Complaints

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.

• Initial Complaint

  Date:05/07/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  Harassing communication tactics have been used by the collection agency.

  Business Response

  Date: 05/15/2025

  Credit Management Company takes all complaints very seriously and as such has preformed a thorough investigation into ****** ************ claims.  Unfortunately, we are unable to provide a substantive response on a public facing platform, such as this.  However, we have responded to ****** directly and encourage them to contact us at ************ if we can be of further assistance.  Thank you.

• Initial Complaint

  Date:05/06/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  05/25/23 a medical incident 07/17/23 medical claim was denied by insurance (Presbyterian #**************) as bill was not sent properly, my insurance contacted the provider to let them know I was not responsible as it was their error 08/30/23 medical sent again and insurance denied again ( Pres # **************) and stated I was not responsible and sent medical company a letter stating such Medical provider still sent me to collections although they never tried to contact me. In two years time I never got a bill or any contact. My credit ***ort notified me 04/26/25 that I had a collection notice. I called Collection Management ************ to inquire. They admit I had insurance at the time and said they see I should not have been responsible for the bill but they don't care they want money.I do not owe this money and my good credit is in jeopardy.!My insurance company *** called credit company and offered to send a letter stating that this bill was never the patients obligation. They also told her (I have letter and contact information for insurance *** that they don't care they want money. How am I sent to collections for a bill that was never my responsibility.? Collections admits it was not mine to pay but they want money. I almost paid it to get it off my credit ***ort but I never owed and have not been sent communication in two years.This is unethical to send a patient to collections when the bill was never their responsibility and continues to be unethical in the hands of the collection company.

  Business Response

  Date: 05/14/2025

  Credit Management Company takes all complaints very seriously and as such has preformed a thorough investigation into **** ******** claims.  Unfortunately, we are unable to provide a substantive response on a public facing platform, such as this.  However, we have responded to **** directly and encourage them to contact us at ************ if we can be of further assistance.  Thank you.

• Initial Complaint

  Date:05/02/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  Removal of medical debt that appears on my credit report, in accordance with updated reporting rules effective March 2025.??The ************************************ (****) has issued guidance that medical debts should no longer be included in consumer credit reports. This change reflects the evolving understanding that medical debt is not a reliable indicator of creditworthiness.??

  Business Response

  Date: 05/06/2025

  Credit Management Company takes all complaints very seriously and as such has preformed a thorough investigation into ********* *********** claims.  Unfortunately, we are unable to provide a substantive response on a public facing platform, such as this.  However, we have responded to ********* directly and encourage them to contact us at ************ if we can be of further assistance.  Thank you.

• Initial Complaint

  Date:05/01/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 recently received a notification from Experian that a collection account from ******************************************* was added to my credit report. Until that moment, I had no knowledge of this debt. After contacting Collection Management directly, I spoke with a representativewhose name I unfortunately did not obtainwho informed me that they had attempted to contact me multiple times since March 6, 2025. However, I have not received any phone calls from them, and the representative acknowledged that no voicemails were ever left. He also claimed that notices were mailed to me over the past few months, but I check my mail daily and have never received any such correspondence.This alleged debt dates back to March or April of 2023. At that time, I was employed by ***** Ground Shipment at ****************************************************************. I sustained a workplace injury and was sent to *************** for evaluation. Following that appointment, I was in regular communication with ***************, ***** Human Resources, and ***************** Company over a 4-to-6-week period to ensure the claim was handled. I was later informed by ********************* that the claim had been fully resolved and paid by their insurance provider. I have received no further communication from any party regarding this matter since that time.I am formally disputing the validity of this collection entry. I have never received any verifiable communication from Collection Management via phone or mail, and based on the information above, I believe this claim to be inaccurate. I request that you investigate this matter and provide documented proof of the debt and of all attempted communications. If this cannot be substantiated, I respectfully request that this entry be removed from my credit report in accordance with the Fair Credit Reporting Act.Sincerely,**** A *****

  Business Response

  Date: 05/14/2025

  Credit Management Company takes all complaints very seriously and as such has preformed a thorough investigation into **** *****' claims.  Unfortunately, we are unable to provide a substantive response on a public facing platform, such as this.  However, we have responded to **** directly and encourage them to contact us at ************ if we can be of further assistance.  Thank you.

• Initial Complaint

  Date:05/01/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 bill from a collection agency on 3/17/25 for amount $1,168 for a DOS of 7/7/2023. There has never been a a bill received or any type of communication made to make me aware of this bill. I learned it is for an ER visit. Per CMC the collection agency, the bill is for the physician as that office was not in network for my insurance. I did some investigating to find out who is owed the money and why I have not been made aware of this bill before now. What I found was that the original creditor APP Of Tennessee ** PLLC has since permanently closed. I never received a bill from them. ******************** was who I was directed to at that point. They advised me they didn't have any info and I would have to speak to ***. My issue is that this bill was turned over to a collection agency with 0 efforts being made by APP, *******, or CMC to make me aware of this bill ever existing until the received letter on 3/17/25 almost 2 years after DOS. I disputed the bill with *** and request that they send me an itemized statement. I did not receive that letter within the 30 days timely manner. And once received it was not an itemized statement. It only listed the creditor, the **** and the amount due. The collector was aggressive and would continue to speak over me when I was trying to speak to him. Once the collector understood that I was not in agreeance with him and we was not going to settle this on that call he said goodbye and hung the phone up. His collection efforts wore aggressive with poor phone manners. I dont feel that DUE DILIGENCE was made by any of the afore mentioned companies to make me aware of this bill. Never a letter or phone call. Not until it was reported to my credit via a collection agency. I 22 years old and try my best to keep my credit good and pay my bills. But, I am unable to make that happen when I am not made aware of it. Three different companies denied me the due diligence and I shouldn't be punished for APP closing.

  Business Response

  Date: 05/03/2025

  Credit Management Company takes all complaints very seriously and as such has preformed a thorough investigation into **** ********* claims.  Unfortunately, we are unable to provide a substantive response on a public facing platform, such as this.  However, we have responded to **** directly and encourage them to contact us at ************ if we can be of further assistance.  Thank you.
  
  

• Initial Complaint

  Date:04/28/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 pulled my lexisnexis consumer report around March of 2025, on it I realized there were 3 collections with the name of credit management company. I have no unpaid debts and have received no mail or phone calls from any collection agency. I would never have known of this had I not looked at my consumer report. I have tried to call credit management company 5-10 times and Im redirected by the representatives for a ************ number to an ************ number where they ask for information and are unable to provide that i have an account with them through my. Name and address. I would like to know if there is record of an account with this business, and if so who the original debt was supposedly owed to. And I would like proof sent to me if there is no debt, so I can then forward it to lexisnexis to have the collections removed from my consumer profile.

  Business Response

  Date: 05/04/2025

  Credit Management Company takes all complaints very seriously and as such has preformed a thorough investigation into ***** ********** claims.  Unfortunately, we are unable to provide a substantive response on a public facing platform, such as this.  However, we have responded to ***** directly and encourage them to contact us at ************ if we can be of further assistance.  Thank you.

  Customer Answer

  Date: 05/05/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

  i received an email from a **** ****** of credit management company stating that I would be receiving a recipe in the mail from an original creditor, but Ive been told multiple time on the phone that their isnt any collections under my social security number. I believe the buisness has gotten the wrong ***** ********. I want this to be resolved and I want a clear answer to if I have any collections under my ssn or not. 
  
  [To assist us in bringing this matter to a close, we would like to know your view on the matter.]
  
  Regards,
  
  ***** ********

  Business Response

  Date: 05/07/2025

  Again, due to federal privacy laws, we are unfortunately unable to provide a substantive response on a public facing platform, such as this.  However, we again encourage *****  to contact us at ************ if we can be of further assistance.  Thank you.

  Customer Answer

  Date: 05/08/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  as I stated in the last rejection to the complaint. I received an email, stating that credit management company had located an account under the name ***** ******** and that they would be sending things in the mail to my address. I have called ************ several times and they have confirmed there are no accounts under my birthdate or social security number. This email is a mistake on the businesses part as I have no accounts with this buisness. I filed this complaint because these collections from this company showed on my lexisnexis report under hard inquiries, but upon checking with credit management company at ************ I have to open accounts with this ********************** and I would like my lexisnexis report to reflect that. I have filed an official complaint with ********** over this. But I wanted to let credit management company know that I have no accounts with them under my information and this is a mistake on their part and I have tried taking the steps to get this removed from my lexisnexis file as it isnt mine. 
  
  Regards,
  
  ***** ********

• Initial Complaint

  Date:04/26/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  From my Equifax credit report, I have a new collection account (Account Number: *0351*) from **********************, in the amount of $1,824 with a date of 1st Delinquency 01/21/2019. A prior Better Business Bureau (BBB) inquiry on February 02, 2024 (Complaint Number: ********), I was notified from the previously mentioned collection agency, CREDIT MANAGEMENT COMPANY, that the collection account was settled and would be closed/removed - which it was. However, the collection account now has returned.

  Business Response

  Date: 05/05/2025

  Credit Management Company takes all complaints very seriously and as such has preformed a thorough investigation into ******* ********** claims.  Unfortunately, we are unable to provide a substantive response on a public facing platform, such as this.  However, we have responded to ******* directly and encourage them to contact us at ************ if we can be of further assistance.  Thank you.

• Initial Complaint

  Date:04/25/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 contacting you to report and seek resolution regarding unauthorized and erroneous entries made by THE ****************************** and CREDIT MANAGEMENT COMPANY on my credit report. This situation has arisen following my personal information being compromised due to the widely reported ************ breach.Despite my repeated efforts to resolve this issue directly with the involved creditors, including requests for proof of any alleged contractual obligations, I have received no such documentation that validates their claims. This failure not only disregards the Fair Credit Reporting Act and the Fair Debt Collection Practices Act but also continues to impose unwarranted financial and emotional distress upon me.The inaccuracies on my credit report have not only damaged my credit score but have also caused considerable emotional stress due to the financial uncertainty and misuse of my personal information. Such negligence in handling sensitive personal data and the ensuing unscrupulous collection practices are matters of serious concern.Given these circumstances, I am urging the BBB to intervene on my behalf to rectify these inaccuracies. It is imperative that THE ****************************** and CREDIT MANAGEMENT COMPANY provide proof of debt or immediately cease their reporting of this invalid claim to the credit bureaus.I trust that the BBB will uphold its commitment to protecting consumers like myself from such unjust practices by facilitating a swift correction and ensuring that my consumer rights are not infringed upon.Thank you for your attention to this urgent matter. I look forward to your support in resolving this issue.

  Business Response

  Date: 05/04/2025

  Credit Management Company takes all complaints very seriously and as such has preformed a thorough investigation into Courage ******** claims.  Unfortunately, we are unable to provide a substantive response on a public facing platform, such as this.  However, we have responded to Courage directly and encourage them to contact us at ************ if we can be of further assistance.  Thank you.

• Initial Complaint

  Date:04/21/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 dealings with this company are as follows I have received no written or telephonic communication from them nor have I received any emails this is probably due to the fact that I do not have a contract with them and I never conducted any first-hand business with them they are attempting to collect a medical debt and as of April 3rd a placed this medical debt on my credit report in violation of the new rules that took place on March 1st of this year. I want this removed from my credit report post-haste. No direct contract with this company nor have I ever conducted personal business with them therefore they are attempting to collect a medical debt and are in violation of the rules governing the collection of medical debt. My last complaint was bounced back due to it being boiler plate language however there is no other way to phrase it then utilizing legal language I do not have a debt with this company I do not have a contractor in this company I dispute the validity of their ability to collect this debt and the existence of said debt. I think it's pretty suspicious that this company is based in the same area as you guys and I got my complaint kicked back to me. The rule ends the ability of consumer reporting agencies to include medical debt information on credit reports. I would like this removed from my credit report as this company is no longer able to place medical debt collection attempts on consumer credit reports in order to strong arm them and damage their credit.

  Business Response

  Date: 04/30/2025

  Credit Management Company takes all complaints very seriously and as such has preformed a thorough investigation into ******* ********* claims.  Unfortunately, we are unable to provide a substantive response on a public facing platform, such as this.  However, we have responded to ******* directly and encourage them to contact us at ************ if we can be of further assistance.  Thank you.
  
  

• Initial Complaint

  Date:04/19/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 as I believe it is a fraudulent debt which Credit Management Company ("CMC") cannot substantiate with any documentation because otherwise they would have provided it to me when I called. I believe that in an effort to coerce me to pay it they opened a negative credit action on me more than 6 years after the debts were alleged to have been incurred. I discovered this alleged debt for $731 to CMC via Credit Karma in late March or early April 2025. Shortly after I called them to investigate and they alleged there were two debts, one for around $200 and one for $731, allegedly one incurring in July 2018 and the other about 2 months before or after. They alleged the original creditor was Houston ********************************* or something similar. But on Credit Karma at this time it says the original creditor is CMC, which is untrue according to ***'s words on the telephone. As I was unsure of the basis of the alleged debt, I asked them for an account number and to email the bills the debt was based on and all related paperwork. Although they should have been able to provide these if they were a legitimate creditor, they said they could not, that they didn't have it, and that I would have to seek it from the original creditor. They tried to negotiate a settlement of half for about $450 and asked for my credit card information but I told them I was not about to give my payment information over the phone for a company and debt that I couldn't recognize. They even admitted to me it was a "bad debt". After I ended the phone call with them, later that day I searched for the original creditor online but could find no working phone number for them.I want the negative reporting by CMC promptly removed from my TransUnion credit score and any other credit score companies so affected, like Experian and Equifax, and my credit scores with those affected credit reporting companies promptly raised by the appropriate number of points.

  Business Response

  Date: 04/30/2025

  Credit Management Company takes all complaints very seriously and as such has preformed a thorough investigation into ***** ******* claims.  Unfortunately, we are unable to provide a substantive response on a public facing platform, such as this.  However, we have responded to ***** directly and encourage them to contact us at ************ if we can be of further assistance.  Thank you.