Complaints

This profile includes complaints for Professional Credit Service's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Professional Credit Service

  400 International Way Ste 100 Springfield, OR 97477-7002

  
• 

  Professional Credit Service

  12204 SE Mill Plain Blvd Ste 101 Vancouver, WA 98684-6027

• 

  Professional Credit Service

  1435 NE 4th St Ste A Bend, OR 97701-4268

• 

  Professional Credit Service

  PO Box 7548 Springfield, OR 97475-0039

  

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:12/07/2023

  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.

  Im not liable for this debt with PROFESSIONAL CREDIT SERV I do not have a contract with PROFESSIONAL CREDIT SERV . They did not provide me with original contract as requested

  Customer Answer

  Date: 12/07/2023

  ************* Account number

  Customer Answer

  Date: 12/08/2023

  This is proof that I contacted the business requesting the original contract

  

  Business Response

  Date: 12/13/2023

  This communication is from a debt collector.

  
  Thank you for contacting Professional Credit Service regarding this matter. Please note that Professional Credit Service is a third-party collection agency. As such, you would not typically have a contract with us directly.
  
  According to our records, we spoke with you on April 21, 2022, and you indicated that you were going to look into the account to determine if the amount was owed and then call us back after you had an answer. We did not receive a call back and we do not have any information associated with that call that suggests you asked for a copy of an agreement at that time. However, we did recently receive the email that you attached to your complaint where you did request additional documentation. We would be happy to provide you with that documentation as soon as possible. If you have additional questions, please feel free to contact our Consumer Help Desk at ****************************************************.

   

  Sincerely,

  Professional Credit Service

• Initial Complaint

  Date:12/05/2023

  Type:Product 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 was told I had a debt from early **** for $400 peace helth sold my debt I was contacted last week by them and told I had a judgment against me I told them that I had no idea about this and that I wasn't even in the state when this happened I was going to contact an attorney to see what I could do and what my rights were with peace health they withdrew $2,000 that wasn't even my money we had saved for a woman that's unhoused and a fundraised all that money to use for her tomorrow to gift her for Christmas so she could get an apartment here in town for her and her two children without any warning they garnished it I did never saw the judgment letter I never saw that I was supposed to go to court I didn't even live at the address that they sent it to I cannot believe that this has happened and I can't believe that they are legally allowed to do this with a medical bill that was under $500 after the act of 2023 for medical billing and disgusted and now I can't give this woman that and I have to pay back everyone who donated which are hundreds of people this is disgusting

  

  Business Response

  Date: 12/13/2023

  This communication is from a debt collector.

  Thank you for notifying Professional Credit Service of your concerns. According to our records, we attempted to contact you on December 7th to discuss a partial garnishment release, but we were not able to reach you. Our notes say that the representative left a brief voicemail message, but we have not yet received a response. Please call our office at ************ at your earliest convenience, so that we may speak with you regarding this matter. Thank you again and we hope to hear from you soon.

   

  Sincerely,

  Professional Credit Service

• Initial Complaint

  Date:11/11/2023

  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.

  I received a notice that I have a collection from PROFESSIONAL CREDIT SE on my credit report. It says it was opened on 06/30/2023 for $968.00 with account number starting in ************ that I am not aware of nor am I responsible for. I never went into business with this company or signed any agreements with them so they should not be reporting anything on my credit. This is a violation of my rights as a consumer according to the **** and FDCPA.I would like for this collection to be removed ASAP or I will file a CFPB and FTC report.

  

  Business Response

  Date: 11/29/2023

  This communication is from a debt collector.

  Thank you for notifying Professional Credit Service of your concerns. Please note that Professional Credit Service is a third-party collection agency that works on behalf of creditors to reach out to consumers to resolve past due accounts. As such, you would not have signed any agreement directly with Professional Credit Service.

  According to our records, we have sent two letters and attempted to contact you by phone twice, but we have been unable to reach you. Based on your representation that you were not aware of the account, we will submit a request to have the account removed from your credit report. If you have questions or need additional information, please do not hesitate to contact our office.

  Sincerely,

  Professional Credit Service

• Initial Complaint

  Date:10/27/2023

  Type:Service or Repair 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've been doing autopay for a while and didn't know it ( I know I'm dumb) I am changing banks and noticed it. I called PCS and was told I was paid off last December 2022 I looked in to it. ***************** was sued for fraud and lost PCS. I stopped payments and started a fraudulent charges from December22 to September 23. I looked up the parent company listed and called them. They've never heard of the company. I might not have all the information.

  

  Business Response

  Date: 11/08/2023

  This communication is from a debt collector. Thank you for notifying Professional Credit Service of your concerns. Our understanding is that you were able to speak with one of our representatives on November 7th and clear up the confusion regarding what accounts you were making monthly payments on. We apologize if your conversation with one of our other representatives shortly before filing this complaint contributed to any of your confusion and we truly appreciate the opportunity to work with you. If you have questions or need any additional information from Professional Credit Service in the future, please do not hesitate to contact our Consumer Help Desk at ****************************************************.

   

  Sincerely,

  Professional Credit Service

  Customer Answer

  Date: 11/08/2023

   
  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.
  
  Sincerely,
  
  *****************************

• Initial Complaint

  Date:10/17/2023

  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.

  I jeep getting bills from Professional Credit Service (collections) stating that I owe $1922.00 to ANESTHESIA. I had surgery on 2/17/23, and all was covered by my health insurance, ************************ at the time.

  

  Business Response

  Date: 10/27/2023

  This communication is from a debt collector. Thank you for notifying Professional Credit Service of your concerns. We are contacting the creditor to investigate your statement that the charges were covered by your insurance provider. We have also updated our records to reflect that you do not wish to receive further communication regarding this account. If you need additional information from us, please feel free to contact our Consumer Help Desk at ****************************************************.

   

  Sincerely,

  Professional Credit Service

  Customer Answer

  Date: 10/30/2023

   
  Complaint: 20741429
  
  I am rejecting this response because:
  The problem has not been resolved yet.  I want this cleared up as soon as possible so that I stop getting collection notices.

  
  Sincerely,
  
  Cariljna Kreysa

  

  Business Response

  Date: 11/02/2023

  This communication is from a debt collector.

  On behalf of Professional Credit Service, we would like to apologize if our prior response did not adequately address your concerns. We attempted to convey that we have no intention of contacting you again in the future. That means we will not be sending you any additional collection notices regarding the account referenced in your complaint.

  Sincerely,

  Professional Credit Service

  CA License Number ********

• Initial Complaint

  Date:09/27/2023

  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.

  I am a disabled Veteran who was sent to a PeaceHealth Facility for an issue that could not be treated in a timely manner through the VA. The VA authorized the visits through the ************** Act, and I have received a letter from them stating that they were billed for services, and my liability for any payment is $0. The VA has denied PeaceHealth's claim as I was listed as a "Veteran's Dependant" instead of a Veteran. PeaceHealth has been told by both myself and the VA that this would be covered if they resubmit the claim with the correct information. I have since been harrassed Professional Credit Service. ******* who called me yesterday actually had the stones to say to me "We closed over 5 minutes ago are you going to pay or not" after calling me. Is it wrong of me to expect professionalism from your Customer ********************** Reps, especially when they are calling people attempting to extort them for Money? If that rep was one of my agents they would get written up for a Core values violation.

  Customer Answer

  Date: 09/28/2023

  Please provide your desired outcome. What are you seeking from the business?  

  Essentially I'd like to have a manager pull and review the call placed to me by their agent, and respond to my Grievance. Either a reply that they didn't hear anything wrong, or that they are taking appropriate action as needed to ensure that others are not permitted to be mistreated in the manner I was. 

  

  Business Response

  Date: 10/09/2023

  Thank you for taking the time to provide Professional Credit Service with this valuable feedback. We strive to provide excellent customer ********************** and to ensure that every individual feels like they have been treated with dignity and respect. We would like to offer our sincerest apologies if your interaction with our representative fell short of that **** and we appreciate that you shared this information. This feedback allowed us to provide some additional coaching to our staff and it will give us some material to incorporate into future training sessions to ensure that other individuals do not have a similar experience. With respect to the account referenced in your complaint, we have placed our file on hold while we reach out to the creditor with the information that you provided regarding VA coverage.

  Please feel free to contact our Consumer Help Desk at **************************************************** if we can be of further assistance.

  Sincerely,

  Professional Credit Service

  This communication is from a debt collector.

• Initial Complaint

  Date:09/18/2023

  Type:Customer Service 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.

  1. PCS filed a writ of garnishment after making zero attempt to contact me regarding this debt prior to filing the writ of garnishment. 2 PCS made no attempt to serve the writ of garnishment to me either by certified mail nor in person. 3 PCS claims that they did not have contact information for me despite contact being made between us in 2019 and 2021 regarding other debts which I had pulled from them and paid directly to the respective courts. 4 PCS employees insist that a writ of garnishment is not necessary to serve me during multiple recorded phone conversations; today Monday September 18 2023 at approximately 5:15 pm and 11 am. Both employees I spoke with repeated multiple times that the call is being recorded. PCS violated my civil rights by not allowing me to provide a response before garnishment, nor did they make any attempt to contact me regarding this debt prior to filing for the garnishment. Their employees are rude and cant seem to tell the truth even when being recorded themselves.

  

  Business Response

  Date: 09/29/2023

  This communication is from a debt collector. Thank you for notifying Professional Credit Service of your concerns. We recently received a similar complaint that was filed with the ****** ********** of ******* and we have provided a response to try to clarify some of the confusion surrounding the information detailed in your complaints.
  As noted during your recent telephone call with one of Professionals attorneys, the certified mailing requirement applies to the delivery of the writ of garnishment to the garnishee. In this case, your former employer was the garnishee. There is a separate section under Oregon law ORS ****** which sets forth the requirements for delivering documents to the debtor and that section merely states that the documents need to be mailed. Those documents were mailed to you at your last known address, which matches the address listed in the complaint. Additionally, our understanding is that Professionals representatives never said that it was unnecessary to provide you with a copy of the garnishment documents. Instead,they expressed that their understanding was that the documents were not required to be sent to you by certified mail.
  We certainly apologize if you felt that this information was not communicated to you in a professional manner or if you felt that those representatives were being rude. We also appreciate you taking the time to share your concerns, so that we could attempt to provide clarification to address those concerns. Lastly, based on your previous requests, Professional does not intend to communicate with you any further.
  
  Sincerely,
  Professional Credit Service 

  Customer Answer

  Date: 10/02/2023

   
  Complaint: 20623533
  
  I am rejecting this response because:

  on a recorded line, the attorney and 2 representatives told me they did not have to follow fair debt collection practices because these are traffic tickets 
  

  Nothing was mailed to me. I challenge PCS to produce the recorded calls from that week and the prior conversations with my wife as well. Its shameful how much they will lie and cheat without repercussion.  They lean on a broken system to facilitate their unfair collection practices. 
  
  Sincerely,
  
  *************************

• Initial Complaint

  Date:09/08/2023

  Type:Customer Service 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.

  PCS is a debt collector that works with ********* Clinic. This company has terrible communication. I am being sued for a bill that I did not know existed on an account that I did not know existed. We received bills to my address in my husband's name and I paid these. We were not informed about the other account. I went back through my phone records and there was not even a phone call informing me of this situation. This business has shady practices and needs to be investigated.

  

  Business Response

  Date: 09/18/2023

  This communication is from a debt collector.

  Thank you for notifying Professional Credit Service of your concerns. We are very sorry to hear that you are unhappy with the level of communication that occurred with respect to the accounts in our office. Our understanding is that you filed a response to the collection lawsuit referenced in your complaint and that our office recently mailed you a letter with information regarding the accounts included in that lawsuit. Please note that letter was sent prior to us having an opportunity to review the concerns that you expressed in this complaint. As a result, we would like to clarify that Professional Credit Service would be willing to dismiss the collection lawsuit against you in exchange for a voluntary monthly payment arrangement.

  If you would like to contact us to make those arrangements and have the collection lawsuit dismissed, please do not hesitate to call us at ************. Thank you again for notifying Professional Credit Service of your concerns and please let us know what else, if anything, we can do to assist you.

   

  Sincerely,

  Professional Credit Service

• Initial Complaint

  Date:08/01/2023

  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.

  The account details are as follows:Account Name: ********************** Account Number: ***************************Balance: $350 Monthly ************ ******** Account Information:Address: P O BOX **** ***********, ** ***** Phone: ************** Date Opened: 03/25/2020 Responsibility: Individual Account Account Type: Open Account Loan Type: COLLECTION AGENCY/ATTORNEY Date Updated: 07/28/2023 High Balance: $289 Original Creditor: ************** Past Due: $350 Pay Status: >CollectionPLACED FOR COLLECTION

  

  Business Response

  Date: 08/08/2023

  This communication is from a debt collector.

  Thank you for notifying Professional Credit Service of your concerns. Unfortunately, we do not have record of you contacting us directly to request any information or dispute your account. We do see that you may have submitted disputes indirectly to the consumer reporting agencies, but, again, nothing was submitted to our office directly. We have, however, requested copies of the original account-level documentation from the creditor and we will send you that documentation as soon as we receive it. If you have additional questions or if we can be of assistance in the future, please do not hesitate to contact us. 

  Sincerely,

  Professional Credit Service

• Initial Complaint

  Date:07/24/2023

  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.

  During a resolution meeting with said agency I was told to create an online account where i would be able to see my balance, make my payment of $50.00 that was agreed upon and see payments as they were credited. What they neglected to tell me was I would not be allowed to make my payment online without paying more than what was agreed on. Now they are telling me they can't change it and the only way to pay is by phone in which is hard for me due to hearing or mail and the postal service has been less than able to full fill many postal needs and I've quit mailing stuff. My concern is they weren't honest when they said to create the account where I could pay my bill and if it can't be changed (which I find hard to believe) since others use the site and no one has complained. Also with the online account it keeps a messaging system so both parties have access to our communication.

  Customer Answer

  Date: 08/02/2023

  After getting a voicemail from "****" I returned the call, left a voicemail and do not know if they could here me or not. I have indicated to them that I am hard to understand and have issues hearing on the phone and they are unwilling to take this into accountability. Second thing is they reported me to the credit bureau which dinged my credit score and for what reason? I have kept in contact, made my first payment and have the second one in a savings account to hold their payment in until this gets resolved. This is all retaliation due to the complaint about their dishonesty and transparency. I went ahead and reported the website payment portal as a scam due to the lack of transparency and honesty about it so other would be warned about it.

  

  Business Response

  Date: 08/03/2023

  This communication is from a debt collector. Thank you for notifying Professional Credit Service of your concerns. As you noted in your complaint, there is a default minimum payment amount on the consumer payment portal that is designed to prevent consumers from entering into long-term payment plans where more interest accrues each month than the amount of the monthly payment. We apologize if the representative did not adequately explain that to you when you spoke with them on the phone. We are also in the process of checking with the development team to see if that setting can be removed on your account, so that you do not run into any issues in the future. We will reach out to you as soon as we have a response. Thank you again and we appreciate your efforts to work together toward a resolution on your concerns.

   

  Sincerely,

  Consumer Help Desk