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Business Profile

Credit Services

Credit Central, LLC (Parent Co.)

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Credit Services.

Complaints

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

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Credit Central, LLC (Parent Co.) has 197 locations, listed below.

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    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 Complaint

    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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:09/09/2022

      Type:Billing Issues
      Status:
      Answered
      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 currently a client of a debt settlement company. I have multiple loans that I am trying to settle on. This company continues to call me every day. Disrupting my workday. It is really nerve-racking sometimes. And I wish they would stop. I’ve been a customer with this company for A long time. I’ve always been my payments on time. When I first started this program. I had not heard from this company in two months.

      Business Response

      Date: 09/13/2022

      Dear
      Ms. ********:

      We are in receipt of your complaint filed
      with the Better Business Bureau (BBB) dated 9/9/2022 requesting that we cease
      and desist phone calls.  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 ***** *********  

      Sincerely,

      Dana H********
      Director of Compliance, Paralegal

    • Initial Complaint

      Date:08/12/2022

      Type:Billing Issues
      Status:
      Answered
      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 not sure the if the date I was contacted ; but I got a call from credit central I’m sylacauga Al asking me about a check that they sent to our previous address . An address we haven’t lived at since 2019 . Apparently the checked was cashed ; I don’t know the amount . And put on my credit . I was alerted by this and contacted credit central . The lady asked me to come in and verify my signature; I did . And it wasn’t mine . I showed and gave copies of my license and SSI. She call wanting me to do a police report and bring it to them . That’s not my responsibility . I have no dealings with them ; nor did they give me a loan . I want them to remove it from my credit and stop harassing me .

      Business Response

      Date: 09/02/2022

      Dear Mr. ******

      We
      are in receipt of your complaint filed with the Better Business Bureau (BBB)
      dated 8/12/2022 alleging your account does not belong to you.

      In
      order to investigate your claim that you didn’t open your account, 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
                              Credit
      Central, LLC
                              *** **** ***** ******* ***** **
                              *********** ** *****

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


      Sincerely,


      Compliance Department


      Enclosure

    • Initial Complaint

      Date:08/09/2022

      Type:Billing Issues
      Status:
      Answered
      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 creditor has different last activity dates reported on 3 bureaus, different balance and also different balance on each bureaus. In Fair Credit Reporting Act that all bureaus must ensure the accuracy on each credit report but what is this? what's happening on my credit report? It's all different that's why I want these to be deleted ASAP!!

      CREDIT CENTRAL - EPO
      Account Number: ******************

      Business Response

      Date: 09/02/2022

      Dear Ms. *********:

      We
      are in receipt of your complaint filed with the Better Business Bureau (BBB)
      dated 8/9/2022 regarding inconsistent data on your credit reports.  If
      you disagree with any information contained in your credit reports regarding
      your account with Credit Central, please submit a valid dispute to the address below
      fulfilling the requirements of the Fair Credit Reporting Act (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 have received that information, we
      will open an investigation.

      Compliance:  Direct Disputes
      Credit
      Central, LLC
      *** ** ***** ******* ***** **
      *********** ** *****


      Sincerely,

      Compliance
      Department

    • Initial Complaint

      Date:08/02/2022

      Type:Billing Issues
      Status:
      Answered
      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 paid off this account earlier this year. Once I paid off the account with the rep over the phone. They stated it would take up to 60 days for the account to be removed from my credit report. It's still reflecting on my credit report. I would like for the item to be removed from my credit report like promise.

      Thanks.

      Business Response

      Date: 09/02/2022

      Dear Ms. *****:

      We
      are in receipt of your complaint filed with the Better Business Bureau (BBB)
      dated 8/2/2022 requesting that your account be removed 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.  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.

      Compliance:  Direct Disputes
      Credit Central, LLC
      *** ** ***** ******* ***** **
      *********** ** *****

      Sincerely,

      Compliance
      Department

    Credit Central, LLC (Parent Co.) is NOT a BBB Accredited Business.

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