Credit Associates, Inc. (MO) CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
04/29/2017	No	Debt collection Medical debt	Communication tactics Called before 8am or after 9pm	CA 90038	Web
In XXXX of XXXX I suffered an injury at work that was covered by worker 's comp. Since that date, I have been receiving notices from the XXXX XXXX XXXX XXXX XXXX , indicating that I owe them {$290.00} for a consultation while I was in the hospital. This should be covered by the worker 's comp company. I have contacted the worker 's comp company and they have assured me that they have been trying to reach the XXXX XXXX XXXX XXXX XXXX XXXX XXXX without success. Meanwhile, the XXXX XXXX XXXX XXXX XXXX has continued to send me letters, despite multiple calls to try and clarify the situation. Now, I have begun to receive letters from Credit Associates , Inc., attempting to collect what the XXXX XXXX reported as a debt. As of this morni ng, Credit Associates left a shredded note taped to my front door at approximately XXXX , in regards to the supposed debt. Not only is this in violation of the California State Rosenthal Fair Debt Collection Practices Act and the Federal Fair Debt Collection Practic es Act for contacting me well before XXXX , but I believe it also constitutes harassment ; not only for coming to my home to post a shredded notice, but also for potentially revealing information to persons other than my attorney and my sp ouse ( i.e. my neighbors and roommate ).
09/07/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WA 993XX	Web
On XX/XX/XXXX I sent 31 requests for validation of collection accounts to Credit Associates Inc. by USPS Certified Mail. I have the mail receipts and the USPS tracking verification that all 31 letters were received by Credit Associates Inc at their mailing address on XX/XX/XXXX. As of XX/XX/XXXX, Credit Associates Inc has not responded to any of the my written requests for account validation and for proof that they have authority or right to collect the debt for the original creditors, and also that they are legally authorized and licensed to collect debts in the state of Washington. Additionally, of the 31 accounts I requested validation for, they did not update 10 of the accounts to disputed status with the credit bureaus within 30 days as required by law. By not responding to my letters within 30 days of receipt they are guilty of 10 separate violations of FDCPA Section 807 ( 8 ) ( they did not update 10 of the accounts to dispute status within 30 days of receiving the validation letters ), 26 separate violations of FDCPA Section 805 ( c ) ( 5 of the accounts were previously paid by me to try to avoid negative credit ) and 26 separate violations of 809 ( b ) for continuing to try to collect a debt that has not been validated after receiving a validation request.
10/28/2015	Yes	Debt collection Medical	Taking/threatening an illegal action Threatened arrest/jail if do not pay	MT 598XX	Web	Servicemember
Wednesday, XX/XX/XXXX a sheriff showed up at my place of employment and also at my husband 's place of employment. The sheriff served us papers from Credit Associates for a debt we owe of XXXX to XXXX XXXX. I had made payment arrangements with to credit agency of XXXX. I made XX/XX/XXXX and XX/XX/XXXX 's paymenst.My husband was diagnosed with XXXX XXXX in XX/XX/XXXX and we had a deductible of XXXX per-person. We have many doctor and hospital bills and it 's been very difficult to keep track of them all.That being said, I missed a few payments.My last contact with XXXX XXXX was XXXX XXXX to which I told them I would try to get a loan but because of poor credit we were unable to get a loan. We were still trying to come up with the money when about 49 days later a sheriff comes to our place of employment serving us papers. This was the most humiliating, scary, and embarrassing thing that has ever happen to me and my husband. Now I 'm in fear of loosing my job over this. I 've tried to settle with this credit agency but they have refused.
09/09/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	OK 74014	Web
The amount reported on my credit report by was paid in full ( {$830.00} ) to the XXXX XXXX XXXX. Below is a screen shot of the credit report and the Money Order sent to their po box Address. This Money Order per US Postal shows that it was received and cashed by them. This my final notice to you and the collection agency. I will file official complaint at the Consumer Financial Bureau against XXXX and the Credit Agency. My right is being violated under the fair credit report by continued failure to update this account despite the evidence. The collection agency -Credit Associates Inc. in XXXX XXXX , Montana has decided to report {$750.00} as amount received however, the reported debt to the credit bureau {$830.00} was paid in full to them. They claim {$87.00} owed despite evidence that {$830.00} was paid to them as full payment owed and as reported to the credit bureaus.
02/07/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MT 59602	Web
The bill that the XXXX is trying to collect is for services that I did not authorize. The animal shelter in XXXX MT took an injured cat to the XXXX. The XXXX chose to due major XXXX on their own accord and at their own expense on this cat they assumed to be a stray. Well after the XXXX was done it was discovered that it was my cat and they want me to pay this bill and have turned this into Credit Associates for collection. I did not authorize these services, especially XXXX for {$980.00} I was not even aware of the services until after the fact. The collection law firm that represents Credit Associates, XXXX, refused to take the account as it is not a valid collectible debt. However Credit Associates still reports this collection on my credit report. I have disputed this account previously however they refuse to remove the reporting.
06/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NE 68801	Web
In XXXX I had refinanced my car which included a {$440.00} addition to my loan to pay off a collection. The check was sent out and cashed. It was negotiated by my bank for a pay for delete. I have spoken to my bank and the check has been cashed over a month ago. I disputed online with XXXX twice and included a copy of the check. The company has twice verified it as accurate. The company had already cashed the check. The debt has been paid off in its entirety. They collection agency has said it has t been paid when it has. My last dispute that was completed was XX/XX/20 and it was verified by XXXX as not being paid.
01/05/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MT 598XX	Web	Servicemember
My husband had medical debts that went to collections. The collection agency went after me and reported these debts on my credit report only. I objected to them reporting it on my credit. I objected to to the fact that the collection bills come only in my name. We do not live in a community property state. The collection agency insists that the debt is my legal responsibility and that I have no recourse in this matter. This has damaged my credit score making me unable to buy another vehicle at a decent rate.
08/12/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MT 594XX	Web
My collections from benefits were paid by insurance. I also disputed several reports and they said it would be removed but its still on my credit report.
11/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MT 59725	Web

01/06/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MT 59718	Web

04/29/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MT 59923	Phone

06/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MT 59714	Web

05/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MT 59714	Web

01/29/2021	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	MT 59404	Web

04/11/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	MT 59405	Web

12/28/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MT 59715	Web	Servicemember

06/01/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MT 59624	Web

03/04/2017	Yes	Debt collection Medical	Taking/threatening an illegal action Seized/Attempted to seize property	MT 59404	Web

05/26/2016	No	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	MT 59803	Web

05/16/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 926XX	Web