Complaints
This profile includes complaints for Professional Credit Service's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 54 total complaints in the last 3 years.
- 12 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:09/24/2024
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.
Calls and will not give any information without attempting to collect personal information Each time I have requested that they mail an itemized list of alleged debt, with the original creditor and date of service. Each time the agents are aggressive, attempt to bully into a payment for a "overdue bill" yet refuse to send an itemized statement, a statement of debt owed or any information re=******* the alleged ******* is highly concerning that they state "I cant tell you unless you identify yourself". They request DOB, addresses, phone numbers, middle name and other information that IF it were a legitimate debt that it would be in their file and they could provide some information to verify that it is not a scam
Business Response
Date: 10/01/2024
This communication is from a debt collector.
Thank you for notifying Professional Credit Service of your concerns. We are sorry to hear that you have been frustrated by your interactions with our representatives. Please note that our staff is trained to ensure that they are speaking with the correct individual, prior to disclosing any personal information. This is designed to protect a consumers privacy by preventing the unintended disclosure of information to a third party, who may have the same name as the person we are trying to reach. We apologize if the rationale behind the verification questions wasnt adequately conveyed, and we will request that the information referenced in your complaint be sent to you at the address that we have on file. If you need anything else, please feel free to contact us at ************ or ******************************************************************************************************************.
Sincerely,
Professional Credit ServiceInitial Complaint
Date:07/24/2024
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.
Hello, On July 23, 2024, I received a single piece of paper in an unmarked envelope. The paper is a copy of an alleged "full satisfaction of judgment" against me, *******************************. The plaintiff is listed as Ray Klein, *** dba Professional Credit Services. The case number is 19SC35102. There is neither an amount listed nor creditor listed. I have received absolutely no contact from this company. I scan all of my telephone calls, and have not received one telephone call from this company. Also, I have not been served notice of a claim against me, or any written correspondance from this entity. My bills are paid in a timely manner, and I have nothing outstanding.Business Response
Date: 07/29/2024
This communication is from a debt collector.
Thank you for notifying Professional Credit Service of your concerns. According to our records, you were served with a collection lawsuit on August 24, 2019. Five days after being served with the lawsuit, you contacted our office and indicated that you were interested in discussing settlement options. We were not able to reach an agreement, so you indicated that you would contact us a later date. We spoke with you again approximately one week later, where we informed you that you could enter into payment arrangements to resolve the balance. However, we were not able to agree on a monthly payment amount. According to our records, you indicated that you would call us back, but we did not hear from you, so we requested that the court enter a default judgment. In November 2019, we received a payment that left only a small balance remaining on the judgment debt. In reviewing our records, we recently agreed to waive the remaining balance and accept that payment to fully satisfy the judgment debt.
As a result of the decision to waive the remaining balance, a full satisfaction of judgment was filed with the court to reflect that there is no longer an amount owing on the judgment debt. A copy of that satisfaction of judgment document was then sent to you in accordance with ORS 18.225(2)(b). We apologize for any confusion and hope the explanation above adequately addresses your concerns.
Sincerely,
Professional Credit Service
Initial Complaint
Date:06/24/2024
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.
The service I received from that dentist office, that DAY I paid this bill in full before leaving office ! In the attachment, you wii see this payment. ALSO, I have been harassed several time on this claim.Business Response
Date: 07/15/2024
This communication is from a debt collector.
Thank you for notifying Professional Credit Service of your concerns. Please note that we have updated our records so that you will not be contacted again in the future regarding this account. Additionally, Professional Credit Service has not furnished any information to the credit reporting companies regarding this account and it will not do so in the future. Thank you again and please feel free to contact our Consumer Help Desk at **************************************************** if we can be of further assistance.
Sincerely,
Professional Credit Service
Initial Complaint
Date:06/22/2024
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 been contacted by this company several times. They leave measages that do not even give a business name. I have received text messages. I never had an insurance policy with Safeco. This debt has been sold numerous times. I have it reported, provide proof, and it is removed only for a new company to contact me again a few months later. This issue was addressed by my mortgage lender. I specifically declined this policy after reading all the reviews about their horrible service. This has definitely proven true even without doing any business with them. My insurance agent provided a policy that has been in place since closing and escrowed. I want this debt to not show on my credit and to no longer be contacted. I have submitted a report to the *** as well.Business Response
Date: 07/12/2024
Professional Credit Service is unable to locate an account using the information provided above. Please note that Professional Credit Service is a third-party collection agency and we do not provide collection services on behalf of Safeco. As such, we believe this complaint may have been routed to our company in error. If you have information to the contrary, we would be happy to review the matter further.
Sincerely,
Professional Credit Service
Initial Complaint
Date:06/06/2024
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.
There was never a bill to collect. The bill that they are talking about is Consumer Cellular $57.64. I don&#**;t owe them. I have sent the receipts to them but they are ignoring it. (Account ********; PIN ********** would like for them to confirm that I don&#**;t owe them any money. The bill has been paid in full.Business Response
Date: 06/13/2024
This communication is from a debt collector.
Thank you for notifying Professional Credit Service of your concerns. According to our records, you notified our office of a dispute regarding the account referenced in your complaint and we placed the account on hold to investigate with the creditor. The creditor represented to us that the amount was owed, so we attempted to communicate that information to you. We understand that you disagree with the creditor's position, and, as a result, we will update our records to reflect that you do not wish to receive any additional communication in the future regarding the account.
If you have questions or need additional information from Professional Credit Service, you may contact our Consumer Help Desk at ****************************************************.
Sincerely,
Professional Credit Service
Initial Complaint
Date:05/07/2024
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.
Today I was informed by my employer that DBA credit services is going to be garnishing my wages, from some judgment that was filled in 2020, I was never served any paperwork prior regarding a court appearance at ANY TIME. I would like for PROOF that I had been served the original paperwork for the original court date. This is beyond frustrating considering I had no knowledge of this debt or it would have been paid prior to this garnishment. I have never received any mail regarding this debt or any attempts to contact me by phone.Business Response
Date: 05/17/2024
Thank you for notifying Professional Credit Service of your concerns. According to our records, we mailed you a letter on December 12, 2019,advising you that an account from PacifiCorp had been placed with our office for collection. That letter was mailed to **********************************************************, and it was not returned as undeliverable, so we presumed that it was received.
We then called you at ************ on December 20, 2019,December 31, 2019, and February 19, 2020. We left voicemail messages in each of those instances, but we did not receive a response, so we sent a follow-up letter on February 24, 2020. After we did not receive a response to those calls or letters, we filed a small claims lawsuit on or around March 16, 2020.
On April 13, 2020, you called our office from the ************ phone number and our representative verified that the address in *******, OR was correct.She advised you of the PacifiCorp account, but you indicated that you were calling to resolve a City of Medford Municipal Court account so you could try to reinstate your drivers license. You agreed to a payment arrangement on the City of ******* account, but did not set up payment arrangements on the PacifiCorp account.
On May 17, 2020, the small claims lawsuit was served by substitute service at the Phoenix, OR address, and then copies of the small claims lawsuit were mailed to that same address the next day. Since a response was not filed, we submitted a request for judgment on June 3, 2020, which was granted by the court.
We also attempted to contact you by phone on September 10,2020, January 1, 2024, and March 18, 2024. When we did not reach you or receive a response, we issued a writ of garnishment to your employer on or around March 20, 2024. We are certainly sorry if you didnt receive any of our letters or voicemail messages, but our records show that we made attempts to contact you prior to filing the small claims lawsuit and then again prior to issuing the writ of garnishment. We would be happy to work with you toward voluntary payment arrangements in lieu of the garnishment, if you want to contact one of our representatives at ************. Lastly, we are also attaching copies of the judgment from the small claims case and a copy of the certificate of service that was submitted to our office by the third-party process server. If you need anything else, please do not hesitate to contact us directly.Sincerely,
Professional Credit Service
Initial Complaint
Date:04/04/2024
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.
We received notification that a utility bill had been sent to collections, I attempted to pay the bill in full a couple of days after receiving it. The company would not allow me to do a same day payment, the soonest they would allow me to make the payment was 5 days out. I went and made the payment online and just waited. 3 days before the payment was due to debit my account I went online to double check the amount and saw that the balance had increased by $173. I called to find out what happened and was told the company had added their fee since the payment was not made within 30 days. I told the rep I went online the day I received the bill in the mail and made a payment but it would not allow a same day payment and forced me to date it out 5 days which apparently made the account over 30 days past due. The rep said I dont know what to tell you. After getting off the phone with the rep I cancelled my scheduled payment and did a payment plan for 3 payments of about $315 over 3 months since I wouldnt be able to cover the full $923 balance. My account was debited the installment the next day(if you do installments it allows you to pay same day). Today(04/04) I looked at my account and saw that they had charged my account the original $748 that I had cancelled when I made the arrangement and a separate charge for the $173 additional fees they added after 30 days which I never authorized them to charge my account. The only time I addressed these fees were when I asked the rep what they were. This company made it impossible for me to get them payment in full before their self imposed cut off date and then charged my account multiple times one charge of which was never authorized by me. This overdrafted my bank account and made it so I cant take care of other bills on top of multiple fees from my bank.Business Response
Date: 04/12/2024
This communication is from a debt collector. Thank you for notifying Professional Credit Service of your concerns. After receiving the complaint, we listened to the call recording to determine whether the representative failed to cancel the payment scheduled for April 3, 2024. It sounded like you told the representative that the payment already set up for the 3rd was fine, but you didnt know when you could pay the smaller amount. We apologize if we misunderstood you and you intended for us to cancel that payment.
We did submit a request to process a refund to your credit card on April 10, 2024, for $173.38, since you tried to resolve the account prior to that amount being added. To clarify, that collection fee is added pursuant to ORS ******* after notice of the account has been provided and the account has not been paid in full. Here, it also looks like we recently received notification from the bank that the *** payment of $748.22 was cancelled as unauthorized. As such, the account will still show a balance in due in our office.
We would be happy to work with you to resolve the balance for the original amount of the bill placed with our office by the City of ********,which would include waiving the collection fee added pursuant to ORS *******. We would also welcome the opportunity to address any other questions or concerns that you may have. Again, we apologize for any confusion you may have experienced and hope that you will contact us if we can be of assistance.
Sincerely,
Professional Credit ServiceInitial Complaint
Date:03/22/2024
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.
Repeatedly calls demanding money for a debt that is included in bankruptcy. They've been given our attorneys information and they persist in calling. Apparently they believe laws do not pertain to them. One more call and we file a formal legal complain.Business Response
Date: 04/05/2024
This communication is from a debt collector.
Thank you for notifying Professional Credit Service of this individual's concerns. We reviewed the Public Access to Court Electronic Records database and the most recent bankruptcy we were able to find for this individual was filed in 2010. According to our records, the accounts that were referred to collection were for services provided on or after 11/2/2018. As such, we do not have any information that would suggest these accounts were included in a bankruptcy. However, we have updated our records to reflect that this individual does not wish to receive additional communications in the future regarding these accounts. If he changes his mind or has questions in the future, he may contact us at his convenience.
Sincerely,
Professional Credit Service
Customer Answer
Date: 04/08/2024
Complaint: 21474068
I am rejecting this response because:
Your agents were given outr CURRENT attorneys information l. You've CHOSEN to ignore it. So I'll provide it as an attachment and be filing a harassment suit in the circuit court.
Sincerely,
***************************Customer Answer
Date: 04/08/2024
Attatched is a copy of the letter they were sent. This same info was given to their representatives by phone a total of 17 times.Customer Answer
Date: 04/09/2024
**** has all the information your reps have been supplied now 19 times. I keep excellent records. Do not contact us again. Now everyone knows you've been given our attorneys information. Including the BBB.
Oh and quit having your agents say they represent a law firm, that's fraud ad they were dumb enough to leave it on a voicemail.
Business Response
Date: 04/12/2024
This communication is from a debt collector.
Thank you for providing additional information to Professional Credit Service. We have updated your file with the information that you provided and we appreciate the clarification regarding your intent to file bankruptcy. Based on the prior communications, we understood the dispute to mean that the accounts had been included in a bankruptcy case that had either already been filed or discharged, so the clarification is extremely helpful.
If you would like to provide additional information about the content of the voicemail message, we would be happy to review that further as well. Our understanding is that the messages are based on a script in which the name of the company is identified (Professional Credit Service) and the representative discloses that (1) we have an important message and (2) the communication is from a debt collector. If the message that you received was inconsistent with that script, we would appreciate it if you could either forward the message file to us via email at **************************************************** or provide additional clarification regarding what specific language was used that suggested it was from a law firm. Thank you again for taking the time to both clarify and share the additional information with our office.
Sincerely,
Professional Credit Service
Initial Complaint
Date:02/26/2024
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 insurance through my parents and medi-cal. The hospital billed the insurance but not the medi cal and this collection company came ruin my credit and I have done nothing. They keep billing me falsely.Business Response
Date: 03/06/2024
This communication is from a debt collector.
Thank you for notifying Professional Credit Service of your concerns. We have placed the accounts referenced in your complaint on hold while we investigate your concerns with the creditor who referred the accounts to Professional Credit Service for collection. It was unclear from the documentation that you supplied whether a copy of the statement of financial condition was also sent to the creditor, or whether the insurance benefits card you provided was also active prior to the issue date listed on that card (which was dated after the dates of service for the accounts referred to our office). If you have additional information that you believe would be helpful for us to review with the creditor, you may also supply that to our Consumer Help Desk via email at ****************************************************.
Lastly, we would clarify that we have not reported any of the accounts referenced in your complaint to your credit. Our understanding is that they are not eligible to appear on your credit report, due to the balance of the accounts. Please feel free to contact us directly if we can be of further assistance.
Sincerely,
Professional Credit Service
CA License No. ********
Customer Answer
Date: 03/06/2024
Complaint: 21351510
I am rejecting this response because:they should check with ****** Health because they told me there re billing and its a error on there part
Sincerely,
Aadon GhioneInitial Complaint
Date:02/12/2024
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.
Ray Klein Professional Credit Services garnished my bank account for a debt I know nothing about that was apparently brought into judgement 12-1-2015. I watch my ****************************** very closely & have no such debt they are claiming. This supposed debt is well over 8 yrs old, making it a time barred debt that expired over 2 yrs ago. The money they stole from my bank account last week all comes from state assistance, making it exempt moneys they cannot legally touch. What they did is illegal. There are multiple ********************* against them for doing to others what theyve done to *** ******** been reported on by the news as well. I am contacting a lawyer, & the news today.Business Response
Date: 02/21/2024
This communication is from a debt collector.
Thank you for notifying Professional Credit Service of your concerns. According to our records, we made attempts to contact you by phone and by letter at the last known contact information that we had prior to issuing a writ of garnishment. While we have not received any funds from the garnishment as of the date of this response, you are free to challenge to garnishment with the court if you believe that the funds in the account should have been exempt. Please note that Professional Credit Service is not given the opportunity to see what funds might exist within an account and we have not received any documentation from the bank suggesting that the funds are exempt. If you have documentation that suggests Professional Credit Service might be receiving exempt funds, we would be happy to review that further and you can email those documents to **************************************************** or mail them to ** at PO Box 7637, *************** 97475.
Additionally, our understanding is that judgments in ****** are enforceable for 10 years, with the right to renew the judgment for an additional 10 year period under certain circumstances. As such, we do not believe that the judgment debt referenced above is time barred. If we can be of assistance or if you would like to discuss a resolution of the judgment debt, please feel free to contact us directly.
Sincerely,
Professional Credit Service
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