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:04/03/2023

  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 purchasing power and do not have a contract with complete credit solution. They did not provide me with the original application like i asked.

  

  Business Response

  Date: 04/13/2023

  ******** BBB Complaint Response 4.13.2023
  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 was originated on October 16, 2017 through an arrangement between **************** and *********************** employer at that time. The original **************** account number is *********. The amount financed by *********************** was $745.87 (see attachment A).  The last payment in the amount of ***** was received on April 30, 2018 and the account was charged off by **************** on February 27, 2019.
  To date, CCS has had no direct communication with *********************** by telephone, or email.  CCS has received six EOSCAR disputes originated by *********************** through ************ Experian and Equifax.All have been verified and a response has been submitted back to the CRAs.  CCS has also mailed *********************** a letter to the address provided in EOSCAR disputes. We have not received a response to our letter from *********************** and the letter was not returned by the **** as undeliverable. 
  I hope this response satisfied *********************** 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 ***********************, we 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 ******************.    

• Initial Complaint

  Date:03/31/2023

  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.

  Complaint: 19880309
  
  I am rejecting this response because: I sent my *** report now I need this company to request this tradeline be removed from all credit reporting agencies I have already sent in the *** report to all the credit bureaus if this Tradeline is not removed off my credit report I will put in a complaint with the *** and seek compensation
  
  Regards,
  
  *************************

  

  Business Response

  Date: 04/03/2023

  ********* BBB Complaint # ******** Response 4.3.2023
  Complete Credit Solutions, **** (CCS) purchased a file of charged off consumer debt originated by **************** on September 13, 2022. Included in this purchase was the outstanding and delinquent debt owed by *************************.
  Our records indicate this account was originated on February 14, 2017 through an arrangement between **************** and ************************* employer at that time. The original **************** account number is *********. Through this agreement with ****************, ************************* originated three separate loans (see attachment A B C). The final payment in the amount of $40 was received on May 18, 2018 (attachment D).  This was 15 month after the first loan was originated.
  To date, CCS has had no direct communication with ************************* by telephone, mail or email.  Although ************************* provided a partially completed Identity Theft Report, CCS will require ************************* to provide a completed fraud/identity packet (attachment E) to ensure a proper investigation can be conducted regarding his claim and then elevated to **************** for final determination. 
  If you require any additional information, please contact ********************* at ******************.   

  

  Business Response

  Date: 04/13/2023

  Tell us wFt. Worth BBB Complaint # ******** Response 4.13.2023
  To date CCS has had no communication with ************************* by telephone, mail or email.  CCS has provided ************************* with all supporting documentation to validate the debt.  If he wants to still claim identity theft/fraud, he will have to complete the fraud packet that was provided to him through your portal.  As an option, ************************* can contact CCS directly at ************ and we will be happy to discuss the delinquent account with him in detail.
  I trust this will satisfy ************************* complaint with your office.  If you have any questions, please contact ********************* at ************.hy here...

  Customer Answer

  Date: 04/14/2023

  Complaint: 19880309
  
  I am rejecting this response because:
  
  I sent to the *** and the Attorney General and I will be seeking compensation. And this dialog has been documented 
  Regards,
  
  *************************

  

  Business Response

  Date: 05/01/2023

  ********* BBB Complaint # ******** Response 5.1.23

  I would like to point out, this is the third response CCS has sent to *************************. To date, CCS has had no direct communication with ************************* regarding this complaint. As stated in the last response, CCS has provided ************************* with all supporting documentation to validate the debt.  If he wants to still claim identity theft/fraud, he will have to complete the fraud packet that was provided to him through your portal.  I have attached *** Recovery document that outlines what is required to file a fraud/ID theft claim.  I have also attached the *** document that must be completed to file a fraud/ID theft claim.  ************************* can contact CCS directly at ************ and we will be happy to discuss the delinquent account with him in detail.

  Customer Answer

  Date: 05/01/2023

  Complaint: 19880309
  
  I am rejecting this response because:
  
  

  
  I've submitted FTC, CFPB complaints and BETTER BUSINESS BUREAU complaints against you because you're still reporting accounts that are the result of identity theft 
  
  Section 605B states that if A account is the result of identity theft, then it must be removed from my credit report.
  
  You didnt send me anything at all that would verify the accuracy of this account. I notified you that I am a victim of identity theft and this must be removed immediately sending a alleged bill from a unknown company when I have been a victim of identity theft is unacceptable and against the **** again request this Tradeline be Removed from all the credit reporting agencies Or I will contact the Attorney General and seek compensation.

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

• Initial Complaint

  Date:03/21/2023

  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.

  Complaint: 19628820
  
  I am rejecting this response because: CCS had 30 days to respond to all of the dispute claims that I have previously provided. The **** requires you to verify the validity of the item within 30 days. If the validity cannot be verified,you are obligated by law to remove the item.  I never received a response letter from CCS at the provided address. For either of the certified letters I sent to them. Ive provided enough documentation supporting my claim. Yet, CCS has not.  CCS failed to validate at my request, which is an FDCPA violation, and has to continued to report a disputed debt to the Credit Bureaus: another **** violation. In response to CCS comment  Since our response letter to the first certified letter was not returned as undeliverable by the ***** CCS did not respond to the second certified letter knowing the return address was the same , You had an obligation to respond to each and every certified letter, regardless of the return address being the same.     
  
  Regards,
  
  ***************** or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the ****. I look forward to an uneventful resolution of this matter.In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC ****. Complete Credit Solutions Account# ******** U.S.C ************** A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C **** section 602 A- States I have the right to privacy. 15 U.S.C **** Section 604 A Section 2- States A consumer reporting agency cannot furnish an account without my written instructions 15 U.S.C ****c (a)(5) Section States:

  

  Business Response

  Date: 03/28/2023

  ********* BBB Complaint Response Complaint # ******** 3.28.2023
  Complete Credit Solutions, **** (***) purchased a file of charged off consumer debt originated by ********.com on September 18, 2018. Included in this purchase was the outstanding and delinquent debt owed by *****************.
  Our records indicate this account was originated online through ********.com on December 12, 2016.  The original ********.com account number is *************. The original loan amount was $400. These funds were deposited in **************************** ********** account ending in ****. Only five (5) payments in the amount of $68.52 were received from ******************  The last payment was received on February 24,2017. Due to nonpayment and failure to honor the agreement, the account was charged off by ********.com on June 8, 2017 and the amount charged was $946.30 (attachment A)  
  With regards to ***************** comment I have contacted the collection agency myself,*** has never spoken with ***************** via telephone.  *** has received two certified letters from ******************  The first was received on April 14, 2022 (attachment B).  *** responded to this letter May 9, 2022 (attachment C).  The *** response letter was mailed to the address provided in the certified letter and included the documents that are provided here to in attachment A.  *** received a second certified letter from ***************** May 19, 2022 (attachment D). Since our response letter to the first certified letter was not returned as undeliverable by the ***** *** did not respond to the second certified letter knowing the return address was the same.     
  In addition to the certified dispute letters, ***************** has submitted eleven (11) ACDV dispute through ********************* and Equifax via EOSCAR. Through this process, ***************** has provided her Driver License and Social Security number and other information that has allowed *** to verify ***************** personal information associated with the outstanding debt. 
  In order for *** to conduct a complete investigation of ***************** claim this debt is not mine, *** request that ***************** contact our office and provide documentation supporting her claim.  Once received, the information can be researched and elevated to ********.com for additional information that will include email communication between ***************** and ********.com prior to executing the agreement.    
  I trust this response will satisfy ***************** complaint with your office. If you require any additional information, please contact ********************* at ******************.   

  

  Business Response

  Date: 04/03/2023

  ********* BBB Complaint Response Complaint # ******** 4.3.2023
  As mentioned in the Complete Credit Solutions, **** (CCS) first response, ***************** has submitted eleven (11) **** dispute through ********************* and Equifax via EOSCAR. The first **** dispute was received through EOSCAR via *********** on March 11, 2019.  On that same day, CCS submitted a response to EOSCAR and mailed ***************** our EOSCAR dispute letter (attachment B) to the address ***************** provided in the **** dispute.  This letter was not returned by ******************  In addition, it was not returned by the **** as undeliverable. 
  I would also like to point out again, CCS purchased the outstanding and delinquent debt owed by ***************** on September 18, 2018. On or around that same time, a letter was mailed to ***************** advising her CCS had purchased the outstanding debt. It is also clear that ***************** was aware the outstanding debt purchased by CCS when she submitted the *********** dispute through EOSCAR in March 2019.  So I do not understand why ***************** feels she can restart the 30 day debt validation period in May ***************************************************************************** April 2022 letter. 
  If you require any additional information, please contact ********************* at ******************.   

  Customer Answer

  Date: 04/03/2023

  Complaint: 19628820
  
  I am rejecting this response because: CCS is yet again refusing to validate said debt. After viewing Attachment A from 2019, it is clear that CCS has mailed out a response to the wrong address several times. You would think that after they received my other dispute letters with the correct address on them that they would've mailed out a response to the correct address, which they clearly did not. This is a clear case of refusal to validate. In response to restarting the 30 day debt validation period, I have proof that CCS has had over 60 days to verify the debt and refused to do so. I'm not understanding why is it so hard for CCS to adhere to FCRA and the ***** regulations
  
  Regards,
  
  *****************

  

  Business Response

  Date: 04/13/2023

  ********* BBB Complaint Response Complaint # ******** 4.13.2023
  To date CCS has had no direct communication with ******************  CCS has provided her documentation to validate the outstanding and delinquent debt.  I do not understand why she believes she can restart the 30 day debt validation period at her convenience.  If ***************** would like to resolve this matter, I ask that she contacts our office at ************ to establish a mutual agreement that will satisfy both parties.
  If you require any additional information, please contact ********************* at ************ X 101.   

  Customer Answer

  Date: 04/17/2023

  Complaint: 19628820
  
  I am rejecting this response because: CCS has not provided the documentation that legally validates this alleged debt. Proof of your right to own/collect this alleged debt, the balance claimed including all fees, interest, and penalties, and the contract bearing my personal signature that says I am to pay you CCS. CCS clearly understands that they have had several opportunities to validate my request but have failed to do so. Per the ***** this is a violation. I dont understand how CCS believes that they can mail out letters to random addresses and claim that this serves as them being delivered to the correct individual. I have provided proof that CCS has received the certified letters that I have sent. CCS has continued to report this disputed debt to the Credit Bureaus: another FCRA violation. I look forward to an uneventful resolution of this matter.
  
  Regards,
  
  *****************

  

  Business Response

  Date: 05/01/2023

  ********* BBB Complaint Response Complaint # ******** 5.1.02023
  I would like to point out this is the 4th response to ***************** through your web portal. To date, CCS has still not directly communicated with with ***************** regarding this matter. CCS has provided her documentation to validate the outstanding and delinquent debt.  I have attached another copy for her review. If ***************** would like to resolve this matter, I ask that she contacts our office at ************ to establish a mutual agreement that will satisfy both parties.
   

  Customer Answer

  Date: 05/02/2023

  Complaint: 19628820
  
  I am rejecting this response because: The document that CCS has provided does not provide proof of validation. CCS has failed on every attempt to validate the alleged debt. CCS has not provided competent evidence bearing my signature, showing that I have (or ever had) some contractual obligation to pay CCS. CCS is continuing to report the alleged debt to the credit reporting agencies after going beyond the 30 day validation period. This is a violation of the **** & FDCPA. 
  
  Regards,
  
  *****************

• Initial Complaint

  Date:03/09/2023

  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.

  In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC ****.Account name: complete credit solutions has violated my rights.15 U.S.C **** section 602 A. States I have the right to privacy.15 U.S.C **** Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions 15 U.S.C ****c. (a) (5) Section States: no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.15 U.S.C. ****s-2 (A) (1) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

  

  Business Response

  Date: 03/14/2023

  ********* BBB Complaint # ******** Response 3.14.2023
  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 was originated on July 2, 2018 through an arrangement between **************** and ******************************* employer at that time.The original **************** account number is *********. Through this agreement with ****************, ******************************* originated three separate loans (see attachment A B C).
  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 ******************************* we 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 ******************.   

• Initial Complaint

  Date:12/05/2022

  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.

  COMPLETE CREDIT SOLUTIONS D26150XXX In accordance with the Fair Credit Reporting act Complete Credit Solutions Account # ********* has violated my rights. 15 U.S.C **** section 602 A. States I have the right to privacy. 15 U.S.C **** Section 604 A Section 2: It also states a consumer reporting agency cannot furnish an account without my written instructions.

  

  Business Response

  Date: 12/05/2022

  ********* BBB Complaint # ******** Response 12.5.22
  CCS Account # ****** and ******                *************************
  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 *************************.
  Our records indicate both accounts were originated on November 27, 2020 through *************** **** The original account numbers are ********** and **********. Both contracts were Rental Purchase Agreements offering a cash price payable in 90 days or a lease payment plan. The agreements also include a copy of the delivery receipts signed by ************************* (see attachment A).  I have also attached the Rental Order that was signed by **************************  Included in the Rental Order agreement is the release of information to Bestway clause also signed by ************************* (see attachment B).
  To date, CCS has had no direct communication with ************************* by telephone or mail.  In an attempt to resolve this matter with *************************, I ask that she 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, CCS will report the debt as Paid in Full to all three CBRs.   
  If you require any additional information, please contact ********************* at ******************.   

• Initial Complaint

  Date:11/29/2022

  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.

  I am not liable for this debt with purchasing power and do not have a contract with complete credit solutions. They did not provide me with the original application like i asked

  

  Business Response

  Date: 12/05/2022

  ********* BBB Complaint # ******** Response 12.5.22
  
  Complete Credit Solutions, **** (CCS) purchased a file of charged off consumer debt originated by **************** on August 16, 2022. Included in this purchase was the outstanding and delinquent debt owed by *************************.
  Our records indicate this account was originated on November 20, 2018 through an arrangement between **************** and ************************* employer at that time.The original **************** account number is *********. The amount financed by ************************* was $991.57. The repayment agreement called for 25 payments of $38.14 and 1 final payment of $38.07 (see attachment A).
  To date, CCS has had no direct communication with ************************* by telephone, mail or email regarding her account. CCS did receive an EOSCAR dispute from ************************* that was originated through Equifax (see attachment B).  CCS has reviewed the information provided through the EOSCAR dispute and has verified the information CCS is reporting is accurate. 
  In an effort to show cooperation with your office and attempt to resolve this matter with *************************, we 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 ******************.   

• Initial Complaint

  Date:09/01/2022

  Type:Service or Repair 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 do not know this company nor have they sent me any communication regarding delinquent debt. However they claim this new account originating two months ago is seriously over due and have placed on my credit report.

  

  Business Response

  Date: 09/13/2022

  Ft. Worth BBB Complaint # ******** Response 9.13.22
  Complete Credit Solutions, **** (CCS) purchased a file of charged off consumer debt originated by **************** on June 16, 2022. Included in this purchase was the outstanding and delinquent debt owed by *******************.
  Our records indicate this account was originated on February 23, 2017 through an agreement between **************** and ******************* employer.  The original **************** account number is *********. The agreed upon contract offered a cash price of $934.32 payable in 24 semi-monthly payment (attachment A).  
  On July 13, 2022 ******************* account was placed with our collection agency ************************* (P&B). It is the responsibility of our collection agency to notify each delinquent account holder that CCS has placed with their office.Since the **************** agreement allows for digital communication, P&B emailed the notification to ******************* last known email address ********************************************* email address was confirmed on page five (5) of the agreement.
  On September 10, 2022 CCS received an inbound email from ***************** through our payment portal (see attachment B).  On September 12, 2022 CCS responded to ******************* and provided the contact information for P&B (attachment C).
  In an attempt to resolve this matter with *******************, I ask that he contact me directly at ************* to discuss this complaint in detail. Hopefully we can 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 ******************.