Credit Services
Credit CentralThis business is NOT BBB Accredited.
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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
Submit a ComplaintThe 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:05/08/2024
Type:Billing IssuesStatus: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 CENTRAL IS REPORTING A CHARGE-OFF ACCOUNT ON
MY CREDIT REPORT THAT SHOWNING A Balance OF $418
FOR ACCOUNT STARTING WITH
*****. A CHARGE OFF
ACCOUNT CAN NOT HAVE A BALANCE WITHOUT
SENDING ME A ****** TO CANCEL OUT THE DEBT WITH *** SINCE THIS SHOWS A BALANCE IT MAKES IT TAXABLE
INCOME THEY DID NOT REPORT THIS CHARGE OFF TO
THE ***. I ASK THAT ACCOUNT BE REMOVED ASAPBusiness Response
Date: 05/17/2024
Dear *** ********:
We are in receipt of your complaint filed with the Better Business Bureau (BBB) dated 05/08/2024 claiming a charge-off account cannot have a balance without sending a ******* Please note that a ****** is not required for balances lower than $600.00.
Sincerely,
Compliance DepartmentCustomer Answer
Date: 05/17/2024
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.
[To assist us in bringing this matter to a close, Please let us know below why you are rejecting the offer made by the business. A Charge Off can't reflect a balance if it's charged off so please remove from my credit reports
Regards,
****** ********Initial Complaint
Date:04/30/2024
Type:Billing IssuesStatus: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 this dept with ******* **************, I do not have contract with CREDITCENTRL, they did not provide me with the original contract as i requested.Business Response
Date: 05/03/2024
Dear *** *********
We
are in receipt of your complaint filed with the Better Business Bureau (BBB) dated
04/30/2024. Our records indicate you
opened your account on 05/29/2019. By
signing the loan agreement, you agreed to repay the loan in 9 monthly
installments of $84.00 beginning 06/29/2019.
No payments have been received.
Credit Central is required by the Fair Credit Reporting Act (FCRA) to
furnish all credit information fully and accurately to the credit reporting
agencies, so we are unable to grant your request to update your tradeline to “paid
as agreed never late” or remove this information from your credit report.
Copies
of any loan documents bearing your signature, which you requested in your
complaint, may be obtained at the Credit Central branch location where you
opened your loan. To protect your
privacy, please be prepared to provide valid, government-issued photo
identification prior to the copies being released to you.
Sincerely,
Compliance DepartmentInitial Complaint
Date:01/05/2024
Type:Customer Service IssuesStatus: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.
Credit Central LLC & AFF reported an increase from $0 to $626 in a debt which would indicate that I’ve opened a new account or charged something to an account with this creditor, Although I have not recently opened an account with this Creditor, or any account with them that I am aware of. Credit Central LLC & AFF also reported a write/charge off. Any and all charge offs would have been 7 years ago or longer for any overdue accounts that I have had and could have been completed and reported no later than 1 year ago (6 year statute of limitations).
I did not open an account with this creditor and have had no overdue accounts with any creditor in over 7 years since my bankruptcy which is beyond the six year statute of limitations and therefore any reporting beyond this time is unjust, too late and not legal. Such accounts would be falling off my credit report a year ago or more instead of incurring new reports.
Please provide proof of any new/original account, original signed contract with your company that is within 6 years and rights to report, to my Bankruptcy and Credit attorney ****** ***** ** ************ ** *********************** as well as a copy to my home address.
If any account should prove to either not be my account or to be mine and is older than the 6 year statute of limitations, then please completely remove the 3 entries from my credit report and all other credit reporting your company has added since.
All necessary legal fees are free for me under my company legal plan and therefore not an inconvenience for me to take any legal steps, should you choose that is the best way to resolve the issue.
Please do not call me. Send all communication to my attorney and myself by email and posted mail.Business Response
Date: 01/15/2024
Dear Mr. *****:
We
are in receipt of your complaint filed with the Better Business Bureau (BBB) dated
01/05/2024 requesting removal of your accounts from your credit report.
Our
records indicate you opened account number ******************** on 01/06/2017
when you refinanced your previous loan.
By signing the loan agreement, you agreed to repay the loan in 8 monthly
installments of $79.00 beginning 02/05/2017.
On 02/07/2017, you filed a petition for bankruptcy. Your case was dismissed on 10/17/2018. No payments have been received since your
case was closed. Credit Central furnishes
credit information for 7 years following the first date of delinquency in
accordance with the Fair Credit Reporting Act (FCRA). Your first date of delinquency was 03/05/2017,
so this account should continue to report until March 2024. As that date is quickly approaching, we have
submitted a request to delete the account to the three major credit reporting
agencies (******** ********* *** **********).
Please allow 7 – 10 business days for your credit report to update. Copies of any loan documents bearing your
signature, which you have requested, may be obtained at the Credit Central branch
location where you opened your loan. To
protect your privacy, please be prepared to provide valid, government-issued
photo identification prior to the copies being released to you.
Other accounts you have had with Credit Central were paid
off as agreed and never delinquent.
Nondelinquent credit information can appear on your credit report for up
to 10 years after an account was closed.
Sincerely,
Dana H********
Director of ComplianceCustomer Answer
Date: 01/18/2024
Better Business Bureau,
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution (removal of this account from my credit record) is satisfactory to me.
Regards,
****** *****Initial Complaint
Date:12/28/2023
Type:Service or Repair IssuesStatus: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: Complaint Against Credit Central for Violating "Do Not Call" Registry
Dear Better Business Bureau,
I am writing to file a formal complaint against Credit Central regarding their persistent disregard for the "Do Not Call" registry regulations. Despite being registered on this list, I have received six unsolicited calls from Credit Central within the last five days.
This continuous harassment not only breaches my privacy but also violates the consumer protection guidelines set forth by the "Do Not Call" registry. Despite my repeated requests to cease these calls, Credit Central has shown a flagrant disregard for my privacy rights.
I am deeply concerned about this persistent and unwanted contact, which has caused me significant inconvenience and distress. I believe this behavior goes against ethical business practices and consumer protection regulations.
I request your immediate intervention to address this matter with Credit Central. I trust that the Better Business Bureau will take appropriate steps to ensure Credit Central adheres to the "Do Not Call" regulations and implements measures to prevent such violations in the future.
Thank you for your attention to this matter.
Sincerely,
******* *****Business Response
Date: 01/05/2024
Dear ******* ******
We
are in receipt of your complaint filed with the Better Business Bureau (BBB) dated
12/28/2023 requesting that we cease phone calls. We will honor this request.
Sincerely,
Compliance DepartmentInitial Complaint
Date:12/01/2023
Type:Billing IssuesStatus: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 acquired a loan for Credit Central online but through their **********, AL location in August 2023. My monthly payments are $97. Unfortunately, the October payment I mailed to them return. I received 2 phone calls about this on November 1. Actually, the 1st call was a rep stating my payment was due. Then the 2nd call was Misty, the store manager, telling me my payment was returned. I immediately mailed another check payment that same day. I believed on November 3rd, I received a letter in the mail from Credit Center informing me of the return check and the fees associated with the check. I then mailed an additional payment for the fees for $45. Credit Central began to call me everyday to ask me to make a payment and I informed them a payment was mailed to them. Unfortunately, the check I mailed on November 1st for $97 was returned to me. I contacted the postal service and the advised me my payments had to be addressed to the companies PO Box. I did not understand that because I have always addressed payments to their physical address. Therefore, Credit Central received the payment for the fees before they received the first payment I mailed for $97 (my monthly payment). I immediately mailed that payment back to Credit Central, unopened in the envelope the Postal Service mailed to me. However, it was addressed to the PO Box. Because Credit Central were receiving what appeared to be half payments, they returned both payments back to me. At this time also, I mailed them another $97 payment for my November payment. Finally in November 24th, I called their Corporate Office and spoke with a Supervisor. For the first time, the Supervisor told me I couldn’t mail them a check payment because of the return check and needed to pay with cash or a money order. I have no idea why no one, specifically Misty who wanted to argue with me every time we spoke, didn’t inform me of this. THAT SAME DAY I WENT AND GOT A MONEY ORDER FOR $136, THE AMOUNT THE SUPERVISOR TOLD ME TO GET.Business Response
Date: 12/12/2023
Dear
Ms. *******:
We are in receipt of your complaint filed
with the Better Business Bureau (BBB) dated 12/01/2023. The money order for $136.00 that you mailed
after speaking with a Supervisor was received and posted on 11/29/2023. We also received and posted another payment
in the amount of $97.00 on 12/08/2023.
Your account is now current.
Thank you for your payments. Credit Central appreciates your business.
Sincerely,
Compliance DepartmentCustomer Answer
Date: 12/13/2023
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,
******** *******Business Response
Date: 12/13/2023
December 12, 2023
******** *******
BBB Online Portal
Re: Complaint ID # ********
Dear Ms. *******:
We are in receipt of your complaint filed with the Better Business Bureau (BBB) dated
12/01/2023. The money order for $136.00 that you mailed after speaking with a Supervisor was
received and posted on 11/29/2023. We also received and posted another payment in the amount
of $97.00 on 12/08/2023. Your account is now current.
Thank you for your payments. Credit Central appreciates your business.
Sincerely,
Compliance DepartmentInitial Complaint
Date:08/18/2023
Type:Billing IssuesStatus: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.
In the month of April my mail was stolen. Credit Central LLC send a check in the mail in the amount of ****. The check was cashed with my new ID that also was stolen from my mail. I have previously lost my purse and I had just got my new ID. I filed a police report. There were some other accounts opened on my name but those were resolved. I have try to reach out to this company multiples times and no one can help. I also spoke with Yolanda O***** about this situation and no help at all. Everytime I called no one answer or I leave a voicemail and no one calls back. I recently disputed this account on my credit report. Transunion deleted but they reported the account back into my credit. I explained to them multiples times that I didn't cashed this check.Business Response
Date: 08/18/2023
Dear Ms. ******:
We are in receipt of your complaint filed with the Better Business Bureau (BBB) dated 08/17/2023 alleging identity theft.
To investigate your claim that you did not cash the check mailed to you, we require the following documentation:
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); and
3.Proof of residency (at the time the disputed account was opened).
Please send all documents listed above to the address below, and we will open an investigation of your allegations.
Compliance: ID Theft
Credit Central
*** **** ***** ******* ***** **
*********** ** *****
If you have any questions, please contact us at ***** *********
Sincerely,
Dana H********
Director of Compliance, Paralegal
EnclosureInitial Complaint
Date:08/07/2023
Type:Billing IssuesStatus: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 account was paid and settled with Credit Cental it was agreed it would be removed from credit reportBusiness Response
Date: 08/08/2023
Dear Mr. ******:
We
are in receipt of your complaint filed with the Better Business Bureau (BBB) dated
8/7/2023 alleging that Credit Central agreed to remove your account from your
credit report. Enclosed please find a
letter emailed to you on 1/27/2021 advising that we will furnish to the credit
bureaus that your current balance is $0.
Credit Central did not agree to remove your account from your credit
report. We are 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,
Dana H********
Director of Compliance, ParalegalInitial Complaint
Date:07/26/2023
Type:Billing IssuesStatus: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 this debt at Credit Central, LLC (Parent Co.) i do not have a contract with Credit Central, LLC (Parent Co.). they did not provide me with original contract as i requestedBusiness Response
Date: 08/04/2023
Dear Ms. ******:
We
are in receipt of your complaint filed with the Better Business Bureau (BBB) dated
07/24/2023 stating Credit Central did not provide you with your original
contract as requested. We have no record
of such request. The original contract is
retained until the loan is paid out. Copies of any loan documents bearing your
signature may be obtained at the Credit Central branch location where you opened
your loan at **** ******* **** ***** ** *********** ** *****. To protect your privacy, please be prepared
to provide valid government-issued photo identification prior to the copies
being released to you.
We
are 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 DepartmentInitial Complaint
Date:07/05/2023
Type:Billing IssuesStatus: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 5/17/23, I submitted disputes to the credit bureaus for an account appearing on my credit report, Credit Central EPO. I never received a response back so I went to the company directly. Still no response. Then I filed a complaint with the CFPB bureau, the company finally responded and said they mailed a letter on 6/02/23. I believe this is a lie, because today is 7/2/23 and the mail does not take 30 days. All I requested was simple validation/verification of the debt, any information at all, and the company also stated in their response to my complaint on the CFPB website that they could not provide me with any documentation, but that I had to go to a local branch. MAJOR RED FLAG. As I continued to wait on the mail they said they sent, I went over the letter again they posted in the CFPB website. The letter was photoshopped and it is so easy to see. My name, account number, and DATE, were photoshopped on a letter, I guess to make it look like they actually processed my letter to them. They continue to report information on my credit report, yet are unable to send me any information and are doctoring letters to make it look like they received my letters and responded to them.Business Response
Date: 07/14/2023
Dear Ms. ******:
We
are in receipt of your complaint filed with the Better Business Bureau (BBB) dated
07/02/2023 requesting debt validation. Credit Central does not sell or assign loans to debt
collection agencies. Debt
validation is a remedy under the Fair Debt Collection Practices Act (FDCPA),
which does not apply to Credit Central. You
can obtain copies of your loan documents and information at the branch location
servicing your account. In order to
protect your privacy, please be prepared to provide valid, government-issued
photo identification prior to the copies being released to you.
Credit Central received your dispute letter dated 05/17/2023
on 05/22/2023 and mailed our response, of which you have a copy, to you on
06/02/2023. The response was not photoshopped
or doctored. Unless you provide the
information requested in our response, we will not respond to future frivolous correspondence
from you. You must identify the specific
error you are disputing and present documentation substantiating the error. Then we will verify the accuracy of the
disputed information.
We are 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.
Respectfully,
Dana H********
Director of Compliance, ParalegalInitial Complaint
Date:03/27/2023
Type:Customer Service IssuesStatus: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 was contacted by Credit Central, a worker named Adrian who was asking me about a man by the name of Larry Lattimore. I know who this man is but have no personal knowledge of him or any of his family. The lady stated she had got my contact information from a report? And I have never had any dealings with this business whatsoever so I am not sure how she obtained my phone number but I am not happy about it at all! I asked her kindly to never contact me again.Business Response
Date: 04/03/2023
Dear
Ms. McCloud:
We are in receipt of your complaint filed
with the Better Business Bureau (BBB) dated 3/24/2023 requesting no further
contact from Credit Central. We will
honor your request.
Sincerely,
Compliance Department
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