Credits, Incorporated CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
10/02/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	OR 970XX	Web
After checking my credit report on XX/XX/2022, I learned that there is are two supposed bills in collections, both apparently held by the following debt collector : Credits, Inc. XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX info@creditsinc.com The statement shows a bill owed to XXXX XXXX XXXX XXXX with a {$350.00} balance and a bill owed to one XXXX XXXX for {$98.00}. I emailed 'Credits, Inc ' at the above email and left my contact information. They replied back via text, stating that my balance is {$1500.00} - and to click their link to 'make the payment '. They would not say who the original creditor is for this supposed bill. I replied back several times to them asking for an explanation of what the bill is for and they will not answer me. When I view their website, there is only a page to put in a credit card. I have no intention of sending money ( especially a large amount ) blindly to someone. If I indeed owe a bill of any kind, I want to get it paid via monthly payments. However, I require a detailed accounting of who the money is going to first. This company 's refusal to respond to my repeated requests makes me suspicious as to the very real possibility that 'Credits, Inc ' is a scam.
11/08/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	OR 97220	Web	Servicemember
Credits , Incorporated XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Oregon XXXX. Phone XXXX or XXXX has been repeatedly attempting to collect a debt, they initially purchased from XXXX XXXX. I had {$3.00} in my XXXX XXXX Checking Account. XXXX XXXX accepted a debit charge against my XXXX XXXX Checking Account in the amount of {$250.00} & have since added {$7.00} in interest charges for a total of {$250.00} ( they took the {$3.00} in addition & the balance of the charge to XXXX XXXX was {$250.00} ) they claim I owe them. I do not have overdraft protection & specifically opted out of that offer. I never approved the purchase. Why would XXXX XXXX accept a charge of {$250.00}, when my account only had a balance of {$3.00}?
08/15/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OR XXXXX	Web	Servicemember
Credit Inc of XXXX, OR claims they sent one letter for a {$100.00} medical collection, I never received any communication from them regarding this debt, when I called I was advised she is sorry I didn't get the letter but I could pay the debt and it would still remain on my credit as a paid collection. It is completely unfair that a company can ruin someones credit over {$100.00} medical bill with no proof they sent you a letter. I have good credit and would never jeopardize my credit over a small medical bill. I also intend to pursue them in court if this is not removed. There company reviews online seem to have people saying the same thing.
02/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OR 97322	Web	Servicemember
CREDITSINC has placed a medical bill on my credit reports that do not belong to me. I've contacted them and the medical facility. They both admit this is not my bill, that it is my ex-wifes, whom I've been divorced from since XX/XX/XXXX. They refuse to delete it. Its {$130.00} dollars and its my only negative credit listing. They flatly refuse to remove it. Creditor Name CREDITS INC Account No. XXXX** Original Creditor XXXX XXXX Responsibility Individual Condition Derogatory Original Balance XXXX Balance XXXX Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Remarks Placed for collection
05/26/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	OR 97838	Web
Credits inc. have been garnishing me for months and have took thousands! I know for a fact that multiple judgements are lumped together and I have no way of disputing any of them! I dont know what Im getting garnished for and. I body will tell me anything. I can not support my family! I cant get on food stamps, I cant get supplemental ANYTHING. Im robbing XXXX to pay XXXX. My home was in foreclosure and Im starting to loose my everything. Please, agreement other than them stealing what I work hard for, food off my table, clothes off my kids backs! I need help.
06/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OR 97801	Web
Preferred property tried to charge me {$4000.00} for a broken window and I argued the cost down to {$400.00}, paid it and left the unit. I am now hearing that I am being charged over {$4600.00} by a company that claims to have bought the debt, I asked for proof and they immediately sued me without providing proof. I did not receive notice that I was being sued and was defaulted against. The company suing me and is named Credits , Incorporated - based in XXXX, Oregon.
08/10/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	WA 98926	Web
Frequent phone calls, multiple times a day/week. I have gone to their website and submitted a request XXXX ) to be contacted via writing ONLY. I have done this about XXXX times. I have yet to recieve anything in writing from them since my request. The frequent phone calls are disrupting my work.
05/15/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	OR 97756	Web
Credits Inc has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
05/12/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	KY 40475	Web
Credits Inc has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
06/15/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WA 99352	Web

07/30/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WA 98948	Web