Complaints

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:05/09/2025

  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.

  Website will not allow me to make a payment, says I have exceeded transactions. I paid exactly two weeks ago with no issue. **************** wants me to pay by phone which I do not do. She then said "I don't know what to tell you, have a good day" and ended the call.This company has been rude from the start. Called me initially and would not identify the debt in question. I continued to ask what they were "collecting for" he would not answer and only told me he'd send it to my credit reporting agency. I told him I would be glad to talk to him if he would just tell me what and who he was calling ********* am I supposed to pay off my debt with a company that is rude and has an "I don't know attitude"?

  Business Response

  Date: 05/14/2025

  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 them to contact us at ************  if we can be of further assistance.  Thank you.

• Initial Complaint

  Date:05/09/2025

  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.

  This business was unprofessional and and did not achieve its goal of conveying a debt to me. They called with minimal information from multiple numbers and sounded like a scam call. There was never a person associated with the call, just a call back number and automated voice. If you don't tell me about a debt during the call, then how am I to know if the call is real or fraudulent? They also failed to send any correspondence in the mail and only relied on telephone communication which is typical amongst phishing strategies by scammers foreign and domestic. Now I have a credit derogatory **** with them and I can't even find information on what the debt is. It doesn't help that when they called me, my phone ****ed them as potential spam and blocked their various numbers. I want correspondence by mail because I like paper trails. It's the way I was taught. I plan to dispute this on my credit, because I still feel it to be fraudulent, but I wanted to create this complaint as well because this level of shady business should not be tolerated. If they truly are a business that conducts professional debt collection, then they need to operate as such. Not a phone call and voicemail that says, "hello, this is credit management company. Please call us back at (insert number)." That's not how you convey a message that a debt is needing to be collected. That is how you get people to assume you're a spam caller.

  Business Response

  Date: 05/15/2025

  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 them to contact us at ************ if we can be of further assistance.  Thank you.

• Initial Complaint

  Date:05/09/2025

  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 writing to formally request the removal of specific medical debt information from my credit report, in accordance with the recent rule finalized on January 7, 2025, which prohibits the inclusion of medical bills on credit reports used by lenders. The ***** final rule aims to enhance consumer privacy and prevent the use of medical debt information in lending decisions. As such, I request that the above-mentioned medical debt entries be promptly removed from my credit report to reflect compliance with this regulation.Please provide written confirmation of the removal of these entries. If you require any additional information or documentation to process this request, feel free to contact me! Thank you for your prompt attention to this matter.

  Business Response

  Date: 05/15/2025

  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 them to contact us at ************ if we can be of further assistance.  Thank you.

• Initial Complaint

  Date:05/07/2025

  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.

  Harassing communication tactics have been used by the collection agency.

  Business Response

  Date: 05/15/2025

  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 them to contact us at ************ if we can be of further assistance.  Thank you.

• Initial Complaint

  Date:05/06/2025

  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.

  05/25/23 a medical incident 07/17/23 medical claim was denied by insurance (Presbyterian #**************) as bill was not sent properly, my insurance contacted the provider to let them know I was not responsible as it was their error 08/30/23 medical sent again and insurance denied again ( Pres # **************) and stated I was not responsible and sent medical company a letter stating such Medical provider still sent me to collections although they never tried to contact me. In two years time I never got a bill or any contact. My credit ***ort notified me 04/26/25 that I had a collection notice. I called Collection Management ************ to inquire. They admit I had insurance at the time and said they see I should not have been responsible for the bill but they don't care they want money.I do not owe this money and my good credit is in jeopardy.!My insurance company *** called credit company and offered to send a letter stating that this bill was never the patients obligation. They also told her (I have letter and contact information for insurance *** that they don't care they want money. How am I sent to collections for a bill that was never my responsibility.? Collections admits it was not mine to pay but they want money. I almost paid it to get it off my credit ***ort but I never owed and have not been sent communication in two years.This is unethical to send a patient to collections when the bill was never their responsibility and continues to be unethical in the hands of the collection company.

  Business Response

  Date: 05/14/2025

  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 them to contact us at ************ if we can be of further assistance.  Thank you.

• Initial Complaint

  Date:05/02/2025

  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.

  Removal of medical debt that appears on my credit report, in accordance with updated reporting rules effective March 2025.??The ************************************ (****) has issued guidance that medical debts should no longer be included in consumer credit reports. This change reflects the evolving understanding that medical debt is not a reliable indicator of creditworthiness.??

  Business Response

  Date: 05/06/2025

  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 them to contact us at ************ if we can be of further assistance.  Thank you.

• Initial Complaint

  Date:05/01/2025

  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 recently received a notification from Experian that a collection account from ******************************************* was added to my credit report. Until that moment, I had no knowledge of this debt. After contacting Collection Management directly, I spoke with a representativewhose name I unfortunately did not obtainwho informed me that they had attempted to contact me multiple times since March 6, 2025. However, I have not received any phone calls from them, and the representative acknowledged that no voicemails were ever left. He also claimed that notices were mailed to me over the past few months, but I check my mail daily and have never received any such correspondence.This alleged debt dates back to March or April of 2023. At that time, I was employed by ***** Ground Shipment at ****************************************************************. I sustained a workplace injury and was sent to *************** for evaluation. Following that appointment, I was in regular communication with ***************, ***** Human Resources, and ***************** Company over a 4-to-6-week period to ensure the claim was handled. I was later informed by ********************* that the claim had been fully resolved and paid by their insurance provider. I have received no further communication from any party regarding this matter since that time.I am formally disputing the validity of this collection entry. I have never received any verifiable communication from Collection Management via phone or mail, and based on the information above, I believe this claim to be inaccurate. I request that you investigate this matter and provide documented proof of the debt and of all attempted communications. If this cannot be substantiated, I respectfully request that this entry be removed from my credit report in accordance with the Fair Credit Reporting Act.Sincerely,**** A *****

  Business Response

  Date: 05/14/2025

  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 them to contact us at ************ if we can be of further assistance.  Thank you.

• Initial Complaint

  Date:05/01/2025

  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 bill from a collection agency on 3/17/25 for amount $1,168 for a DOS of 7/7/2023. There has never been a a bill received or any type of communication made to make me aware of this bill. I learned it is for an ER visit. Per CMC the collection agency, the bill is for the physician as that office was not in network for my insurance. I did some investigating to find out who is owed the money and why I have not been made aware of this bill before now. What I found was that the original creditor APP Of Tennessee ** PLLC has since permanently closed. I never received a bill from them. ******************** was who I was directed to at that point. They advised me they didn't have any info and I would have to speak to ***. My issue is that this bill was turned over to a collection agency with 0 efforts being made by APP, *******, or CMC to make me aware of this bill ever existing until the received letter on 3/17/25 almost 2 years after DOS. I disputed the bill with *** and request that they send me an itemized statement. I did not receive that letter within the 30 days timely manner. And once received it was not an itemized statement. It only listed the creditor, the **** and the amount due. The collector was aggressive and would continue to speak over me when I was trying to speak to him. Once the collector understood that I was not in agreeance with him and we was not going to settle this on that call he said goodbye and hung the phone up. His collection efforts wore aggressive with poor phone manners. I dont feel that DUE DILIGENCE was made by any of the afore mentioned companies to make me aware of this bill. Never a letter or phone call. Not until it was reported to my credit via a collection agency. I 22 years old and try my best to keep my credit good and pay my bills. But, I am unable to make that happen when I am not made aware of it. Three different companies denied me the due diligence and I shouldn't be punished for APP closing.

  Business Response

  Date: 05/03/2025

  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 them to contact us at ************ if we can be of further assistance.  Thank you.
  
  

• Initial Complaint

  Date:04/28/2025

  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 pulled my lexisnexis consumer report around March of 2025, on it I realized there were 3 collections with the name of credit management company. I have no unpaid debts and have received no mail or phone calls from any collection agency. I would never have known of this had I not looked at my consumer report. I have tried to call credit management company 5-10 times and Im redirected by the representatives for a ************ number to an ************ number where they ask for information and are unable to provide that i have an account with them through my. Name and address. I would like to know if there is record of an account with this business, and if so who the original debt was supposedly owed to. And I would like proof sent to me if there is no debt, so I can then forward it to lexisnexis to have the collections removed from my consumer profile.

  Business Response

  Date: 05/04/2025

  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 them to contact us at ************ if we can be of further assistance.  Thank you.

  Customer Answer

  Date: 05/05/2025

  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 received an email from a **** ****** of credit management company stating that I would be receiving a recipe in the mail from an original creditor, but Ive been told multiple time on the phone that their isnt any collections under my social security number. I believe the buisness has gotten the wrong ***** ********. I want this to be resolved and I want a clear answer to if I have any collections under my ssn or not. 
  
  [To assist us in bringing this matter to a close, we would like to know your view on the matter.]
  
  Regards,
  
  ***** ********

  Business Response

  Date: 05/07/2025

  Again, due to federal privacy laws, we are unfortunately unable to provide a substantive response on a public facing platform, such as this.  However, we again encourage *****  to contact us at ************ if we can be of further assistance.  Thank you.

  Customer Answer

  Date: 05/08/2025

  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.
  
  as I stated in the last rejection to the complaint. I received an email, stating that credit management company had located an account under the name ***** ******** and that they would be sending things in the mail to my address. I have called ************ several times and they have confirmed there are no accounts under my birthdate or social security number. This email is a mistake on the businesses part as I have no accounts with this buisness. I filed this complaint because these collections from this company showed on my lexisnexis report under hard inquiries, but upon checking with credit management company at ************ I have to open accounts with this ********************** and I would like my lexisnexis report to reflect that. I have filed an official complaint with ********** over this. But I wanted to let credit management company know that I have no accounts with them under my information and this is a mistake on their part and I have tried taking the steps to get this removed from my lexisnexis file as it isnt mine. 
  
  Regards,
  
  ***** ********

• Initial Complaint

  Date:04/26/2025

  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.

  From my Equifax credit report, I have a new collection account (Account Number: *0351*) from **********************, in the amount of $1,824 with a date of 1st Delinquency 01/21/2019. A prior Better Business Bureau (BBB) inquiry on February 02, 2024 (Complaint Number: ********), I was notified from the previously mentioned collection agency, CREDIT MANAGEMENT COMPANY, that the collection account was settled and would be closed/removed - which it was. However, the collection account now has returned.

  Business Response

  Date: 05/05/2025

  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 them to contact us at ************ if we can be of further assistance.  Thank you.