Complaints

This profile includes complaints for Credit Central, LLC (Parent Co.)'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  Credit Central, LLC (Parent Co.)

  700 E North St Ste 15 Greenville, SC 29601-3013

• 

  Credit Central, LLC (Parent Co.)

  2472 Pepperell Pkwy Opelika, AL 36801-6257

• 

  Credit Central, LLC (Parent Co.)

  1734 E Main St Prattville, AL 36066-5582

• 

  Credit Central, LLC (Parent Co.)

  517 Broad St Gadsden, AL 35901-3719

• 

  Credit Central, LLC (Parent Co.)

  102 N 3 Notch St Troy, AL 36081-2010

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:03/24/2023

  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.

  Invasion of privacy . Kristi at ****** ******* in beaufort saw my father at the harold’s country club and/or store and told him that I need to pay my money I owe them . After 8pm closing hours

  Business Response

  Date: 04/03/2023

  Dear
  Ms. *********
  
  We are in receipt of your complaint filed
  with the Better Business Bureau (BBB) dated 3/23/2023 requesting no further
  contact from ****** ********  We will
  honor your request.  We have updated your
  account record to reflect that you do not wish to be contacted.  Should you wish to discuss your account in the
  future, please contact the branch servicing your loan directly at ***** ********.
  
  
  Sincerely,
  
  
  Compliance Department

• 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.

  I am not liable for this debt with Credit Central LLC & AFF and do not have a contract with convergent. They do not provide me with the original application like I asked.

  Business Response

  Date: 01/27/2023

  
  ******** *****
  BBB
  Online Portal
  
  Re:       Complaint ID # ********
  
  Dear Ms. *****:
  
  We
  are in receipt of your complaint filed with the Better Business Bureau (BBB) dated
  1/23/2023 alleging that you are not liable for your debt with Credit Central and
  that we did not provide the original application when you asked. 
  
  Your complaint does
  not provide adequate information to identify the account(s) you are disputing.  If you wish to dispute your credit in the
  future, please mail a direct dispute to:
  Compliance: Direct
  Disputes
  ****** ******** ***
  *** ** ***** ******* ***** **
  *********** ** *****
   We
  only investigate a direct dispute when a consumer provides a complete Direct
  Dispute Notice that includes the following:  (i) sufficient information to identify the
  account in dispute (e.g., name, address, full account number, etc.); (ii) the specific
  information being disputed and an explanation of the basis for the dispute; and
  (iii) substantiating documentation or information from the consumer (e.g., a copy
  of the relevant portion of the consumer report that contains the allegedly
  inaccurate information, a completed and notarized identity theft affidavit, a valid
  police report, a court order, or account statements) (collectively, the “Direct
  Dispute Notice Information”).
  
  
  Sincerely,
  
  
  Compliance Department

• Initial Complaint

  Date:01/05/2023

  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.

  1.I have never had an account with this company CREDIT CENTRAL LLC & AFF, REMOVE from all credit agencies from reporting.
  2.“consumer” means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code §1692a (3)
  3.This letter is in pursuing 15 U.S. Code §1692c (c) Ceasing communication
  4.I am the “consumer” mentioned in 15 U.S. code §1692a (3) You are CREDIT CENTRAL LLC & AFF the debt collector 15 U.S. Code1692a (5) I am invoking specified remedies under use 15 U.S. code §1692c (c) (2) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code §1692c (c) (1)
  5.I am the executor under the 15 U.S. Code §1692c (d) pursing to 15 U.S. Code §1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section: (1) (2) and (4)
  6.According to 15 U.S. Code §1962e (8) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
  7.15 U.S. Code §1692e (12) The false representation or implication that accounts have been turned over to innocent purchasers for value.
  8.As mentioned in the 15 U.S. Code §692f Unfair practices (8)
  9.While pursuing to §1692g (b) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.
  10.15 U.S. Code §1692k Civil Liability (a) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of— (1) (2) (A) (B) (3)

  Business Response

  Date: 01/13/2023

  Dear Mr. ******:
  
  We
  are in receipt of your complaint filed with the Better Business Bureau (BBB)
  dated 1/5/2023 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:
  
  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
                          ****** ******** ***
                          *** **** ***** ******* ***** **
                          *********** ** *****
  
  If
  you have any questions, please contact us at ***** ********.
  
  
  Sincerely,
  
  
  Compliance Department
  
  
  Enclosure

• Initial Complaint

  Date:12/28/2022

  Type:Order 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.

  Over $800
  The company turned down my attempt to pay off the loan in full.
  The company garnished my wages every week for six weeks, and still claim I haven't paid the loan off.

  Business Response

  Date: 01/05/2023

  Dear Mr. ********:
  
  We
  are in receipt of your complaint filed with the Better Business Bureau (BBB) dated
  12/27/2022 stating that Credit Central claims you have not paid off your loan
  after your wages were garnished. 
  
  *******
  *******, Director of Legal Center, spoke with you on 12/28/2022 to address your
  concerns.  She explained the legal
  process including how judgment was received and how a balance was due after the
  initial garnishment was filed.  You
  agreed to pay a settled balance of $85.00 (the balance owed without court costs)
  on Friday, 12/30/2022 in our Opelika branch. We have not received payment as of
  the date of this letter. Ms. ******* also advised that once the settled balance
  is paid, a satisfaction of judgment will be filed, and the court will mail a
  copy to you. If you have any questions about your account, please contact Ms. *******
  ******* at ***** ********.
  
  
  Sincerely,
  
  
  Compliance Department

• Initial Complaint

  Date:12/07/2022

  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.

  My name is ******* *****, located in **********, AL. I’m filing this complaint because **** ******* ******* ***** *** has maliciously taken advantage of me. On 11/17/2022 I called Credit Central and was directed to a branch in Gadsden, AL. There, I spoke with Kristy and another lady about asking if they would be willing to negotiate a lower amount so I can settle the account. I gave them all my information again, my bank information, everything they asked me for and more. I was told to call back in two business days for the response in the system. I called back at least 5 times from 11/17/22 - 12/6/22 and they stated nothing was in the system yet, to continue to call back. I kept calling and calling. I have phone records. They never said it was declined, just to keep calling until they receive an answer. On 12/6/22, my entire bank account was wiped out, including my student loan refund. I called the Gadsden branch back and asked them what happen. None of the workers knew how to assist me so I asked to speak the manager. The manager, Charlie S****** declined to speak with me. Charlie refused to provide me with any info. I still don’t have any documentation about the amount taken from my bank account is paid. If Charlie couldn’t assist me, she should have declined the request and had me contact a someone else the first time I called in asking for assistance with the payout. They lead me on thinking I was being helped and worked on to discard of me. If Charlie couldn’t help me, I would’ve made a large payment of what I legally had to give. I’m requesting an investigation into my account and profile

  Business Response

  Date: 12/19/2022

  Dear Ms. *****:
  
  We are in receipt of your complaint
  filed with the Better Business Bureau (BBB) dated 12/07/2022.  Our records indicate that you stated you did
  not want to speak with the manager on 12/07/2022 when she was available.  On 02/28/2022, we offered to settle your account
  for $900.00.  We are not obligated to renegotiate.
  
  
  Sincerely,
  
  
  Compliance Department

  Customer Answer

  Date: 12/20/2022

  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. 
  
  Good morning, 

  
  

  Credit Central is not providing accurate information regarding my complaint. Yes, I called them 2/2022 and I requested a reduction that was not offered. Their entire system was down, per the woman I spoke with. I’m requesting that they look into their system’s failures and see that they had a system outage those days. Their IT person is able to see that I’m telling the truth. Now, regarding my most recent call to them, the manger declined to speak with me! I called back to get the manager’s name and number and I spoke with the rep Kristy. That’s another reason why I filed this complaint in the first place. The manager refused to speak with me! It’s extremely disheartened to have to fight for my rights when they fail to ensure their employees are updating the CRM properly. No manager has reached out to me, ever! Lower management nor upper management to understand my concerns. Is a company allowed to decline speaking with clients? Why am I being treated this way? I have been patient and professional throughout this whole ordeal but I can’t get anyone to assist me or even speak with me. This company doesn’t even have a signed contract on file or even my drivers license to know if this is even my account. I am concerned and I would like someone to call or email me, if they don’t have time to talk over the phone. Can you tell me what my next steps are? I’m in the blind in every aspect of this. 
  

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

• Initial Complaint

  Date:10/20/2022

  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.

  Credit Central (Bessemer, Alabama) uses unethical tactics in its collection processes. They call references when it is not necessary to do so. The purpose of contacting references is to contact the creditor, not reveal unnecessary information or call when direct contact has already been made with the creditor. I will pay my bill. However, I'd like to cease contact communication via phone.

  Business Response

  Date: 11/04/2022

  Dear Mr. ****:
  
  We
  are in receipt of your complaint filed with the Better Business Bureau (BBB) dated
  10/20/2022 requesting no further phone communication.  We will honor this request.  We have updated your account record to
  reflect that you do not wish to be called.
  
  Sincerely,
  
  Compliance Department

• Initial Complaint

  Date:10/20/2022

  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.

  I received a loan from ****** ******* and due to unforeseen circumstances, my loan is past due. I have accepted calls from the creditor to discuss the past due again. Today, I took a call from Tonya at the Bessemer, Alabama branch and advised her that I can make a payment a week from today. She said she could not "hold" the loans and that collections calls would continue if I could not physically come into the branch and sign a "promise to pay," I am unable to visit the office for a number of reasons but I do intend to pay the loan. Tonya told me that the would call my references until the account is current. There is no reason whatsover to call my references when direct contact has been made with me. At this time I wish to cease all phone communication from the company to me and my references. A call was made to my daughter-in-law before a call was ever made to me. I believe that the objective is to ridicule the customers for past-due payments because too much information is given out when calling references. I hope that this not occurring with all customers. I request to not be contacted via phone and my references not be contacted via phone.

  Business Response

  Date: 11/04/2022

  Dear Ms. ****:
  
  We
  are in receipt of your complaint filed with the Better Business Bureau (BBB) dated
  10/20/2022 requesting no further phone communication to you and your references.  We will honor this request.  We have removed your references and updated
  your account record to reflect that you do not wish to be called.
  
  ****
  ****s, District Supervisor, spoke with you on 10/22/2022 to address your
  concerns.  He advised that your account
  will be handled differently and only by the branch manager going forward.  Mr. ****s honored your payment arrangement
  for 10/28/2022.
  
  Sincerely,
  
  Compliance Department

• Initial Complaint

  Date:10/13/2022

  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'm depressed and suicidal after dealing with the unauthorized use of my personal information.
  Which resulted in this unauthorized item on my credit report. I sent letters over 30 days ago and they failed to get back with me with sufficient validation. This account violates the FDCPA and must be deleted immediately because those are serious violations and I could be compensated for them.

  Business Response

  Date: 10/20/2022

  Dear Ms. *******:
  
  We
  are in receipt of your complaint filed with the Better Business Bureau (BBB) dated
  10/13/2022 stating that we failed to reply to your letter.  We have no record of any letter received from
  you either by mail or electronically.  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.
  
  If
  you disagree with any information contained in your credit report regarding
  your account with our Company, please submit a valid dispute to the address below
  fulfilling the requirements of the FCRA.  Those requirements are to (1) identify any
  specific information that you dispute; (2) explain a basis for any dispute; and
  (3) include any supporting documentation to substantiate any dispute.  Once we receive that information, we will investigate.
  
  
  Sincerely,
  
  
  Compliance Department

• Initial Complaint

  Date:09/19/2022

  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 fell into financial hardship in June and I haven’t been able to pay the balance on my bill. Ever since then I have been getting several phone calls to my own phone to the point I had to block the number. Now I am getting collection calls to my job every other day and it is putting my employment in jeopardy since we aren’t allowed to receive personal calls on the job. I would like someone from corporate to contact me so we can reach a resolution.

  Business Response

  Date: 09/28/2022

  Dear Mr. *****:
  
  We are in receipt of your complaint filed
  with the Better Business Bureau (BBB) dated 9/18/2022 stating you wish no further
  contact at your place of employment.  We
  will honor this request.  We have updated
  your account record to reflect that you do not wish to be called at your job.
  
  ******** *****, District Supervisor, spoke
  with you about your bill over the phone on 9/20/2022.  Mr. ***** reviewed your account history with
  you and explained that communication needs improvement.  You said you would call the branch by the end
  of the day.  However, we have not heard
  from you or been able to reach you since that date.  We believe that communication with our
  customers is the key to a successful business relationship, and we are more
  than willing to help as long as you communicate with us.
  
  Sincerely,
  
  Compliance Department

• Initial Complaint

  Date:09/19/2022

  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 9/16/2022 this company contacted a family member of my husband which we don't have contact with nor we have communication with regarding the status on my loan. This individual was never used as a reference in this company and they keep contacting people whom i dont have communication with that aren't the references I provided for them.

  Business Response

  Date: 09/26/2022

  Dear Ms. ********:
  
  We are in receipt of your complaint filed
  with the Better Business Bureau (BBB) dated 9/16/2022 stating you wish no
  further contact by the business.  We will
  honor this request.  We have updated your
  account record to reflect that you do not wish to be called.  Should you wish to discuss your account in the
  future, please contact the branch servicing your loan directly at ***** ********.
  
  Sincerely,
  
  Compliance Department