Credit Reporting Act (FCRA) requires that, as a furnisher of information to consumer reporting agencies, we report accurate information regarding a consumers account history. We have reviewed the account and determined that the information reported was complete and accurate as of the date(s) we furnished it. As such, in the absence of additional facts,we will not change the reporting of the account to the ********************** reporting agencies.
  
  A letter with additional details was sent directly to ****** ** *******, along with account documents.
  
  Thank you for the opportunity to respond.
  

  CW Nexus Credit ********************, as administrator
  Customer Service Department

• Initial Complaint

  Date:10/15/2024

  Type:Sales and Advertising Issues
  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.

  ********** Im not liable debt It has come to my attention that you have illegally reported my personal information to unaffiliated third parties without providing the required disclosures. Pursuant to 15 U.S. Code 6802, you are legally required to provide me with three specific disclosures. After thoroughly reviewing all documents provided by your institution, I have found that none of these documents contained the necessary disclosures as mandated by 15 U.S. Code 6802(b).I have identified inaccuracies in the accounts listed on my ********************** report. This agency is in violation of 15 U.S. Code 1681i. According to 15 U.S. Code 1681i:(5) Treatment of Inaccurate or Unverifiable Information:"Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate."

  Business Response

  Date: 10/29/2024

  We are in receipt of your correspondence dated October *******, regarding the above referenced account for our customer Rowney *. *****.

  Our records indicate that the customer's account was opened with ******************* and used for purchases. Due to non-payment, the account charged off with an outstanding balance. Subsequently, CW Nexus Credit ******************* became the owner of the account. The customer's ********************** agreement authorizes us to report information regarding the account to ********************** bureaus. In using the account for purchases, the customer agreed to abide by these terms.
  

  The Fair Credit Reporting Act (FCRA) requires that, as a furnisher of information to consumer reporting agencies, we report accurate information regarding a consumers account history. We have reviewed the account and determined that the information reported was complete and accurate as of the date(s) we furnished it. As such, in the absence of additional facts,we will not change the reporting of the account to the ********************** reporting agencies.

  Thank you for the opportunity to respond.
  
  ** ***** ****** ********************* ** *************
  ******** ******* **********