We use cookies to give users the best content and online experience. By clicking “Accept All Cookies”, you agree to allow us to use all cookies. Visit our Privacy Policy to learn more.

Manage Cookies
Resources for Businesses My BBB
Share
Business Profile

Collections Agencies

Commercial Acceptance Company

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Collections Agencies.

Complaints

Customer Complaints Summary

  • 88 total complaints in the last 3 years.
  • 30 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.

Sort by

Complaint status

Complaint type

  • Initial Complaint

    Date:01/19/2024

    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'm not liable for this debt with : ******** **** *** ********.I do not have a contract with the collection agency : COMERCIAL ACCEPTANCE COMPANY. They did not provide me with the original contract, neither from ******** **** *** ******** nor with any contract they have with my signature as I requested

    Business Response

    Date: 01/30/2024

    Per consumer's request, we had sent out the verification to the address provided to us in May of 2023. We have listed the account as disputed to the credit reporting agencies.

  • Initial Complaint

    Date:12/18/2023

    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.
    I have no current valid contract with this company and not sure how or why they have my private personal information and sharing it to a non affiliated third party. Dispute was submitted to Experian in November and was allegedly verified by this company with no proof provided of how this alleged account was verified. I'm sure this company is aware of the provisions of the Fair Debt Collection Practices Act (FDCPA), and I am requesting verification of this alleged debt. I am requesting proof that I am indeed the person obligated to pay this alleged debt to assure this is not a identity theft issue since these type of issues have been on the rise, and I want to ensure there is contractual obligation and Law which is binding myself to pay this alleged debt. I am requesting the information below to fully verify this alleged account and the accuracy and completeness of what is being reported to the credit reporting agencies. I am requesting to see to review regarding this alleged debt:- Complete payment history from beginning to end for this alleged debt - Agreement that bears my signature where I agreed to pay this alleged debt - Master Bill of Sale or assignment from the original creditor to your company including all terms and conditions. - Documentation showing where I gave my written consent to have my private information shared with a non affiliated third party - Intimate knowledge of the creation of this alleged debt by you, the collection agency.

    Business Response

    Date: 12/20/2023

    A request has been made to the credit reporting agencies for deletion of the account.

    Customer Answer

    Date: 12/21/2023

    [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

    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:12/16/2023

    Type:Order 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.
    Commercial acceptance company has made an illegal report on my consumer report, I did not enter into any agreement with this company for such matters.

    Customer Answer

    Date: 12/19/2023

    The creditor is commercial acceptance company. it shows ********** properties also

    Business Response

    Date: 12/27/2023

     We have mailed out a copy of the itemized charges and signed contract to the address listed in this complaint. We have also listed this as disputed with the credit reporting agencies.

    Customer Answer

    Date: 12/27/2023

    [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]

     Complaint: ********

    I am rejecting this response because:

    I have no legal obligation to commercial acceptance company nor have agreed to any debt obligation to pay commercial acceptance company. 

    Regards,

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

    Customer Answer

    Date: 12/27/2023

    Commercial acceptance company has invaded my right to privacy pursuant to 15 USC 1681 section 602

    15 USC 6802 (a)

    15 USC 1681 subsection 23

    I demand this account be removed from my consumer report, also I demand COMMERCIAL ACCEPTANCE COMPANY to stop contacting me through any channel.

    Business Response

    Date: 01/02/2024

    We have already sent out the verification, but we have now listed the account as cease and desist and per your request will no longer contact you in any way.

  • Initial Complaint

    Date:12/16/2023

    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 was left a vague voicemail with no information provided. I looked up the number and saw a company I have no association with or obligation to as well as a completely unprofessional presentation. I returned the call and requested information and was immediately disrespected. I stated that neither I or my family is to be contacted or I would have to take legal action. After which I was told very loudly and repeatedly “Do it. Then do it. Do it.” Continuing to talk over me as I was talking. As the law states: 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. My counsel has been notified and I will be reporting both the collection agency and person that threatened me and acted so outrageously on the phone. If any associates, family members or myself is contacted again I will be launching an investigation and criminal complain. The debt is not valid and collection needs to be removed.

    Business Response

    Date: 12/20/2023

    We are attempting to locate the owner or operator of **** of ******* ************. The phone number and address listed on this complaint match what we have in our system. FDCPA and Regulation F laws do not apply to the collection of corporate debt or to debt owed for businesses. If this individual is the owner or operator of **** of ******* ************, please contact us to directly to discuss this matter.

  • Initial Complaint

    Date:12/12/2023

    Type:Sales and Advertising 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 company called me, refused to say who they were only that the agent name is *****. She asked if I was (persons name) and immediately started spouting off all of that persons information, address and everything. I said I am not that person and she laughed and hung up. Outrageous that this company is blurting out peoples information without even confirming who they are talking to. And even more outrageous they hang up and laugh when you say its not you.

    Business Response

    Date: 12/20/2023

     The phone number on file will no longer be called, it has been removed from our system.

    Customer Answer

    Date: 12/20/2023

    [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

    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.  Action should be taken against the employees however.

    Regards,

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

  • Initial Complaint

    Date:11/28/2023

    Type:Delivery 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.
    On 11/28/23 received a call from ************ identifying herself as "*****" but refusing to provide the company name & nature of the call. However upon calling the number back I reached the voicemail of *************************. The caller was extremely rude for the duration of the call, divulged my full name, address, date of birth, & full social security number without confirming whom she was speaking with while continuing to refuse to provide the nature of the call & the company she was representing claiming it was sensitive information as well as failed to inform me I was on a recorded line until I asked.

    Business Response

    Date: 12/08/2023

    Due to the nature of our business, we cannot divulge what we are calling in reference to without verifying that we are speaking to the correct party.

  • Initial Complaint

    Date:11/12/2023

    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.
    Received a letter from commercial acceptance on Feb 21 2023 addressed to my minor son as well as a call on February 22nd for my son who is a minor. The letter was in clear violation of the fdcpa as well as collection was less than a year old placed on credit report with all Three credit bureaus. A letter which is attached was sent certified mail back in February of this year with no response from the company. Only response was to report account in error.

    Business Response

    Date: 11/19/2023

    The letter we had received in February 2023 was a cease communication request, which we have adhered to per consumer's request. We have also updated our system and the credit reporting agencies as we are required to do by federal law.

    Customer Answer

    Date: 11/20/2023

    [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]

     Complaint: ********

    I am rejecting this response because:
    This is in clear violation of the FDCPA as when the letter and call were made where asking for my 4 year old son. The letter also clearly stated that if any adverse information be placed on my credit reports as a result of the notice that appropriate actions will be taken. 

    Regards,

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

    Business Response

    Date: 11/21/2023

     The information was placed in our office under the minor's name but at that point we had no way of knowing the consumer was a minor. Once we found out we updated our system to the parent's information.

    Customer Answer

    Date: 11/22/2023

    [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]

     Complaint: ********

    I am rejecting this response because:
    We received 3 notices in my son's name nothing was corrected to my name. Therefore the letters violated the FDCPA and again this needs to be removed

    Regards,

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








    Business Response

    Date: 11/30/2023

    The request has been sent to the credit reporting agencies for deletion.

    Customer Answer

    Date: 11/30/2023

    [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

    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:10/29/2023

    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 **** *********** and out, I do not have a contract with **** *********** and out they did not provide the original contract as I requested

    Customer Answer

    Date: 10/30/2023

    On 04/19/2023 I received a phone call from *********** regarding this account I asked the representative to send verification of the original contract and I recieved nothing. She wouldnt even give me information over the phone 

    Business Response

    Date: 10/30/2023

    We will be sending out the verification requested to the address on file. 

  • Initial Complaint

    Date:10/27/2023

    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.
    Credit report states that I owe $1,190 to ************************* for services on March 22, 2019. I did not require or receive medical attention from an ambulance on or near that date.

    Business Response

    Date: 10/30/2023

    The account has been closed and a request for deletion has been made to the credit reporting agencies.

  • Initial Complaint

    Date:10/25/2023

    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 recieved a phone call from ********** they asked to speak to me I asked whos calling the lady continued to say is this ********************* gave my address date of birth and said I spoke to you a couple months ago never told me who she was calling in regards to but if I wasn't that person they are referring to she just gave my information to them and I said that to her she said ok you have a good day and hung up I ******* the phone number that's how I know the name of the company

    Business Response

    Date: 10/25/2023

    We will no longer attempt to make contact and have updated the credit reporting agencies accordingly.

    Customer Answer

    Date: 10/25/2023

    I need to know exactly what they mean they will update my credit report what are they gonna update it to 

    Business Response

    Date: 10/26/2023

    We have listed the account as disputed.

    Customer Answer

    Date: 10/26/2023

    [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]

     Complaint: ********

    I am rejecting this response because:
    They said they would update my credit report as it being disputed I am not ok with the person calling me And giving my information without myself confirming it was me anyone could of been on the phone she was just saying my information and then said have a nice day this could be a very big lawsuit against the company for the way they handled the call and told my personal information 

    Regards,

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

    Business Response

    Date: 10/30/2023

    We will no longer make any attempts to contact the consumer, a cease and desist has been listed on the record.

    Customer Answer

    Date: 10/30/2023

    Cease and desist letter on my credit report is not acceptable when they basically gave my information out over the phone not knowing who it was I want zero balance and permanent removal from my credit and no action from anyone else about this debt also would like a training for the staff at the outside collection agency on how to handle proper communication and not give personal information now I am concerned about identity theft and scams with my account also its still showing high negative impact on my credit as of today 

    Customer Answer

    Date: 11/07/2023

    What are my options here they violated confidentiality and they agreed to not contact me but they also cease on my credit report I am disputing it as well 

Commercial Acceptance Company is NOT a BBB Accredited Business.

To become accredited, a business must agree to BBB Standards for Trust and pass BBB's vetting process.

Why choose a BBB Accredited Business?

BBB Business Profiles may not be reproduced for sales or promotional purposes.

BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

BBB Business Profiles generally cover a three-year reporting period, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.

As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.