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:02/20/2025

  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.

  Myself and many others are receiving voicemails from a **** ******** from credit management company wanting us to call back at ************.. I have a feeling this is a scam and maybe that number is no longer used by the original company that first used it. I would like to hear from the real Credit management company in regards to whether they use that number anymore or if it has been taken over by scammers.

  Business Response

  Date: 02/25/2025

  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:02/19/2025

  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.

  Subject: Request for Proof of Debt Dear *********** am writing in response to your recent communication regarding the alleged debt in my name. As per the Fair Debt Collection Practices Act (FDCPA), I am entitled to request verification of any debt you claim I owe.Please provide the following:1.Proof of the debt: A copy of the original signed agreement or contract that demonstrates I am legally obligated to pay the amount claimed.2.Breakdown of the debt: An itemized statement detailing the original amount, interest, and any fees or charges that have been added.I request that you provide this documentation within 30 days from the date of this letter. If you are unable to produce valid proof of the debt, I kindly ask that you remove any and all references to this alleged debt from my credit report and cease any further collection activities.Please be aware that if you fail to respond with adequate proof, I will consider this matter resolved and will take further steps to protect my rights under the FDCPA.Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation.Sincerely,Sierra Briant

  Business Response

  Date: 03/03/2025

  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:02/17/2025

  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 have written you a dispute for an account you are reporting on my credit report twice. It has not been removed nor have I gotten a response. I understand that I can seek damages for a serious error like this and already found several ***** attorneys willing to help. However - I wish to just have it removed from my credit report instead. The account is for Lagrange Emergency Physican in the amount of $935, reporting not once, but twice under Equifax. Please notify the credit bureaus to have this removed from my credit report to save us both a lot of time and headaches.

  Business Response

  Date: 02/28/2025

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

• Initial Complaint

  Date:02/15/2025

  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.

  Credit Management Company has called me multiple times now, and has recently sent a letter stating that I owe money from June 2024 to ****. I've verified via my online account with **** that nothing is past due, and nothin is owed on my account. I want this off my record, and for them to stop calling and sending letters.

  Business Response

  Date: 02/19/2025

  Credit Management Company takes all complaints very seriously and as such has preformed a thorough investigation into ****** Halfhills 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 ************ if we can be of further assistance.  Thank you.

• Initial Complaint

  Date:02/13/2025

  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.

  On may 1st, 2023, I had a medical emergency at *****************, *************, in the hospital they game medical assistance for a trauma I had in my *****, the next day I got the bill which I payed, after 2 years I checked my credit *********** appears that this company "Credit Management Company" has me in collections for a treatment I payed, after calling the hospital they confirmed that my balance is $0, and the several times I have called this company they treat me bad, they follow scamming talks and do not help me to get my information or any other way to make sure it is a legitimate charce.

  Business Response

  Date: 02/20/2025

  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:02/12/2025

  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.

  2-12-2025 Credit Management Company ******************************************************** Subject: Request for Debt Validation and Cease and Desist Communication Dear *********** am writing in response to your recent communication regarding the alleged debt in my name. As per the Fair Debt Collection Practices Act (FDCPA), I am entitled to request verification of any debt you claim I owe. Under 15 USC 1692g, I am entitled to receive this validation before I can consider any payment. Until you provide this information, I am requesting that all collection activities cease.Additionally, I would like to draw your attention to 15 USC 1681q of the Fair Credit Reporting Act (FCRA), which prohibits the use of false pretenses to obtain consumer credit information.Any attempt to falsely claim a debt or to misrepresent the details of the debt would be a violation of this statute and could result in legal consequences for your agency.Please provide the following:1.Proof of the debt: A copy of the original signed agreement or contract that demonstrates I am legally obligated to pay the amount claimed.2.Breakdown of the debt: An itemized statement detailing the original amount, interest, and any fees or charges that have been added.I request that you provide this documentation within 30 days from the date of this letter. If you are unable to produce valid proof of the debt, I kindly ask that you remove any and all references to this alleged debt from my credit report and cease any further collection activities.Please be aware that if you fail to respond with adequate proof, I will consider this matter resolved and will take further steps to protect my rights under the FDCPA.Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation.Sincerely,******** *****

  Business Response

  Date: 02/20/2025

  Credit Management Company takes all complaints very seriously and as such has preformed a thorough investigation into ******** ******* claims.  We believe Mr. ***** may have submitted his complaint regarding the incorrect company.  If he is able to provide additional account information we will certainly investigate further.  Finally, we encourage ******** to contact us at ************ if we can be of further assistance.  Thank you.

• Initial Complaint

  Date:02/12/2025

  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.

  Dear *********** am writing to formally dispute the validity of the debt referenced above, which has been reported on my credit report. I request that you provide me with proof of the debt as per the Fair Debt Collection Practices Act (FDCPA). Please provide the following details:A copy of the original signed agreement or contract that verifies the debt.An itemized statement of the debt amount, including any interest, fees, or charges.Documentation confirming that you are authorized to collect this debt on behalf of the original creditor.Verification of the amount and date of the debt, including any payments made or balances transferred.If you cannot provide the requested documentation, please remove this account from my ********************** report, as required by law. Furthermore, if you are unable to verify this debt, I request that you cease all collection activities and ensure that this account is reported as disputed to all credit reporting agencies.Thank you for your prompt attention to this matter. Please respond to this dispute within 30 days, as required by the Fair Credit Reporting Act.Sincerely,****** ********

  Business Response

  Date: 02/20/2025

  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: 02/20/2025

  [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:02/11/2025

  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 collection company put a ding on my credit for a collection debt that is not mine I contacted them and explained its not my debt they claim i owe a medical bill that i never recieved any medical services from its the only negative thing on my credit and i refuse to pay it because its not my debt i will however be taking legal actions against this company

  Business Response

  Date: 02/24/2025

  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:02/11/2025

  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.

  Official debt verification request:
  “You have 30 days to comply or suffer immediate punishment under 15 USC
  1692g(a)(4) and 15 USC 1692g(b).”
  Your agency has broken the law on 2 separate occasions and, in this letter, I am going
  to prove it. Because of your company's complete disregard of the law, I have lost my
  ability to use my credit and get embarrassed daily. I am too embarrassed to step foot in
  a bank to avoid the disgusting reaction the teller gives me when they see my credit
  report. I am ashamed and appalled of my credit and never received a fair opportunity to
  dispute this account. And for this reason, you are in serious legal trouble. Let me
  explain…
  You committed 2 violations which will cost you a ginormous amount of money. First, you
  did not send me a dunning letter within 5 days of reporting this account on my credit.
  (Never giving me my fair shot to dispute the debt.) Which, if I had, this account would
  never have been on my credit report in the first place. Therefore, under 15 USC 1692g,
  I would like to request 2 specific documents that you are required to deliver to me within
  30 days:
  Request 1: Proof that a dunning letter was sent within 5 days of this account getting
  placed on my credit report. (Proof can be a receipt by certified mail or internal receipt if
  you use an automated mailing service to my address.) And…
  Request 2: Debt verification. You have 30 days to turn in debt verification according to
  15 USC 1692g(a)(4) or you will forfeit your right to collect. Furthermore, debt verification
  has a very specific meaning under the FDCPA. According to the FDCPA, verification
  must be a sworn declaration from the original creditor. Or someone who has
  first-hand knowledge of these transactions, which, you obviously don’t since you’re a
  third party.
  That being said, unless you can produce an affidavit signed by the original creditor,
  you will fail to meet the legal requirements of verification. Thus, losing the right to collect
  the debt under 15 USC 1692g(b). A breach of this law is instantly punishable for
  statutory and actual damages which I intend to collect if you ignore my demand.
  Also, to be clear, DEBT VERIFICATION IS NOT:
  A billing statement or a contract.
  If you submit those documents and claim its verification you will be liable for false and
  deceptive practices under 15 USC 1692e(10). Therefore, for a document to be “valid
  verification” it must be sworn under oath, by the witness of a notary. So don’t even
  think about tricking or misleading me. I am well aware of the law and intend to use it
  against you if I have to…
  Until the 2 items I requested are submitted (a dunning letter and debt verification), I
  demand you cease and desist all collection action. Collection action includes reporting
  the debt on my credit report, according to the following court case: Edeh v. Midland
  Credit Mgmt., 748 F. Supp. 2d 1030. Thus, according to this case law, you are legally
  not allowed to report this account on my credit report until the requested documentation
  is presented and sworn under the presence of a notary.
  Please review the court case so you can see why 2
  nd hand information from a
  creditor is not verification and will make you eligible for immediate punishment.
  That being said…
  You have 2 options
  You have 30 days to produce the requested information… or… delete this account from
  my credit report. If you delete the account, I will drop my claim. If you refuse, I intend to
  act immediately.
  P.S. Please read this letter carefully and take into consideration the facts that I just
  established. I am not a fool or an average consumer. I have spent a significant amount
  of time building an incredible armory of court cases that I plan to use against you. On
  the other hand, I am a reasonable person who, although has been mentally destroyed,
  is completely willing to drop my claim as long as you delete this account. I’m sure you
  will make the right decision.
  

  Business Response

  Date: 02/20/2025

  Credit Management Company takes all complaints very seriously and as such has preformed a thorough investigation into ***** *****'s 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: 02/21/2025

  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 want all communications submitted through BBB portal. So we have a communication trail that proves compliance with the FDCPA. And to prevent me from suffering anymore from your deceptive tactics. I just needed 2 documents (as stated in my letter). Failure to provide those will have legal consequences which I am determined to pursue. If you want to settle this quietly and free of financial distress on your end, REMOVE the account.
  
  
  
  
  
  Regards,
  
  
  
  ***** *****

• Initial Complaint

  Date:02/10/2025

  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.

  I am writing in regard to the debt you claim I owe in the amount of $898. At this time, I do not believe I am responsible for this obligation. In fact, this $898 alleged debt was posted to my credit karma twice for the exact same amounts. Now, only one remains. I am respectfully requesting that you provide verifiable proof of this debt. More precisely, I am requesting the original signed agreement or contract that establishes the validity of this debt. Please provide any and all documentation that clearly demonstrates my legal obligation. I would appreciate to receive this via certified mail. I look forward to your prompt response to quickly and efficiently resolve this matter. Thank you in advance for your assistance.

  Business Response

  Date: 02/20/2025

  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: 02/20/2025

  [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,
  
  ******** ******