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Business Profile

Collections Agencies

Commercial Acceptance Company

This business is NOT BBB Accredited.

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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: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.

  • Initial Complaint

    Date:01/01/2025

    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 reliable for the debt with Villages Of ***************, I do not have a contract with Commercial Acceptance. They did not provide me with the original contract as I requested.

    Business Response

    Date: 01/13/2025

    We have sent the verification to the address on file and have listed the dispute to the ************************** The consumer may contact our office directly with any further questions and or concerns.

  • Initial Complaint

    Date:10/30/2024

    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.
    My phone was off for the last year. I had the text now number. They tried to say that I refused to pay which I didnt. I just was never aware of my bill I had to pay. The lady was really rude Talking to me. and Told me she was basically sending the review back as refused to pay. But I didnt refuse anything. I recently got a job at ****** and will be making payment they never asked me about a payment plan or anything. I tried to set one up on the phone and the lady got smart and hung up.

    Business Response

    Date: 11/06/2024

    The consumer had actually spoken to several representatives and did discuss arrangements. The consumer was supposed to call back to set up, but we have not heard back as of yet.

  • Initial Complaint

    Date:10/24/2024

    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 do not have a contract with this collection agency.They have not sent me original contract with my signature and have not showed me proof they can collect on the debt.

    Business Response

    Date: 11/06/2024

    Verification had been sent to the consumer on 6/4/24 per their request and have spoken to the consumer on several occasions regarding the matter. We have also listed the account as disputed to the credit reporting agencies as we are required to do per *****.

  • Initial Complaint

    Date:10/24/2024

    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.
    This involves A bill from Pennsylvania ambulance from 2022.I have federal ********** blue shield high option insurance that covers ambulance. I never received any sort of bill or notice from Pennsylvania Ambulance that there was an issue with the bill. I started receiving harassing phone calls from Commercial Acceptance Company, the woman on the phone refuses to allow me to speak she laughs at me and threatens that she will ruin my credit. I try to tell them that I have insurance but she just taunts me telling me she is just going to tell Pennsylvania Ambulance that I don't feel like they deserve to be paid. I pay insurance premiums to cover these kind of expenses. I feel like this woman is trying to extort money from me.

    Business Response

    Date: 10/24/2024

    We have reviewed the call recording; the representative was very professional and did not say anything that is listed in this complaint. The representative was trying to explain that it is past timely filing to bill insurance at this point. The consumer was very upset and ended the call. If the consumer wishes to discuss further, they may contact our office directly and speak to a member of management.  

  • Initial Complaint

    Date:09/29/2024

    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.
    Dear ******* *******

    I am writing to follow up on my complaint against Commercial Acceptance Company. regarding a debt that I believe is incorrect or has been reported to my credit report without proper notice.

    I have not received any communication from Commercial Acceptance Company. prior to the debt being reported to my credit report.

    I am requesting that the BBB investigate this matter further and take appropriate action to protect my rights as a consumer.

    I believe that Commercial Acceptance Company. may have violated the Fair Debt Collection Practices Act (FDCPA) by not providing me with proper notice and documentation.

    Thank you for your attention to this matter.

    Sincerely,

    ****** *****

    Customer Answer

    Date: 09/30/2024

    Dear ******* *******
    I apologize for the misunderstanding. I meant to say that I have no contract with this company neither owe any money and have never received any communication from them.
    I've attached a screenshot of my credit report showing the information about Commercial Acceptance Company. 
    I don't have any proof of requesting anything because I was unaware of this debt until I checked my credit report. I believe I do not owe any money to Commercial Acceptance Company 
    Sincerely,
    ****** *****

    Business Response

    Date: 10/07/2024

    We had mailed correspondence to the consumer on 10/13/23. We have also just mailed verification out to the same address that is on file which is the same address listed in this complaint. The consumer may contact us directly to discuss further. We have updated the credit reporting agencies of the dispute.

    Customer Answer

    Date: 10/07/2024

    [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: 22355039


    I am rejecting this response because:

    Dear *******

    Thank you for your continued assistance with my complaint against Commercial Acceptance Company.

    While this company claims to have sent correspondence on October 13, 2023, I have not received any communication from them. I have carefully reviewed my mail and have not found any correspondence from Commercial Acceptance Company.

     

    I request that the BBB investigate this matter further and ask the debt collector to provide proof of the correspondence they sent.

     

    Thank you for your continued attention to this matter.

    Regards,

    ****** *****








    Customer Answer

    Date: 10/17/2024

    Thank you for your continued assistance with my complaint against Commercial Acceptance Company.

    I have not received any verification from Commercial Acceptance Company at the address listed in my complaint. I have no record of receiving any correspondence from them at all.

    Additionally, I would like to reiterate that I do not owe any money to Commercial Acceptance Company, I don't have any contract or agreement with them.

    Thank you for your continued attention to this matter.

    ****** *****

     

    Business Response

    Date: 10/18/2024

    We sent out the verification on 10/7/24 to the address listed in this complaint. We have listed the dispute with the credit reporting agencies. The consumer may contact us directly to discuss further.

    Customer Answer

    Date: 10/19/2024

    [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: 22355039

    I am rejecting this response because:

    I would like to reiterate that I have no dealings with Commercial Acceptance Company. I have not signed any contracts or agreements with them.

    I will not be contacting Commercial Acceptance Company because there is no valid basis or proof for their claim.


    Regards,

    ****** *****








  • Initial Complaint

    Date:09/27/2024

    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 THE ******* FIRM LLC, I do not have a contract with COMMERCIAL ACCEPTANC, they did not provide me with the original contract as i requested.

    Business Response

    Date: 09/30/2024

    We have already sent the consumer verification of the debt and have listed the dispute with the credit reporting agencies. The consumer may provide proof that balance is not owed or contact us directly to discuss.

  • Initial Complaint

    Date:09/06/2024

    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.
    [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: 22249166

    I am rejecting this response because: This still does not give authority to report.


    Regards,

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








    Business Response

    Date: 09/07/2024

    We have marked the account as disputed with the credit reporting agencies and we are sending out all verification to the address on file which is the same address listed in this complaint.

    Business Response

    Date: 09/16/2024

    We have updated the credit bureaus as disputed and have sent verification as we are required to do by law. The consumer may contact us directly for resolution.

    Customer Answer

    Date: 09/17/2024

    [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: 22249166

    I am rejecting this response because: this should have been taken care of before my info was reported


    Regards,

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








Commercial Acceptance Company is NOT a BBB Accredited Business.

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