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:06/22/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I know when a debt is purchased from another debt collector the name of the game is to collect the full amount by any means to get the money back that they paid for that debt but of course there is a thing called settlement options or so I thought.I have 2 collections with Scott & Associates that have gone to judgment status one went through full judgment and was garnished from my paycheck and as of June 16th that one will be finalized. But there is a second one that has a balance of $2,400 and there is a judgment on this one as well and Im attempting to jump in front of it before that one hits the garnishment phase. But when I call theyre telling me that because it is in judgment status that the rules for Scott & Associates is to not go for a settlement under 80% of whats owed. I have attempted to dispute this account through every alley but of course as a consumer my voice isnt being heard. The account was from 2**5 and I have no recollection of this card and I am trying to settle this but they are not willing to allow me any wiggle room. Ive gotten the advice of an attorney that said it can be settled for less than 80%, but when I call and talk to supervisors at Scott & Associates theyre saying no. I have someone right now thats willing and ready to help me pay this off Im just looking for some truth and help. I am a hard worker that trys to get by the best way I can and know how to. ******* told me I was served papers on 9.11.2022 by a ******, that was a lie because I had surgery on 9.7.2022 I didnt answer my door for anyone an I am never at home because I work crazy hours and Im always busy. Life took a toll on me during Covid because I had to change positions and took a serious pay decrease but Im looking for help. If someone looks at the call history I have always called Scott & Associates and asked about payment options and help.Account Balance: $2,400.54 Company: Scott & Associates File# ******* Case # **-SM-***********

  Business Response

  Date: 07/03/2023

  Please see attached response.

• Initial Complaint

  Date:06/14/2023

  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 contacted by a representative offering a settlement via phone and mail. I was not in a financial position to make the payment at the time. I informed him that once I had the agreed upon amount($1802.07) I would give him a call and make the payment. I was then informed that I would receive a letter stating the amount agreed upon and to sign and return. I never received that letter. I later received another offer for $1796.07, I called into the office and told them I was still not working and that I will make the payment as soon as I can. I was never told that the offer was only for a certain time window. I called to make the agreed payment and was told I had to pay $3000, then it was $2200.00 + I then go over the previous conversation I had with the representative and requested to speak with a manager and was denied being able to speak to one. I was told they wouldnt be able to get to me on today and Ill receive a call at a later time, which was my second time being told that within the last two weeks.

  Business Response

  Date: 06/27/2023

  Please see attached response.

• Initial Complaint

  Date:05/16/2023

  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.

  Hello I heard from this company years ago they had filed a lawsuit on me and I did respond by filing an answer well this is way past the Statue of Limitation here in ***** this is no longer on my credit report and this was due to fraud ! I am not surprised to get stuff in the mail from them about this ! Im not worried about it I dont work and I dont own anything ! I could file a lawsuit on them for breaking the rules! If the Judge seen what paperwork they sent me in the mail he would not understand it either! Tell them do not contact me anymore all further correspondence goes in the trash can Thank You ***********************

  Business Response

  Date: 05/31/2023

  Please see attached response letter.

  Customer Answer

  Date: 05/31/2023

  Hello 

  This item is past the Statute of Limitations in the ************** its only good for four years is what I said!! 

  No response required!

   

  Customer Answer

  Date: 06/01/2023

  I am rejecting this response because:   

  Hello 
  
  This item is past the Statute of Limitations in the ************** its only good for four years is what I said!! 
  
  No response required!

  Business Response

  Date: 06/02/2023

  The lawsuit was filed timely. The account was charged off as an unpaid delinquent debt on June 30, 2014. The lawsuit was filed on February 1, 2018. Please see our prior response for additional account information, if needed.

  Customer Answer

  Date: 06/02/2023

  I am rejecting this response because:   
  I dont want no more correspondence from them Scott and Associates !Thank You !!

   

   

   

  Business Response

  Date: 08/09/2023

  Per you request, your file will remain on a cease communication. We will not communicate with you except for limited circumstances as applicable per federal and state law. Please be aware that a cease communication does not apply to the legal process.

• Initial Complaint

  Date:05/10/2023

  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 Associates P.C., basically a high power LAWYER collection agency, purchased a DEBT from Fingerhut Advantage, and that debt had my information on it, (which I had NO IDEA) this debt was from 2017, when I lived in a house renting a basement and lived with three other people. They had MY address in ******** where I live and where my license is BUT chose to use a ******** address which I have NO IDEA about. They used VA because its easier and they KNEW I did not live there. The filed a garnishment and when it went into effect is when I found out about ALL of it. CASE # GV21001121-00. I filed with the *** and informed all the credit bureaus of the situation, I also sent a DEBT validation letter to SCOTT and ASSOCIATES, which their reply was NOW we know we have the right person? HUH? you already executed the garnishment and I was not in court because I had no idea I DONT LIVE IN ********, so these LOW life lawyers purchase a debt for little of nothing and stop at nothing to burn people. I never had or purchased from Fingerhut.........I will be looking for a lawyer.

  Business Response

  Date: 05/19/2023

  Please see attached response letter

• Initial Complaint

  Date:05/10/2023

  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 received a garnishment from this law firm back in February 2023 in request of payment for a midland account. I have paid this balance in full in March and Midland has stated they still have not received payment for this and it is now May. There is no reason Midland did not receive their funds over a month. This is ridiculous, and my credit report is reflected not paid which is false. This law firm is not professional or doing their job in giving the funds to the appropriate company.

  Business Response

  Date: 05/22/2023

  Please see attached response letter.

• Initial Complaint

  Date:05/04/2023

  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.

  **** with Last 4 of Social being 1643.I had great credit but unfortunately lost my husband in 2017. I got behind on bills but worked to get back on track then later lost my job of 8yrs in 2019 due to ownership change. I had just bought a house and was forced to file bankruptcy. I got another job but then covid hit so I lost that job causing my bankruptcy to be dismissed. Credit cards were charged off and I received notice of a hearing to place judgement. I didnt want to refile bankruptcy, Im trying to arrange and resolve. I made arrangements with ****** to pay $50/month, they cancelled hearing and did not file judgement for the credit card chargeoff. I made payments but got behind due to my bank acct being hacked and waited for a replacement card. As I received bill notices, I set them up to have checks auto mailed from my bank but this one was missed. I received no phone call, no mailed letters.. nothing. They went through my history and found a bank acct I had previously used for a payment and deducted $1500. I am now bouncing house payment, electric etc.. if they had called, I would've immediately resolved it. It was an oversight. My main issue is that payments made from that acct were for a one-time payment. They are not allowed to go back and reuse payment info without my permission. I called to ask them to reverse the lump sum, I will agree to catch up the payments and set-up auto-pay. I have kids and this $1500 has put us in a huge bind. My daughter is pregnant and Im unable to pay my standard living expenses now. I requested copies of anything that *** have been sent allowing deduction from my account but no response. I checked and there is no judgement or garnishment granted. I was never sent notice! I need a refund of the money then we can resolve accordingly and legally.

  Business Response

  Date: 05/16/2023

  Please see attached response letter

• Initial Complaint

  Date:04/19/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My identity was stolen by my late wife and I didnt know it until after I was sued by Scott & Associates. For a debt that was originally FingerHut. *** disputed this claim for 2 years gathering different police reports and filing a Identity theft package. And, I have still been forced to pay for something I had nothing to do with and no knowledge of. Scott and Associates and their attorney named ***** railroaded me and never looked at my evidence even though I sent them everything they asked for. I dont understand how a company can get away with such illegal practices. FingerHut wouldnt list the account as fraudulent because FingerHut wasnt specifically listed on the report. I have read multiple complaints where other people were railroaded because of this company. Im having to pay money monthly because Im tired of dealing with them and want to move on with my life. There is proof that my late wife stole other relatives identities and Scott and Associates knew this info and turned around and stated I was lying about everything. I want my life and money back. Finally, I dont have a middle name anywhere on any of my documents and a middle name was added and they have a copy of my drivers license but, still chose to say the debt was mine. The signatures dont even match mine and they know it and refuse to clear this account out of my name.

  Business Response

  Date: 05/01/2023

  Please see attached response letter.

• Initial Complaint

  Date:03/29/2023

  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 contacted by this firm in March of 2023 on an account from 2021 that had been sold to them. Mind you, the only reason the account was never paid was because I almost died in 2021but anyway. I had never actually received anything from this firm until I was served court papers via processor on a Sunday. I called the next day and the office hours say 8am-6pm but they still do not answer the phone. I finally got through to a representative and she was so sweet. However, it was never considered to lower the amount owed so I agreed to make payments. I paid almost half up front and agreed to have the rest directly drawn out on the following pay date. I had tried calling them 9 TIMES from 8am-8:30am to let them know that the payment would not be able to process on the date we agreed, as I was unaware that the funds would be insufficient until the 24th, due to changes at my place of employment. ANSWER THE ****** Or change your business hours. People are trying to work with you to avoid random court dates, and you have no way of communicating. I also saw a few reviews down that you dont answer the phone and blamed it on staff holiday parties. Not at 8am you dont. Lets just get this resolved so I can rid you from my life for good.

  Business Response

  Date: 04/17/2023

  Please see attached response letter.

• Initial Complaint

  Date:10/17/2022

  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.

  File XXXXXXX case: dcXXXXXXa
  I have contacted this company several times regarding the default hearing date that I received as I have been on a payment arrangement since August and have requested to speak to someone in the legal department and my request have been denied. I contacted the courts this morning after being informed that a continuance was requested on 10/06/2022 after my initial complaint regarding this letter the agent confirmed that the payment arrangement was to prevent a judgement hearing which is what I was informed at the time of setting up the arrangement both can be confirmed on the companies recorded calls. I reached out to the courts this morning and they have no record of a pending continuance case. at this point if I am required to take off of work on 10/26/2022 I am demanding that my time off work be compensated as well as the file be dismissed because I have done my part however this company has not.

  Business Response

  Date: 01/12/2023

  Business Response /* (1000, 5, 2022/10/27) */
  Please see attached response.
  
  
  Consumer Response /* (3000, 7, 2022/10/28) */
  (The consumer indicated he/she DID NOT accept the response from the business.)
  There is no acknowledgement from this company that they failed to send the necessary paperwork once the signed agreement was received. That is what caused the issue!
  
  
  Business Response /* (4000, 9, 2022/11/04) */
  Please see attached response.
  
  
  Consumer Response /* (2000, 11, 2022/11/07) */
  (The consumer indicated he/she ACCEPTED the response from the business.)
  My last payment will be made on Friday and I hopefully will never have to have any interaction with your company after that point.

• Initial Complaint

  Date:10/10/2022

  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.

  I had a judgment against me in the early part of the year. I've sent my payment to them 3 different times which the funds were there. Each time they said my payment was returned with both of my checking accounts. The funds were there each time. I was never notified about anything saying a garnishment was about to taken out on my checking account. They charged my account twice for the one payment as well and now my account is overdrawn thousands on both savings and checking. I do not believe I am at fault here when they could have been had their payment when I told them to take their payment. This collection was even removed from my credit report back in April of 2022, so this is really annoying. I am preparing for my unborn child and I am at a halt because they decided to take their payment out of my checking account and savings. I have bills and car payments that need to be paid
  

  Business Response

  Date: 12/29/2022

  Business Response /* (1000, 5, 2022/10/19) */
  Please see attached response letter