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:04/13/2023

  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.

  My wife has worked for a school district and we have had medical insurance for almost 20 years. Unfortunately a medical bill from ******************* was sent to collections. We tried to get the insurance to pay but missed the deadline. They tried to garnish my wages, so we regrettably paid the collection agency for the bill. We paid in full, we just received a letter almost 5 years later stating we now owe them an additional $1393.87. They are committing fraud, help. How do we stop this collection company?

  

  Business Response

  Date: 05/02/2023

  This communication is from a debt collector.

  Thank you for notifying Professional Credit Service of your concerns. According to our records, we received a call from **************** on October 25, 2018, and we informed her that the balance was $4,703.71. She said that she could not pay that amount in full that day, so she would pay half then and the other half on October 31, 2018. She paid $2,381.29 on October 25th. She next contacted us on November 13, 2018 and we informed her that the remaining balance was $2,393.87. She made a payment of $1,000.00 and said that she would follow-up with your insurance for reimbursement. We did not receive any additional calls to pay the remaining balance, so the $1,397.87 amount that was remaining after the November 13th payment remains outstanding. We would be happy to work with you on a payment arrangement to resolve the remaining balance or provide any additional information that you may need. You may contact our Consumer Help Desk at **************************************************** if we can be of further assistance.

   

  Sincerely,

  Professional Credit Service

  CA License No. ********

  Customer Answer

  Date: 05/08/2023

   
  Complaint: 19933287
  
  I am rejecting this response because:

  The original insurance bill was $10391. When this was sent to collections it was $3429.03. With each phone call the bill had a different amount.  Years later we are trying to locate statements to show that we paid what was owed. Again five years later we are being harassed over a bill that was not billed to our health insurance. I recognize I am also  at fault but I am being  penalized by this company for a mistake made by the hospital and myself. I visited that hospital many times prior to and after this date. The insurance rejected my claim due to the timing of the grievance. 
  
  Sincerely,
  
  *************************

• Initial Complaint

  Date:03/25/2023

  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 get this letter from them, has no reason for them to be trying to get money from me (who wants it, why they want it and for what) I call them and get a busy signal. So goto their website and try to chat with someone and get a notice saying "our representatives are not able to chat ,please send a message and someone will get back to you" yet, there is no way to send them a message. Note to this company: you better contact me before you try garnishing my wages or a law suit you will have. I've also read the reviews of your company and you should be put out of business!

  

  Business Response

  Date: 04/03/2023

  This communication is from a debt collector. Thank you for notifying Professional Credit Service (Professional Credit) of your concerns. We are sorry to hear that you were unable to reach anyone from our office prior to filing your complaint. According to our records, we communicated with you in July **************************************************************** our office. However, we did not receive your payment for August 2021, so we attempted to call you and email you at the contact information you had previously provided. We did not hear back from until you sent us an email on March 29, 2023. In your last email to our office, it appears that you indicated that you believed these amounts had already been paid via garnishment. Professional Credit has no record of receiving any payments from a garnishment, nor have any additional payments been reported to our office by *******************************. We are happy to try to review the matter further, but it would be helpful to have a copy of any documentation that you may have received showing that the account was paid.
  
  Sincerely,
  Professional Credit Service

• Initial Complaint

  Date:03/21/2023

  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.

  03.03.2023 The letter was issued by Professional Credit Services. I was never contacted by Professional Credit Services. Not that I have a knowledge that my information was shared with someone. In fact, I do have a debt from CC Fire Protection Disctrict, but I do **************. I have installment plan. Recent check was cashed 03.10.2023 . Please see the records. I tried calling by Professional Credit Services but the line is busy which leads me to believe that this is a scam.

  

  Business Response

  Date: 03/30/2023

  This communication is from a debt collector. 
  Thank for for notifying Professional Credit Service of your concerns. Our company provides third-party collection services on behalf of the creditor listed in your complaint. We have placed that account on hold and we have reached out to the creditor to determine whether the account was placed with us on error. We will provide you with an update as soon as we receive a response from the creditor. 
  

  Sincerely,

  Professional Credit Service

• Initial Complaint

  Date:03/20/2023

  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 demand this collection to be removed from my credit report. I never had this account before.

  

  Business Response

  Date: 03/24/2023

  This communication is from a debt collector.
  
  Thank you for taking the time to notify us of your concerns. We have submitted a request to have the account removed from your credit report and we have updated our records to reflect that you do not wish to receive additional communications in the future. You may contact our Consumer Help Desk at **************************************************** if you have questions or need any additional information.

   

  Sincerely,

  Professional Credit Service

• Initial Complaint

  Date:03/20/2023

  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.

  This business does not have answers to my questions, but yet they still garnish my wages. I asked one employee , ****** over the phone what kind of bills are these to whom do I originally owe, and how much?/ She says sorry I do not know that, I ask how she cannot know that . A lot flustered she goes its some medical bills, I am like from when?? I do not know the exact date sorry, and we have been garnishing you a few times. Only twice and it is only because my company cannot go against the "Court docs" that I do not believe are real btw... I owed money for 1 medical bill that I paid in 2018 with this company, and at that time, they were telling me I owed an eweb bill from **** or something on my eweb bill. They were also just part of a 2million dollar settlement.I think they go after people like me because we cannot do anything about it How can I prove my bills were paid 12 years ago or how can I prove I paid this same company in 2018 and yet they still say I owe them the same amount. I did dispute this company OFF my credit REPORTS, Yep all 3 credit bureaus wiped them right off. They may have legit and the bbb backing.They are just plain wrong. I am sorry you as the BBB is affiliated with them... Oh and I cry almost every day , I work a seasonal job and all my income is to last me until the season comes around again, well now I will have to do something else, my step child has a mental disorder, all the appointments, How can I work who would hire me for 8 months out of a year, and let me take time off for the kid?? hence why my income should make it at least majority of the year, they are taking away from me and my family. I do not know what to do so I am putting in a complaint with every single company that I can think of to get it out there this company is not fair, they lie and do not care, their bottom line is to make as much money off the poor and lower class people as possible...

  

  Business Response

  Date: 03/24/2023

  This communication is from a debt collector.

  
  Thank you for taking the time to share your concerns. We do not have record of receiving any payments on these accounts from 2018. We did issue a garnishment in 2019 and you agreed to a voluntary payment arrangement in exchange for us submitting a release of the garnishment. It does not appear that we received any additional voluntary payments, so we attempted to contact you periodically over the next few years, but we were not able to connect with you. As such, we resumed our collection efforts earlier this year and issued a garnishment to your place of employment.
  
  Please know that we would be happy to work with you to try to setup a voluntary payment arrangement as an alternative to the garnishment. With a voluntary payment arrangement, we would likely be able to accept a lesser amount each month than what is being withheld due to the garnishment. If you are interested in discussing those options, please feel free to contact one of our representatives at ************.
  
  Sincerely,
  Professional Credit Service

• Initial Complaint

  Date:03/16/2023

  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.

  Payment made on 3/17/2022 for the amount of $621.25 directly to Contra Costa County Fire District (ambulance co-pay). Received letters from Professional Credit Service dated 09-29-2022; 02-21-2022; 03-08-2023 about the same account and balance could not verify paid. These letters have been very disturbing or threating by Professional Credit Service (collection agency) to ruin personal credit records for Contra Costa County Fire District claim. In this case, I will also file dispute with my credit card company for the amount paid $621.25 on 3/17/2022 to ************************ Ems ******* **. to clarify where the payment went.

  

  Business Response

  Date: 03/24/2023

  This communication is from a debt collector.

  Thank you for notifying Professional Credit Service of your concerns. After speaking with you on March 6th, we contacted the creditor regarding the information that you provided during that call. Upon reviewing the account further, the creditor recently informed us that it is cancelling the account out of our office. As such, you will not receive any additional communication from Professional Credit Service regarding this account in the future. Thank you again for contacting us and hope this addresses your concerns.

   

  Sincerely,

  Professional Credit Service

  Customer Answer

  Date: 03/24/2023

   
  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:03/14/2023

  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.

  A medical debt of mine was sold to this company who then turned around and filed a lawsuit against me. I called immediately to set up a payment plan for the debt. Each payment was supposed to come out ever 2 weeks on my payday to ensure the money was in that account. The last payment wasn't charged until a week after the payment was supposed to come out and I unfortunately didn't quite have enough in there at the time to cover the funds and never realized it didn't get paid until today, 2 months later as they again served me papers to collect the debt. I went back through my phone record and it looks like I recieved exactly one call about 2 weeks after the payment was declined, I never saw the voicemail and to my knowledge I recieved no paper correspondence. I called today to have the last payment taken care of and was informed I had to pay court costs again. Is absolutely unbelievable that companies actually exist that relentlessly predate on individuals with medical debt. I suppose the only upside is that they didn't touch my credit.

  

  Business Response

  Date: 03/20/2023

  This communication is from a debt collector.

   

  Thank you for notifying Professional Credit Service of your concerns. We would like to offer out sincerest apologies for any frustration that you may have experienced. We have submitted a request for a refund for the legal fees referenced in your complaint and we will be mailing you a check within the next **** days. If we can be of further assistance, please feel free to contact our Consumer Help Desk at ***************************************************** Thank you again for taking the time to bring this matter to our attention.

   

  Sincerely,

  Professional Credit Service

• Initial Complaint

  Date:03/06/2023

  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 have received a letter claiming that I owe a $769.25 debt to Catholic Health Initiatives, who I never accepted any assistance from. This total is likely from when I went to the hospital in a rush and forgot my insurance in 2020; however there is no date listed as to when exactly this debt is from, but this amount is very similar to my original hospital bill. On top of that, the debt itself was paid off over a year ago in December 2021 thru DSM River Physicians LLC with the debt disputed and taken off of my credit score in 2022. There's no reason I should be receiving a collections letter for something that was paid off this long ago.

  

  Business Response

  Date: 03/21/2023

  This communication is from a debt collector.

   

  Thank you for notifying Professional Credit Service of your concerns. We will mail you a copy of the itemization of charges from the creditor, so that you have that for your records. Our understanding is that the bill referred to our office was for the facility charges from the hospital visit referenced in your complaint. We investigated the information provided in your complaint and there was no record of any payment being received for the facility charges. It is possible that the payment you referenced in your complaint was for the doctor's/provider's charges, but we only work on behalf of the hospital and do not have access to that doctor's/provider's records. Based on the information provided in your complaint, we do not intend to communicate with you in the future, other than to provide you with a copy of the itemization of charges. If you have questions or need additional information in the future, you may contact our Consumer Help Desk at ****************************************************.

   

  Sincerely,

  Professional Credit Service

• Initial Complaint

  Date:02/06/2023

  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.

  Hello, I received a letter in the mail saying I owe $87.89 for something I am not aware of. I don't owe anyone and if it's an old debt. I will be contacting my attorney for people asking for money, harassing me for money. Write it off as a bad debt and leave me alone. I'm not working. No income and stop sending mail to me whether it's through the *********** or my email address and please don't call me if you're a collector as well. It's against the law to harass people and I will put people behind bars if I keep getting harassed.

  

  Business Response

  Date: 02/17/2023

  This communication is from a debt collector. 

   

  Thank you for notifying Professional Credit Service of your concerns. We have updated our records to reflect that you do not wish to receive any additional communications in the future.

   

  Sincerely,

  Professional Credit Service

• Initial Complaint

  Date:12/27/2022

  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.

  This company is double reporting the same collections debt they claim I owe. I disputed the original debt and then shortly after, they added a duplicate collection to my credit report for the same debt with a $3 difference and a different account number.Either this is a mistake that they made, a glitch, or it is malicious. Regardless of why, it needs to be removed immediately.

  

  Business Response

  Date: 01/04/2023

  This communication is from a debt collector.

  Thank you for bringing this matter to our attention. We have reviewed our records and confirmed that the account referenced in your complaint has only been reported by Professional Credit Service (Professional Credit) one time. However, we did receive a second dispute that appeared to match the information that you submitted with your complaint. We attempted to respond to that dispute directly and request that the account be deleted from your credit report. We also requested that the original account be deleted from your credit report to try to help resolve the matter. If for some reason that does not result in the second account being removed from your credit report, you may wish to contact Equifax directly and provide them with a copy of this response, wherein we have confirmed that Professional Credit has only reported one account (ending in 1413301) to Equifax. You may also contact our Consumer Help Desk at **************************************************** if we can be of further assistance in helping to get this matter resolved. 

   

  Sincerely,

  Professional Credit Service