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:11/13/2024
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 Bestway rentals, I do not have a contract with Complete Credit Solutions. They did not provide me with the original contact as I requested.
Business Response
Date: 12/08/2024
**. Worth BBB Complaint # ******** Response 12.8.24
CCS Account # ****** Debonta ********
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 Debonta ********.
Our records indicate this account originated on October 1, 2020, through an agreement between ******************* and Debonta ********. The original account number is ********* (attachment A). The last payment in the amount of $57.94 was received on April 30, 2021. Due to nonpayment the account was charged off on June 30, 2021, and the amount charged off was $1,484.39.
To date, CCS has had no direct communication with Debonta ******** by telephone, mail or email. In an attempt to resolve this matter with Debonta ********, 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, *** will report the debt as Paid in Full to all three CBRs.
If you require any additional information, please contact *** ******* at ******************.Initial Complaint
Date:11/04/2024
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 did not make a purchase or have a contract with this company where I stated or signed documentation saying I am responsible for this debt. I do not owe them any money. They were unable to provide me with the original contract and could not verify where the debt originated from.Business Response
Date: 11/14/2024
**. Worth BBB Complaint # ***********BF Response 11.14.243
Complete Credit Solutions, **** (CCS) purchased a file of charged off consumer debt originated by *********** on July 13, 2021. Included in this purchase was the outstanding and delinquent debt owed by Jmia *** ****.
Our records indicate this account originated on March 14, 2020, between ****** Furniture and Jmia *** ****. The original *********** account number is *********** agreed upon Lease Purchase contract offered a cash price of $2,986.88 during the first 90-days or a 24-month lease payment plan totaling $9,139.92 (attachment A). Our records also indicate the last lease payment amount was $421.92 on October 6, 2020. Due to nonpayment Okinus charged of the account on January *******, and the charge off amount was $7,469.12.
To date, CCS has had no direct communication with Jmia *** **** by telephone, fax or email. CCS has received multiple Experian and Equifax EOSCAR **** originated b Jmia *** ****. As required by the **** a complete investigation was conducted and all sensitive and account information provide through the **** was verified. The **** response was submitted to EOSCAR on that same date the **** code was updated to XB.
In an effort to show cooperation with your office and attempt to resolve this matter with Jmia *** ****, 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:10/25/2024
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 withPURCHASING POWER, I do not have a contract withCOMPLETE CREDIT SOLUTIONS, they did not provide me with the original contract as i requested.Following my account details ********************** (Original Creditor: PURCHASING POWER)17-02-2023D27812XXXBusiness Response
Date: 11/14/2024
BBB Complaint # ***********C1 Response 11.14.24
Complete Credit Solutions, **** (CCS) purchased a file of charged off consumer debt originated by **************** on February 17, 2023. Included in this purchase was the outstanding and delinquent debt owed by **** ******.
Our records indicate this account originated on January 23, 2018, through an arrangement between **************** and **** ****** employer at that time. The original **************** account number is *********. Between January 18 and October 31, 2018, **** ****** originated five (5) separate loan agreements (see Attachment A, B, C, D, E). The account was paid on for ten months. The last payment in the amount of $109.91 was withdrawn from his paycheck November ******. The account was charged off by **************** on November 25, 2019. The amount charged off was $3,500.91
To date, CCS has had no direct communication with **** ****** by telephone, fax or email. On November 7, 2024,*** received an Experian, Equifax and TransUnion EOSCAR **** originated by **** ******. As required by the **** a complete investigation was conducted and all sensitive and account information provide through the **** was verified. The **** response was submitted to EOSCAR on that same date the **** code was updated to XB.
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, *** will report the debt as Paid in Full to all three CBRs.
If you require any additional information, please contact *** ******* at ******************.Initial Complaint
Date:10/21/2024
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 writing to file a formal complaint against Credit ********************** for an unauthorized account that appears under my name. This account was first reported on my credit file without my consent or knowledge, as detailed below:--COMPLETE CREDIT SOLUTI_D23808XXX Opened: Jun 19, 2020 Original Balance: $1,4668--------Despite multiple attempts to resolve this issue directly with Credit ********************** and through disputes filed with the credit reporting agencies, the account continues to negatively impact my credit score and financial well-being. I have neither entered into any agreement with Credit ********************** not authorized any third party to do so on my behalf. I request the BBB's assistance in mediating this matter to ensure the immediate removal of this unauthorized account from my ********************** records. This action is necessary to correct my credit history and prevent further harm to my financial reputation. Thank you for addressing this significant issue. I look forward to your prompt response and a resolution to this dispute.Business Response
Date: 10/23/2024
This is a duplicate complaint that was originally filed with your office in February 2024. The complaint was closed by your office in May 2024 due to ******** ********** failure to respond to our response. All information to support the outstanding and delinquent debt owed by ******** ********** was provided in our response in February 2024.
I find it interesting that ******** ********** has elevated her deceitful and unethical tactics to the next level by fraudulently creating a letter from Complete Credit Solutions, *** for personal or financial gain. This fraudulent action is punishable by Federal law and if convicted of violating 18 U.S.C. 1002, you will face the following penalties as guided by the federal sentencing guidelines:
A fine of up to $10,000, up to five years of imprisonment, or both.
Restitution to pay back any funds obtained through fraudulent activities.,I can assure you Complete Credit Solutions, ***. will utilize this information provided to your agency by ******** ********** to explore all legal options available.
If you have any questions or require additional information,please contact *** ******* at ************.Initial Complaint
Date:10/21/2024
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 GOLD VALLEY, I do not have a contract with COMPLETE CREDIT SOLUT, they did not provide me with the original contract as i requested.Business Response
Date: 10/23/2024
This is a duplicate complaint that was originally filed with your office in June 2024 (see attached). The complaint was closed by your office in July 2024 due to ********* ****** failure to respond to our response. All information to support the outstanding and delinquent debt owed by ********* ****** was provided in our response in July 2024.
If you have any questions or require additional information, please contact *** ******* at ************.
Initial Complaint
Date:10/10/2024
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 creditninja. I do not have a contract with complete credit soultions. They did not provide me with the original contract as i requested.Business Response
Date: 10/14/2024
Ft.Worth BBB Complaint ******** Response 10.14.24
Complete Credit Solutions, **** (CCS) purchased a file of charged off consumer debt originated by CreditNinja on April 21, 2022.Included in this purchase was the outstanding and delinquent debt owed by ****** ******.
Our records indicate this account originated on April *******, through an arrangement between CreditNinja and *************************. The original CreditNinja account number is ******. The total amount financed by ****** ****** was $1,255.99 (Attachment A,B,C ). Due to nonpayment the account was charged off by CreditNinja on June 23, 2020. The amount charged off was $1,221.47.
To verify this, I have attached the relevant proof (Attachment A) for your review, which all information can be found on the contract agreements provided, as well as information regarding CreditNinja contacts and the sale of your debt can be located on pages in this contract agreement (Attachment A). Please review the attachments, and if you have any further questions or require assistance, feel free to reach out to me directly at *****************.
To date CCS has had no direct communication with ****** ****** by telephone, mail, or email. I trust this response satisfies ****** ****** 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, *** will report the debt as Paid in Full to all three CBRs.
If you require any additional information, please contact **** *** at ******************.Initial Complaint
Date:10/10/2024
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 ********************, 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: 10/14/2024
Ft.Worth BBB Complaint ******** Response 10.14.24
Complete Credit Solutions, **** (CCS) purchased a file of charged off consumer debt originated by ******** and Lease on February *******. Included in this purchase was the outstanding and delinquent debt owed by ***** **** (*****).
Our records indicate this account originated on December 08, 2017, through an arrangement between SmartPay and Lease and ***** **** (*****). The original Smartpay and Lease account number is ************* total amount financed by ***** **** (*****) was $536.15 (Attachment A). Due to nonpayment the account was charged off by SmartPay and Lease on March 09, 2018. The amount charged off was $493.96.
To date CCS has had no direct communication with ***** **** (*****) by telephone, mail, or email. I trust this response satisfies ***** **** (*****) 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, *** will report the debt as Paid in Full to all three CBRs.
If you require any additional information, please contact **** *** at ******************.Initial Complaint
Date:10/07/2024
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 DEFENDERS. 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: 10/08/2024
Ft.Worth BBB Complaint ******** Response 10/08/2024
Complete Credit Solutions, **** (CCS) purchased a file of charged off consumer debt originated by ************** on August 14, 2020. Included in this purchase was the outstanding and delinquent debt owed by ****** ***** .
Our records indicate this account was originated on March 27, 2018 through an arrangement between ************** dba Protect Your Home and ****** *****. The original Defenders account number is *******. The contractual agreement was $52.99 per month for 36 months and a total agreed upon amount of $1,907.64 (Attachment A).
Our records indicate that the information on file for ****** ***** was used to contact our office and set up a settlement arrangement on July 3, 2023, on the account in question.Please see the attached document for further details. (Attachment B)
Additionally,the same information linked to the contract agreement was used to establish a previous settlement agreement with our office. This is her second attempt at a settlement, as she made a payment on March 16, 2021, in the amount of $50.00.
The terms of the agreement, including the sale and details of the arrangement, can be found on pages one through eight of the attachment. (in Attachment A)
As of this date, CCS has had no communication with ****** ***** by telephone, email,or mail. In an effort to show cooperation with your office and attempt to resolve this matter with ****** ***** , we request that ****** ***** contact our office to establish a mutual agreement that will be beneficial to both parties. Provided an agreement can be reached, *** will report the debt as paid in full to all the credit reporting bureaus.
I trust that this response will satisfy ****** ***** complaint with your office if you require any additional information, please contact **** *** at ******************.Initial Complaint
Date:10/03/2024
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: 10/03/2024
Ft. Worth BBB Complaint 22372680 Response 10/03/2024
Complete Credit Solutions, Inc. (CCS) purchased a file of charged off consumer debt originated by Defenders Inc. on August 14, 2020. Included in this purchase was the outstanding and delinquent debt owed by Malik Scott.
Our records indicate this account was originated on March 03, 2018 through an arrangement between Defenders Inc. dba Protect Your Home and Malik Scott. The original Defenders account number is 7234834. The contractual agreement was $52.99 per month for 36 months and a total agreed upon amount of $1,907.64 (Attachment A), leaving a balance owed of $1,473.31.
On August 28, 2024 CCS responded to the EOSCAR ACDV that was originated through Transunion. CCS confirmed complete ID and verify all account Information provided through the disputes and submitted a response to EOSCAR. (Attachment B).
As of this date, CCS has had no communication with Malik Scott by telephone, email, or mail. In an effort to show cooperation with your office and attempt to resolve this matter with Malik Scott, we request that Malik Scott contact our office to establish a mutual agreement that will be beneficial to both parties. Provided an agreement can be reached, CCS will report the debt as “paid in full” to all the credit reporting bureaus.
I trust that this response will satisfy Malik Scott complaint with your office if you require any additional information, please contact Taja Lee at 800-609-1144 X 100.Initial Complaint
Date:09/27/2024
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 COMPLETE CREDIT SOLUTI, they did not provide me with the original contract as i requested.Business Response
Date: 10/01/2024
Ft.
Worth BBB Complaint 22347284 Response 10/01/24
Complete
credits solutions, Inc. (CCS) purchased the file of charged off, consumer debt
originated by purchasing power on June 16, 2022, including in this purchase,
the outstanding and delinquent debt owed by Luquonda Waters.
Our
records, indicate this account originated on January 09, 2018, through an
agreement between purchasing power and Luquonda Waters employer at the time the
original purchasing power account number is 206250294
through this agreement, originated one loan (attachment A).
Luquonda
Waters didn’t complete the terms of the agreement with purchasing power,
leaving a remaining balance of $457.04.
Additionally,
our records indicate that the original balance for the contract in question was
$1,585.16. which more than haft the balance was paid through, is associated
with the information you provided to us, all registered to Luquonda Waters. To
verify this, I have attached the relevant proof in (Attachment A) for your review,
which all information can be found on the contract agreements provided, as well
as information regarding purchasing power contacts and the sale of your debt
can be located on pages 6-11. Please review the attachments, and if you have
any further questions or require assistance, feel free to reach out to me
directly at 800-609-1144 X100.
As of this
date, CCS has had no communication with Luquonda Waters by telephone, email, or
mail. In an effort to show cooperation with your office and attempt to resolve
this matter with Luquonda Waters, we request that Luquonda Waters contact our
office to establish a mutual agreement that will be beneficial to both parties.
Provided an agreement can be reached, CCS will report the debt as “paid in
full” to all the credit reporting bureaus.
I trust
that this response will satisfy Luquonda Waters complaint with your office if
you require any additional information, please contact Taja Lee at 800-609-1144
X 100.
BBB Business Profiles may not be reproduced for sales or promotional purposes.
BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.
When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.
BBB Business Profiles generally cover a three-year reporting period, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.
As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.