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Business Profile

Collections Agencies

Commercial Acceptance Company

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Collections Agencies.

Complaints

Customer Complaints Summary

  • 91 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.

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Complaint status

Complaint type

  • Initial Complaint

    Date:04/28/2025

    Type:Order 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 a hospital bill I am currently paying off with evidence of my payments. The Commercial Acceptance Company has mailed me a final notice letter demanding the full price of the bill Im already paying off. I have no association with this group and have never heard of them until this letter came. I dont know how they got my information.

    Business Response

    Date: 04/29/2025

    The account has been closed by our client and no longer active in our office.

    Customer Answer

    Date: 04/29/2025

    [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:04/25/2025

    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.
    Unsolicited contact by this business. No recurring debt to my knowledge. **************** provided informed me I owed $75 in co-pays which had been paid on 4/1/2025 and verified that what is being claimed by this business was covered within my health insurance plan. Evidence of payment to the health provider included in complaint.

    Business Response

    Date: 05/07/2025

    We have investigated the dispute and found balance remains due in full. We can send verification to the consumer if they would like. We will stop any further communication per consumers request. The consumer can contact our office directly with an questions and or concerns.

  • Initial Complaint

    Date:04/02/2025

    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.
    Iam not liable for this debt with Members first credit union I do not have a contract with COMMERCIAL ACCEPTANCE COMPANY They have failed to provide me with the original contract I requested

    Business Response

    Date: 04/04/2025

    We have sent verification to the address on file and listed the dispute to the credit reporting agencies. The consumer may contact us directly to discuss further.

    Customer Answer

    Date: 04/04/2025

    [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: 23153841

    I am rejecting this response because:

    you are a third party i have never gave you my information to even do a contract wich is a vilation of my rights my next step is law suit
    Regards,

    Kvaughn *****








    Business Response

    Date: 04/11/2025

    We have sent the verification to the consumer on April 4, 2025 to the address on file. They may contact us directly to discuss further.

    Customer Answer

    Date: 04/14/2025

    once again  i did not enter into any contract with your company please provide proff here or remove my next step i will file a lawsuit

  • Initial Complaint

    Date:04/02/2025

    Type:Customer Service 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 ********************. I do not have a contract with the collection agency, Commercial Acceptance *** They did provide me with the original contract as requested.

    Business Response

    Date: 04/03/2025

    We listed the account as disputed and have sent the original signed contract to the address that we have on file. The consumer may contact us directly to discuss further.

    Customer Answer

    Date: 04/04/2025

    [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: 23152468

    I am rejecting this response because: I have not received a physically signed contract with any debt collector. Please provide written documentation of my physical signature with your collection agency. If not, I demand that this be removed from my credit report as I am not contractually liable for any debt with this agency. Thank you 


    Regards,

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








    Business Response

    Date: 04/07/2025

     The documentation requested with the consumer's physical signature has been mailed out as of 4/3/25. We have listed the dispute with the credit reporting agencies as well. The consumer may contact us directly once the verification is received to discuss further.

    Customer Answer

    Date: 04/11/2025

    [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: 23152468

    I am rejecting this response because: I was not provided a contract with myself and Commercial Acceptance Company. Again, please provide a contract between myself and CAC or delete this off of my credit report.


    Regards,

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








  • Initial Complaint

    Date:04/01/2025

    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.
    4/1/25 at 8 am received a call asking for my minor child. I confirmed I was the parent. They proceed to say my birthday and name without even disclosing who is calling me. Why would I confirm such information when I have no idea who is calling? They state they are calling regards to $200 I owe for a hospital bill for my daughter. He says "well this account is a year old and the client wants a resolution so do you have a credit card or family that can pay? It needs to be resolved today." Why would anyone charge (and put into more debt) just to pay a mere $200? I stated no, I don't. He let out a slight giggle and said well can you do a payment plan then? I stated I would need to talk to my spouse. Unprofessional, especially when bringing up family which he has no idea about the relationship a person has. Extremely pushy and inconsiderate calling at such an early time.

    Business Response

    Date: 04/11/2025

    We will no longer contact the consumer per their request.

    Customer Answer

    Date: 04/11/2025

    [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:03/26/2025

    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.
    I am not liable for this debt and I do not have a contract with COML ACCEPT plus they did not provide me with the original application like I asked.Account No: ****** Amount Disputed: 1471

    Business Response

    Date: 04/02/2025

    We have listed the account as disputed and mailed verification to the address on file.

  • Initial Complaint

    Date:03/10/2025

    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.
    This agency has is extremely rude when speaking to people, they have my direct number and continued to call people within my family to look for me. When I called back the woman on the phone was extremely rude and completely unprofessional.

    Business Response

    Date: 03/20/2025

    We were attempting to locate the consumer to discuss an important personal business matter.  We will no longer make any attempts to communicate per the consumer's request. The consumer may contact us directly to discuss further.

  • Initial Complaint

    Date:02/28/2025

    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.
    On february twenty eighth I received a call from commercial acceptand I was at work so I asked who was calling and with what business due to using my cell phone for business calls for my own profession. The representative on the phone was abusive told me I was rude fir asking her to identify the business she represents and hung up on me. This company harrassed my spouse via phone calls, all while not answering my return calls. My 3rd call was with **** she wanted to resolve the issue but she couldn't explain the prior abusive calls, I asked for her boss someone who could. The "boss" got on phone and as I started to explain my concerns she cut me off said your spouse said they don't know you. I answered of course they said that your representatives are being rude a******* She then told me she was blocking my call, did I avoid a scam or is this place your classic abusive shady debt place when they feel like abuse is their only tactic? Would like not only an apology but to my address they have on file a statement of whatever they are doing.******* ****

    Business Response

    Date: 03/12/2025

     Due to the nature of our business, we cannot disclose the reason for our call until we verify we have the correct party on the line. We have sent the verification to the address on file. The consumer may contact us directly to discuss further.

  • Initial Complaint

    Date:02/06/2025

    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.
    I am not liable for this debt with MAIN LINE CTR FOR ORAL FACI and do not have a contract with COMMERCIAL ACCEPTANCE. They do not provide me with the original application like I asked.

    Business Response

    Date: 02/10/2025

    We have sent out the verification to the address on file and have listed the dispute with the credit reporting agencies.

  • Initial Complaint

    Date:01/28/2025

    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.
    They are a debt collector. I paid my debt in full and was supposed to receive a letter saying I paid in full, as well as a receipt. I got no letter, no receipt, and they charged my card twice for the amount, taking almost $2,000 more than they should have.

    Business Response

    Date: 01/29/2025

    We did email a paid in full letter per the consumers request on 1/28/25 at 11:59am, and the email was opened on 1/28/25 at 12:43pm. I have checked our credit card portal and verified that the payment had only been processed one time. The consumer should contact their bank directly with any concerns regarding two pending transactions.  We only processed the payment once and the pending charge may be an issue at their bank. The consumer may feel free to contact our office directly to discuss.

Commercial Acceptance Company is NOT a BBB Accredited Business.

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