Complaints

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

close

Find a Location

North American Credit Services has 2 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

BBB accredited

Near

Country

USUnited States

Please enter a valid location.

Filter

• 

  North American Credit Services

  2810 Walker Rd Chattanooga, TN 37421-1191

  
• 

  North American Credit Services

  PO Box 182221 Chattanooga, TN 37422-7221

  

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:10/24/2022

  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.

  I went to a Centra Care and was charged $50 after insurance. I paid in two installments of $25, one in March and one in April. Months later, I received a letter from NACS collections saying I owed $25. I emailed them multiple times showing the proof of payment, but have not received a response.

  

  Business Response

  Date: 11/07/2022

  Good Afternoon,

  We have reviewed and researched the complaint.  It was found that 2 $25 payments were credited to the account but on 04/02/22, $25 was refunded.  

   

  Please call 1-800-467-5654 to discuss how to resolve the balance with one of our customer service representatives.  Thank you.

  

  Business Response

  Date: 12/05/2022

  We have now been requested to close the account in our office by the provider's office.  Thank you.  

  Customer Answer

  Date: 12/06/2022

  
  
  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. I have proven that I was not refunded any money and paid my bill in full. The collections agency has agreed to close the case.
  
  
  
  Sincerely,
  
  
  
  **** *******

• 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 received a collection letter from North American Credit Services dated 9/14/2022 for Advent Health Medical Group of West Florida for the amount of $1,820.60. I asked for validation of this debt and they sent a letter dated 10/6/222 for the amount of $1,259.29. I asked for validation of the debt and I receive a letter with an account summary that is completely different. This letter and the account summary do not have matching totals. I have monthly automatic payments for this account with Advent Health for the amount of $100.00. This payment is taken on the 5th of every month from my American Express Card. I contacted Advent Health and this account was not transferred to their new system and was placed in collections as a result. I contacted Advent Health on 10/13/2022 and was told that this account would be removed from collections. I logged on to my Advent Health Bill Portal today, 10/13/2022, and the amount they have listed is completely different and it does not show any delinquency. It also explains their transition to a new billing system and the errors that may occur.

  

  Business Response

  Date: 10/17/2022

  Thank you for contacting us.  We have reviewed and researched your complaint.  It was found that you have multiple debts totaling $1,820.60.  The dispute you requested information on was only for the debt totaling $1,259.29.  These debts are not for the hospital but for a Physician/s.

  Please contact our office to discuss any further questions you have with one of our customer services representatives at 1-800-467-5654, ext 399.  Thank you.

  

  Business Response

  Date: 10/31/2022

  We have provided validation as required by law based on your dispute.  If you have further questions on which accounts you are paying on with the providers billing office versus what accounts we have in collections for you, you may contact our customer service department at 1-800-467-5654, ext. 399.  Thank you.

  Customer Answer

  Date: 10/31/2022

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: I have not received anything from you other than the original collections letter and your response letter to my validation request. I have asked you for validation for the account number your office provided in the original debt collection letter. I have not received anything in the mail from you regarding all debts associated with the the account number your office provided. Your previous correspondences stated that you had to contact the client to get this information, and you would mail that information to me. What is the status of that? When can I expect to receive that information? And according to the LAW, I have every legal right to ask for complete and full validation of any alleged debt. So please, follow the LAW and provide this information.

   

  
  
  
  Sincerely,
  
  
  
  ***** ******

• Initial Complaint

  Date:09/01/2022

  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 received a debt collection bill in the mail 8/31 for a bill I have never missed a payment on. There was no minimum payment when coming from the hospital. I had paid $5.00 every time. I don’t understand why it got sent to a debt collector. I also had tried to dispute the charges anyways.

  

  Business Response

  Date: 09/01/2022

  We have reviewed your complaint.  Unfortunately we are unable to accept a $5.00 arrangement to hold your account at this time.  At that rate would take over 41 years to pay off your balance.  Please contact our collections department at 800-467-5654 to discuss what options would be available for you.  Thank you.