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Business Profile

Collections Agencies

Credit Management Company
BBB accredited business seal
BBB Accredited BusinessB+Rated by BBB

Complaints

Customer Complaints Summary

  • 262 total complaints in the last 3 years.
  • 145 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:04/07/2023

    Type:Billing 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.
    Credit Management Company contacted me in February to collect a debt. I received their first correspondence on 2/23/2023 and sent back my letter the following day 2/24/2023. Upon no response, I called Credit Management Company on 4/5/2023 and spoke to an agent. They had been calling a number that was not mind and had never been mine (*************. They also had sent the letter to my parents address, which was forwarded to me. Up until receipt of this letter, I had no awareness of any owed funds to UPMC. Credit Management Company, informed me on a follow up call (4/7/2023), that my "debt" will be put on my credit score 60 days after 2/1/2023. I asked why it took 23 days to reach me (most likely because they sent it to a wrong address) and they would not answer. They would not grant any extensions and only gave me 38 days to pay a balance (claiming a full 60 days). The agent tried to claim that it is '60 days from when they receive the debt and not when they inform me'. Their actions directly harm my credit score. I asked for extension, to which the agent (Kathy) became rude and accusatory. I called back to speak with a supervisor, none were there (Kathy answered again). I plan to pay this debt, but I was not aware of it at all until 2/23/2023 around 8PM. I responded immediately, mailing back my response on 2/24/2023. The response was never received, but I also called in and relayed the issues around the validity of the debt.

    My issue: This company may harm my credit directly through reckless and negligent practices (contacting bad numbers/addresses and placing the blame on the debtors for any time constraints caused by their employees.) If there is harm to my credit, I will hold this company fully liable for all damages, interest, and legal fees. I would like to speak to a supervisor to get a proper and reasonable time period where I can pay. 38 days is not enough notice to both make me aware of a debt and also collect. I also do not appreciate the disrespect.

    Business Response

    Date: 04/14/2023

    Credit Management Company (CMC) takes all customer complaints seriously, and we have performed a thorough of *** ********* complaint.  However, due to federal privacy laws, CMC is unable to provide a substantive response on this or any public-facing platform.  We strongly encourage *** ******* *o contact CMC directly at (888)250-7027 and one of our experienced representatives will work with him to resolve any issues or concerns.

    Customer Answer

    Date: 04/20/2023

    Better Business Bureau:



    I have reviewed the response made by the business in reference to complaint ID ********* and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.



    I believe that Credit Management Company's (CMC) omission of a proper response demonstrates the problematic nature of their claim. CMC cannot and will not provide evidence to support their claim, nor will they engage in any meaningful dialogue around the validity of the claim. CMC utilizes tactics around duress & extortion; making fraudulent claims and demanding that consumer pay within 38 days of receiving the unfounded claim. CMC also had been calling a faulty phone number and address; neither of which has ever belonged to me (not meeting collections guidelines). No legitimate collections company or agency would engage in such practices. 

    CMC has been made aware multiple times (in at least three different methods) about the issues around their claim and concerns around their conduct. So far, not attempt has been made to negotiate, apologize, or discuss the dispute. 



    Regards,



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

    Business Response

    Date: 04/20/2023

    Again, due to federal privacy laws, Credit Management Company (CMC) is unable to provide a substantive response on this or any public-facing platform.  We strongly encourage *** ******* to contact CMC directly at (888)250-7027 and one of our experienced representatives will work with him to resolve any issues or concerns.  Thank you.  

  • Initial Complaint

    Date:04/06/2023

    Type:Billing 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.
    YOU ARE REPORTING INACCUARTE AND UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. I REQUEST FOR A FULL DISCLOSER OF THIS DEBT. I HAVE NOT RECEIVE MY SIGN SIGNATURE, MY HIPPA CONTRACT, OR ANY INFORMATION THAT I SIGN A HIPPA CONTRACT OR I GAVE UP MY HIPPA RIGHTS. BY LAW AFTER 30 DAYS THIS ACCOUNT IS NOT MINE. IT HAS BEEN 45 DAYS AND THIS ACCOUNT IS NOT MINE. CEASE AND DESIST ALL REPORTING OF THIS ACCOUNT ASAP. CREDIT MANAGEMENT COMPANY THIS IS NOT MY ACCOUNT. DELETE THIS ACCOUNT ASAP. STOP HARRASSING ME AND STOP CALLING ME ABOUT THIS DEBT. YOU HAVE NOT PROVEN THAT THIS ACCOUNT IS MINE. STOP CALLING ME AFTER 9PM AFTER I TOLD YOU TO NOT CALL ME. YOU ARE VIOLATING MY RIGHTS AND MY PRIVACY. DELETE THIS ACCOUNT ASAP.

    Business Response

    Date: 04/18/2023

    Credit Management Company takes all complaints very seriously and as such has preformed a thorough investigation into *** ******* ****** claims.  Unfortunately, we are unable to provide a substantive response on a public facing platform, such as this.  However, we have responded to *** ****** directly and encourage him to contact us at 972-798-1000 if we can be of further assistance.

  • Initial Complaint

    Date:03/27/2023

    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 was contacted by phone on Thursday March 23, 2023 from one of the reps from this business. I was told I owed money. I tried repeatedly to say this bill was old from 2010 and was under dispute from a previous debt collector " TransWorld Systems Inc. / 33, 500 Virginia DR., FT. Washington, PA 19034, 1877-865-7686, and they never provided me proof of the charges to pay or for me to dispute. The rep was rude to me and threatened to serve me with papers and take me to court if I did not pay the money. I want this removed from my credit report because I do not believe I owe this money since the business claim the bill is from 2010.

    Business Response

    Date: 04/05/2023

    Credit Management Company takes all complaints very seriously and as such has preformed a thorough investigation into ****** ***** claims.  Unfortunately, we are unable to provide a substantive response on a public facing platform, such as this.  However, we have responded to ****** ***** directly and encourage her to contact us at 972-798-1000 if we can be of further assistance.

    Customer Answer

    Date: 04/06/2023

    [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]



    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. 



    Regards,


    ****** *****

  • Initial Complaint

    Date:03/24/2023

    Type:Billing 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.
    The collection agency has failed to provide the request documents:
    An explanation of what the alleged account is for.
    The name of the creditor to whom the debt is owed.
    Documentation that shows I agreed to pay this debt with my signature.
    The agreement that grants you the authority to collect on this alleged debt.
    A copy of your state license, including license number that gives you rights to collect this debt in the state

    Business Response

    Date: 04/04/2023

    Credit Management Company takes all complaints very seriously and as such has preformed a thorough investigation into *** ********* claims.  Unfortunately, we are unable to provide a substantive response on a public facing platform, such as this.  However, we have responded to *** ******** directly and encourage her to contact us at 972-798-1000 if we can be of further assistance.

  • Initial Complaint

    Date:03/23/2023

    Type:Billing 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 am not liable for this debt. I have never had any type of contract with with this collections agency Collection Management Company nor have I ever received a copy of the original application for this debt. Please remove this collections account from my credit report. I have talked to an attorney regarding this account & if account is not removed I have no choice but to file legal action.

    Business Response

    Date: 03/27/2023

    Credit Management Company takes all complaints very seriously and as such has preformed a thorough investigation into ******* claims.  Unfortunately, we are unable to provide a substantive response on a public facing platform, such as this.  However, we have responded to *** ****** directly and encourage her to contact us at 972-798-1000 if we can be of further assistance.

    Customer Answer

    Date: 03/27/2023

    Better Business Bureau:



    I have reviewed the response made by the business in reference to complaint ID ********* and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

    I have no contract with this collection agency. Please remove this account from my credit report as soon as possible. After account is removed from my credit report please cease any other communication with me regarding this account.  I am not liable for the account.  Thank you.






    Regards,



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

  • Initial Complaint

    Date:03/07/2023

    Type:Billing 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 am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that CREDIT MANAGEMENT COMPANY account, and that you take all appropriate steps to remove information about this account from my credit files.

    Business Response

    Date: 03/13/2023

    Credit Management Company takes all complaints very seriously and as such has preformed a thorough investigation into *** ****** claims.  Unfortunately, we are unable to provide a substantive response on a public facing platform, such as this.  However, we have responded to *** ***** directly and encourage him to contact us at 972-798-1000 if we can be of further assistance.

  • Initial Complaint

    Date:03/04/2023

    Type:Billing 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.
    The only companies I owe on my credit report are my open accounts besides that I don’t owe anyone, Show me a copy of my I.d that shows I visit whoever I owe not a signature because people forge signatures everyday…

    Business Response

    Date: 03/10/2023

    Credit Management Company takes all complaints very seriously and as such has preformed a thorough investigation into *** ********* claims.  Unfortunately, we are unable to provide a substantive response on a public facing platform, such as this.  However, we have responded to *** ******* directly and encourage him to contact us at ************ if we can be of further assistance. 

  • Initial Complaint

    Date:03/01/2023

    Type:Billing 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.
    At 8:55 AM this company called asking for ******* ****** with the *** *********** I did not confirm my identity. This company called me about 6 times a day and I never answer the phone.

    Business Response

    Date: 03/13/2023


    To Consumer:
    Credit Management Company takes all complaints very seriously and as such has preformed a thorough investigation into *** ******** claims.  Unfortunately, we are unable to provide a substantive response on a public facing platform, such as this.  However, we have responded to *** ******* directly and encourage her to contact us at 972-798-1000 if we can be of further assistance.

  • Initial Complaint

    Date:02/21/2023

    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.
    On 2/20/23 I was notified of a change to my credit report. This company has placed a collections account on my report without due process. I have never received a notice or letter from them so I do not know an account number. This is in violation of both the FDCPA and the Fair Credit Reporting Act. I do not owe them or anyone else anything. I have read their standard responses to other complaints and will not call them or provide them with any information. What I will do, if they do not immediately remove this from my report, is sue them for violations of the federal laws mentioned above. I will not tolerate their abusive and illegal behavior. The company should be aware that I fully plan to pursue legal action against them if their fraudulent derogatory mark is not removed from my credit report. I fully understand my rights and know that I am under no obligation to contact them or provide them with any personal information. Had they sent me a letter, as is required by law, I would have an account number. They have my phone number so they know which account it is. ***************

    Business Response

    Date: 02/23/2023

    Credit Management Company takes all complaints very seriously and as such has preformed a thorough investigation into *** ******* claims.  Unfortunately, we are unable to provide a substantive response on a public facing platform, such as this.  However, we have responded to *** ***** directly and encourage him to contact us at ************ if we can be of further assistance. 

    Customer Answer

    Date: 02/24/2023

    [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]



    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, provided that they keep their word that I have in electronic form (email) from them.




    Regards,



    ****** *****

  • Initial Complaint

    Date:01/18/2023

    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.
    Constant calling and Voicemail message they leave does not identify who they are. I had to use reverse phone look up to figure out who they were. They call at all hours.

    Business Response

    Date: 01/19/2023

    Credit Management Company (CMC) takes all customer complaints seriously, and we have performed a
    thorough of *** ********** compliant.  However, due to federal privacy laws, CMC is unable to provide a substantive response on this or any public-facing platform.  We strongly encourage *** ******** to contact CMC directly at ************* and one of our experienced representatives will work with her to resolve any issues or concerns.  

    Customer Answer

    Date: 01/19/2023

    [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]



    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. 



    Regards,



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

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