Business Profile

Credit Services

Credit Central

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Complaints

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

Customer Complaints Summary

47 total complaints in the last 3 years.
17 complaints closed in the last 12 months.

If you've experienced an issue

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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:05/27/2025
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 inform you of a fraudulent account that has been opened in my name with ************. I am a victim of identity theft and did not authorize this account. The details of the fraudulent account are as follows:

Creditor Name: ************ Opened Date: 5/25/2022
Account Number: *********

I kindly request that you close this account immediately and remove any negative information related to it from my credit report. Additionally, please provide confirmation of the account closure and any relevant documentation pertaining to this fraudulent activity.

For your reference, I have attached a copy of my Identity Theft Complaint to support my claim.

Thank you for your prompt attention to this serious matter.
Business Response
Date: 05/30/2025
Dear ******* ****** *****
We are in receipt of the above-referenced complaint submitted to the Better Business Bureau (BBB) on
5/26/2025, alleging your account was fraudulently opened using your personal information without your
knowledge or permission. We have conducted an investigation with the information we have on file and
the partial ID Theft Affidavit submitted by you with your complaint and are unable to determine the
validity of this claim. To investigate your claim of identity theft further, we need additional information
and documentation. Please provide the following:
1. Completed ID Theft Affidavit (enclosed) – MUST BE NOTARIZED;
2. Copy of government-issued photo identification (i.e. driver’s license, state-issued ID card, passport);
3. Proof of residency (during the time the disputed loan was opened); and
4. Valid Police Report.
Please provide the documents listed above by mail or email at:
****** *******
***** **********
*** **** ***** ******* ***** **
*********** ** *****
*******************************
We will investigate your allegations upon receipt of all required documentation. If we have not received
the required documents within thirty (30) days of the date of this letter, we will consider your claim
closed.
If you have any questions, please contact us at ***** *********
Sincerely,
Compliance Department
Initial Complaint
Date:03/24/2025
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 report a fraudulent account opened in my name with your institution. I am a victim of identity theft and did not authorize the creation of this account. Below are the details of the fraudulent account:

Creditor Name: CreditCentral
Opened Date: 11/14/2022
Account Number: *********
High Credit: $1,424

I kindly request that you close this account immediately and remove any negative information associated with it from my credit report. Additionally, I would appreciate it if you could provide confirmation of the account closure and any relevant documentation related to the fraudulent activity.

Thank you for your prompt attention to this matter.
Business Response
Date: 04/03/2025
Dear *** ********

We
are in receipt of your complaint filed with the Better Business Bureau (BBB)
dated 03/22/2025 alleging identity theft.

To
investigate your claim that you did not open your account, we require the
following documentation:

Completed ID Theft Affidavit – MUST BE NOTARIZED (enclosed);
Copy of government-issued photo identification
(i.e. driver’s license, state-issued ID
card, passport);
Proof of residency (during the time the disputed loan was made); and
Valid Police Report.

Please
return the completed documents listed above to the address below, and we will
open an investigation into your allegations.

Compliance: ID Theft
Credit Central
700 East North Street, Suite 15
Greenville, SC 29601

If
you have any questions, please contact us at (864) 242-4422.

Sincerely,

Compliance Department

Enclosure
Initial Complaint
Date:02/05/2025
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 dispute a fraudulent account that has been erroneously reported on my credit report with CREDITCENTRL. This account does not belong to me, and I am the victim of identity theft. I demand an immediate investigation and removal of this account from my credit report.

Account Details:

Creditor Name: CREDITCENTRL
Opened Date: 7/24/2019
Account Number: ******************
This fraudulent entry is causing significant harm to my credit and financial standing. I expect the necessary corrections to be made immediately and a written confirmation once this matter has been fully resolved.

If this issue is not addressed promptly, I will have no choice but to take further steps to ensure my credit is properly protected and the fraud is fully investigated.
Business Response
Date: 02/13/2025
*** *******
We are in receipt of your complaint filed with the Better Business Bureau (BBB) dated 2/05/2025 alleging your accounts do not belong to you.
In order to investigate your claim that you didn’t open your accounts, we will need you to provide us with the following documentation:
1. Completed ID Theft Affidavit – MUST BE NOTARIZED (enclosed);
2. Copy of government-issued photo identification
(i.e. driver’s license, state-issued ID card, passport);
3. Proof of residency (during the time the disputed loan was made); and
4. Valid Police Report.
Please return the completed documents listed above to the address below, and we will open an investigation into your allegations.
Compliance: ID Theft
Credit Central, LLC
*** **** ***** ******* ***** **
Greenville, SC 29601
If you have any questions, please contact us at ***** *********
Sincerely,
Compliance Department
Initial Complaint
Date:01/28/2025
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.
Originally I found an Hard Inquiry on my credit report on December 12, 2023 from Credit Central. I did NOT give them permission to run my credit at all. I disputed it and it was taken off of my credit report but out back on. But did NOT realize it was put back on.

I noticed they ran my credit AGAIN- On January 15, 2025 and yet again I did NOT give them permission to do so

I did NOT call either times- As I do not make any calls on my breaks unless necessary and neither time was. As well As i can NOT use my phone while I am on the production line.

I did NOT go into any location as both times I worked passed the time they closed-

I did NOT go online and apply for anything on either day.

If they want to claim I went into the location- please give exact time and who I spoke to.

If they want to claim that I applied online- I would like to know the time they “received “ the so called application.

If they want to claim I called- I would like to hear the recording, Which location I called, what time I called and who I spoke to.

These so called inquiries was NOT done with my permission and I want them off of my credit report. I had to put a freeze on all 3 of them so that way, they don’t run my credit again without my permission.
Business Response
Date: 02/06/2025
Dear *** ********:

We are in
receipt of your complaint filed with the Better Business Bureau (BBB) dated 01/27/2025
disputing hard inquiries on your credit report. Credit Central had permissible
purpose to pull your credit report in connection with our collection efforts. Following numerous unsuccessful
efforts to reach you to help you get your account on track, we accessed your
credit file to find new, current contact information. We believe that
communication with our customers is the key to a successful business relationship,
and we are willing to help in any way that we can. Please contact the branch
servicing your loan on or before your due date at (931) 490-9986 if you need to
make arrangements to pay on a different date or if you have any questions
regarding the terms of your loan. Inquiries will
remain on your credit file for two years from the date of file access. However,
we submitted a request to the credit reporting agencies to change the inquiries
from hard to soft. Soft inquiries are only visible to you and do not affect
your credit score.

Sincerely,
Compliance Department
Initial Complaint
Date:12/02/2024
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 am not liable for the debt related to CREDITCENTRL. I have no agreement with CREDITCENTRL, and they have not provided the original contract as I requested.
Business Response
Date: 12/12/2024
Dear *** ******:

We are in
receipt of your complaint filed with the Better Business Bureau (BBB) dated 12/2/2024
stating that Credit Central has not provided the original contract as you
requested. Credit Central has no record of such
request. Copies of
loan documents bearing your signature may be obtained at the branch location
where you opened your loan. To protect your privacy, please be prepared to
provide valid, government-issued photo identification prior to the contract
being released to you.

Credit Central
is required by the Fair Credit Reporting Act (FCRA) to furnish all credit
information fully and accurately to the credit reporting agencies and
accordingly, we are unable to grant your request to remove accurate, factual
data.

Sincerely,

Compliance Department
Initial Complaint
Date:08/20/2024
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 pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter and I have felt suicidal lately as a result so I demand this matter be resolved in a fair and equitable manner, which hasn’t been done.

CREDIT CENTRAL # **********
These account are related to a transaction and experience that falls under the EXCLUSION section of the FCRA’s definitions; rules of construction section. It was also reported without my written consent and therefore is a result of idwentity theft (as defined by the Federal Trade Commission), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least $1,000 per the civil liability section for willful non-compliance. Please DELETE this item from my consumer report!

DELETE THESE ITEMS AND ISSUE ME A NEW, UPDATED COPY OF MY CONSUMER REPORT!
Business Response
Date: 08/30/2024
Dear *** **************

We
are in receipt of your complaint filed with the Better Business Bureau (BBB)
dated 8/20/2024 alleging identity theft.

To
investigate identity theft, we need you to provide the following documentation:

Completed ID Theft Affidavit – MUST BE NOTARIZED (enclosed); and
Valid Police Report.

Please
return the completed documents listed above to the address below, and we will
open an investigation into your allegation.

                        Compliance: ID Theft
                        Credit
Central, LLC
                        *** **** ***** ******* ***** **
                        Greenville,
SC 29601

If
you have any questions, please contact us at ***** *********

Sincerely,

Compliance Department

Enclosure
Initial Complaint
Date:08/16/2024
Type:Customer Service 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 HAVE ASKED THIS BUSINESS NOT TO CALL ME MONTH AFTER MONTH. I REQUESTED FOR ALL CORRESPONDENCE TO BE DONE BY MAIL, BUT I KEEP GETTING CALLS MONTH AFTER MONTH AND I HAVE ASK THEM TO STOP CALLING ME OVER 90 DAYS AGO.
Business Response
Date: 08/26/2024
Dear *** *****

We are in receipt of your
complaint filed with the Better Business Bureau (BBB) dated 8/16/2024
requesting no further contact, except by mail.
We have updated your account record and will honor this request.

Sincerely,

Compliance Department
Customer Answer
Date: 08/27/2024
[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.

Regards,

****** ****
Initial Complaint
Date:06/27/2024
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.
On June 5th, I mailed a money order from VA, where I am currently studying, and mailed it to Credit Central. On the 15th of June, they called me on 12th of June to say it had not arrived. I let them know that I mailed it on the 5th from Danville, VA. They said they would give it til the 15th to show up and call again. When they called, I was in class, and I didn't return their call unitl later in the day. When they told me it still hadn't shown up, I said I have the tracking number, I'll check what I can do about getting a replacement. The money order has not been cashed in yet, so I attempted to get a replacement, but could not because my Govt. ID is from Texas, not from VA where I bought it. So, I cannot get a replacement sent here because I do not have a Govt. ID for the state of VA. I could get it sent to the state of Texas where I will return to in 2 months, but I wouldn't be able to pick it up for two months until I got there to take it to them. I bought my plight to MoneyGram themselves and was told that the business who the money order was made out to needed to claim the replacement because it was made out to them. I tried to explain this. I really did. Brenda did not understand and will not take the information she needs to get this replacement sent out to the business and is continuing to charge me late fees on something that I have done more than my due diligence to take care of.
Business Response
Date: 07/11/2024
Dear
*** *******

We are in receipt of your complaint submitted
to the Better Business Bureau (BBB) on 6/26/2024 concerning a lost money order. The money order was received and posted to
your account on 6/27/2024. The late fee
was waived.

Sincerely,

Compliance Department
Customer Answer
Date: 07/12/2024
[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.

Regards,

******** ******
Initial Complaint
Date:06/10/2024
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.
This Company Sold My Personal Information To Another Company And Now They Trying To Collect. "Validation Of Debt" 15 USC 1692 Of The Credit Report Protection Act, States If You Sell A Consumer Personal Information It's Illegal, And Fines Can Be Given Out. This Company Write Off This Debt
If $892 (January 2021) Again $1,082 (September 2023)As A Tax Write Off. How You Still Trying To Collect After You Sold The Debt?
Business Response
Date: 06/12/2024
Dear ******** ******:

We are in receipt of your complaint filed
with the Better Business Bureau (BBB) dated 06/08/2024 alleging Credit Central
sold your personal information to another company and is now trying to
collect. Credit Central does not sell or
assign loans to debt collection agencies.
Credit Central has established a
business practice of charging off debt after a period of nonpayment, but we are
not writing off any amount owed. The outstanding balance may be on your
credit report up to 7 years from the first date of delinquency. If you would like to discuss payment options,
please call our Legal Center at ***** *********

Sincerely,

Compliance Department
Initial Complaint
Date:05/28/2024
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 went to the Credit Central business location where my loan was supposedly originated from today, May 24th, 2024 to negotiate final settlement for a contract (appearing on my credit report as being opened on June 26th 2017). The store Manager stated “their computer system was down” and was unable to locate my contract, terms or balance.

That individual called their regional manager who was also unable to locate any data regarding loan origination, the contract terms, or the balance of the account. The store manager actually asked me for a copy of MY credit report—a VIOLATION of the FCRA & The Privacy Act (5 U.S.C. 552a, as amended) so they could discovery any debt I MAY owe.

The store manager looked for my contract, terms & balance for almost an hour unsuccessfully before admitting to a co-worker that “all contracts are destroyed after seven years”.

The store manager returned to me and stated I must contact their legal department to authorize them to take payment (for a contract they cannot locate in good faith when asked to produce said contract).

As I have made reasonable effort to resolve this matter fully & in perpetuity, I request that the debt be removed from my credit report. I have an audio recording of this interaction (which is legal as Tennessee is a one-party convent state) to prove my statements are true, along with proof that ALL of my other non-medical debts have been paid and settled. Again, I request this debt be removed from all credit reports.
Business Response
Date: 06/03/2024
Dear *** ********

We are in receipt of your complaint filed
with the Better Business Bureau (BBB) dated 05/24/2024. Our attorney, Chip D*****, contacted you on
05/29/2024 to discuss settlement. You
agreed to a settlement of 80% of the garnishment amount, plus costs, and your
judgment will be set aside, and case dismissed.
Once we receive your payment, we will furnish to the credit bureaus in
our next monthly data file that your current balance is zero with a special
comment that your account was paid in full for less than the full balance.

Sincerely,

Compliance Department

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