Complaints
Customer Complaints Summary
- 175 total complaints in the last 3 years.
- 52 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:06/11/2025
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 am not liable for this debt with HARVARD COLLECTION SERVICE. I dont not have a contract with HARVARD COLLECTION SERVICE . They did not provide me with original contract as I requested
Business Response
Date: 06/18/2025
Thank you for bringing the concerns of the consumer to our attention regarding the account assigned to ******************** (HCS). We appreciate the opportunity to address your inquiry.
The account at issue was assigned by our client, ***************************, on October 25, 2024, in the name of ****, ****. An initial notice was mailed to the last known address of the consumer in October 2024.
Upon receipt of the BBB complaint, we have documented the account as disputed and submitted the account for credit deletion.
If you have any further questions or require additional assistance, please do not hesitate to contact us at ************.
Sincerely,
Harvard Collection Services (HCS)Initial Complaint
Date:06/05/2025
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.
A collection account from IL department was recently added to my credit report without any prior notice or communication from the company. I was never informed of this alleged debt, nor was I given a chance to validate or dispute it before it was reported to the credit bureaus.Under the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA), I am entitled to be notified of any debt and to dispute its validity before it is reported. I am requesting that Harvard Collection Services remove this item from my credit report immediately and provide proper written documentation if the debt is valid.Business Response
Date: 06/09/2025
Thank you for bringing the concerns of the consumer to our attention regarding the account assigned to ******************** (HCS). We appreciate the opportunity to address your inquiry.
The account at issue was assigned by our client, the **************************** Services, on April 01, 2025, in the name of ******,******. On April 02, 2025, a notice was mailed to the last known address of the consumer. We do not own the debt; it was placed with us by our client.
Upon receipt of the BBB complaint, we have documented the account as disputed and submitted the account for credit deletion.
Additionally, we requested an itemized statement from our client, which will be mailed to the consumer's postal address as soon as we receive it from our client.
If you have any further questions or require additional assistance,please do not hesitate to contact us at ************.
Sincerely,
Harvard Collection Services (HCS)Initial Complaint
Date:05/29/2025
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 honestly dont get why HARVARD COLL is reporting this debt under my name because I dont owe them anything. I never signed anything with them, and when I asked for a copy of the original application, they didnt even bother to provide it. Its frustrating because this is hurting my credit for no reason, and its just not fair. How can they just put something on my report without any proof?Account No: [Insert Account Number]Amount Disputed: ********Business Response
Date: 06/09/2025
Thank you for bringing the concerns of the consumer to our attention regarding the account assigned to ******************** (HCS). We appreciate the opportunity to address your inquiry.
The account at issue was assigned by our client, the **************************** Services,on April 01, 2024, in the name of ********,******. On April 03, 2024, a notice was mailed to the last known address of the consumer. We do not own the debt,it was placed with us by our client.
Upon receipt of the BBB complaint, we have documented the account as disputed and submitted the account for credit deletion.
Additionally,we requested an itemized statement from our client, which will be mailed to the consumer's postal address as soon as we receive it from our client.
If you have any further questions or require additional assistance, please do not hesitate to contact us at ************.
Sincerely,
Harvard Collection Services (HCS)Initial Complaint
Date:05/17/2025
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 am not liable for this debt with *************************** . I do not have a contract with Harvard collection services, they did not provide me with the original contract as requested.Business Response
Date: 05/23/2025
Thank you for bringing the concerns of the consumer to our attention regarding the account assigned to ******************** (HCS). We appreciate the opportunity to address your inquiry.
The account at issue was assigned by our client, ***************************, on August *******, in the name of ********, *****. On October 04, 2022, a notice was mailed to the last known address of the consumer. We do not own the debt, it was placed with us by our client.
Upon receipt of the BBB complaint, we have marked the account as disputed and submitted the account for credit deletion. Additionally, we requested an itemized statement from our client, which will be mailed to the consumer's postal address as soon as we receive it from our client.
If you have any further questions or require additional assistance, please do not hesitate to contact us at ************.
Sincerely,
Harvard Collection Services (HCS)Initial Complaint
Date:05/16/2025
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 am not liable for this debt with IL DEPARTMENT OF HUMAN SERVICE, I do not have a contract with HARVARD COLLECTION SER,LP, they did not provide me with the original contract as i requestedBusiness Response
Date: 05/23/2025
Thank you for bringing the concerns of the consumer to our attention regarding the account assigned to ******************** (HCS). We appreciate the opportunity to address your inquiry.
The account at issue was assigned by our client, the **************************** Services,on April 01, 2024, in the name of ********,******. On April 03, 2024, a notice was mailed to the last known address of the consumer. We do not own the debt,it was placed with us by our client.
Upon receipt of the BBB complaint, we have documented the account as disputed and submitted the account for credit deletion.
Additionally,we requested an itemized statement from our client, which will be mailed to the consumer's postal address as soon as we receive it from our client.
If you have any further questions or require additional assistance, please do not hesitate to contact us at ************.
Sincerely,
Harvard Collection Services (HCS)Initial Complaint
Date:05/09/2025
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 am not liable for this debt with IL DEPARTMENT OF HUMAN SERVICE, I do not have a contract with ****** Collection Service, they did not provide me with the original contract as I requested.Business Response
Date: 05/15/2025
Thank you for bringing the concerns of the consumer to our attention regarding the account assigned to ******************** (HCS). We appreciate the opportunity to address your inquiry.
The account at issue was assigned by our client, the **************************** Services,on February 01, 2024, in the name of ******,ISHAMINA L. On February 02, 2024, a notice was mailed to the last known address of the consumer. We do not own the debt, it was placed with us by our client.
Upon receipt of the BBB complaint, we have documented the account as disputed and submitted the account for credit deletion.
Additionally,we requested an itemized statement from our client, which will be mailed to the consumer's postal address as soon as we receive it from our client.
If you have any further questions or require additional assistance, please do not hesitate to contact us at ************.
Sincerely,
Harvard Collection Services (HCS)Initial Complaint
Date:05/02/2025
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.
I am not liable for this debt with ***************************, I do not have a contract with the HARVARD COLLECTION SERVICES, they did not provide me with the original contract as I requested.Business Response
Date: 05/08/2025
Thank you for bringing the concerns of the consumer to our attention regarding the account assigned to ******************** (HCS). We appreciate the opportunity to address your inquiry.
The account at issue was assigned by our client,***************************, on September 23, 2024, in the name of ********,*******. On November 12, 2024, a notice was mailed to the last known address of the consumer. We do not own the debt, it was placed with us by our client.
We received a dispute through the credit reporting system on May 05, 2025, following which we marked the account as disputed and submitted the account for credit deletion. Additionally, we requested an itemized statement from our client, which will be mailed to the consumer's postal address as soon as we receive it from our client.
Upon receipt of the BBB complaint, we have documented the account and re-submitted the account for credit deletion.
If you have any further questions or require additional assistance, please do not hesitate to contact us at ************.
Sincerely,
Harvard Collection Services (HCS)Customer Answer
Date: 05/09/2025
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.
Dear Harvard Collection Services,
Thank you for your response and for confirming that the account has been marked disputed and submitted for deletion from my credit report. I also appreciate your request for the itemized statement from Consolidated ******* and I will await its delivery.
Please confirm once the credit deletion is finalized across all three major credit bureaus (Equifax, Experian, and TransUnion). If any further steps are needed from my side, dont hesitate to notify me.
Sincerely,
******* ********Initial Complaint
Date:04/28/2025
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 am not liable for this debt with ***************************. I do not have a contract with HARVARD COLLECTIONS SERVICES, LLC. They did not provide me with the original contract as requested.Business Response
Date: 05/07/2025
Thank you for bringing the concerns of the consumer to our attention regarding the account assigned to ******************** (HCS). We appreciate the opportunity to address your inquiry.
The account at issue was assigned by our client,***************************, on August 26, 2024, in the name of *****, ******.On October 11, 2024, a notice was mailed to the last known address of the consumer. We do not own the debt, it was placed with us by our client.
Upon receipt of the BBB complaint, we have documented the account as disputed and submitted the account for credit deletion.Additionally, we requested an itemized statement from our client, which will be mailed to the consumer's postal address as soon as we receive it from our client.
If you have any further questions or require additional assistance, please do not hesitate to contact us at ************.
Sincerely,
Harvard Collection Services (HCS)Initial Complaint
Date:04/22/2025
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.
The company Harvard collections Ser. I don't know who they are or owe them any money. I don't have any contact with them. They didn't provide me with the original contract as requested.Business Response
Date: 04/29/2025
Thank you for bringing the concerns of the consumer to our attention regarding the account assigned to ******************** (HCS). We appreciate the opportunity to address your inquiry.
The account at issue was assigned by our client, the **************************** Services, on May *******, in the name of ******,*******. On May 02, 2024, a notice was mailed to the last known address of the consumer. We do not own the debt, it was placed with us by our client.
Upon receipt of the BBB complaint, we have documented the account as disputed and submitted the account for credit deletion.
Additionally, we requested an itemized statement from our client, which will be mailed to the consumer's postal address as soon as we receive it from our client.
If you have any further questions or require additional assistance, please do not hesitate to contact us at ************.
Sincerely,
Harvard Collection Services (HCS)Initial Complaint
Date:04/17/2025
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.
A collection account from ******************** was recently added to my credit report without any prior notice or communication from the company. I was never informed of this alleged debt, nor was I given a chance to validate or dispute it before it was reported to the credit bureaus.Under the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA), I am entitled to be notified of any debt and to dispute its validity before it is reported. I am requesting that Harvard Collection Services remove this item from my credit report immediately and provide proper written documentation if the debt is valid.Business Response
Date: 04/29/2025
Thank you for bringing the concerns of the consumer to our attention regarding the account assigned to ******************** (HCS). We appreciate the opportunity to address your inquiry.
The account at issue was assigned by our client, the **************************** Services,on September 03, 2024, in the name of ********, *******. On September 05, 2024,a notice was mailed to the last known address of the consumer. We do not own the debt, it was placed with us by our client.
We received a dispute through the credit reporting system on April 01, 2025, following which we noted the dispute and requested an itemized statement from our client,which will be mailed to the consumer's postal address as soon as we receive it from our client.
Additionally,the account has been submitted for credit deletion.
If you have any further questions or require additional assistance, please do not hesitate to contact us at ************.
Sincerely,
Harvard Collection Services (HCS)
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