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:03/26/2024

  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.

  This is the second time Scott & Associates has filed a claim against me for the same collection. I have contacted Portfolio Recovery and they informed me they submitted a claim in 2020 and this claim is now closed. They must stop harassing people.

  Business Response

  Date: 04/10/2024

  Please see attached response.

• Initial Complaint

  Date:03/14/2024

  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.

  a charge of $1585.09 was made on 3/11/2024 to my bank account for an alleged account that is non existent. No explanation of when this alleged account was established or for what services.

  Business Response

  Date: 03/19/2024

  The Firm has reviewed its records and is unable to confirm a business relationship with the individual named in the complaint.

• Initial Complaint

  Date:03/07/2024

  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 started off with 3 accounts with this collection agency. Since Scott & Associates purchased my accounts, they have mailed me several settlement offers for each account. There is always an offer mailed in February. They have recently also mailed settlement offers in September as well. The settlement offers are always for the same amount (70% of the balance due). I contacted them in September of 2022 to pay off one of the accounts. At the time, I didn't realize what was going on with the settlement offers. I settled the first account for 80% of the balance due. The difference of 70% and 80% of that account was only about $100, so it wasn't a huge deal. After that payment was made, I received settlement offers like clock work on the other two accounts. When they were mailed, I wasn't financially stable enough to pay them. The last settlement offer I received was Sept 2023. For the past few months, I have been contacting Scott & Associates to settle both accounts in full. I have been told that my settlement offer available to me at this time is around 92% of the balance due. That is a difference of $725 for one account and $606 for the other account. When I demanded to talk to a manager, I was able to get a slightly lower settlement offer, but no where near the settlement amount that had been offered to me several times before. Coincidently, no settlement offer was mailed to me this February, like it had been every single year in the past. I want to settle both of these accounts, but I do not want to be taken advantage of. I feel like I am being played with. Here's your settlement offer. Too late, it's gone. Here it is again. Just kidding. No it's not. I am a real person, working a real job, taking care of a real family, trying to do the right thing. What this company is doing is WRONG. It is not right to toy with someone's livelihood.

  Business Response

  Date: 03/20/2024

  Please see attached response.

• Initial Complaint

  Date:02/26/2024

  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.

  Abusive letter from a debt collector claiming that I owe money to a creditor that I have never heard off.Calling them and giving them the Reference number (*******) in their letter is not sufficient for them to provide me with information. They insist that they need more information from me before they can discuss.I have not received any correspondence from the creditor identified in the letter. The creditor does not impact my PERFECT FICO scores.My guess is that they have sent letters to everyone with my name and are asking us to help them eliminate possible leads.Not my idea of how to do business .

  Business Response

  Date: 03/08/2024

  Please see attached response.

• Initial Complaint

  Date:02/23/2024

  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 agreed to a payment plan involving Portfolio Recovery collection. I have been paying them as agreed. They have is***d 2 summons for judgements against me and I showed up for court both times. The first time, their attorney asked for a continuance after waiting 3-4 hours for my case to be called. The second one, their attorney didnt show up so the judge dismissed their case. Now when I go to the website to make my payment, it says the file number is invalid. Do I continue to try to pay or did they drop it without telling me? Or are they not accepting my payment in an effort to *** me again?

  Business Response

  Date: 03/06/2024

  Please see attached response.

  Customer Answer

  Date: 03/06/2024

  I have reviewed the business response and accept this resolution. 

• Initial Complaint

  Date:02/21/2024

  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.

  Scott & Associates is attempting to collect an alleged debt on behalf of ***************************************************** previously attempted to collect the alleged debt on behalf of **************.Scott & Associates states thats ************** is the original creditor. According to all three of my credit reports, I have never had an open account, closed account, or charged off account reporting entry ever from ************** for the alleged account ending in 0140.The only reason I became aware of the alleged debt was through *************************************************** was wrongfully and negatively reporting the alleged debt through Experian. I informed ************************* that the alleged debt is listed in my maiden name which I have not gone by for 10 years. I sent *************************. copies of my credit report showing every open and closed account Ive ever had. The ************** account in question was NEVER listed. When I filed a complaint and dispute showing the copies of my credit report proving the account was not tied to me, *********** Solutions removed the entire negative reporting history from Experian as if it never happened. I thought this nightmare was over until I received a notice from Scott & Associates stating they are attempting to collect on behalf of *************************. I am not liable for this alleged debt.I would like all attempts for collections to cease immediately in regards to case file #*******

  Business Response

  Date: 03/08/2024

  Please see attached response.

  Customer Answer

  Date: 03/26/2024

  I am not satisfied with the response.
  I confirm receipt of the affidavit instructions and have responded to Scott & Associates providing the affidavit from the FTC.
  
  The statement that CCS updated the dispute is correct, however the claim stating the collection reporting was not deleted is false. CCS was reporting to Experian from September 2022 through November 2023 causing my credit score to decrease significantly.
  
  The FCRA states that any information that is inaccurate, incomplete or unverifiable must be removed or corrected. And that if the information is accurate, complete, and verifiable it may continue to be reported.
  
  When I pulled my credit report in March of this year, I found that CCS was no longer reporting and had completely expunged the account as if it never existed. There was no statement or comment as to why is was no longer being reported and had been completely removed.
  
  As a consumer, I am concerned because Experian told me the only way a collection can be removed is if the reporting information is unverifiable, inaccurate or incomplete. IF the information was accurate, complete and verifiable then the reporting would stay on my report for 7 years until it fell off. This leads me to believe my findings as true that the account in question is unverifiable and inaccurate.
  
  CCS also reported the alleged account opening as March 19, 2022, but Scott & Associates states the alleged account opening as August 28, 2017.
  
  The alleged account in question is listed in my maiden name, which I have not legally gone by in 10 years. That was the first red flag. The second red flag was when I pulled all three of my credit reports there has never been a reporting of the alleged account in question. There is no open date, no closed date, no charge off date, no delinquency date, or no credit limit. All of these are required by law for businesses who regularly furnish CRA information. (I would assume that a big bank who relies on CRAs to determine creditworthiness would report any and all accounts they are lending to and if they dont, one would think thats a big problem.) This leads me to believe the alleged account in question is a result of fraud. Again as a consumer, this concerns me because consumers are told to rely on their credit reports.
  
  I responded to CCS with copies of my credit report as they requested and did not hear any further from them until I was contacted by Scott & Associates.
  
  When Scott & Associates responded to a validation request the alleged amount in question differed from the alleged amount stated by CCS. This differing amount showed a payment/credit applied to the alleged account that I did not authorize nor make on my behalf. There was no amount validation or itemization showing where this payment came from or who authorized it.
  This required itemization information was not provided within 5 business day per FDCPA.
  
  Its incredibly deceptive, frustrating, and confusing that an attorney and their client continue attempting to collect an already disputed debt by sending conflicting information on an alleged debt that I have no record of.
  
  I believe this to be a FDCPA 12 CFR ******* violation: Falsely misrepresenting the amount of the alleged debt. This credit/payment that I did not make or authorize would cause the alleged debt to become renewed. Its illegal for debt collectors to re-age debts. Again as a consumer, this is concerning.
  
  As previously stated, I have responded to Scott & Associates with the requested FTC affidavit.
  
  I hope this matter is resolved quickly and amicably.
  

  
  

  Business Response

  Date: 04/17/2024

  Please see attached response.

• Initial Complaint

  Date:02/20/2024

  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 was garnished in a well known Finance position for a 2017 debt that was fraudulent and filed back in 2017 during my divorce. Now this has caused me to go on Administrative Leave while they determine if something from 2017 that was not me makes me a criminal. I have been treated worse than dirt over this error. I need this billing adjustment done refund sent to the company I worked for and maybe just maybe Ill get an opportunity to prove this is not my debt and Im not who every portrayed me to be over this!

  Business Response

  Date: 03/06/2024

  Please see attached response.

  Customer Answer

  Date: 03/06/2024

  I am currently working on my credit report and filing all the information that never came off.

  I have submitted a follow up with the ******************* and will look for the documents from over 10 years ago my daughter is now 9 and I was pregnant when he did all this to us.

  Customer Answer

  Date: 03/07/2024

  I am rejecting this response because:   

  I am currently working on my credit report and filing all the information that never came off.

  I have submitted a follow up with the ******************* and will look for the documents from over 10 years ago my daughter is now 9 and I was pregnant when he did all this to us.

  Business Response

  Date: 03/20/2024

  The Firm has forwarded the information you provided to our client for investigation. Your file will remain on a hold in our office pending the investigation results. Our client will send you the results of their investigation via separate correspondence.

  Customer Answer

  Date: 03/20/2024

  I am rejecting this response because:   I cannot open the file.

• Initial Complaint

  Date:02/20/2024

  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.

  My personal information was breached between 2018 and 2021 without my knowledge. I had some credit repair done but I couldn't afford to get much done, most of it I cleaned up myself. Someone or person's used my information for multiple things, such as car insurance, bank loans and so on. Most of the fraudulent activity was taken care of, such as credit one. Now this Scott and associates or whoever they are, saying that I owe 1600.00.I didn't keep most of the information I had on the data breach because of personal reasons.This is ridiculous, I have enough going on with my health and I don't need anymore of this issue information mess harassing me.

  Business Response

  Date: 02/28/2024

  Please see attached response.

• Initial Complaint

  Date:02/01/2024

  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.

  Law office trying to *** me to take me to court and trying to get me to pay settlement in or outside of court. Seeing complaints from people online stating the settlement needs to go to court and be paid off entirely.

  Business Response

  Date: 02/16/2024

  Please see attached response

• Initial Complaint

  Date:01/25/2024

  Type:Billing 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 have been going back and fourth with Scotts and Associates and have been paying on time...they keep changing terms and agreements with out contacting me. I initially was working with Credit One...then they were sold to another company that I was working with. However they then turned into ******************************************* They were debiting my money out of my account automatically and were receiving payments on time. Even then I contacted them to see if we could settle...I was told I would get a call back. I even attempted to reach out and speak with a manager and never got a call back. So imagine my surprise when I get a letter in my mailbox. This company has been harassing me for years and I am pretty sure they are violating laws and attempting to *** people for debts that they may not owe. This company even had someone banging and knocking on my door late at night. I live alone...I could have been put out of my apartment complex because of them. They are taking advantage of people and using illegal practices to take advantage of people. Now they are saying I owe way more money than I should.

  Business Response

  Date: 02/08/2024

  The Firm is requesting extended time to complete our investigations into the consumer's concerns. We expect our response to be ready before February 22, ****.

  Business Response

  Date: 02/08/2024

  The Firm is requesting extended time to complete our investigations into the consumer's concerns. We expect our response to be ready before February 22, 2024.

  Customer Answer

  Date: 02/08/2024

  I have reviewed the business response and accept this resolution.