Complaints

This profile includes complaints for Scott & Associates, P.C.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Scott & Associates, P.C.

  1120 Metrocrest Dr Ste 100 Carrollton, TX 75006-5862

  
• 

  Scott & Associates PC

  1744 Sam Rittenberg Blvd STE D Charleston, SC 29407

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:12/13/2024

  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.

  To Whom It May Concern,I am writing to formally lodge a complaint against *******, which has issued me a court summons related to an alleged debt that I believe falls outside the three-year statute of limitations for consumer debt in ***************South Carolina Statute of Limitations:According to South Carolina law, a loan company has three years to sue for a consumer debt based on both written and oral contracts. This means that if there has been no payment or acknowledgment of the debt within three years, the loan company is no longer legally allowed to initiate legal proceedings to collect on the debt.Despite the fact that I have not made any payment or acknowledged this debt within the past three years, Upstart has taken the improper step of issuing a court summons. This action is a clear attempt to circumvent the state's consumer protection laws and an unethical practice meant to intimidate me into paying a debt that may no longer be legally enforceable.This has caused me significant stress, time, and financial burden as I now need to prepare a legal defense against a summons that appears to violate the statute of limitations.I am requesting the following actions from Upstart and the BBB:An investigation into [Upstart]s practices and whether they routinely violate the statute of limitations law in ***************Dismissal of the court summons issued against me regarding this time-barred debt.A written statement from the company confirming they will cease collection efforts for this debt and that no further legal action will be taken.Supporting Information I am prepared to provide documentation proving the date of last payment or acknowledgment of this debt, as well as a copy of the court summons. I respectfully request the BBBs assistance in resolving this matter and holding Upstart accountable for their unethical and unlawful practices.Thank you for your time and attention to this matter. Sincerely,****** *******

  Business Response

  Date: 12/23/2024

  Please see attached response.

  Customer Answer

  Date: 12/23/2024

  I never made a payment on this account ever. Please show proof of payment. I have been out of work since oct 24 from having surgery. If that's the case why are two separate company trying to collect off the same loan. Please provide valid banking information for payment. 

  Customer Answer

  Date: 12/23/2024

  If I paid anything why would it says only paid 1% of the balance.  All because Upstart was sold so I don't know what kind of deal was made when they was bought out but I never made a payment on this account so I need prove of the banking information,  how much was paid, and when? 

  Customer Answer

  Date: 12/26/2024

  I am rejecting this response because:   

  I never made a payment on this account ever. Please show proof of payment. I have been out of work since oct 24 from having surgery. If that's the case why are two separate company trying to collect off the same loan. Please provide valid banking information for payment. 

  Customer Answer

  Date: 12/29/2024

  Since this account was written off I'm requesting a 1099-C as well because I never received one so I can report it to the irs! 

  Business Response

  Date: 01/02/2025

  Please see attached response.

  Customer Answer

  Date: 01/03/2025

  I am rejecting this response because:   Since this account was written off I'm requesting a 1099-C as well because I never received one so I can report it to the irs! 

  Business Response

  Date: 02/14/2025

  The Firm stands by our prior response and believe it has adequately addresses the concerns you have raised. If you have new or different concerns, please contact our offices.

  Customer Answer

  Date: 02/14/2025

  I am rejecting this response because:   It shows on my credit report that it has been 100 pay off and that I have a $0 balance . Why are they trying to collect on something that says this on my credit report that they received a 1099-G that has been giving credit for the account!

  Business Response

  Date: 02/17/2025

  We feel we have adequately addressed the consumer's concerns in our responses provided on December 23, 2024, and1/25/2025. The consumer's states they are rejecting the response based on information in their credit report. Our Firm is not a credit reporting agency and does not report on consumer credit.

  Business Response

  Date: 03/20/2025

  We feel we have adequately addressed the consumer's concerns in our responses provided on December 23, 2024, and1/25/2025. The consumer's states they are rejecting the response based on information in their credit report. Our Firm is not a credit reporting agency and does not report on consumer credit.

• Initial Complaint

  Date:11/25/2024

  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.

  I recieved paperwork from Scott & Associates on October 30th 2024, since then I have been trying to talk to someone about said paperwork. I am only able to reach someone out of the ************* (Paperwork says address in *****) The Paperwork is quite threatening, but I do not feel safe giving any personal info to the one's answering phones. They say they are not located in the ** but need so much info to put me in touch with someone in the **. I have tried every phone number with the same results, located outside the **. The party I was working with on this matter are not the ones I've listed. I'm not sure how this party even has any info at all. I have sent every document the party I was working that they asked for. I've tried all I know how in contacting someone from this office to no avail. I just simply do not feel comfortable giving any info to someone out of **.

  Business Response

  Date: 12/10/2024

  Please see attached response.

  Customer Answer

  Date: 12/10/2024

  I am rejecting this response because: This is the first I've heard about this debt. I have been in touch with ******* and this debt was never mentioned to me by them. ******* knows my situation, they know I have had medical problems after medical problems. They were sent all the documents they asked me for. This was to toward asking for a hardship. They agreed. I have no money, I do have my home and 2 cars both of which are over 2 decades old. We live paycheck to paycheck. Even less with all medical I've had to pay last 2 years. I'm not sure what I could do to show you. In the past 2 years I've had a knee replacement (not elective), Stroke, Spinal Stenosis, Neck fusion, ankle surgery, and the most recent a tumor removed from my left hear. If i decided to not remove it it would have either gone to my brain or paralyzed my face. As I'm still healing from that surgery. I have to find people to drive me 4 hours away for check-**** I also must have the right ear done as well. So I'm just not sure what else to do. I truly am sorry. 

  ****** Hinojosa 

  Business Response

  Date: 12/11/2024

  Please see attached response.

• Initial Complaint

  Date:11/19/2024

  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.

  Scott and Assoc sued and had me garnished for a debt owed to *******************. From 6/18/24 - 9/24/24, eight checks were issued to the courthouse for Scott and Assoc. from my garnishment. Check totals and dates garnished: $364.************ $339.6907-02-2024 $368.1107-16-2024 $332.************ $351.0908-13-2024 $350.7008-27-2024 $347.7309-10-2024 $363.************ I called Scott and Assoc. and spoke with ***** ******* on 10-23-24, she advised that no payments were on file with them as being paid, and asked me to wait till 11-15-24 for the checks that had already been picked up to be deposited and processed. I called back on 11-15-24 and was unable to get through to anyone. I called back again on 11-18-24 and was informed that only a check in the amount of $265.99 had been applied to my account. I asked to be escalated and then spoke with ***** who made several excuses and dodged my question of asking him to verify that the checks had even been picked up from the courthouse by one of their lawyers (up until this point it had been suggested that *** hadn't properly issued them, that the court never handed them over etc.). After a brief hold, he informed me that their lawyer did sign for the eight checks and he asked me to give him 24 hours to review and to call him back. I called the *********************** and confirmed the above checks and amounts were received and signed for by Scott and Assoc. When I called ***** **** today to try and figure out what had happened, he kept telling me that they didn't have them and were at the mercy of the mail. But he couldn't explain the $265.99 being applied to my account. I let him know I would be filing complaints and he advised that I should "Seek legal counsel". I called ADP who confirmed only one check had been cashed for $363.85 on 11/15/24. At this point, a total of $2,818.72 has been paid and lost and I was told I could "Pay the entire balance and they could stop charging me interest."

  Business Response

  Date: 12/03/2024

  Our Firm is currently investigating the concerns expressed by the consumer in their inquiry and requests additional time to respond. A final response will be provided as soon as the investigation is completed.

  Business Response

  Date: 12/06/2024

  Please see attached response.

• Initial Complaint

  Date:11/13/2024

  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 got an email from Scott and associates talking about a potential law suit for an old debt.. this debt was a loan and I could not make minimum at the time.. I called and got an extension but they sold the debt to a collector anyway. This email is talking about garnishing my wages and suing me outside of the window they are allowed to in the state of ***** in violation of my rights.

  Business Response

  Date: 11/27/2024

  Please see attached response.

  Customer Answer

  Date: 11/27/2024

  I am declining this response because the payment options are not currently feasible for me. However, I would be willing to engage in further discussions to explore alternative options.

  Business Response

  Date: 12/06/2024

  Please see attached response.

• Initial Complaint

  Date:11/11/2024

  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 have requested cease and desist numerous times I have told ***** fargo about the money and other business I have breathed in carbon monoxide and gone through h*** without any anyone taking my problems seriously so I will not be bullied and pushed like I'm doing something wrong in the Name and Authority of ***** ****** . What about my money I'm missing over $170,000.00 Thousand dollars No one is taking my concerns to heart or helping me . I'm literally going hungry and I'm not going to keep being tested God has the final say and I have the Victory in ***** name ???? ??

  Business Response

  Date: 11/25/2024

  Please see attached response.

• Initial Complaint

  Date:11/07/2024

  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.

  Company has not sent out any information of debt or what this is about. I am being sued for a debt that is not mine or belongs to me. I want for this to judgement to stop as I do not know what this is about. Being sued for **************- account- 6139. ************************* is the plaintiff. ******* funding never attempted to contact me in regards to this issue. I would have resolved this issue with them since the beginning. I have not been provided when this account was opened. According to the letter it might have been in 2018. As by Texas Law the debt collector cannot validate the debt, they are required to stop collection efforts entirely also report any violations to the Texas Attorney Generals office or file a complaint with the ************************************ (****). If this does continue I will then seek legal action and proceed to File a Motion to Quash or for Protective Order. Statute of Limitations in *****:Also,Four Years: Texas law (Texas Civil Practice and Remedies Code, Section ******) sets a four-year statute of limitations for most types of consumer debt, including:Credit card debt Personal loans Medical debt Auto loans and certain other contractual debts.Once a debt is time-barred, a creditor or debt collector cannot sue you in court to collect the debt.However, they can still attempt to contact you and ask for payment, although they must follow strict guidelines and may not use harassment or deception.

  Business Response

  Date: 11/12/2024

  Please see attached response.

  Customer Answer

  Date: 11/17/2024

  I am rejecting this response because:  I do not have recollection of said agreement nor have signed any form of documentation regarding a past debt. Also by Texas Law as you should know statut of limitations Time-barred debt.

  Section ****** of the Texas Civil Practice and Remedies Code- The statute of limitations on debt in ***** is four years. According to you're statement agreement was signed February 6, 2019 and in April 26, 2019, agreement was broken. Again, I was never served any documents nor have any knowledge of said debt. If I would have entertained this agreement I would have asked for debt validation before any agreement was made on my behalf. *************** never contacted me with any forms or documents proving or providing said debt. I have been a victim of identity theft and had several debt collection agencies contact me and I have resolved said debt attempts by providing police reports. I was never contacted nor given the chance for this to be resolved. Hence the reason I have made a statement again I am not paying a debt that does not belong to me. The reason for me asking validation of debt. I am NOT admitting to debt. 

  You all are the only debt collection agency "attorneys" not willing to provide debt validation detailed as requested. 

  This is the reason I am rejecting this response.

  Thank you and will wait for a rapid response to this request. Or CEASE and DESIST all judgements against me if not validation provided detailed with all proof of payments or credits and or form of identifications provided for attaining said credit. 

  Thank you 

  Business Response

  Date: 11/20/2024

  Please see attached response.

  Customer Answer

  Date: 11/22/2024

  I am rejecting this response because:   I am submitting the *** identity theft report and police report filed. I donwish we can have this resolved, as I have stated I am not the owner nor have I ever agreed to said debt. I have been a victim of identity theft dating back to 2010 and ever since, I have had debt collectors call regarding debt and have had issues resolved quickly. On the other hand I have never heard or have I ever acquired a care credit bank account. I don't know what this care credit is about or what it is used for. I have stated before I am not paying a debt that it does not belong to me. 

  Please reconsider and review attached files. I will wait for a response regarding this issue and a letter hoping this is has been resolved and removed from any collections. 

  Thank you.

• Initial Complaint

  Date:10/31/2024

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was notified by my employer of a wage garnishment order that is set to take place and my security clearance was flagged due to this. Unfortunately, I did not have any knowledge of the lawsuits this firm as set against me for debt collection and wage garnishments. The local court, VA legal Aid and other lawyers advised that I was not properly served. The residence served does not belong to me nor have I resided in for over 14 months. I have attached proof of the new residence I moved to (12/19/2022) as well as the proof of present and past ownership of the property that was served (Sold 2/6/2023). I have been legally advised to reach out to Scott & Associates to request them to voluntarily remove the judgement. The unexpected wage garnishment takes a big financial hit and puts my security clearance at risk of removal. The times I contacted the firm, the same representative its telling me there is nothing they can do. I believe they are not being fair and potentially at fault. If I had the opportunity to know about the debt ever since it was transferred to Scott & Associates, I would be able to settle this prior to any hearing dates that was set. I am now in hardship to pay my current rent and scheduled bills due to the unexpected garnishment order. Sadly, my next step is to file a motion and contact Virginias attorney general consumer protection division.

  Customer Answer

  Date: 11/01/2024

  The original complaint did not let me provide the attachments. Please see the attachments that support my complaint and forward to the Scott & Associates business.  I tried to tell them via phone I had proof, I no longer lived there but the representative said it didnt matter and its my fault for not telling the creditor of my new address. But I had no idea of debt and collections transfers from other companies prior to Scott & Associates serving me at property I do not have relation to. 

  Business Response

  Date: 11/13/2024

  Good afternoon,

  Our Firm is still investigating the consumer's concerns and needs a few more days to prepare a response.

  Business Response

  Date: 11/18/2024

  Please see attached response.

  Customer Answer

  Date: 11/18/2024

  I am rejecting this response because I was not properly notified of any collection, ******* letter, nor had the two lawsuits served directly to me or a relative/kin. I have not owned nor lived at that Chesapeake property since 2/6/2023. There was no way for me to know anything until my employer recently told me that there is a judgement and wage garnishment order. If I had known, I would have settled the debt prior to the court defaulting the lawsuits in ************ favor. This was poorly managed and handled. My security clearance is at risk due to this judgment that I had zero knowledge about. My outlook on renting a home is at risk due to this judgement as well. I have attached two files showing proof of not living at the ********** residence during the dates of service. 

  Customer Answer

  Date: 11/25/2024

  Update- the judgment is dismissed by this company. Thank you 

• Initial Complaint

  Date:10/05/2024

  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.

  Im trying to obtain some information from ************************* and have been advised that Scott and Associates is handling inquiries for this debt. Ive sent multiple requests to this attorneys office in an attempt to verify this debt to no avail. Ive also disputed this debt with the major credit bureaus as a means to get some information to no avail. Im simply trying to validate this debt and get some answers.

  Business Response

  Date: 10/18/2024

  Please see attached response.

• Initial Complaint

  Date:09/26/2024

  Type:Product 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 company has been Harassing me through phone calls multiple times a day five days a week about a credit card debt that they bought from ************ they has also filed a claim in court, I feel my rights have been violated by the Harassment and threatening letters, emails and phone calls

  Business Response

  Date: 10/10/2024

  Please see attached response.

  Customer Answer

  Date: 10/10/2024

  I am rejecting this response because:   that company has called me from all kinds of different numbers , call me day and night the number they called me from doesn't say there name but when I answered that's when they said who their are so I don't have anything with their name on it that said who they are when calling my phone number, that company response is a flat out lie , my gold us that they don't contact me via my cellphone number or emails

  Customer Answer

  Date: 10/10/2024

  These are the emails that was sent to me from **** & associate

  Business Response

  Date: 10/11/2024

  The Firm is unable to verify your claims as alleged and stands by our prior response. Perhaps another creditor is trying to contact you

  Customer Answer

  Date: 10/11/2024

  I am rejecting this response because:   

  These are the emails that was sent to me from **** & associate

• Initial Complaint

  Date:09/23/2024

  Type:Order Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received a notice that was left from our front door stating that I need to scan the barcode in order to access the documents. I tried it and I was sued by this Business for the loan balance I owed from a lending club and it was sold to *********************, I don't have any information in regards to it. No email, haven't received any letter in the mail. I would like the business to send any documents thru my email and send me the signed original loan agreement from the original creditor.

  Business Response

  Date: 10/04/2024

  Please see attached response.

  Customer Answer

  Date: 10/04/2024

  I have reviewed the business response and accept this resolution. I havent received a letter that was sent from the said date September 26, 2024. And i would like to ask for a written settlement offer if possible.