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Complaint Details

Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.

Initial Complaint
07/06/2023
Complaint Type:
Order Issues
Status:
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.
am not liable for this debt with charter communications, I do not have a contract with CREDITORS *************************** they did not provide me with the original contract as i requested.
Business response
07/07/2023
The account has been closed and scheduled for deletion from the credit bureau.
Initial Complaint
05/04/2023
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
Account Number # *********Debt buyer are not a creditor therefore on my report where it shows collection agency as creditor it's inaccurate reporting and violation under FDCPA definitions of creditor. This is inaccurate and needs to be deleted immediately as its a violation. Please view the below definitions,12 CFR Part **** - Fair Debt Collection Practices Act (Regulation G) ****.2(g) Definitions.(g) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another.This is a formal complaint that you are reporting inaccurate and incomplete credit information.Per Wenger ** *********** Corp., No. 95-6445 (C.D.Cal. No** 14,1995), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100%accurate credit information. Under 15 U.S. Code ****g. Validation of debts I request that this Non-Creditor validate this debt by providing proof of this alleged item, specifically the original application, original contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law. Please research and delete the inaccuracies ASAP. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. In addition, while the collector attempted to collect a debt that is not mine, they broke 15 U.S. Code ****k - civil liability.
Business response
05/04/2023
CDA is not a debt buyer. Therefore much of this complaint is invalid. However, due to the age and nature of this debt, we will schedule it to be deleted from the credit bureaus. Thank you.
Customer response
05/04/2023

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

*********************
Initial Complaint
02/27/2023
Complaint Type:
Service or Repair Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
In accordance with the Fair Credit Reporting Act Convergent Account # *********, has violated my rights. 15 U.S.C **** section 602A. States I have the right to privacy. 15 U.S.C **** section 604 A. Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions.I want everything taken down from my credit report. The law clearly states that I have the right to privacy, and I never gave my permission, or any instructions to furnish results on my credit report Thank you
Business response
02/27/2023
Request for deletion from the ************* has been submitted.
Customer response
02/28/2023

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

***************************
Initial Complaint
01/05/2023
Complaint Type:
Billing Issues
Status:
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.
In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC ******* U.S.C **** section 602 A. States I have the right to privacy.15 U.S.C **** Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions.
Business response
01/06/2023
This interpretation of the law is incorrect. We do not need written permission to place on the credit bureau. Please let us know if you need any further assistance.
Customer response
01/06/2023

Complaint: 18689923

I am rejecting this response because: i have never received validation of the debt

Sincerely,

*****************************
Business response
01/10/2023
Which debt(s) specifically did you not receive validation. Was this validation requested verbally or in writing in the first 30 days of its delinquency?
Initial Complaint
12/13/2022
Complaint Type:
Order Issues
Status:
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.
I am very disturbed and upset withCREDITORS DISCOUNT M AND A has not responded back to me I sent a letter requesting the proof of contract . I need these accounts deleted from my credit report they violating my right
Business response
12/13/2022
Scheduled for deletion from credit bureaus.
Initial Complaint
12/10/2022
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I was rear-ended in March of 2021 and had to go to the hospital for MRI and X Ray. This accident triggered a lawsuit which reached a settlement. My lawyer PAID my hospital bill as part of the settlement. So when I see this company showing up on my credit report, I call this collection agency and end up with THE most unhelpful person I've ever interacted with. When I explained my situation, all she said was "where's the proof of payment?". I told her that my lawyer has copies of all the records and I could provide her email address/contact number. When this woman was done literally laughing at me, she said "I am NOT doing YOUR LEGWORK". Great attitude to have when someone's trying to resolve a debt. Her only explanation for why this bill is still outstanding is "Radiological Consultants bills differently from the hospital". As if I'm supposed to understand what that means.I had to visit with SEVEN different medical providers after this car accident. Every single one of them has been paid, in full, by the settlement, except your client? Strange. The only explanation i can think of is ************************************* did send my attorney a copy of my medical bill (because it would've gotten paid from the settlement if they did. Thats the law.)To come after me and put a dent in my credit score TWO YEARS after the fact, and then act like I'M the bad guy and tell me straight to my face that you're not going to help me in any way, shape or form is so beyond frustrating. I am requesting that this be dropped from my credit report as this was part of a lawsuit that involved ALL medical providers being paid. Also, train your people better and listen to your recorded phone calls. The way I was treated today was disgusting.
Business response
12/13/2022
This account has been scheduled for deletion from the credit bureau.
Customer response
12/13/2022

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

*********************
Initial Complaint
11/09/2022
Complaint Type:
Billing Issues
Status:
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.
I noticed that there is inaccurate account that I needed to report. Evaluate and investigate those account that is not 100% accurate. Here are the lists that indicates the company name, balance, and date last reported:Account Name CREDITORS DISCOUNT & A Balance $1,493 Account Number *********
Business response
11/16/2022
This account has been requested for deletion from the credit bureaus. See attached.
Initial Complaint
09/22/2022
Complaint Type:
Service or Repair Issues
Status:
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.
I received 2 statements from them stating that I owed a total of $3,716.00. This was either ************************************************************* error or Grundy County Radiologists error since this is not my debt. Per instructions on the statements, I filed a protest on-line stating that this was not my debt and requesting statements from Grundy County Radiologists showing the date and location of service and service provided and awaited a reply. I never received a reply, so I called them this morning and was told by 2 different people that this debt had been cancelled and that it was initially filed in error. When I requested a written confirmation of the debt cancellation, I was told that was not possible. Had I not called, I would never have known that this debt had been cancelled. I believe that is negligent and that they should have sent that information to me in writing without having to request it. And barring that, that they should have been willing to send a written confirmation upon my request.
Business response
09/23/2022
All these account have been cancelled as stated by the agent in the complaint. See attached. Sorry for any inconvenience.
Initial Complaint
09/15/2022
Complaint Type:
Billing Issues
Status:
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.
I was trying to get an account with another creditor when my current creditor was contacted and shared my account history and confidential information about me to the creditor I was trying to do business with without my permission the business that shared my account information name is ************** company in *********** ** her name is ****** the branch manager.
Business response
09/16/2022
"************** company in *********** ** her name is ****** the branch manager" This is not us. We are Creditors Discount and Audit in ******** **.
Initial Complaint
09/09/2022
Complaint Type:
Service or Repair Issues
Status:
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.
I do not have a contract with Creditors Discount & Audit. I have never done business with this Company.
Business response
09/15/2022
We do not contract with consumers. We are a third party vendor working for a provider that rendered a service to you. Please contact us if you need further aid in this matter. Thank you.

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