Complaints
This profile includes complaints for General Credit Services Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 125 total complaints in the last 3 years.
- 45 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe 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:24/08/2022
Type: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 an outstanding debt I would like to take care of.
When I originally was able to finally pay it off, I called several times, never reached an agent or got a call back. Radio silence for at least a month.
The first letter was then sent to my previous address, delivered several days after the payment options offer expired. Upon receiving this letter, I proceeded to call the number listed on numerous days, never being connected to an agent. I left voicemails with all relevant information each time and did not receive a return phone call.
The next letter arrived at my current address, also arriving several days after the enclosed 72 hour time limit had expired.
I have the intent to pay this debt but am being labeled as "uncooperative" when I am not able to reach an agent at any time.
Business Response
Date: 24/08/2022
Hello *******
I have reviewed your account and can confirm that we received your payment in full on august 17th 2022. I also see that you closed this matter with Juliana earlier today on August 24th, 2022. the account now closed and we will report your payment to the credit reporting agencies at the beginning of September. We apologize for the letters overlapping your payment and lengthy response time with your calls.
Thank you for contacting GCS Compliance.
Enzo S****** CCO.
Initial Complaint
Date:18/08/2022
Type: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.
Kindly note this takes a lot of my energy at this moment.
The company sent me a letter 1 week ago and I called back and explained to the agent on the phone that debt is over 6 years and unfortunately I am dealing with ****** *** ***** ****** ****** ****** *** ** *******.
The agent said that would be removed and my credit report would be adjusted.
Now a week later I get a letter saying they will take action if I don't pay in 7 days.
I find a low move to tell someone that is fragile something and then send a ******* I reached out after the first letter and all I was told it's like never happened.Business Response
Date: 24/08/2022
Dear ***** ******
I'm sorry to hear about your health condition. I can certainly assist you with your request however, we are not able to locate an account under the name ***** ******
Please provide us with an account number or more information such s the name of the creditor or a screenshot of what you are seeing on your credit report. You may continue via the BBB portal or email to [email protected] and I will personally assist you.
Thank you,
Enzo S*****, CCO.
Customer Answer
Date: 29/08/2022
Complaint: ********
Sorry had to click on reject buttonto General Credit Services. As mentioned spoke to someone. The account is ****************
how someone found me and provided that number and you cannot? I cant deal with all the mixed communications happening there apparently.
Sincerely,
***** *****Business Response
Date: 13/09/2022
Dear ***** ******
Since the creditor has not provided sufficient evidence for this account, we have sent a request to have it removed from your credit report. If the evidence is provided in the future we will notify you and add it to your credit report.
Thank you,
Enzo S*****, CCO
Customer Answer
Date: 13/09/2022
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID 1******** and find that this resolution is satisfactory to me.
Sincerely,
***** *****Initial Complaint
Date:18/08/2022
Type: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 recently received a phone call from an individual stating they were from General Credit Services, which I had never heard of before. They went on to state that they were looking to collect money but failed to indicate where from, so I promptly hung up. I then went to check my credit report via ****** ***** and found that there was indeed a notification on my credit report from General Credit Services for something from ********* **** **** **** that was opened on April 1, 2022. It stated that the opening balance was over $8,000 and, despite me never hearing of this owing amount, is now down to $3600, and that is the amount they are looking for. I have been trying to rectify my credit and have not opened anything in April and I have never heard of this. This is not something I have opened and I am not familiar with any of these items. I feel this has been either ************ placed on my account, or placed by error. Please help me fix this mistake.Business Response
Date: 24/08/2022
Dear ****** ******
Our company has made regular weekly attempts to reach you by
phone and mail. We have had no response to our calls and in some cases, someone
simply hung up without speaking. Our contact attempts and the item you are viewing
on your credit report is regarding an outstanding debt with our client, *** ****** ******** *** who purchased your bank of ******** account ending with *****
The initial balance was $8192.68 which was later adjusted by
the creditor to $3620.49.
This balance is due in full immediately.
Thank you,Enzo S***** CCO
Initial Complaint
Date:12/08/2022
Type: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 checked my credit report to discover that General Credit had filed a false debt on my credit report and reported an incorrect ***** *********** ***** The debt that I suspect that they are referring to happened well over 7 years ago which means they are "re-aging" debt to keep it on my report. It is ********** to file false information to credit bureaus.
I have had no prior contact with this company, I claim no debt with them, I have no idea who they are, I have never given them money, and they suddenly claim that I have new debt with them.
This company is operating well out if the statute of limitations in Ontario, and filing ********** debts to credit bureaus.
I have filed a dispute with ********** and will be pushing this further by contacting the ******** ********** ******* ******** ** ********** and ******** ******** office if action is not swiftly taken by General Credit to rectify the situation on their own accord.Business Response
Date: 24/08/2022
Dear ***** *********
The date that
you are looking at on your credit report is most likely the date that we
received this account from our client. This matter is regarding a ** ****** ***** account in your name. Our client, *********, purchased this debt from ** ****** ***** and forwarded this account for immediate collections with our
company. The information we received indicates that the last payment made was
on October 9th,2020. If this is accurate the account is not beyond
statute. To ensure that this information is correct, we have requested all the
documents and statements held by the creditor. As soon as we receive them, we
will inform you on the next steps.
Thank you,
Enzo S*****
CCO General
Credit Services
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