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

  PO Box 7548 Springfield, OR 97475-0039

  
• 

  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

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:07/16/2023

  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.

  Professional credit services was suppose to delete their account on my ********************** file with transunion and equifax from my recent complaint back in 05/09/2023 but they only deleted it from transunion and not yet from equifax since 05/9/2023 and it is still reporting on equifax please delete the account that you promised to from complaint id with the ******************** #********

  

  Business Response

  Date: 07/25/2023

  This communication is from a debt collector.

  Thank you for providing this information to Professional Credit Service. We previously requested that this account be removed from your credit report, but we do not have the ability to control whether or not the consumer reporting agencies process our requests. We will submit an additional request to have the account removed and you can contact us directly at consumer-********************************************************* if you need additional assistance.

   

  Sincerely,

  Professional Credit Service

• Initial Complaint

  Date:07/16/2023

  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.

  I am not liable for this debt with *************** utilities. I do not have a contract with PROFESSIONAL CREDIT SERV, they did not provide me with the original contract as I requested.

  

  Business Response

  Date: 07/25/2023

  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 provides collection services on behalf of creditors throughout *****************, including the creditor referenced in your complaint. As such, you would not have a contract directly with Professional Credit Service.

   

  Additionally, we have reviewed our records and we are unable to locate any communications or requests that we've received from you on the account referenced in your complaint. If you could please send a copy of that request to PO Box ****, *************** ***** or consumer-********************************************************** we would be happy to provide you with any additional information or documentation related to the account. 

   

  Sincerely,

  Professional Credit Service

  ********** License Number ********

  Customer Answer

  Date: 07/26/2023

  There is "no original contract or other verification of this debt and I demand this be removed from my credit report. 

• Initial Complaint

  Date:07/07/2023

  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.

  This company posted a negative collections account on my ********************** report. I demand that this company validate my credit according to the fair debt collection practices act and until they do so remove this collections account from my ********************** report. My name is ***********************, my date of birth is January 8th ****. I will be filing a credit dispute letter and the company will be hearing from my attorney.

  

  Business Response

  Date: 07/13/2023

  This communication is from a debt collector.

  Thank you for notifying Professional Credit Service of your concerns. We have requested that the account be removed from your credit report and we will mail you the documentation that was provided by the creditor in response to your request for additional information. If you have any questions after receiving that documentation, please feel free to contact our office and we would be happy to try to assist you further.

   

  Sincerely,

  Professional Credit Service

  Customer Answer

  Date: 07/13/2023

   
  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:06/17/2023

  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.

  i am not liable for this debt wit 11 consumer cellular i do not have a contract with professional credit servic , They did not provide me with the original contract as i requested

  

  Business Response

  Date: 06/22/2023

  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 regarding the account referenced in your complaint, but we were not able to reach you and we didn't receive a response to any of our letters. While we do not have record of receiving any written requests from you, we did receive a copy of an FTC Identity Theft report that you submitted with a dispute to one of the consumer reporting agencies. As such, we will submit a request to have the account removed from your credit report.

   

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

   

  Sincerely,

  Professional Credit Service

• Initial Complaint

  Date:06/14/2023

  Type:Sales and Advertising 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.

  They keep sending me collection texts for ***********************. I have had this phone number for 2 years. Im getting tired of this. They need to put forth a little effort and update their records.

  

  Business Response

  Date: 06/16/2023

  Thank you for notifying Professional Credit Service of your concerns. As requested, we have updated our records to remove your phone number. We truly appreciate you taking the time to bring this matter to our attention and we hope you have a wonderful weekend.

   

  Sincerely,

  Professional Credit Service

  Customer Answer

  Date: 06/16/2023

   
  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:06/05/2023

  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.

  Creditor Name: ************** Opened: Aug. 08, 2019 Balanced stated owed: $490.00 I am not aware of said collections on this account, from the **********************. I have attempted to call the ************ of business with no contact. Please help to resolve this particular collections which I feel is not correct. Thank you.

  

  Business Response

  Date: 06/16/2023

  This communication is from a debt collector.
  Thank you for notifying Professional Credit Service of your concerns. According to our records, we sent you an initial notice regarding this account on August 13, 2019. That notice was not returned to our office as undeliverable, so we presumed that it was received. We then attempted to contact you by phone at ************ on August 19, 2019, August 27, 2019,September 4, 2019, September 18, 2019, October 1, 2019, and October 8, 2019. On October 1, 2019, our notes indicate that someone answered the phone and identified herself by your name, but then the call ended shortly after we asked for verification of your date of birth, so that we could confirm we were speaking to the correct person. Then on October 8, 2019, our notes indicate that the call was answered and the person on the line said that you were not there and that we had the wrong number. We removed that phone number from the account and sent you additional letters on June 4, 2020, March 19, 2021, and January 14, 2022. On February 22, 2022, we received returned mail for the first time indicating that the letter was undeliverable. 

  
  While our records show that we communicated with you regarding this account, we will request that it be removed from your credit report if you do not recall receiving any of the communications referenced above. Additionally, we do not have record of receiving any telephone calls from you, but we certainly apologize if you attempted to contact our office and no one was available to assist you. If you would prefer to communicate with ** via email in the future, we would invite you to contact our Consumer Help Desk at ***************************************************** Thank you again.
  
  Sincerely,
  Professional Credit Service

• Initial Complaint

  Date:06/03/2023

  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.

  I am not liable for this debt with ************** I do not have a contract with Professional Credit Service. They did not provide me with the original contract as requested.

  

  Business Response

  Date: 06/16/2023

  This communication is from a debt collector.

  Thank you for notifying Professional Credit Service of your concerns. We have reviewed the information on your account and we are unable to locate anything that suggests we received a written request from you. We have record of receiving notice of a dispute through the consumer reporting agencies, but nothing that was submitted to our office directly. However, we will request that the account referenced in your complaint be removed as a courtesy. Please note that Professional Credit Service is a third-party collection agency that works on behalf of ************* to provide collection services, as such there would not typically be a situation where we would have a contract directly with one of *************'s customers.

  Please note that we have also updated our records to reflect that you do not wish to receive communications from Professional Credit Service in the future. Thank you again for sharing your concerns and we hope you enjoy your weekend.

   

  Sincerely,

  Professional Credit Service

• Initial Complaint

  Date:05/25/2023

  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.

  PCS sued my now husband and his ex wife, They garnished my account and my pay check. When I contacted them they are only returning a quarter of what they took from me. They have over drafted my account and all my payments that I made to bills are now being returned. When I spoke with a rep ***************** he advised me that I will get a check for $272.79(they drafted $397.79) I refuse to pay for legal fees for my spouse and his ex spouses bill. I retrieved the ex spouses info and relayed it to PCS and I also updated my husband's info. Now my credit is being ruined and I want it all rectified. I also want to make this clear, this debt is over 10yrs old and no where near my responsibility.

  

  Business Response

  Date: 06/02/2023

  This communication is from a debt collector.

  Thank you for notifying Professional Credit Service of your concerns. According to our records, Professional Credit Service obtained a judgment against your husband in 2019 and recently issued a bank garnishment to enforce its remedies under that judgment. The garnishment was not directed at you because you are not included in the judgment. We understand that the bank located an account for your husband, which must have been a joint account that also contained your funds. Upon reviewing the information you provided, Professional Credit Service sent the bank a release of garnishment to release "all the money and property" held by the bank. As of the date of this response, Professional Credit Service has not received any funds from the bank, but if it does, it will return those funds to you. 

  Please do not hesitate to contact ** if you need additional information.

  Sincerely,

  Professional Credit Service

• Initial Complaint

  Date:05/08/2023

  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 am not liable for this debt with 10 ***** **************** and do not have a contract with Professional Credit Services . They did not provide me with the original application like i asked.

  

  Business Response

  Date: 05/30/2023

  This communication is from a debt collector.

  Thank you for notifying Professional Credit Service of your concerns. We do not have record of receiving any communications directly from you, nor can we locate a request for substantiation of the debt. However, as noted in our response to the similar complaint that you filed with the ***** we are cancelling this account and returning it to the creditor with the notation that the account was included in fraud. We do not intend to contact you again regarding this account.

  Sincerely,

  Professional Credit Service

• Initial Complaint

  Date:04/19/2023

  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 information that your company wanted me to pay over **** for a electric bill from 2018. The address for this bill is one I didn't even live at much less have a **** in my name I contacted the company by phone ( after many many attempts with a busy signal) and when I did reach a live person he was extremely disrespectful, rude, short and aggressive with me. I asked to speak to his supervisor, he said he would transfer me. I left a message on the supervisors line and I still haven't received a call back . That was weeks ago. I do not owe this bill, it's holding me up from renting a house and you can't even contact me back. Horrible way to do Buisness.

  

  Business Response

  Date: 05/10/2023

  This communication is from a debt collector. 

  Thank you for notifying Professional Credit Service of your concerns. We contacted the creditor's office regarding your dispute and they indicated that their records show you contacted their office to set-up service on 12/1/2017, and you were listed as the responsible party at that address until 5/1/2018, when a new resident contacted them to sign up for services. If you have information to the contrary that you would like ** to review with the creditor, please feel free to email ** at ****************************************************. 

  Additionally, we are sorry to hear that you did not hear back from a supervisor. Our records show that a supervisor attempted to return your call on 4/5/2023 around 10:45 AM, but he was not able to reach you. We next spoke with you on 4/19/2023, which appears to have been shortly before you filed this complaint. We will request that a supervisor try contacting you again to discuss this matter and see if we can resolve your concerns.

   

  Sincerely,

  Professional Credit Service