Complaints

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:06/11/2025

  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.

  This complaint is a formal follow-up to CFPB case #******-20824113 regarding a collection account reported by ********************** (Account #*********), which I have already *********** your response to the ****, your company stated that you sent a direct response to me. However, I have not received any such communication, and I do not consent to being contacted outside of the BBB portal. I am submitting this complaint specifically to ensure all communication is documented and traceable, as I am maintaining a complete paper trail in preparation for possible legal proceedings.I have attached the settlement letter your company did send at an earlier time, which names **************** as the original creditor. In response, I contacted **************** directly, and they confirmed that they have no record of this account being associated with me and could not validate the alleged balance of $576.76. This raises serious concerns about the validity of the debt, especially since your company is now offering to settle for just $145 suggesting even further uncertainty about its ************* addition, this account appears to be connected to the ************ breach, for which I have provided my official claim ID as proof. Also, based on my states statute of limitations, this account is no longer legally enforceable for collection. I am demanding the immediate deletion of this account from all consumer credit reporting agencies. If the matter is not resolved within four (4) days, I will pursue legal action and file complaints with additional regulatory agencies, including the ***, and my state attorney general.All future communication is to remain exclusively within this BBB complaint portal.

  Customer Answer

  Date: 06/13/2025

  This account is not in litigation. I stated that if the matter is not resolved within four (4) days, I will pursue legal action and file complaints with additional regulatory agencies, including the FTC, and my state attorney general. This complaint is a formal follow-up to CFPB #250515-20824113 regarding a collection account reported by Complete Credit Solutions (Account #D2535****), which I have already disputed. The company stated that they sent a direct response to me. However, I have not received any such communication, and I do not consent to being contacted outside of the BBB portal. I am submitting this complaint specifically to ensure all communication is documented and traceable, as I am maintaining a complete paper trail in preparation for possible legal proceedings. I have attached the settlement letter your company did send at an earlier time, which names “Purchasing Power” as the original creditor. In response, I contacted Purchasing Power directly, and they confirmed that they have no record of this account being associated with me and could not validate the alleged balance of $576.76. This raises serious concerns about the validity of the debt, especially since your company is now offering to settle for just $145 — suggesting even further uncertainty about its legitimacy. In addition, this account appears to be connected to the Equifax data breach, for which I have provided my official claim ID as proof. Also, based on my state’s statute of limitations, this account is no longer legally enforceable for collection. I am demanding the immediate deletion of this account from all consumer credit reporting agencies
  

  

  Business Response

  Date: 06/16/2025

  CCS Account # ******           ********* ******
  Better Business Bureau Complaint  23451436 6.16.25
  Complete Credit Solutions, **** (CCS) purchased a file of charged off consumer debt originated by **************** on December 18, 2020. Included in this purchase was the outstanding and delinquent debt owed by ********* ******.
  Our records indicate this account originated on August 07, 2018, through an arrangement between **************** and ********* ****** employer at that time. The original **************** account number is ********* with a balance of $1,048.54 (Attachment A). The last payment was received on September 06, 2018, for the amount of $40.33 and the account was charged off by **************** on June 26, 2019, and the amount was $576.76.
  To date, CCS has received EOSCAR disputes from ***********, Equifax and Experian. As required by the **** a complete investigation was conducted, and information has been verified. A response was submitted to ****** within the time allotted by the ****.   
  It should be noted that *** received two CFPB complaints from ********* ****** on May 16, 2025, and May 20, 2025 (Attachment B and C). A fraud packet was attached to our responses, and we also sent via the package via email to ********************** requesting documentation to investigate the account. However, to date, no documentation has been provided by ********* ******, making it impossible to assist with the investigation. *** will once again be addressing the fraud packet through this complaint (see attachment D). As previously notified to ********* ******, CCS needs to receive the requested documentation to begin its investigation process.
  CCS is more than willing to investigate the claim of fraud/identity theft.  However, that will require ********* ****** to provide our office with all the necessary documents. Upon receipt of that information CCS can elevate the claim back to ****************.  CCS is interested in working together with the investigation of the account for identity theft.
  If you require any additional information, please contact *** ******* at ******************.    

• Initial Complaint

  Date:04/29/2025

  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 checked my credit on April 2nd and this company is reporting on my credit report. I do not recognize this company nor do I have a contract with them. This account is stopping me from buying a house. This is a violation of my privacy right.

  Customer Answer

  Date: 04/29/2025

  This is not a billing matter they are reporting a debt on my credit that I don't recognize and I have sent communication via mail with no response from the company. 

  

  Business Response

  Date: 05/01/2025

  CCS Account # ******                                         ******** *******
  ********************************** web portal response 5.1.25
  Complete Credit Solutions, **** (CCS) purchased a file of charged off consumer debt originated by **************** on December *******. Included in this purchase was the outstanding and delinquent debt owed by ******** *******.
  Our records indicate this account originated on December 02, 2017, through an arrangement between **************** and ******** ******* employer at that time. The original **************** account number is *********. Through this agreement ******** ******* financed 4 loans (attachment A, B, C and D) for the amount of $5,167.80. Due to nonpayment **************** charged off the account on July 29, 2019, and the amount charged off was $3,530.30.
  CCS has received multiples EOSCAR ACDV originated by ******** ******* through Experian and TransUnion. As required by the **** a complete investigation was conducted, and information has been verified. A response was submitted to ****** within the time allotted by the CRAs. 
  To date, CCS has had no direct communication with ******** ******* by telephone or email.  In an effort to show cooperation with your office and attempt to resolve this matter with ******** *******, CCS would like to establish a mutual agreement that will be beneficial for both parties.Provided an agreement can be reached, CCS will report the debt as Paid in Full to all three CBRs.
  If you require any additional information, please contact *** ******* at ******************.    

  Customer Answer

  Date: 05/01/2025

  Complaint: 23261245
  
  I am rejecting this response because:I write in response to your correspondence dated May 1, 2025 regarding CCS Account #****** and the alleged debt purchased from ***************** I hereby formally reject your claim, as I have never entered into any contract or agreement with **************************** (CCS). Furthermore, your collection and reporting practices violate multiple provisions of federal consumer protection statutes, including the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). Below, I identify each statutory violation and demand that you immediately cease all collection activities, provide proof of a valid contractual relationship and chain of title, and correct any erroneous information with all consumer reporting agencies.
  
  1. No Contractual Relationship
  I categorically deny the existence of any contract between ******** ******* (the Consumer) and CCS. **** assertion that it purchased a charged-off account and holds the right to collect this debt is without legal foundation, as no signed or verifiable contract has ever been provided. Under federal law, a debt collector must establish a valid basis for collection, including the original contract and chain of assignment, before initiating any collection activity.
  
  2. Violations of the Fair Debt Collection Practices Act (FDCPA)
  2.1 *********************** with Third Parties
  15?U.S.C. ?1692c(b). Without my prior consent, *** may not communicate with any person other than me, my attorney, the creditor, or permitted third parties. Your claim of an agreement through an arrangement between **************** and [my] employer suggests communication with an unauthorized third party in violation of this section Legal Information Institute.
  2.2 Harassment or Abuse
  15?U.S.C. ?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 debt collection. **** repeated demands and threat of negative reporting constitute harassment under this provision Legal Information Institute.
  2.3 False or Misleading Representations
  15?U.S.C. ?1692e. *** may not use any false, deceptive, or misleading representation in connection with the collection of a debt. Your assertion of a binding contract with me (when none exists) and the potential mischaracterization of balances violate this prohibition Legal Information Institute.
  2.4 Unfair Practices
  15?U.S.C. ?1692f. A debt collector may not use unfair or unconscionable means to collect a debt. Attempting to collect on an unverified and uncontracted debt is unfair and unconscionable under this section Legal Information Institute.
  2.5 Failure to Validate Debt
  15?U.S.C. ?1692g. *** must send a written validation notice within five days of its initial communication, detailing the amount of the debt, the name of the original creditor, and my right to dispute the debt. You have neither provided proper validation nor verification of my alleged debt ****************************
  2.6 Continuing Communication After Dispute
  15?U.S.C. ?1692c(c). Upon receipt of my written dispute or notice to cease communication, you must discontinue further contact except to inform me that collection efforts are terminated or to notify me of specific remedies you intend to pursue. You have failed to honor this obligation after my dispute *************************
  
  3. Violations of the Fair Credit Reporting Act (FCRA)
  3.1 Furnisher Responsibilities
  15?U.S.C. ?1681s-2(b). A furnisher of information to consumer reporting agencies must investigate any dispute, correct inaccuracies, and notify agencies of the results. *** has reported inaccurate information regarding my account status and failed to conduct a reasonable investigation of my dispute ****************************
  
  4. Demands
  Cease and Desist: Immediately cease all collection activities and communications regarding Account #******.
  Proof of Contract: Provide a copy of the original signed contract and the complete chain of title demonstrating CCSs valid assignment of this debt.
  Correct Reporting: Remove or correct all adverse information from my credit reports furnished to all consumer reporting agencies.
  If you fail to comply with these demands within 30 days, I will pursue all available remedies under federal law, including statutory damages, actual damages, and attorneys fees pursuant to 15?U.S.C. 1692k and 1681n1681o.
  
  Regards,
  
  ******** *******

  

  Business Response

  Date: 05/07/2025

  CCS Account # ******                                         ******** *******
  BBB Complaint web portal response 5.7.25
  As we had explained previously Complete Credit Solutions, **** (CCS) purchased a file of charged off consumer debt originated by **************** on December 18, 2020. Included in this purchase was the outstanding and delinquent debt owed by ******** *******.
  Our records indicate this account originated on December 02, 2017, through an arrangement between **************** and ******** ******* employer at that time. The original **************** account number is *********. Through this agreement ******** ******* financed 4 loans (attachment A, B, C and D previously sent) for the amount of $5,167.80. Due to nonpayment **************** charged off the account on July 29, 2019, and the amount charged off was $3,530.30.
  CCS has received multiples EOSCAR ACDV originated by ******** ******* through Experian and TransUnion. As required by the **** a complete investigation was conducted, and information has been verified. A response was submitted to ****** within the time allotted by the CRAs. 
  To date, CCS has had no direct communication with ******** ******* by telephone or email.   
  Since you report that this account does not belong to you, CCS is attaching the payment history made to the account issued through your employer at the time of the purchase (attachment E). If you still believe the account does not belong to you, we are attaching a fraud package (attachment F, G and H)requesting some documents to begin an evaluation of your account. It is extremely important to receive all documents in order to process the claim. You can send the documents to ***************************** or by mail to *********************************
  If you require any additional information, please contact *** ******* at ******************.    
  

  Customer Answer

  Date: 05/13/2025

  Complaint: 23261245
  
  I am rejecting this response because:Dear Mr. **************** correspondence serves as my formal response to the alleged debt referenced in your BBB complaint response dated May 7, 2025. After a thorough review, I am asserting that Complete Credit Solutions, **** (CCS) has violated the Fair Debt Collection Practices Act (FDCPA), breached my privacy rights, and that the statute of limitations for debt collection in ******* has expired. Additionally, I challenge the legality of enforcing a purchased debt.
  Violations of the FDCPA
  Under the ****** CCS has violated several provisions, including but not limited to:
  807 - False or Misleading Representations:
  CCS cannot represent that it has the right to enforce a debt when the statute of limitations has expired.
  By alleging that the debt is valid without providing a legally sufficient validation of the debt, CCS may be misrepresenting the legal status of the debt.
  809 - Validation of Debts:
  CCS has failed to provide clear and sufficient evidence of the debts validity and chain of ownership, as required under 809(b).
  The documents provided (attachments AH) do not constitute adequate proof of the debts enforceability under federal and state law.
  805 - Communication with Consumers:
  CCS has initiated communication regarding a disputed account without my explicit consent and failed to cease collection activities until the debt is validated.
  Privacy Rights Violations
  CCSs submission of my personal information through the EOSCAR system, in response to ACDV disputes, may constitute a breach of my privacy rights under the Fair Credit Reporting Act (FCRA).
  The transfer of my alleged account and associated data without explicit consent further breaches privacy standards.
  Statute of Limitations in *******
  The statute of limitations for written contracts in ******* is 6 years, per Alabama Code 6-2-34.
  The alleged debt originated on December 2, 2017, and was charged off on July 29, 2019. This places the latest enforceable date in July 2025 (if written contract provisions apply). However, *** has not provided evidence of a written contract, and verbal agreements or open accounts are subject to a 3-year statute of limitations under Alabama Code 6-2-37.
  As of today, the statute of limitations has expired, rendering this debt unenforceable in any court of law.
  Purchased Debt Enforcement
  The purchase of charged-off consumer debt by *** does not inherently confer the legal right to enforce the debt.
  Alabama law and FDCPA standards require clear documentation of the chain of title, including original contracts with my signature and explicit transfer of the right to collect. Such documentation has not been provided.
  Conclusion and Demand
  In light of the above, I demand the following actions be taken immediately:
  Cease all collection activities and communications regarding this alleged debt.
  Remove any reporting of this debt from my credit reports with all Consumer Reporting Agencies.
  Provide a formal acknowledgment that this debt is unenforceable and has been closed.
  Cease the dissemination of my personal information through any third-party systems or agencies.
  Failure to comply with these demands may result in a formal complaint to the ************************************ (****) and legal action for violations of the ****** ****, and my privacy rights. I reserve the right to seek statutory and actual damages, including attorneys fees.
  
  Regards,
  
  ******** *******

• Initial Complaint

  Date:03/18/2025

  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 honestly dont get why COMPLETE CREDIT SOLUTI is reporting this debt under my name because I dont owe them anything. I never signed anything with them, and when I asked for a copy of the original application, they didnt even bother to provide it. Its frustrating because this is hurting my credit for no reason, and its just not fair. How can they just put something on my report without any proof?Account No: ***** Amount Disputed $3,811

  

  Business Response

  Date: 03/19/2025

  **. Worth BBB Complaint # ******** Response 3.19.25
  CCS Account # ******                 Lamarick *******
  Complete Credit Solutions, **** (CCS) purchased a file of charged off consumer debt originated by ******************** on November 29, 2021. Included in this purchase was the outstanding and delinquent debts owed by Lamarick *******.
  Our records indicate this account originated on November *******, through an agreement between ******************* and Lamarick *******. The original account number is *********. The last payment in the amount of $119.97 was received on March *******. Due to nonpayment the account was charged off on August 3, 2021, and the amount charged off was $3,811.05.
  CCS has received multiple EOSCAR **** originated by Lamarick *******. As required by the **** a complete investigation was completed and all sensitive and account information provided through the **** was verified (attachment A and B). The **** responses were submitted to EOSCAR within the allocated time limit. The **** code was also updated to XC.
  To date, CCS has had no direct communication with Lamarick ******* by telephone or mail.  In an attempt to resolve this matter with Lamarick *******, I ask that he contact me directly at ************ to discuss this account in detail. Hopefully, a mutual agreement can be reached that will be beneficial for both parties. Provided an agreement can be reached, *** will report the debt as Paid in Full to all three CBRs.   
  If you require any additional information, please contact *** ******* at ************ X 101.    

• Initial Complaint

  Date:02/21/2025

  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.

  Im liable for this debt with purchasing power i do not have a contract with complete credit solutions, they did not provide the original contract as requested

  

  Business Response

  Date: 02/21/2025

  BBB Complaint # ******** Response 2.21.25
  Complete Credit Solutions, **** (CCS) purchased a file of charged off consumer debt originated by **************** on December 18, 2020. Included in this purchase was the outstanding and delinquent debt owed by ****** ********.
  Our records indicate this account originated on August 01, 2017, through an arrangement between **************** and ****** ******** employer at that time. The original **************** account number is *********. Through this agreement ****** ******** financed 2 loans. (attachment A and B).  The last payment date was June 25, 2018, and the last payment amount was $66.18. Due to nonpayment **************** charged off the account on February 27, 2019, and the amount charged off was $806.87.
  To date, CCS has had no direct communication with ****** ******** by telephone, mail or email.  In an effort to show cooperation with your office and attempt to resolve this matter with ****** ********, CCS would like to establish a mutual agreement that will be beneficial for both parties Provided an agreement can be reached,CCS will reduce the current amount owed 50% and report the debt as Paid in Full to all three CBRs (attachment b). This is a limited time offer with an expiration date and CCS is not obligated to extend this offer past the expiration date.
  If you require any additional information, please contact *** ******* at ******************.    

• 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 not liable for this debt and I do not have a contract with COM CRED SOL plus they did not provide me with the original application like I asked.Account No: ****** Amount Disputed: $457

  

  Business Response

  Date: 02/07/2025

  BBB Complaint # ******** Response 02.07.25
  Previous complaints: 10/15/24 and 12/16/2024
  This is the third complaint answered by Luquonda ******, the first one was originally filed with your office in October 2024 and another in December 2024(see attachment A). The complaints were closed by your office due to Luquonda Waters failure to respond to our responses.
  As previously answered,Complete Credit Solutions, **** (CCS) purchased the file of charge off debt originated by **************** on June ******* including this purchase, the outstanding and delinquent debt owed by Luquonda ****** (Attachment B).
  Our records indicate that this account originated on June *******, though an agreement between **************** and Luquonda Waters with the original account number *********. The original balance for the contract in question was $1,585.16 with a last payment of $121.94 on October *******. Since Luquonda Waters did not continue making payments, **************** charged off the account on July 29, 2019.
  CCS has received multiple EOSCAR ACDV originated by Luquonda Waters through ************ Experian, and Equifax. As required by the **** a complete investigation was conducted, and information has been verified. A response was submitted to ****** within the time allotted by the CRAs
  Through E-Oscar ACDV Luquonda Waters attached a **** Complaint with a letter from *** logo indicating that the account would be closed because it was a fraudulent account. This letter was fraudulently created because *** did not issue it. (Attachment C).
  In October 2024, Complete Credit Solutions attempted to contact Luquonda ****** to discuss her complaint,but her response was that she charged for phone calls and CCS was unable to speak with her to properly work on the account and be able to complete or assist her with her claims.
  As today, CCS has had no direct communication by telephone or email. I also want to advise your office this matter between Complete Credit Solutions, *** and Luquonda Waters has been elevated to our legal department due to fraudulent and illegal actions committed by Luquonda ****** when filing complaints with your office, the **** and the CRAs.
   If you require any additional information, please contact *** ******* at ******************.    

• Initial Complaint

  Date:01/16/2025

  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 not liable for this debt and I do not have a contract with COMPLETE CREDIT SOLUTI plus they did not provide me with the original application like I asked.Account No: ***** Amount Disputed: $1255

  

  Business Response

  Date: 01/28/2025

  BBB Complaint # ******** Response 1.28.25
  Complete Credit Solutions, **** responded to this same complaint on December 21, 2024. This is a duplicate complaint.
  
  BBB Complaint # ******** Response 12.21.24
  Complete Credit Solutions, **** (CCS) purchased a file of charged off consumer debt originated by ***************************/************ on March 30, 2021. Included in this purchase was the outstanding and delinquent debt owed by ***************.
  Our records indicate this account originated on October 5, 2017, through a lease purchase arrangement between ************ and Makeilah France. The original *********** account number is *******. The amount financed by Makeilah France was $1,932.24 (Attachment A). The last payment in the amount of $173.90 was received on August 16, 2018. Due to nonpayment the account was charged off by *********** on July 31, 2018, and the charged off amount was $1,705.20.
  In May 2023 Makeilah France entered into a repayment agreement with one of our outsource collection agency.From May 17 through July 4, 2023, Makeilah France made five (5) payments to ************************* (MRC) totaling $450. No additional payments were received by *** and the account was recalled.
  To date, CCS has had no direct communication with Makeilah France by telephone, or email.  CCS has received multiple EOSCAR ACDV originated by *************** through ***********, Experian, and Equifax. As required by the **** a complete investigation was conducted, and information has been verified. A response was submitted to EOSCAR within the time allotted by the CRAs.  CCS has also mailed Makeilah France a letter on December 18, 2024, to the address the letter received on that same day. 
  I hope this response satisfied Makeilah France request for validation of the outstanding and delinquent debt.  In an effort to show cooperation with your office and attempt to resolve this matter with Makeilah France, we would like to establish a mutual agreement that will be beneficial for both parties.Provided an agreement can be reached, *** will report the debt as Paid in Full to all three CBRs.  
  If you require any additional information, please contact *** ******* at ******************.

• Initial Complaint

  Date:01/15/2025

  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 not liable for this debt with ***************** I do not have a contract with Complete credit solutions, They did not provide me with the original contract I requested.

  

  Business Response

  Date: 01/28/2025

  BBB Complaint # ******** Response 1.28.25
  Complete Credit Solutions, **** (CCS) purchased a file of charged off consumer debt originated by **************** on September *******. Included in this purchase was the outstanding and delinquent debt owed by ****** *********.
  Our records indicate this account originated on December 6, 2018, through an arrangement between **************** and ****** ********* employer at that time. The original **************** account number is *********. Through this agreement ****** ********* financed 3 loans (attachment A, B, C).  The last payment date was June 28, 2019, and the last payment amount was $204.00. Due to nonpayment **************** charged off the account on March 25, 2020, and the amount charged off was $3,331.44.
  On March 8, 2023, CCS received an inbound call from ******* *********. During the conversation he confirmed the outstanding was valid but was unable to pay at that time.
  To date, CCS has had no additional communication with ****** ********* by telephone, mail or email.  In an effort to show cooperation with your office and attempt to resolve this matter with ****** *********, CCS would like to establish a mutual agreement that will be beneficial for both parties Provided an agreement can be reached, CCS will reduce the current amount owed 50% and report the debt as Paid in Full to all three CBRs (attachment D). This is a limited time offer with an expiration date and CCS is not obligated to extend this offer past the expiration date.
  If you require any additional information, please contact *** ******* at ******************.    

• Initial Complaint

  Date:01/15/2025

  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 not accountable for the debt alleged by COMPLETE CREDIT SOLU. There is no contract between me and COMPLETE CREDIT SOLU, and they have not provided the original agreement as requested.

  

  Business Response

  Date: 01/28/2025

  BBB Complaint # ******** Response 1.28.25
  Complete Credit Solutions, **** (CCS) purchased a file of charged off consumer debt originated by ******* Furniture- ******/*********** on July 13, 2021. Included in this purchase was the outstanding and delinquent debt owed by ****** *********.
  Our records indicate this account originated on February 18, 2020, through a lease purchase arrangement between ************ and ****** *********. The original ************ account number is *******. The amount financed by ****** ********* was $8,909.04 (attachment A). The last payment date is September 23, 2020, and the last payment amount was $401.83. Due to nonpayment the account was charged off by *********** on December *******, and the amount charged off was $7,799.61.
  CCS has received and processed multiple E-Oscar ACDV originated by ****** ********* through Experian, Equifax and TransUnion. As required by E-Oscar and the Credit ****************** each dispute has been investigated and responded was summited within the allotted timeframe.
  To date, CCS has had no direct communication with ****** ********* by telephone, mail or email.  In an effort to show cooperation with your office and attempt to resolve this matter with ****** *********, CCS would like to establish a mutual agreement that will be beneficial for both parties. Provided an agreement can be reached,*** will reduce the current amount owed 50% and report the debt as Paid in Full to all three CBRs (attachment B). This is a limited time offer with an expiration date and CCS is not obligated to extend this offer past the expiration date.
  If you require any additional information, please contact *** ******* at ******************.    
  

• Initial Complaint

  Date:01/13/2025

  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'm not liable for this debt with ***************** I do not have a contract with Complete Credit Solutions Inc, they did not provide me with the original contract as I requested.

  

  Business Response

  Date: 01/14/2025

  BBB Complaint # ******** Response 1.14.25
  Complete Credit Solutions, **** (CCS) purchased a file of charged off consumer debt originated by **************** on December 19, 2022. Included in this purchase was the outstanding and delinquent debt owed by ***** *****.
  Our records indicate this account originated on December 18, 2018, through an arrangement between **************** and ***** ***** employer at that time. The original **************** account number is *********. Through this agreement ***** ***** financed 1 loan (attachment A).  The last payment date was March 4, 2019, and the last payment amount was $111.54. Due to nonpayment **************** charged off the account on January 28, 2020, and the amount charged off was $2,259.10.
  To date, CCS has had no direct communication with ***** ***** by telephone, mail or email.  In an effort to show cooperation with your office and attempt to resolve this matter with ***** *****, CCS would like to establish a mutual agreement that will be beneficial for both parties Provided an agreement can be reached, CCS will reduce the current amount owed 50% and report the debt as Paid in Full to all three CBRs (attachment C). This is a limited time offer with an expiration date and CCS is not obligated to extend this offer past the expiration date.
  If you require any additional information, please contact *** ******* at ******************.    

  Customer Answer

  Date: 01/14/2025

  Complaint: 22801127
  
  I am rejecting this response because:
  I am not obligated to a debt with this company. I dont have a contract with Complete Credit Services. I demand the debt be removed from my credit report because we dont have a contract or agreement to any debt. 
  Regards,
  
  ***** *****

  

  Business Response

  Date: 01/28/2025

  BBB Complaint # ******** Response 1.28.25
  That is our best and final offer. However, CCS is open to payment arrangement for that same amount. We request that ***** ***** contact our office ************ to discuss payment arrangements.

• Initial Complaint

  Date:01/08/2025

  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 not liable for this debt with ***************** I do not have a contract with Complete Credit Solution, they did not provide me with the original contract as requested.

  

  Business Response

  Date: 01/14/2025

  BBB Complaint # ******** Response 1.14.25
  Complete Credit Solutions, **** (CCS) purchased a file of charged off consumer debt originated by **************** on January 3, 2024. Included in this purchase was the outstanding and delinquent debt owed by ****** ******.
  Our records indicate this account originated on April 21, 2023, through an arrangement between **************** and ****** ****** employer at that time. The original **************** account number is *********. Through this agreement ****** ****** financed 2 loans (attachment A & B).  The last payment date was April 23, 2023, and the last payment amount was $.80.40. Due to nonpayment **************** charged off the account on December 19, 2023, and the amount charged off was $2,267.52.
  To date, CCS has had no direct communication with ****** ****** by telephone, mail or email.  In an effort to show cooperation with your office and attempt to resolve this matter with ****** ******, CCS would like to establish a mutual agreement that will be beneficial for both parties Provided an agreement can be reached, CCS will reduce the current amount owed 50% and report the debt as Paid in Full to all three CBRs (attachment C). This is a limited time offer with an expiration date and CCS is not obligated to extend this offer past the expiration date.
  If you require any additional information, please contact *** ******* at ******************.