Complaints

The 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:06/23/2025

  Type:Billing Issues
  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.

  On 6/17/2025, 5/16/2025 and 4/16/25
  my bank account was debited $100 from security credit SCS INC. This was not authorized as I do not have any debt account with them. As a result I’ll have to dispute the charges and change my card information. This accumulates to a $300 loss and that’s just what I’ve seen. I’m unsure if there are more charges from them on my account. Again I’ve never authorized this to be debited from my account! And am unsure of any debits that are to be paid by them. Thank you for your help with this matter:

  Business Response

  Date: 06/30/2025

  The account for Ms.***** came into collections on 10/27/14 for ******** ***** ********** in the amount of $2184.44.  She now has a balance due of $1200.00.  Ms. ***** set up a payment plan with us on 12/4/15 and she made 5 monthly payments of $100.00 each and then stopped paying.  Ms. ***** contacted us on 11/6/24 and set up more payments for $100.00 each for the months of  12/15/24 thru 6/15/26 and we have been taking this payments ever since 12/15/24.  Ms.***** knew about these payments we could not have gotten the payment information without her consent she gave us the information to take these payments and never once contacted us since we started taking the payments on 12/15/24.  Ms. ***** agreed to these payments and called us because she said she needed needed her transcripts and she could not get them without paying the bill.

   

  Mary Ann R*****  Compliance Officer

   

• Initial Complaint

  Date:03/14/2025

  Type:Billing Issues
  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.

  To Whom it may concern,
  
  This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
  
  SECURITY CREDIT SYSTEMS - ******* - $0
  
  Under the Fair Credit Reporting Act, 15 U.S.C. § 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don’t respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

  Business Response

  Date: 03/24/2025

  Security Credit Systems received the account for Mr. ***** in collections on 5/7/24.  This account is for ******* ******* ********** in the amount of $292.50.  This is a collection account listed as bad debt and our client has approved all collection accounts be reported to the credit reporting agencies.  Mr. ***** did pay the account in full on 9/18/24 and Security Credit Systems did notify all reporting agencies that the account has been paid in full.  This account should appear on Mr. *****"s credit report as a paid collection account.Security Credit will send Mr. ***** verification of this debt.Mary Ann R***** Compliance Officer                                                                                                                                                                                                                               

• Initial Complaint

  Date:03/07/2025

  Type:Billing Issues
  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 ATLANTA SCHOOL OF MASSAGE and I do not have a contract with SECURITY CREDIT SYSTEM plus they did not provide me with the original application like I asked. Account No: 35286****
  Amount Disputed: $10,131

  Customer Answer

  Date: 03/14/2025

  See attached

  Business Response

  Date: 03/26/2025

  Security Credit Systems received this account in collections on 4/25/24.  This is an account is for Atlanta School of Massage and the school turned this over to us to collect.  We  no not have signed contracts with the consumer we have signed contracts with Atlanta School of Massage.  The consumer claims we never verified this debt but we did send the consumer the itemized bill and signed agreement, which was signed with the school electronically.  We sent this paperwork on 11/24/24 and the mail was not returned so the consumer should have this paperwork.  I will resend  the itemized bill and agreement again to the consumer.

   

  thank you

  Mary Ann R***** Compliance Officer

   

• Initial Complaint

  Date:08/24/2024

  Type:Billing Issues
  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.

  To Whom It May Concern:
  
  I recently received a notice from ****** ***** indicating a collection from Security ****** Systems. I am unfamiliar with this company and would like to clarify that I have paid off all my debts years ago, except for student loans.
  
  Thank you in advance for your assistance : )

  Business Response

  Date: 09/03/2024

  We received this account into collections on 4/21/21.  The account is for *** ***** ******* in the amount of $1,731.00.  We did send the consumer numerous written letters and we never received any reply to the written letters.  We did phone the consumer numerous times but when someone did pick up the phone and our representative started talking the person hung up.  We will send the consumer a detailed itemized bill to verify this debt.  We would be happy to help the consumer resolve this debt.  When he receives the detailed itemized bill he can review the bill and call us and we would be happy to explain the charges and why he owes this debt.  We would be happy to work with him to resolve the debt.

   

  Thank You

  Mary Ann R***** Compliance Officer

• Initial Complaint

  Date:08/05/2024

  Type:Billing Issues
  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 been contacted multiple times by this agency for a debt to ****** ********** do not believe I owe. I need to be sent a verification of the debt and an itemization of the charges because they have provided no proof that I owe the debt.

  Business Response

  Date: 08/07/2024

  We received the account for Ms. ***** in collections on 4/23/24 for ****** ********** in the amount of $2,024.26.  This is a Nursing Loan and an interest bearing loan.  We are only collecting on the past due balance at this time.  The original amount due on this Nursing Loan is $13,200.00 and the amount of $2,024.26 is the past due amount at this time and the amount will continue to increase as time goes by. We sent Ms. ***** a notice of this debt on 5/3/24 which included all the state and federal disclosures required by law.and we did not get a mail return.  We have been unable to reach Ms. ***** and she never requested verification of debt.  I will mail Ms.***** the bill and her Nursing Loan promissory notes to verify the debt.  We would be happy to work with Ms. ***** to resolve this debt

   

  Mary Ann R***** Compliance Officer

   

• Initial Complaint

  Date:05/21/2024

  Type:Customer Service Issues
  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 Security Credit Systems, Inc. I do not have a contract with the collection agency attempting to collect. They did not provide me with the original contract as requested. Collector Mr. L*** threatened me and used obscene, profane and Abusive language.

  Customer Answer

  Date: 05/23/2024

  This debt was brought to my attention, February 2023. The debt appeared on my credit report with no explanation. I then start to receive disturbing phone calls from the collection agency. Threating to sue if I had not made a payment. The representative coerces me into making a payment, though i did not owe this debt. I was very frightened. Each time the representative reached out to me he became more hostile.  I reached out to an independent credit agency.  Helped me to dispute the debt and seek legal advice, in which I did. As of September 8, 2023, the debt was removed from my credit report as the agency had broken several Fair Credit Act laws. The same representative is now reaching today 5-2024 requesting for the exact same debt to be paid. Someone needs to know that this agency is harassing individuals for debt that may not belong to them. 

  Business Response

  Date: 06/03/2024

  The debt for Ms. ***** came into Security Credit Systems, Inc. on 12/10/19 for ***** ****** ***** ***** in the amount of $2,208.70.  I have audited the account & phone calls and have found we did not threaten to sue Ms. *****.There was no hostile or abusive calls and no obscene, profane or abusive language. We sent Ms. ***** the first collection notice on 12/11/19 advising about the debt along with all the State & Federal disclosures required.We received no mail returns.     Ms. ***** did do a credit bureau dispute on 11/18/21 and we sent her an itemized bill and signed agreement.  We spoke to Ms. ***** on 2/16/22 she called and wanted options on paying the debt.  We gave her a minimal payment plan and she made one payment of $250.00 on 2/22/22 and then never followed thru with the payment plan.  Ms. ***** did another credit bureau dispute on 8/23/23 and we again sent her another copy of her itemized bill and signed agreement.  We tried calling her again on 8/23/23 and she hung up the phone.,  We tried once more to call her on 5/3/24 and she claimed to have never heard about this debt and we again sent her an itemized bill and signed agreement.,  We would be happy to talk to Ms. ***** to try to resolve the debt.

   

  Mary Ann Robson  Compliance Officer

   

• Initial Complaint

  Date:04/25/2024

  Type:Billing Issues
  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 writing to clarify a misunderstanding regarding my relationship with ******* ***** ****** and the Security credit system. First, I want to assure you that I am not responsible for or affiliated with the department you mentioned. it seems there has been some confusion about my role and involvement. I do not have any contractual obligations or responsibilities with that particular department. Regarding the security credit system, I can confirm that I do not have an active contract with them. When I previously requested a copy of the original contract, IT appears that was not provided to me. I apologize for any inconvenience this may caused. My intention is to resolve this matter amicably and ensure there is no further misunderstanding . I am happy to help provide any additional information or answer any questions. Thank you sincerely ****** ****

  Business Response

  Date: 05/01/2024

  We received an account in collections for Mr. **** on 6/22/22 from ******* ******* ********** in the amount of $4,579.08.  We were unable to reach Mr. **** by phone until 3/ 6/24.  We sent numerous letters to Mr. **** but our first phone contact was on 3/6/24 and when we spoke to him he indicated that he did not care about this bill and hung up the phone.  Mr. **** never at any time asked for verification of the debt.  I am sending Mr. **** an itemized bill verifying this debt.  We would be happy to work with Mr. **** to help get this debt resolved.

   

  Mary Ann R*****   Compliance Officer

   

• Initial Complaint

  Date:03/24/2024

  Type:Billing Issues
  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 responsible for this debt with 07 ****** ********* ******* T2. I do not have a agreement with Security credit systems, Inc, they did not provide me with the original contract as I asked for.

  Customer Answer

  Date: 03/25/2024

  I do not know who 07 ****** ********* ******* T2 is nor have I ever done business with them or been lent any by this college for me to owe such debt nor do I agree to this debt on my credit report as I never signed anything with such college. 

  Business Response

  Date: 03/26/2024

  Security Credit Systems Inc. received a past due collection account for Mr. ******* on 11/11/22 for ****** ********* ******* in the amount of $4,376.40 for attending the school for the fall semester of 2020.  We spoke to Mr. ****** on 11/14/22 and Mr. ******* admitted that he attended the school but was disputing the balance due based on FAFSA issues in financial aid.  We did send Mr. ******* a copy of his bill and signed agreement on 11/14/22 and then again on 12/5/22.  We had to resend the paperwork due to a change in address.  Mr. ******* sent us a note on 12/18/23 that he was requesting that we contact our client and he asked for a settlement in full for $2,376.00 which was almost 50% off of the original amount due and our client ****** ********* ******* accepted the settlement offer as long as it was paid within 30 days.  We never heard from Mr. ******* again even though he indicated that if ****** ********* ******* accepted the settlement in full offer he would pay it immediately.  Now he is claiming  not to know who ****** ********* ******* is and claiming he never attended and he did.  He also claims Security Credit Systems did not send him verification of debt and we did twice. This is a valid debt.  We would be happy to help Mr. ******* resolve this debt.  I will again send the bill and signed agreement to Mr. ******* for his records.

   

  Mary Ann Robson   Compliance Officer

   

• Initial Complaint

  Date:03/11/2024

  Type:Billing Issues
  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 filed bankruptcy and all debts were discharged on 2/22/24. This collection agency began harassing me claiming I owe them a debt. I have not taken out any credit in over a year and all credit / debts I had were discharged in bankruptcy on 2/22/24. They are in clear violation of the FDCPA and also the TCPA by leaving a message on a cellphone and auto dialing a cell phone in the state of NY.

  Business Response

  Date: 03/13/2024

  Security Credit Systems received an account for collections for Ms. ********* for ****** ****** in the amount of $131.73 on 3/5/24.  We were never notified by the bankruptcy court or by Ms. ********* that this was included in bankruptcy.  We sent one letter and made one phone call and left a message on her phone for a return call.  One letter and one call is not a violation of the FDCPA when we had no knowledge of the bankruptcy.  It is the responsibility of the consumer to advise us that she filed bankruptcy.  Now that we know we have closed this account as bankrupt.  Ms. ********* will not be called or contacted again about this account.  Mary Ann R*****    Compliance Officer

• Initial Complaint

  Date:03/07/2024

  Type:Billing Issues
  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 was called on 3/7/24 by the business. I have not accrued any unpaid debts with any businesses. This business is predatory- I am a college student and only recently have started to build my credit, and they’re threatening me with debt I do not have.

  Business Response

  Date: 03/15/2024

  We received an account into collections for  Ms. ******* from ******* Community College in the amount of $2,750.00.  Ms. ******* attended the school for the Spring 2023 term.  We have sent letters and called Ms. ******* and we have had no reply to our letters and phone calls. This account came into collections on 2/5/24.  I will send Ms. ******* an itemized bill and signed agreement and her withdrawal form.  We would be happy to have Ms. ******* contact us and we can assist her in resolving this debt.

   

  Thank You

  \Mary Ann R***** Compliance Officer