Complaints
Customer Complaints Summary
- 97 total complaints in the last 3 years.
- 36 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe 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:01/06/2025
Type: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 DIAMONDS AND GOLD *****, I do not have a contract with COMPLETE CREDIT SOLUTIONS, they did not provide me with the original contract as i requested.==============================================Account Number: *********Opened Date: 7/13/2021 Balance: $1,098.00
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 Diamand and Gold/************ on July 13, 2021. Included in this purchase was the outstanding and delinquent debt owed by **** ******.
Our records indicate this account originated on July 24, 2020, through a lease purchase arrangement between ************ and **** ******. The original *********** account number is *******. The amount financed by **** ****** was $1,363.48 (attachment A). The last payment date is November 18, 2020, and the last payment amount was $138.35. Due to nonpayment the account was charged off by *********** on February 28, 2021, and the amount charged off was $1,098.47.
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:01/03/2025
Type: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 COMPLETE CREDIT SOLUTION. I do not have a contract with COMPLETE CREDIT SOLUTION. They did not provide me with the original contract as I requested.Business Response
Date: 01/13/2025
BBB Complaint # ******** Response 1.14.25
Complete Credit Solutions, **** (CCS) purchased a file of charged off consumer debt originated by **************** on July 15, 2022. Included in this purchase was the outstanding and delinquent debt owed by ******* ******.
Our records indicate this account originated on October 17, 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 August 16, 2019, and the last payment amount was $.29. Due to nonpayment **************** charged off the account on March 25, 2020, and the amount charged off was $246.35.
To date, CCS has had no direct communication with ******* ****** by telephone, mail or email. CCS has received an EOSCAR ACDV originated by ******* ****** on January 9, 2025 through *********** required by the **** a complete investigation was conducted, and information has been verified. A response was submitted to ****** within the time allotted by the ****.
In an effort to show cooperation with your office and attempt to resolve this matter with ******* ******, *** 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:01/02/2025
Type: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, I do not have a contract with COMPLETE CREDIT SOLUTIONS, they did not provide me with the original contract as I requested.Business Response
Date: 01/13/2025
BBB Complaint # ******** Response 1.14.25
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 originated on December 4, 2017, 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 September 4, 2018,and the last payment amount was $43.51. Due to nonpayment **************** charged off the account on May 24, 2019, and the amount charged off was $246.35.
To date, CCS has had no direct communication with ***** ****** by telephone, mail or email. CCS has received multiple EOSCAR ACDV originated by ***** ****** through all three CRAs. 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 ****.
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.Initial Complaint
Date:12/30/2024
Type: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: 01/13/2025
BBB Complaint # ******** Response 1.14.25
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 originated on December 15, 2016, through an arrangement between **************** and ******* **** employer at that time.The original **************** account number is *********. Through this agreement ******************************** 5 separate loans. Due to limit space with the attachment only 3 of the 5 loans are attached (attachment A, B, C). The last payment date was March 15, 2018, and the last payment amount was $906.60. Due to nonpayment **************** charged off the account on March 28, 2019, and the amount charged off was $1,036.23.
To date, CCS has had no direct communication with ******* **** by telephone, mail or email. CCS received an EOSCAR ACDV originated by ******* **** through Experian on January 8, 2025. 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 ****.
In an effort to show cooperation with your office and attempt to resolve this matter with ******* ****, *** 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 75% 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 extent this offer past the expiration date.
If you require any additional information, please contact *** ******* at ******************.Initial Complaint
Date:12/29/2024
Type: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 Complete Credit Solutions. I do not have a contract with Complete Credit Solutions. They did not provide me with the original contract as I requested.Business Response
Date: 01/13/2025
BBB Complaint # ******** Response 1.14.25
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 October 3, 2017, through an arrangement between **************** and ****** ***** employer at that time.The original **************** account number is *********. Through this agreement Briana ***** financed 2 separate loans (attachment A & B). The last payment date was March 7, 2018, and the last payment amount was $68.60. Due to nonpayment **************** charged off the account on November 28, 2018, and the amount charged off was $1,054.20.
To date, CCS has had no direct communication with ****** ***** by telephone, mail or email. CCS received an EOSCAR ACDV originated by ****** ***** through Experian on January 7, 2025. 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 ****.
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 75% 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 in not obligated to extent this offer past the expiration date.
If you require any additional information, please contact *** ******* at ******************.Initial Complaint
Date:12/16/2024
Type: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. I do not have a contract with this collection agency. They did not provide me with the original contract as I requested.Business Response
Date: 12/21/2024
BBB Complaint # ******** Response 12.21.24
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 originated on July 18, 2018, through an arrangement between **************** and ******* ********* employer at that time. The original **************** account number is *********. The amount financed by ******* ********* was $1,953.75. (attachment A). Our records indicate the last payment received in the amount of $336.43 on March 2, 2020,was returned as non-sufficient funds. Due to nonpayment the account was charged off by **************** on June 26, 2019, and the amount charged off was $1,099.30.
To date, CCS has had no direct communication with ******* ********* by telephone, mail or email. CCS has received multiple EOSCAR ACDV originated by ******* ********* through Experian,*******, and ***********. 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 ****.
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 (attachment B). 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:12/16/2024
Type: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 am not liable for this debt with COMPLETE CREDIT SOLUTIONS. I do not have a contract with CREDITNINJA, they did not provide me with the original contract as I requested.Business Response
Date: 12/21/2024
**. Worth BBB Complaint # ********Response Date 12.21.24
Complete Credit Solutions, **** (CCS) purchased a file of charged off consumer debt originated by ***************** (CreditNija) on April 21, 2022. Included in this purchase was the outstanding and delinquent debt owed by ***** *********.
Our records indicate this loan originated on February 7, 2020, through an arrangement between CreditNinja and ***** *********. The original CreditNija account number is ******. The original loan amount was $1,000.00. Through this arrangement ***** ********* agreed to repay the lender $2,511.45. The agreed upon repayment plan was twelve (12) monthly payments of $209.29 (Attachment A).The last payment amount was $209.29 on February 21, 2020.Due to non-payment,the loan was charged off on May 5, 2020. and the amount charged off was $2366.16.
CCS received an EOSCAR ACDV from ***** ********* originated through ******** on December 3, 2024. 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 ****.
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 (attachment B).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:12/11/2024
Type: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 COLLECTION, i do not have a contract with COMPLETE CREDIT SOLUTION, they did not provide me with the original contract as I requested it.Business Response
Date: 12/21/2024
BBB Complaint # ******** Response 12.21.24
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 February 2, 2018, through an arrangement between **************** and ******* **** employer at that time. The original **************** account number is *********. The amount financed by ******* **** was $1,891.90 (attachment A). After the initial payment the was charged off by **************** due to nonpayment on February 27, 2019, and the amount charged off was $1,837.10.
To date, CCS has had no direct communication with ******* **** by telephone, mail or email. CCS received an EOSCAR ACDV originated by ******* **** through Experian on October 27, 2022. 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 ****
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 (attachment B). 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:12/10/2024
Type: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 BARGAIN FURNITURE WAREHOUSE 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: $1255Business Response
Date: 12/21/2024
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:11/18/2024
Type: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 The Debt With Defenders. I Do Not Have A Contract With COMPLETE CREDIT SOLUTIONS. They Have Not Provided Me With The Original Contract As Requested.Business Response
Date: 12/10/2024
**. Worth BBB Complaint # ******** Response 12.10.24
Complete Credit Solutions, **** (CCS) purchased a file of charged off consumer debt originated by ************** on August 2, 2021. Included in this purchase was the outstanding debt owed by ****** *******.
Our records indicate this account originated on May 18, 2018, through an arrangement between ************** dba Protect Your Home and ****** *******. The original Defenders account number is *******. The contractual agreement was $27.99 per month for 36 months and a total agreed upon amount of $1,007.64 (attachment A). Due to nonpayment, the account was charged off by Defenders on February ******. The amount charged off was $565.01.
As of this date, CCS has had no direct communication with ****** ******* by telephone, mail, or email. I trust the attached information will verify the Defenders account was originated by ****** ******* and is not a fraudulent account.
In an effort to show cooperation with your office and attempt to resolve this matter with ****** *******, we would like him to contact our office and 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 ******************.
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