Complaints

This profile includes complaints for CMI Credit Mediators, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  CMI Credit Mediators, Inc.

  PO Box 456 Upper Darby, PA 19082-0456

  
• 

  CMI Credit Mediators, Inc.

  414 Sansom St Upper Darby, PA 19082-2214

  

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:03/18/2025

  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.

  Just like the rest of us here in the comments section. I'm Here about **** Leads as well.. We set up a $1,000 budget limit on the contract and on their online platform and they went on to spend $30,000 without our authorization and shared our details with with the most rude, unprofessional and impolite people I ever spoke to in my life working at this company named CMI credit mediators. Not only we did nothing wrong They are constantly sending us street-level emails, voicemails and SMS threats. It's a shame this is an *****************

  Business Response

  Date: 03/21/2025

  To Whom it may concern:  CMI Credit Mediators *** is a commercial collection agency, we only do B2B business collections.   Our client Homeadvisor placed a business account

  Alpha Living in ** that owed them 40k for leads.  CMI has Left several messages for Hichem Hannafi  without success of ever speaking to him.  Our initial demand letter was 

  returned therefore no further letters went out.  I don't know how you can assess our business that has been in business for 50 years when you did not talk to anyone here.  CMI is here 

  to help you and our client come to some agreement with what is due or not due, but you have not responded to any messages.  Your account is still due to Homeadvisor - CMI will be placing the account on hold until our client closes it. 

   

  Have a nice day,

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

• Initial Complaint

  Date:01/17/2025

  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.

  Complaint Against CMI Credit Mediators ****We are filing this complaint against CMI Credit Mediators **** due to their unjust and aggressive collection practices related to an unresolved dispute with *****************The debt in question pertains to services provided by *********** that we disputed and for which we successfully filed a chargeback through our credit card company. The credit card company ruled in our favor as the dispute was based on legitimate grounds: *********** charged us for faulty leads, then suspended our account, blocking our ability to file credit requests for those leads.Despite winning this dispute, CMI Credit Mediators **** has sent multiple threatening emails demanding payment for the disputed amount. Their communications have included statements accusing us of ignoring our financial responsibilities and threats of accruing additional interest. These actions are unwarranted and unjustified, as this debt was already resolved in our favor through the chargeback process.We urge the Better Business Bureau to investigate this matter and take appropriate action to ensure that CMI Credit Mediators **** ceases these unfair collection practices. Their behavior has caused unnecessary stress and disruption to our business operations.Sincerely

  Business Response

  Date: 01/21/2025

  To Whom it may concern;  CMI received a commercial account from Homeadvisor - Top Leader Construction in Van **** Ca on 12/4/2024 with proof of debt.  CMI sent an

  email demand on 12/4/24 to advise Top Leader construction that *********** placed their account for collection.  

  CMI's collector called and left messages on: 12/19, 1/3 and 1/9 with no communication from Top leader construction.

  On 1/13 - another email was sent.  

  CMI has been in business for 50 years and follows all criteria necessary in the industry to be compliant.  Our letters and emails are industry standard, and all calls were recorded with 

  more than 3 days apart (industry standard).  

  It is obvious Top leader Construction is not going to pay their obligation to Homeadvisor so *** will close the account and return it to Homeadvisor. 

  If you have any questions feel free to contact me at ********************

  Sincerely,

  ****** Carliss  V.P. 

  Customer Answer

  Date: 01/21/2025

  [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:01/10/2025

  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.

  *** is sending emails and calling me despite several verbal and written requests not to contact me. They are a third party collection agency and the debt was paid directly to the company they claim to represent. There is no debt anymore and I want them to stop contacting me. they are violating the *****

  Business Response

  Date: 01/30/2025

  To Whom it may concern,  ***************** was placed with CMI Credit mediators **** by our client ******** Scotsman.  We accepted this commercial bill with proper paperwork which was provided by ******** Scotsman.   ****** refused to speak to us - therefor we (CMI) contacted the client and after a while they confirmed payment was received on the account.  

  MRW Investors account with *** is closed as payment in full and I assure this has not affected Mr. ******* companies credit in any matter what so ever. 

   

  Any further questions or concerns please feel free to contact me.

   

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

  V.P.

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

  Customer Answer

  Date: 01/30/2025

  [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
  
   Complaint: 22796241
  
  I am rejecting this response because: The tactics taken by *** were harassment. The Client ******* Scottsman failed to update their records and provided *** false information. I informed *** of this fact and provided the date the payment was made and still *** continued to call and email me. I asked *** to stop contacting me and at that time I refused to speak with them because I already had sever times over several months. *** failed to keep accurate records or request research from ******* Scottsman based on the payment information I provided. CMI was violating FDCPA by continuing to contact me for months after haven been asked to stop all forms on contact with me.

  An apology for the harassment and an assurance that *** will implement a change to their policy so that harassment is no longer committed on their part is what is needed. predatory collection tactics and harassment is not acceptable.
  
  
  Regards,
  
  ****** ******
  
  
  
  
  
  
  
  

  
  

• Initial Complaint

  Date:06/18/2024

  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 first applied for Angies list within two weeks and they gave me so many misleading and dead leads so they said I have to pay ***** plus dollars I have discussed with them that I wasnt active on the app and I never took a job so now they send cmi to come after me and they keep calling me harassing for payment I will not pay for a service that was misleading and unprofessional I just want them to leave me at peace

  Business Response

  Date: 07/01/2024

  To whom it may concern,  After reviewing the account - CMI has closed it's file, the claim was placed - worked and time is up ( on our end ) We do not credit report, all inquires will have to go to Anji, we are no longer handling the account.

   

  If you have any questions or concerns, feel free to call me at *************.

   

  Have a nice day,

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

  V.P.

• Initial Complaint

  Date:03/11/2024

  Type:Service or Repair 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.

  **** leads/home advisor took my credit card information and kept billing me after i told them stop. I called my bank and they agreed it was fraud and reversed charges. My bank is still looking into this as its not the first complaint they have gotten from angies list home advisor-who was just sued for same thing. I want my name taken off this and the harassment to stop.

  Business Response

  Date: 03/11/2024

  To whom it may concern,  *** is a commercial collection agency, we deal only with business the business collections.  Homeadvisor is a client of ours that placed ********************* Builders for collections on 3/9/2024 for the amount of $461.83.  CMI sent a letter to ********************* buidlers to advise them Homeadvisor placed them for collections.  That was all the interaction CMI had with **************.  CMI will close this account, and send it back to Homeadvisor. 

   

  Sincerely,

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

  V.P. 

  Customer Answer

  Date: 03/15/2024

  [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.  By accepting this response this will close all further issues with CMI and Homeadvisor. Neither company will contact me again.
  
  Regards,
  
  *********************
  
  

• Initial Complaint

  Date:01/25/2024

  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 keep getting calls from this company about a debt collection for HomeAdvisor/ ***** Leads but I have not used that service before and I have never got an email from a opened invoice that they claim is unpaid. I want to resolve this matter without it damaging my credit history but I will have to file a court order for fraudulent invoices if they dont validate it and can prove that I owe the amount they claim.

  Business Response

  Date: 02/29/2024

  *** is a commercial collection agency, we deal with business to business collections.  Homeadvisor/**** is a client of ours that place their outstanding A/R with us.  We received Perfect Tile for collections of an unpaid bill for "leads"  on 8/22/24.  CMI, left messages  and sent letters to ****** with no response.  On 2/8/24 our system closed this account and sent it back to Homeadvisor uncollected. If ****** has any further questions or concerns he needs to contact Homeadvisor, I don't know if they credit report but CMI does not on their accounts.  

   

  Sincerely,

  *************************;

• Initial Complaint

  Date:05/25/2023

  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’ve been getting mail and harassing phone calls from this office about my account with *** of Vero Beach, FL. Last December 2022, we had 2 new air conditioning systems installed in our house by ***. We were offered financing with ******** for the 2 systems, which we took. Around February, I started getting letters from CMI demanding $20,000.00 for the 2 systems. I’ve also been getting harassing phone calls and voice mails from CMI demanding payment. I called up ******** and I was told that our payments are up to date. They said that call from CMI is a scam. On May 10, 2023, i had a call from *** *******. He left a call back number ***-***-**** ext ***. He said my file number is ********. When I returned his call, he was insisting that he is trying to help me settle my account. He was very insistent despite my explanation to him about my ******** financing. He called me again this morning asking me to call him back. I want these calls to stop.

  Business Response

  Date: 05/26/2023

  To whom it may concern:  This account was placed with us on 3/10/23,  my collector has left 4 messages in 2 1/2 months.  On 5/10 ********************* called ******************** and her response to the call was: ****** upset about phone calls she insists has been makling pmts thru crdit union refused to supply proof sd is calling cli herself & hu.  

  CMI Credit Mediators was hired by *** to "clean up" their AR, we are here to supply them with proof of payments for their AR team to get up to date.  ******************** refuses to send any proof, attached is just the contract and no proof of payment, once we have proof we can move on.  

  Sincerely,

  *************************;

• Initial Complaint

  Date:02/20/2023

  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.

  Probably the worst company to ever work with. I spoke to *******************, every time i spoke about how MY business does and how MY clients owe money he would interrupt what i am saying and demand it his way or the high way. I then asked a few days later for a quick update for my financial partners and he threatened me via phone call. He claims he is the best but they are actually the worst. I spoke to him today to ask why i signed a commercial and individual agreement as there was 2 different people but similar issue happening and told me to Shut it and hang up. Again i do not recommend this company as it was a big waste of time. If anyone needs to contact him his email is Sincerely, ******************* Sales Manager /Compliance /Legal CMI Credit Mediators **** **********************

  Business Response

  Date: 03/08/2023

  Complaint # ********
  ***********************
  
  To Whom it may concern:
  
  *********************** reached out to CMI Credit Mediators Inc for help with an account that owned him money.
  ***** spoke with our Sale manger ******************* who listened to ***** about his unsatisfaction with another agency and **** wanted to help him.  ****** account was not a cut and dry commercial account and **** was trying to explain this.  CMI and **** took the account against our better judgment and placed it for collections on 2/7/2023.
  2/20/23 ***** emailed and wanted an update, **** emailed back explaining that we like to allow our collectors to do their work and we update every 30 days unless SIF or payment has been arranged or made.
  2/21/23 ***** called to complain about *********  The call was taken by the owner of the company, ************************* who followed up with an email:
  Thank you very much for the phone call, Proper customer service to our clients is paramount to CMI as our clients are very valuable to us.  I personally apologize for any poor service that your received.  The rest of the email was sorting out the complicated bill and who was liable for payment.
  2/27/23 ***** called and spoke with our collector and email additional information pertaining to the account.
  3/1/23 CMI received a BBB complaint from *********************** claiming my sale manager **** Threaten him and told him to shut it….after pulling all recorded phone calls between **** and *****, I found these accusations to be untrue. 
  
  CMI Credit Mediators Inc has been in the commercial collections business for 50 years, we are licensed and bonded in every state that requires it.  We belong to prestigious associations that would never allow the kind of behavior ***** claims.  All our collectors are certified, all calls are recorded, and owners are in the building at all time.  We are here to help resolve debt, and respect all parties involved we are experts in our field, following all laws and regulations. 
  Sincerely,
  ***************************
  V.P.
  

  Customer Answer

  Date: 03/12/2023

  [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
  
   Complaint: ********
  
  I am rejecting this response because:

  ***** took over the call as i told her how **** was using some decimation words that was not meant to be said. This violated my rights as a ****** person. I told ***** how i submitted this form on our first call and she agreed he was in the wrong even though i was still getting harassed  by **** (see the emails) If you see the email thread most communication was done via phone. in the beginning **** called me on his personals cell as he wanted me to submit both company's i own and all debt accounts. He did this to gain my trust and assuming he didn't want to be cough violating federals law.  **** told me he would update me weekly and not monthly. I told ***** all this and even emailed her the recorded calls where **** was still calling me some words. I attached the email thread where i demanding **** to stop messaging and to this day i received 15 more emails from ******************'s me and my company. He has done numerous business complaints on ****** my business and yelp still harassing's me and my company. I have told ***** this numerous times and she does nothing. 

  Regards,
  
  *************************

  Business Response

  Date: 03/17/2023

  To whom it may concern:  After reviewing your (Attachment) with my accredited BBB representative. We both conclude that your accusations are not validated. I also asked ***** if she received any recordings that you insist you sent her of **** "using words"  and she did not receive anything from you except emails with no recorded calls attached.  

  Being an advocate of the ***** community, I am disappointed in your slander of another minority, **** being a ***** man with no family, who is the most uplifting positive person I know.  He worked hard all his life without help, and this defamation will not stop him because he knows the truth as do I.

  It's funny what you are accusing **** of is the same accusations you made of the agency before us, and all **** wanted to do was help you. 

  I hope you well in your future endeavors, having your own business is a wonder thing, it's filled with many challenges but having a positive mind set will bring you more up's then down's.

  Good Luck!

  ***********;

• Initial Complaint

  Date:01/23/2023

  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.

  BBB, I am reaching out for assistance regarding a fraudulent claim from ************. They claim I owe them money when multiple times I declined to sign up with them. Fast forward to today, they pushed forward a 2,014,00 balance to a collection agency. I never signed up which is the most baffling part. They will do anything to take from small businesss. My business name is ***** **************** we will not pay a cent for services we did not use, will have our own legal team address this matter if not corrected by ************.

  Business Response

  Date: 01/30/2023

  to whom it may concern: This account is closed at CMI Credit Mediators Inc.  *********** placed this commercial collection account in May 2022 and per CMI's agreement we worked the account for 6 months and now it is closed.  If you have any questions please contact ***********.

   Thank you,

  Cheryl C**********

  V.P. 

• Initial Complaint

  Date:01/18/2023

  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.

  Date of first communication transaction was 01/04/2023,CMI Credit Mediators, Inc. reached out to me about a debt I have no knowledge of. The representative I spoke to goes by ******************. He was very respectful until I demanded documentation. As a federally protected consumer, I have the right to dispute alleged claims in a timely manner. In return to initial contact in which they received in writing. I asked for the following documents:-Proof of the original contractual agreement with stated alleged debt amount signed by both parties -Proof of original consumer signature on alleged document that holds consumer responsible -Name and address of original creditor -Send consumer proof that your company is licensed to collect debt in the state that the consumer resides in. According to Fair Debt Collection Practices Act, 15 USC 1692(g) Sec 809 Section (a) and Section (b) were both violated. Reason(s) for Section (a) being violated: Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing the information I requested Reason(s) for Section (b) being violated: If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. I received no documentation, they have only continued to call me.

  Business Response

  Date: 01/30/2023

  To whom it may concern:  CMI Credit Mediators Inc is a commercial collection agency, we received this bill on 1/4/2023 from our client **** **** ******** **, in reference to a CDL reimbursement for ****** ******** which is considered to be a independent contractor.   On 1/18 we received request for paperwork, my collector the same day called ****** to get an email address to send him what paperwork we had from our client and he said he did not have a good email and to send it via mail and confirmed his mailing address.  As I look at the account I see ****** called in to our office today 1/30 confirming receipt of the promissory note and stated he will call the client direct.  see below from our computer: DT means, debtor telephoned and CO means comment.
  
  01/30/2023 11:23 **** *****
  DT/CO
  ****** ack rec of prom note he sd calling cli himself to discuss
  
  Per the complaint, ****** wanted paperwork and we sent it, CMI will wait  to see what ****** and our client have discussed before proceeding forward.
  
  Thank you,
  
  Cheryl C******
  
  V.P.