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Business Profile

Collections Agencies

Security Credit Systems Inc

This business is NOT BBB Accredited.

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Complaints

Customer Complaints Summary

  • 33 total complaints in the last 3 years.
  • 5 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

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.

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Complaint status

Complaint type

  • Initial Complaint

    Date:02/20/2024

    Type:Billing Issues
    Status:
    Answered
    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 company continously harasses me and family members, claiming I owe a debt. I don't owe a debt. They have sent me nothing except threats with no actual evidence of debt. My records show nothing. The lengths they are going to to call my friends and family is very concerning. I just want them to stop harassing me and others

    Business Response

    Date: 03/01/2024

    Security Credit Systems Inc. received an account in collections for Ms. ******* on 5/18/23 and we sent letters and left several phone messages and received no response from Ms. ******.  In an effort to try to locate contact information we used skip-tracing efforts to try to insure we had the correct contact information.  The contacts were made in an effort to find contact information only and we did not at any time reveal any information on what we were calling about.  Ms. ****** has an account in collections for *** ******* ******** ********* in the amount of $7,434.93.  This is an institutional loan which was used to pay a portion of her tuition with the school.  Because Ms. ****** never responded to our letters and phone inquiries we were never asked to confirm the verification of debt.  I will send Ms. ****** a copy of her itemized bill which shows the tuition charges and the institutional loan being applied to a portion of her school tuition.  I am also sending Ms. ****** a copy of her student enrollment agreement.  I will also send Mr. ****** a copy of the **** summary sheet which is the billing service which handles her loan.  We will be happy to have Ms. ****** contact us and we can also help her to resolve this debt. Mary Ann R*****   Compliance Officer 

  • Initial Complaint

    Date:02/16/2024

    Type:Billing Issues
    Status:
    Resolved
    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.
    They have been calling my phone number for months at all hours of the day leaving a message for "Ben", there is no one at this number with that name, yet they continue to call almost daily.

    Business Response

    Date: 02/26/2024

    We have Ms. ******* phone number listed as a good phone contact for another individual in our system.  We have removed this phone number from our system and Ms. ****** will not be contacted on this account again.  We are very sorry for any inconvenience that we have caused.

    Mary Ann R*****   Compliance Officer

     

    Customer Answer

    Date: 02/26/2024

    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. 



    Regards,



    ******** ******








  • Initial Complaint

    Date:02/13/2024

    Type:Billing Issues
    Status:
    Answered
    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 received multiple phone calls from Mr. L*****. He has also started calling all of my family and ex husband as well . He needs to stop . He says I owe money to them on behalf of someone else. I will only say it one more time, send me the bill . I do not pay random people via phone. You are ordered to discontinue your contact with anyone but myself, and your phone calls to me are to be once a week, after you have mailed said itemized receipt and contract agreements.

    Business Response

    Date: 02/19/2024

    Security Credit Systems received an account in collections for Rachael  Delarosa on 10/28/22 from Wayland Baptist University.  We had spoken to ******* ******* on 11/14/22 and the consumer asked for a couple of weeks time to come up with the funds to pay the debt but the consumer never did pay the debt and was not returning our calls or responding to our mail.  In 12/2022 the consumer advised us that a debt relief company would be contacting us to start a payment plan to resolve this debt but we never did get a call from a debt relief company and again the consumer did not contact us or respond to our calls and mail.  We lost contact with the consumer and we skip traced to try to locate the consumer and this is why relatives may have received some calls.  The calls were made only for location information and we never gave out any confidential information to anyone we called.  In reviewing our records the consumer never asked for any verification of debt.  The consumer did seem to know that this debt was owed.  I will be sending the consumer a detailed copy of the itemized bill and a copy of the signed agreement with our client ******* ******* **********.  

    Mary Ann R*****    Compliance Officer

     

  • Initial Complaint

    Date:02/11/2024

    Type:Billing Issues
    Status:
    Answered
    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.
    We received an unsolicited phone call from this business. We are on the national nocall list. We do not know anything about this company, we have never done business with them, and we do not wish to be contacted again by this company.

    Business Response

    Date: 02/14/2024

    Security Credit had the phone number of ************ listed for another consumer in our files.  We have removed this phone number from our system and ******** and ****** *****o will not be called again.  We are sorry for any inconvenience this has caused.

     

    Mary Ann R***** Compliance Officer

  • Initial Complaint

    Date:02/08/2024

    Type:Billing Issues
    Status:
    Resolved
    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 business is claiming I owe a debt and won't stop calling my parents or my husband. No bill or proof of owing a debt has been mailed or anything. I have no knowledge of any debt being owed. They have not made contact with me but have contacted everyone else regarding this so called debt. They don't even have the correct name.

    Business Response

    Date: 02/09/2024

    The account in question for ******* ****** just came into collections from *******  ********* College and we sent the first notice to Ms. ****** on 2/8/24 and this notice includes all the State disclosures required.  This debt is a tuition balance due incurred for the Spring 2023 school term.  I am sending Ms. ****** a copy of her itemized bill and her signed agreement today and if she has any questions she can call Security Credit Systems and we will be happy to help her resolve this debt. 

    Mary Ann R*****   Compliance Officer

    Customer Answer

    Date: 02/09/2024

    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. I will be paying the balance owed within the month. Any calls should go to me not my husband or parents further out please. 

    Regards,

    ******* ******


  • Initial Complaint

    Date:01/28/2024

    Type:Service or Repair Issues
    Status:
    Answered
    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 ************** ******* T1 . I do not have a contract with Security Credit Systems inc. they did not provide me with the original contract as requested.

    Customer Answer

    Date: 02/05/2024

    This letter was sent to the aforementioned address last year and received no response. I demand this account be removed from my credit report immediately.

    Business Response

    Date: 02/21/2024

    We received an account in collections for Ms. ********** on 1/5/21 from ************** *******.  We have sent numerous mailings to Ms. ********** and we have not received any replies.  We also called Ms. ********** and left numerous phone messages and have had no response.  Ms. ********** has never contacted us nor has she requested the original contract as she has stated in her complaint.  We have the same mailing address as Ms. ********** has given to BBB so I assume she has been getting our letters and calls.  I will be sending Ms. ********** an itemized bill and also a copy of her Undergraduate Declaration/Change Of Program, Minor for her review and as verification of debt.  This is a valid debt.  Ms. ********** can feel free to contact us and we will be happy to help her resolve this debt.  

     

    Mary Ann R***** Compliance Officer

  • Initial Complaint

    Date:01/25/2024

    Type:Billing Issues
    Status:
    Answered
    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 this has nothing to do with me. I want this off the relevant credit reports. This person was very threatening in his message trying to intimidate and scare me as well as, I’m sure, countless other people. Stop threatening people.

    Business Response

    Date: 01/26/2024

    We do not have any account in our data base under the name of ***** ****.  I do believe we have an incorrect phone number listed under the account in our system.  We have removed the phone number from our system and ***** **** will not get any calls from Security Credit Systems Inc.   Also, since the account we had was for a different individual we have not reported anything to the credit reporting bureaus for ***** ****. I hope this has resolved the issue.  If you have any other questions please feel free to contact me again. Sincerely,   Mary *** ****** Compliance Officer 

  • Initial Complaint

    Date:12/07/2023

    Type:Billing Issues
    Status:
    Answered
    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 don’t have a debt or anything i literally just became an adult a few months ago PLEASE STOP calling my phone

    Business Response

    Date: 12/08/2023

    We had this phone number listed on an account for a different individual in our system.  We have now deleted this phone number from our data base and Mr. ******* should no longer get any phone calls on this account.  We are sorry for any inconvenience we have caused.  Thank You   Mary Ann R***** Compliance Officer

  • Initial Complaint

    Date:10/08/2023

    Type:Billing Issues
    Status:
    Answered
    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 received a notice that I have a collection from
    SECURITY CRD on my credit
    report. It says it was opened on 03/30/2018 for $0.00 with account number
    starting in ******* that I am not aware of nor am I responsible for. I
    never went into business with this company or signed any agreements with
    them so they should not be reporting anything on my credit. This is a violation of
    my rights as a consumer according to the FCRA and FDCPA.
    I would like for this collection to be removed ASAP or I will file a CFPB and FTC
    report.

    Business Response

    Date: 10/10/2023

    It shows 0.00 balance because it was paid in full. Security Credit is a collection agency for the school **** ***** *********** We have requested removal of the account from the bureau.

  • Initial Complaint

    Date:08/15/2023

    Type:Billing Issues
    Status:
    Answered
    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'm writing to complain about the unfavorable entries you made in my credit report. If I owned this debt and had proof that it belonged to me, I would be willing to accept it, but because I don't, there is no way you can authenticate it. I want to hold your company legally and criminally accountable because it took them longer than 30 days to reply to my letter that I mailed to you. They are aware of the numerous laws they have broken. Please be aware that this is NOT a request for "partial" validation; rather, I am asking for EVERYTHING specified in my letter order to be sufficient to establish full validation of this obligation.

    Business Response

    Date: 08/17/2023

    We do not show receiving the certified mail. We will respond in the next 5 business days. We DO NOT own the debt. We are a third party agency. We will remove this from his credit report and put the account on hold pending investigation.  SCS Staff

Security Credit Systems Inc is NOT a BBB Accredited Business.

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