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Business Profile

Collections Agencies

Professional Credit Service
BBB accredited business seal
BBB Accredited BusinessA+Rated by BBB

Complaints

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

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Professional Credit Service has 4 locations, listed below.

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    Customer Complaints Summary

    • 54 total complaints in the last 3 years.
    • 12 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:12/06/2022

      Type:Sales and Advertising Issues
      Status:
      Answered
      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'm being charged for a debt that doesn't belong to me, my name was put on an electric bill for a family I was staying with back in March. I removed my name from the electric **** in may, once I found out what had happened. I informed this company that my name was removed from the account and that the debt does not belong to me, but they keep sending me bills from their collection company

      Business Response

      Date: 12/14/2022

      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 be communicated with regarding this account in the future. 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:10/11/2022

      Type:Service or Repair Issues
      Status:
      Answered
      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.
      Call received at 9:00am asking me to verify my name, date of birth, etc.The company failed to identify who was calling. Dragged the call past 20 seconds. I asked for a correspondence and Ill respond via mail.A company should always identify who they are prior to asking a person there personal information. Shame on you.

      Business Response

      Date: 10/12/2022

      This communication is from a debt collector.

      We have updated our records to reflect that you do not wish to receive future communications from our office. We have also reviewed the call recording and are sorry if you got the impression that the call was related to a scam or an effort to obtain your personal information for nefarious purposes. For context, the Fair Debt Collection Practices Act (FDCPA) places limitations on a collection agency's ability to disclose the name of its business when speaking with a third-party, unless it has authorization from the consumer to speak with that third-party or if the name of the company is expressly requested. The limitation is designed to protect against disclosing to a third-party that a consumer owes a debt. In an attempt to ensure compliance with the ****** the representative who contacted you first attempted to verify that he had the correct individual by having you provide a piece of personal information that would match the information associated with the account (i.e. date of birth or mailing address). On occasion, the contact information that we receive is outdated and our representative wanted to ensure that he had the correct individual on the line (and not someone else who shared a similar name). When you requested the name of the company, he said he was calling with Professional Credit Service and he confirmed that we tried to mail something to you on 9/26/22.

      Again, we apologize for any frustration that you experienced. If you need any additional information, please feel free to contact us by mail at Professional Credit Service, ************************************************* or by email at ******************************************************************.

       

      Sincerely,

      Professional Credit Service

    • Initial Complaint

      Date:10/08/2022

      Type:Billing Issues
      Status:
      Resolved
      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 submitting this complaint because the company is reporting information in violation of federal law. I have sent letters requesting validation of the alleged date, but have not received a response. I am considering filing a civil suit because I have missed a job opportunity because of this. This is my last effort to get the attention of a higher up to take swift action and remove the information so that I may move forward with the job opportunity. If they fail, I will be filing in General Sessions seeking the maximum of $25,000 in damages.

      Business Response

      Date: 10/10/2022

      This communication is from a debt collector.

      We have reviewed our records and we are unable to locate any files for the person who submitted this complaint. Additionally, the name of the creditor identified in the complaint does not look like a creditor-client of Professional Credit Service. As such, it is possible that this complaint has been filed against the wrong entity. Our understanding is that there are other companies with "Professional Credit" in their name and we believe this complaint is targeted toward one of those entities.

       

      Sincerely,

      Professional Credit Service

      400 *****************

      ***********, ** 97477

      Customer Answer

      Date: 10/10/2022

       
      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. I will check more thoroughly for the correct company and refile immediately.  Thank you.

      Sincerely,

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

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