Complaints
This profile includes complaints for F.H. Cann & Associates, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 61 total complaints in the last 3 years.
- 30 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:10/09/2025
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 and I do not have a contract with ** **** plus they did not provide me with the original application like I asked.Account No: ******* Amount Disputed: $ 2095
Business Response
Date: 10/13/2025
Dear ***** ******:
**** **** & Associates, **** takes all claims seriously and conducts a thorough, case-by-case review of each matter. **** **** & Associates, **** is a collection agency engaged by ****************** to help students resolve their outstanding accounts. We forwarded your complaint to our client, and we are attaching the proof of debt they provided for your reference.
If you have any further questions, please feel free to contact me directly at ****************************.
Sincerely,
******* A. ******, Esq.
General Counsel / Chief Compliance Officer - **** **** & Associates, ****Initial Complaint
Date:10/06/2025
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 and I do not have a contract with ** **** plus they did not provide me with the original application like I asked.Account No: ******* Amount Disputed:$1,735.00Business Response
Date: 10/10/2025
Dear ******* *********:
**** **** & Associates,Inc. takes all claims seriously and conducts a thorough, case-by-case review of each matter.
**** **** & Associates,Inc. is a collection agency engaged by ****************** to help students resolve their outstanding accounts.
We forwarded your complaint to our client, and we are attaching the proof of debt they provided for your reference.
If you have any further questions, please feel free to contact me directly at ****************************.
Sincerely,
******* A. ******, ****
General Counsel / Chief Compliance Officer
**** **** & Associates*****Initial Complaint
Date:10/03/2025
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 agency never sent me the required validation notice for this debt. Despite this, the account is still being reported, which has harmed my credit.Business Response
Date: 10/10/2025
Dear ******* *****:
**** **** & Associates,Inc. takes all claims seriously and conducts a thorough, case-by-case review of each matter. We are a collection agency engaged by ****************** to assist students in resolving outstanding account balances.
In your complaint, you stated that a validation notice was never sent for this account. According to our records, a validation notice was mailed on October 17, 2024, to the address on file: ************************* D, Spring, TX *****. This correspondence was not returned as undeliverable.
Based on the updated information provided in your complaint, we have now revised your address to: ********************************************
If you have any further questions, please feel free to contact me directly at ****************************.
Sincerely,
******* A. ******, ****
General Counsel / Chief Compliance Officer
**** **** & Associates,Inc.Initial Complaint
Date:09/29/2025
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.
The reported balance varies between bureaus without proper documentation.Business Response
Date: 10/01/2025
Dear ****** ******:
**** **** & Associates,Inc. takes all claims seriously and conducts a thorough, case-by-case review of each matter. As a fully licensed collection agency, we are working on behalf of our client, ******************, to manage outstanding accounts.
Following a comprehensive review, we can confirm that the same balance has been reported to all three major credit bureaus. Please note that any differences in how or when the bureaus update their records are outside of our control.
If you have any further questions, please feel free to contact me directly at ****************************.
Sincerely,
******* A. ******, ****
General Counsel / Chief Compliance Officer
**** **** & Associates*****Initial Complaint
Date:08/26/2025
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.
Threats of legal action were made without the proper authority to do so.Business Response
Date: 09/05/2025
Dear ****** ******:
**** **** & Associates,Inc. takes all claims seriously and conducts a thorough, case-by-case review of each matter. As a fully licensed collection agency, we are working on behalf of our client, ******************, to manage outstanding accounts.
Following a comprehensive investigation, we can confirm that no threat of legal action was made either verbally or in writing by our office. Regarding your request to remove your account from credit reporting due to alleged inaccuracies, we have verified that the information reported is accurate, consistent with our findings during your previous dispute submitted through the credit bureaus in June.
If you have any further questions, please feel free to contact me directly at ****************************.
Sincerely,
******* A. ******, ****
General Counsel / Chief Compliance Officer
**** **** & Associates*****Initial Complaint
Date:08/19/2025
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.
In Nov 2024, a collection was placed on my credit report for something I was not aware of until June 2025. I sent certified letter asking for validation because the original creditor was a college I attended 5 years ago. This company has violated my rights by not responding to the validation letter requested within a timely manor. They never made contact with me when they added the collection to my credit report, they still have not made contact. The original creditor has also never made contact with me. They should be held accountable for their actions in not following my rights to dispute and have the collection validated. After reading review of this company, it is apparent they do not following debt collections laws and they do not respond to consumers. They should be shut down as a company until they can follow laws.Business Response
Date: 08/22/2025
Dear ********* ****:
**** **** & Associates,Inc. takes all claims seriously and we conduct a thorough, case-by-case review of each matter.
In response to your correspondence, we mailed you the requested documentation but unfortunately we used the address we had on file in **************, **. We are now resending our response to the following address: ***********************************************************************************************************************************
We apologize for the inconvenience.
If you have any further questions, please feel free to contact me directly at ****************************.
Sincerely,
******* A. ******, ****
General Counsel / Chief Compliance Officer
**** **** & Associates,Inc.Customer Answer
Date: 08/22/2025
Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered.
[You must provide details of why you are not satisfied with this resolution. If you do not enter a reason for your rejection, your complaint will be closed as Answered.]
Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
FAQ
Regards,*********
Initial Complaint
Date:07/22/2025
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.
I am requesting the immediate deletion of the charged-off Navy ******************** account and all associated derogatory payment history from all three major credit bureaus (Experian, Equifax, and **********).This account was reported as charged off while I was on federally funded Title 32 orders under 32 USC 502(f)(2)(A) and Executive Order *****A (COVID-19), which qualifies me for protection under the Servicemembers Civil Relief Act (SCRA).The reporting of negative information during this time violates SCRA protections and is materially affecting my credit, ability to obtain housing, and access to credit. I request full deletion of the tradeline and written confirmation that the account will not be pursued for further collection.Business Response
Date: 07/31/2025
Dear **** ****:
We are writing in response to your correspondence submitted to the Better Business Bureau (BBB) regarding our communications relating to your past due account placed with our office by ************************* (****).
At **** **** & Associates,Inc., we take all concerns seriously and carefully review each case on an individual basis. Please note that your account is no longer with our office.Therefore, please direct all future communications directly to Navy ********************.
Sincerely,
******* A. ******, ****
General Counsel / Chief Compliance Officer
**** **** & Associates*****Initial Complaint
Date:06/26/2025
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 formally requesting that this collection account be removed from my credit report for the following reasoms:The reporting of this account is causing undue harm to my credit profile and affecting my ability to obtain essential *********** is my good faith request that ** ***************************** remove this account from all credit reporting agencies (Experian, Equifax, **********) to resolve this issue amicably. I prefer to handle this without legal escalation but reserve my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.I appreciate your assistance in facilitating a fair resolution to this matter.Business Response
Date: 07/03/2025
Dear ***** ******:
We are writing in response to your correspondence submitted to the Better Business Bureau (BBB) regarding the account placed with our office by *******************Please be assured that at **** **** & Associates, **** we take all claims seriously and review each matter thoroughly on a case-by-case basis.
Please be advised that after contacting our client and a thorough review, we have confirmed that the account in question is valid, remains unpaid, and is being reported accurately. As a licensed collection agency, we are permitted under the Fair Credit Reporting Act (FCRA) to report accurate and verifiable information to the credit reporting agencies, including ********,*******, and ***********
We understand your concerns regarding the impact on your credit profile. However, we are obligated to report factual account information as required by our client. At this time, the account will remain on your credit file as a valid and outstanding obligation. Should you have documentation or additional information that may affect the status of this account, we welcome the opportunity to review it. Our goal is to ensure all reporting is fair, accurate, and in compliance with applicable laws. If you have any further questions or need additional assistance,please dont hesitate to contact me directly at ****************************.
Sincerely,
******* A. ******, ****
General Counsel / Chief Compliance Officer
******** & Associates******Initial Complaint
Date:06/22/2025
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.
This concerns an inquiry on my credit report. I have no business association or contracts with this company. This appeared after multiple data breaches and I want this investigated and resolved with compensation.Business Response
Date: 06/24/2025
Dear ****** *******:
We are writing in response to your correspondence submitted to the Better Business Bureau (BBB) regarding the account placed with our office by ***************************. Please be assured that at **** **** & Associates, **** we take all claims seriously and review each matter thoroughly on a case-by-case basis.
We have notified our client, ****************************, of your complaint and are attaching the proof of debt they provided for your reference.
If you have any further questions or need additional assistance,please dont hesitate to contact me directly at ****************************.
Sincerely,
******* A. ******, ****
General Counsel / Chief Compliance Officer - ******** & Associates******Initial Complaint
Date:05/14/2025
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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report.The account that Ive noticed appears to be a third party collection agency, that I do not recall doing any kind of business with. I have no knowledge of signing any contracts with this company that I have listed. The following company have not been able to produce any contracts that I have signed with them. This company has illegally obtain my personal information without my knowledge or consent. Please remove the accounts from my report, as they are hurting my ability to obtain credit.Business Response
Date: 05/21/2025
Dear ******** *********:
We received your correspondence submitted to the Better Business Bureau regarding our communications about the account placed with our office by ******************. Please be assured that at **** **** & Associates, **** we take all claims seriously and review each matter thoroughly on a case-by-case basis.
We have notified ****************** of your dispute, and we are here attaching the proof of debt provided by them.
Please dont hesitate to contact me at ****************** if you have further questions.
******* A. ******, ****
General Counsel / Chief Compliance Officer
******** & Associates******Customer Answer
Date: 05/21/2025
Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered.
[I must say that I am not satisfied with the response being that I have never given permission to FH& **** to have any of my personal information. I have never signed any contracts with the company nor have I ever spoken to the company. The company has obtained my information illegally rather that be from ****************** or any company, I have never done any business with FH & **** and the item should be removed under ****.]
Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
FAQ
Regards,Lonnisha
Business Response
Date: 06/27/2025
Dear ******** *********,
**** **** & Associates is a licensed collection agency.We received your information from ****************** who permissibly placed your account with our offices for collection of an outstanding balance.
Best Regards,**** **** & Associates, Inc.
Customer Answer
Date: 06/30/2025
Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as ************************************** in question that I am filing this complaint against is a company that I never done business with, therefore this company should not have any of my personal information. The company is a third party collection agency and obtained my information illegally per. 15 US Code 1681. With this I am a victim of identity theft with the responsible party being the company who is listed in this complaint. I stand firm that I have never done any business with this company and they should not be reporting to my credit report illegally. I request that this company submit documents that I have done business with them directly. I would like documentation of proof that they have obtained my signature legally by me, records that they have spoken to me and information that they have given me far as their company. This company is illegal fraudulently reporting negatively to my credit report and shouldnt be, they have no contract with me and by law a third party should not have my information.
Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
FAQ
Regards,Lonnisha
F.H. Cann & Associates, Inc. is BBB Accredited.
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