BBB Accredited Business since
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A BBB Accredited Business since
BBB has determined that Commercial & Medical Credit Service meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.
BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.
Reason for Rating
BBB rating is based on 16 factors. Get the details about the factors considered.
Factors that raised the rating for Commercial & Medical Credit Service include:
- Length of time business has been operating.
- Complaint volume filed with BBB for business of this size.
- Response to 2 complaint(s) filed against business.
- Resolution of complaint(s) filed against business.
- BBB has sufficient background information on this business.
Customer Complaints Summary Read complaint details
|Complaint Type||Total Closed Complaints|
|Problems with Product/Service||0|
|Total Closed Complaints||2|
Customer Reviews Summary Read customer reviews
|Customer Experience||Total Customer Reviews|
|Total Customer Reviews||0|
Licensing, Bonding or Registration
This business is in an industry that may require professional licensing, bonding
or registration. BBB encourages you to check with the appropriate agency to be certain
any requirements are currently being met.
These agencies may include:
Type of Entity
Business ManagementMrs. Brenda Coffee, President Peggy Deatley, Office Manager
Consumer Finance & Loan Companies
Alternate Business NamesAdvocate, Inc.
9844 Lorene Ln
San Antonio, TX 78216 (210) 340-9515 Directions
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Complaint Trends - Last 3 Years
Customer Review Trends
BBB Customer Review Rating plus BBB Rating Overview
BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.
|Customer Review Experience||Value|
|Positive Review||5 points per review|
|Neutral Review||3 points per review|
|Negative Review||1 point per review|
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BBB Letter Grade Scale
Star Rating scale
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Read Complaint Details
Complaint: I was in a MVA in 2012 and I am permanently disabled due to this accident I have had many billing issues with the medical care I have received. This business contacted me about a bill that was sent to them and I did not know it had gone to collections. When I asked if they had billed through the auto claim representative **** told me it was not their problem and that I would need to deal with it and then hung up on me. If I am to be contacted by the collection agency I expect to be treated with respect and to be able to discuss what it is in regards to who they are when it was sent to them and how I can get it handled. Not yelled at and hung up on by someone who called me.
Desired Settlement: I only wish to be contacted if they plan on assisting me in the information that I need to get it covered under my MVA claim or they can take care of that themselves. I have not given them a reason to call and harrasse me or treat me like this. they can not be a customer service based company and call to yell at people and hang up on them.
7/23/14 Complaint ID ********
It was my understanding that *** ******** called our office initially and also made a second call to obtain the representatives name. CMC has mailed a notice to *** ******** on June 13, 2014 to her residence address informing her that she had an account in collections. We have no confirmation that she received the letter. Being there is a mix up on who made the initial call, I sincerely apologize to *** ******** for *****s rudeness and the fact that **** hung up on *** ******** without properly ending the call.
BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved
Read Complaint Details
Complaint: This company somehow acquired a debit card number and processed an unauthorized payment of $355. When my wife called up ***** **** and talked to them, ***** **** called Commercial and Medical and demanded to know how they got the card number. Commercial and Medical then reversed the debit. We spoke to Commercial and Medical to ask them how they got the card number and they said we gave it to them. This is an outrageous lie ... we never gave them any card number. They then threatened to take more money out of the account so we changed the card number. In fact, they told me they ... quote "Do this all the time" ... am I to understand that they commit fraud like this all the time. We are very upset that they could do this. How did they get the debit card number ? In addition ... I just called them up to get their address, told them I was filing this complaint ... and then, about a minute later, I received a call from my own phone number ... proven by my caller id. What is going on here ... we need to get to the bottom of this. Thank you
Desired Settlement: Have them tell us how they acquired the debit card information.
COMMERCIAL & MEDICAL CREDIT SERVICES
Dear BBB: Just because I haven't responded does Not mean my complaint has been resolved ... in fact, it has not. I tried to respond to your office once but I got lost in your way of doing it ... with the emails etc. This company, in their response, admitted to fraud. They represented themselves as ***** and they deceived me. Isn't that fraud ? That's why the payment was the exact same amount as my truck payment ... to *****.
Just because I haven't responded does Not mean my complaint has been resolved ... in fact, it has not. I tried to respond to your office once but I got lost in your way of doing it ... with the emails etc.
This company, in their response, admitted to fraud. They represented themselves as ***** and they deceived me. Isn't that fraud ?
That's why the payment was the exact same amount as my truck payment ... to *****.
11/26/13 Complaint ID ******* It is our procedure when calling on behalf of our clients to use the phrase "I am calling on behalf of" i.e. ******** ******* *****. Our collectors use this phrase because we are not employees of i.e. ******** ******* *****. and this phrase is not used to deceive anyone. It is unfortunate that *** **** ****** misunderstood the phrase "on behalf of" as Commercial & Medical Credit Services representing an employee of ******** ******* ******* ****** *****. This is not Commercial & Medical Credit Services intentions. ***** ******* *********** *******
Yes, this is the same response as last time ... and just as misleading. They might have opened up the conversation that way but when I asked if it was about my truck payment ... they agreed. That's why the payment was for $355 ... my truck payment. This is no coincidence. That's why I will not give this up. I would never have agreed to make this payment if not for their misrepresentation. I fully believe that it was totally intentional ... and I consider that fraud. Furthermore ... during this process they realized that the bank account was in my wife's name and called her up and got nasty with her. They can not be allowed to behave like this.
BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.