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

  • 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.

Sort by

Complaint status

Complaint type

  • Initial Complaint

    Date:04/24/2024

    Type:Product 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.
    Original letter converted to pdf

    Business Response

    Date: 04/30/2024

    We have sent out the verification to the address on this complaint and have listed the account as disputed to the credit reporting agencies.

    Customer Answer

    Date: 04/30/2024

    [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: 21622429

    I am rejecting this response because:I was never sent a confirmation as I originally stated never was signed a contract with them and owe them no money I demand that it be removed from my credit report as that is not accurate data 


    Regards,

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








    Business Response

    Date: 04/30/2024

     The verification has just been mailed out and the consumer may contact us directly once received to discuss.

    Customer Answer

    Date: 05/01/2024

    [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: 21622429

    I am rejecting this response because: I do not owe any debt to this company I never made any payment this account is NOT MINES 


    Regards,

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








    Business Response

    Date: 05/01/2024

    We have listed the account as disputed to the credit reporting agencies.

  • Initial Complaint

    Date:04/24/2024

    Type:Service or Repair 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.

    [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: 21619197

    I am rejecting this response because:

    This needs to be handled and taken off my report permanently. I was able to show the landlord overcharged me and I should not be paying over 6k for collections when there should have only been $1200 in collections. I need this removed now 


    Regards,

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








    Business Response

    Date: 04/30/2024

    We have just mailed out the documents requested and have listed the account as disputed to the credit reporting agencies. 

    Business Response

    Date: 05/01/2024

    We have listed the account as disputed on the credit report. The consumer may contact us directly or provide us whatever documentation she may have for us to review. 

    Customer Answer

    Date: 05/01/2024

    [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: 21619197

    I am rejecting this response because:

    There is no way to reliably submit documentation to the company to have them review it. Under PA law I was permitted to break the lease and gave more than 30 days notice, this should not have been sent to collections to begin with. I demand this is removed from my report. I have submitted documentation attached showing the emails between me and the landlord and the *** filed in DC against the abuser. 


    Regards,

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








    Business Response

    Date: 05/01/2024

    We will review the documentation that you had provided and verify with the client. This process may take up to 30 days to hear back from the client and we will let you know of the outcome of the dispute as soon as we get an answer.

    Customer Answer

    Date: 05/02/2024

    [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: 21619197

    I am rejecting this response because:
    I need this expedited due to the circumstances, this already has taken over 3 weeks to resolve. 

    Regards,

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








    Customer Answer

    Date: 05/21/2024

    ******* has been successfully cleared up, they were able to delete the disputed account from my credit. Thank you! 

  • Initial Complaint

    Date:03/13/2024

    Type:Customer Service 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.
    [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,

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

    Business Response

    Date: 03/18/2024

    We will no longer attempt to make contact with the consumer per their request. 

  • Initial Complaint

    Date:03/06/2024

    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.
    They deducted money from my checking account without my permission. I do not know how they got my account number.

    Business Response

    Date: 03/11/2024

    Per the call recording, on 2/12/24 at 5:07 pm, the consumer had provided her checking account information to set up a payment dated 3/3/24, the payment ran next business day 3/4/24. The consumer may contact us directly for any further information.

  • Initial Complaint

    Date:02/08/2024

    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.
    [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: 21264873

    I am rejecting this response because I want this account closed. I have no business with this company.
     

    Regards,

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








    Business Response

    Date: 02/13/2024

     We have removed all phone numbers, and we will no longer attempt to contact this consumer.

    Business Response

    Date: 02/13/2024

    The consumer does in fact have business with us and she may contact us directly if she would like to discuss.

    Customer Answer

    Date: 02/21/2024

    [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: 21264873

    I am rejecting this response because:
    I have no information regarding this business. I would like to see a contract with my signature saying I owe you this moment, from when, and all information pertaining to it. I will not be contacting you. You can send me physical proof of this information for my records as I have never heard of your company. Thank you. 


    Regards,

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








    Business Response

    Date: 02/23/2024

    We have mailed out verification to the address provided.

  • Initial Complaint

    Date:02/06/2024

    Type:Product 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: ********

    I am rejecting this response because: I have never received an actual bill to my current address from the date the ambulance was used up until today. One bill was sent to an old address from 2018 and since this technically was an insurance matter, it was forwarded to my sons father who is the insurance provider for our son. He carries his insurance, I do not. So although I am the primary parent and my address is where my son resides, all bills associated with insurance coverage should have gone to his father since he is the only person with access to that account. This bill should technically be in his name, not mine. However, if this is not an insurance issue, and its a primary parent issue, then since I never received a bill or any sort of noticed of an unpaid balance to my current address then this should not even be in a debt collectors hands and I should have adequate time to submit a payment and not be threatened to pay a bill I did not know about in one day. I have zero remarks against my credit and this is on the ambulance company for not having the right address even though one was provided to them. 

    Regards,

    ***************************
    hreatened over something that was out of my control and knowledge and don’t feel that I should have only 6 hours to pay such a huge bill that I was unaware wasn’t paid.

    Business Response

    Date: 02/07/2024

    The correct address has been updated in our system and the consumer may contact us directly for full and final resolution on the matter.

    Business Response

    Date: 02/13/2024

    Both parents are equally responsible in our office. If there are any other factors, that must be handled between the two parents. We will send verification to the address listed on this complaint.

    Customer Answer

    Date: 02/13/2024

    [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: ********

    I am rejecting this response because: Well the only person you held responsible was the parent who never received any bill because the correct address was never listed. You didn't hold the parent responsible whose address it went to that ignored every letter they received and never told the other parent that a notice was sent. I STILL have yet to receive the original bill from the ambulance or one from the debt collector. If my credit is ruined due to this negligence on YOUR part my lawyer will get involved. This mistake is on you and the ambulance company, not on the only responsible parent that was unaware there was an outstanding bill. I'm not responsible for your lack of proper and accurate communication. It has been a week and I have still not received anything from you and its been 7 months and I have not received anything to my address from them. Get this out of debt collections and give it back to the ambulance company or put the parents name on the bill who's address you've been sending notices to that were ignored and make him responsible for actively ignoring you.

    Regards,

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

    Business Response

    Date: 02/14/2024

    The verification was mailed out yesterday. Both parents are equally responsible. We have listed the account as disputed.

  • 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.
    [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,

    ******* ***

    plete 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.

  • 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.
    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

    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.

    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,

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

    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.

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.