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:08/20/2026

  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 have been with Credit Associates since 2021 and was down to my last payment on my REMOVED($344 due 8/30) account and a REMOVEDaccount ($80.00 due 8/30)I had recently lowered my bi-weekly deductions due to my disability and no income until my SSD payments begin. Credit Associates decided on 8/10/2026 to default my accounts because they felt there would not be enough money to pay the final payment to REMOVED, the payment to REMOVED, and receive their "Success Fee". As of today, there is $252.00 in the REMOVEDaccount, and after the bank draft from my checking tomorrow 8/21 for $260.00 there would be a balance of $512.00. This would have been plenty of money to cover both payments due on 8/30/2026. The final payment to REMOVEDof $344 and the regular payment of $80 to REMOVED. Now that they have defaulted my account for REMOVED, I am left with the same beginning debt enrolled with Credit Associates, despite making over $1000 in payments already. I was informed by Credit Associates yesterday that I will still have to pay them their "Success Fee" on this account that they defaulted 11 days earlier than the due date and without a courtesy call to explain why they were doing this.I have printed out documents showing when the payments were due, how much money is available to have paid these accounts, and a payment schedule which states they will deduct 262 additional payments of $60 to satisfy their fee's. The total is $15,720.00 I have requested, in writing, how they can even justify that amount, how do they justify putting me in to default before the due date has even approached, and cannot get a response from them. They will call and give you the" oh, but we settled other accounts" speech, but not respond to me in writing on why I am to pay them $3128.00 in "Success Fees" after defaulting 2 accounts 11 days before the due dates.I have not defaulted on these accounts and have been paying Credit Associates for years.

  Customer Answer

  Date: 08/20/2026

  ood afternoon REMOVED,

  I had trouble uploading the documentation on the website so I am submitting it via email.

  I feel that placing my account in default 11 days before the last payment for 1 account is due              ( which is 8/30/26) is truly an unethical business decision that Credit Associates made.  It would really have been great had they reached out to me to explain a situation that I do not understand.  They have plenty of funds at the moment to handle the August 2026 payments.  As I explained to several representatives,  the reduction in bi-weekly payments going forward  was temporary.  I am in the process of recovering from spine surgery, unable to work, and still waiting on my Social Security case to be approved.  REMOVED, from Credit Associates, stated that in order for the company to help me, I would have to give then $500 monthly so they receive their fee.   I do not believe that after they defaulted my last account with REMOVEDCapita, for my REMOVEDaccount, 11 days earlier than the actual due date was justified. Especially without speaking with me.  REMOVEDstated that the REMOVEDmade the decision to do this because they felt that I would not have enough money to pay them.   The payment was $80.00 monthly and Credit Associates was advised to only deduct $120 monthly from my bank account until I receive my benefits.   That amount would have been enough to continue paying the account.  I have already paid half of it off and now because they defaulted me, in advance of my due date, the amount went back up to its original dollar amount and has left me open to a lawsuit even though I have been paying them on time every month since 2021.

  I feel that since the company has decided to default me for their own reasons, why do I have to pay you the Success Fee?  They want $1400+ for the original settlement.  I have attached all documents showing what was available to pay both accounts this month as well as an odd Future Deductions sheet showing 262 payments of $60.00 due totaling $15,720.  I have asked them many times to reply to my emails in writing and cannot get a straight answer about this issue and why they defaulted my accounts prior to the date the bills were due to be paid.

  Thank you for any help you can offer.

  Best Regards,

  REMOVED

  

  Business Response

  Date: 08/27/2026

  We worked with Ms. REMOVEDand were able to get the account at issue satisfactorily restructured.  Thank you. 

• Initial Complaint

  Date:08/03/2026

  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 disputing the collection account being reported by Creditors Bureau Associates in the amount of $1,219. I have never had any relationship with this company. I have never applied for, requested, or received any products or services from them. I have never signed a contract, entered into a written or verbal agreement, or had any contact with this company. I have no legal or financial obligation to Creditors Bureau Associates.I wrote to this company on January 3, 2026, March 8, 2026, and June 9, 2026, requesting documentation bearing my signature and proof that this account belongs to me. I provided my full name, Social Security number, date of birth, and address. Despite having all of my identifying information, the company was unable to locate me in its system and could not provide any documentation demonstrating that I owe this alleged debt.Because Creditors Bureau Associates has been unable to verify this account or establish that I have any legal or financial obligation to them, I respectfully request that this inaccurate collection account be deleted from my credit profile immediately.

  

  Business Response

  Date: 08/04/2026

  Ms. REMOVEDcomplaint does not relate in any way to our company. She has a complaint with a company called "Creditors Bureau Associates." However, our company is CreditAssociates, LLC. We do not collect debts and do not report anything to any credit bureau. Ms. REMOVEDfiled her complaint by mistake against our company. Accordingly, there is nothing we can do to address this matter on her behalf. Thank you.    

• Initial Complaint

  Date:07/22/2026

  Type:Product 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 enrolled in CreditAssociates 1/20/24 to negotiate my debts and avoid legal action. One of the enrolled accounts was a REMOVEDaccount that has now proceeded to trial.Thr CreditAssociates app repeatedly told me to "hang tight" because they were working to negotiate with my creditor. Based on those representations, I believed my account was actively being handled.On July 22, 2026, at approximately 9:30 a.m., I spoke with a CreditAssociates representative named REMOVED, who was rude and patronizing, after receiving notice of my upcoming trial. I asked why the app continued to say negotiations were underway. She told me that message simply meant I needed to add more money to my account. Rather than explaining what negotiations had occurred, I was once again told to deposit additional REMOVEDapproximately 10:00 a.m. the same day, I spoke with REMOVEDat REMOVED. He advised me that REMOVEDhad attempted to contact CreditAssociates multiple times to negotiate my account, including in March, multiple times in May, June 9, July 1, and July 8, 2026, by phone and email, but received no response.This directly conflicts with CreditAssociates' representations that they were actively negotiating on my behalf. Because of their apparent failure to communicate, my case has now reached trialthe very outcome I paid them to help prevent.Additionally, another account enrolled in the program has been paid but is still being reported as an unpaid collection, negatively affecting my credit.I have lost confidence in CreditAssociates and want to terminate my enrollment without penalty. I request a complete accounting of my funds and fees, any refund to which I am entitled, a written explanation for their failure to respond to REMOVED's repeated attempts to negotiate, and correction of any inaccurate account reporting.

  Customer Answer

  Date: 07/23/2026

  I would like to add additional information to my complaint.

  
  

  On July 22, 2026, after speaking with CreditAssociates, I contacted REMOVEDdirectly and spoke with a representative named REMOVED. He offered me multiple repayment options that would resolve my account, including:

  
  

  - $173 per month for 30 months.

  - $194 per month for 24 months (approximately $4,650 total).

  - $144 per month for 36 months for the full balance.

  
  

  REMOVEDadvised these options are available through July 29, 2026.

  
  

  This information was surprising because I have been paying $233 every two weeks into my CreditAssociates debt relief program. Despite contributing significantly more than the monthly payments REMOVEDwas willing to accept, CreditAssociates repeatedly told me that I needed to deposit additional money before my account could be settled.

  
  

  This raises serious concerns about whether I was provided accurate and transparent information regarding my options. Had I known REMOVEDwas willing to work directly with me on these terms, I may have chosen a different course of action rather than continuing to make payments into the debt relief program while my account progressed to litigation.

  
  

  I respectfully ask that this additional information be considered as part of my complaint and the investigation into CreditAssociates' business practices.

  Customer Answer

  Date: 07/23/2026

  Navia from CreditAssocoated reached out today at 10:34 AM and left me a voicemail with a phone number to call back. The phone number is their general customer service line and as I was on hold waiting for an agent for 27 minutes. As I am currently at work, I do not have time to be on such long hold times. It was the same yesterday as I had to be on the phone for over 2 hours trying to figure this out along with submitting my complaint to bbb and other appropriate agencies. I finally had agent answer - KC- who had great customer service. She was unavailable. He advosed she called as a courtesy and REMOVEDattempted to help. I reiterated my issue however I had to disconnect the call due to work l. He advised he would have Navia call me back tomorrow, 7-24-26, I requested noon as that is my lunch. He confirmed she will call back tomorrow at 12pm PST.

  

  Business Response

  Date: 08/13/2026

  We have communicated with Ms. REMOVEDand to the best of our knowledge, she no longer wishes to terminate our services. We also offered a fee waiver. If Ms. REMOVEDdesires anything further, she has our direct contact information and should contact us. Thank you.    

  Customer Answer

  Date: 08/13/2026

  My concern is that the response did not fully address the issues I raised.
  Again, Credit Associates has not acknowledged or addressed the fact that they ignored multiple attempts by the REMOVEDto contact them regarding my account. Instead, their response shifts the responsibility back to me without addressing why those communications were not responded to in the first place.
  They also have not addressed the inaccurate or misleading information provided to consumers through their application, DebtApp. I was informed by a Credit Associates representative that I still have outstanding fees with the company and that they have been crediting my account in order to settle my accounts. However, when I review my account through the DebtApp, the accounts are clearly marked as Paid Off, and the amount displayed includes the success fee.
  When I brought this discrepancy to the attention of the Credit Associates representative, I was told that I could simply call in for clarification. I do not believe it is reasonable to require consumers to call for clarification regarding information that the company itself is displaying in its application. If the application clearly states that an account is Paid Off, it should accurately reflect the status of the account and any fees or amounts that remain outstanding. The information presented should not be misleading or require consumers to contact the company to determine what the information actually means.
  Additionally, the proposed solution regarding the REMOVED's attempts to contact Credit Associates was that I could settle the matter myself and remove the account from their program. This does not address my concern. The issue is not simply whether I am capable of settling the account myself; it is that Credit Associates failed to properly respond to communications regarding my account and, in doing so, mishandled the situation and caused me significant stress and financial uncertainty.
  I also do not believe that the proposed $1,000 reduction is sufficient given the circumstances. A $1,000 reduction does not adequately address the issues I have raised, including the failure to respond to my legal representative, the discrepancies in the information provided through DebtApp, and the resulting financial stress and uncertainty caused by the mishandling of my account. I am requesting a more meaningful resolution that takes these circumstances into consideration.
  I am seeking a response that directly addresses these concerns rather than simply providing an alternative for me to resolve the matter myself. I would like Credit Associates to explain why the REMOVED's attempts to contact them were not addressed, clarify the discrepancy between the Paid Off status shown in DebtApp and the company's assertion that I still owe outstanding fees, and explain why the information displayed in the application does not accurately reflect my account status.
  These issues remain unresolved, and I do not believe the response provided adequately addressed the concerns raised in my complaint or provided a sufficient resolution.
  

  Customer Answer

  Date: 08/13/2026

  My concern is that the response did not fully address the issues I raised.
  Again, Credit Associates has not acknowledged or addressed the fact that they ignored multiple attempts by the REMOVEDto contact them regarding my account. Instead, their response shifts the responsibility back to me without addressing why those communications were not responded to in the first place.
  They also have not addressed the inaccurate or misleading information provided to consumers through their application, DebtApp. I was informed by a Credit Associates representative that I still have outstanding fees with the company and that they have been crediting my account in order to settle my accounts. However, when I review my account through the DebtApp, the accounts are clearly marked as Paid Off, and the amount displayed includes the success fee.
  When I brought this discrepancy to the attention of the Credit Associates representative, I was told that I could simply call in for clarification. I do not believe it is reasonable to require consumers to call for clarification regarding information that the company itself is displaying in its application. If the application clearly states that an account is Paid Off, it should accurately reflect the status of the account and any fees or amounts that remain outstanding. The information presented should not be misleading or require consumers to contact the company to determine what the information actually means.
  Additionally, the proposed solution regarding the REMOVED's attempts to contact Credit Associates was that I could settle the matter myself and remove the account from their program. This does not address my concern. The issue is not simply whether I am capable of settling the account myself; it is that Credit Associates failed to properly respond to communications regarding my account and, in doing so, mishandled the situation and caused me significant stress and financial uncertainty.
  I also do not believe that the proposed $1,000 reduction is sufficient given the circumstances. A $1,000 reduction does not adequately address the issues I have raised, including the failure to respond to my legal representative, the discrepancies in the information provided through DebtApp, and the resulting financial stress and uncertainty caused by the mishandling of my account. I am requesting a more meaningful resolution that takes these circumstances into consideration.
  I am seeking a response that directly addresses these concerns rather than simply providing an alternative for me to resolve the matter myself. I would like Credit Associates to explain why the REMOVED's attempts to contact them were not addressed, clarify the discrepancy between the Paid Off status shown in DebtApp and the company's assertion that I still owe outstanding fees, and explain why the information displayed in the application does not accurately reflect my account status.
  These issues remain unresolved, and I do not believe the response provided adequately addressed the concerns raised in my complaint or provided a sufficient resolution.
  

  Customer Answer

  Date: 08/19/2026

  I am rejecting this response because:   My concern is that the response did not fully address the issues I raised.

  Again, Credit Associates has not acknowledged or addressed the fact that they ignored multiple attempts by the REMOVEDto contact them regarding my account. Instead, their response shifts the responsibility back to me without addressing why those communications were not responded to in the first place.

  They also have not addressed the inaccurate or misleading information provided to consumers through their application, DebtApp. I was informed by a Credit Associates representative that I still have outstanding fees with the company and that they have been crediting my account in order to settle my accounts. However, when I review my account through the DebtApp, the accounts are clearly marked as Paid Off, and the amount displayed includes the success fee.

  When I brought this discrepancy to the attention of the Credit Associates representative, I was told that I could simply call in for clarification. I do not believe it is reasonable to require consumers to call for clarification regarding information that the company itself is displaying in its application. If the application clearly states that an account is Paid Off, it should accurately reflect the status of the account and any fees or amounts that remain outstanding. The information presented should not be misleading or require consumers to contact the company to determine what the information actually means.

  Additionally, the proposed solution regarding the REMOVED's attempts to contact Credit Associates was that I could settle the matter myself and remove the account from their program. This does not address my concern. The issue is not simply whether I am capable of settling the account myself; it is that Credit Associates failed to properly respond to communications regarding my account and, in doing so, mishandled the situation and caused me significant stress and financial uncertainty.

  I also do not believe that the proposed $1,000 reduction is sufficient given the circumstances. A $1,000 reduction does not adequately address the issues I have raised, including the failure to respond to my legal representative, the discrepancies in the information provided through DebtApp, and the resulting financial stress and uncertainty caused by the mishandling of my account. I am requesting a more meaningful resolution that takes these circumstances into consideration.

  I am seeking a response that directly addresses these concerns rather than simply providing an alternative for me to resolve the matter myself. I would like Credit Associates to explain why the REMOVED's attempts to contact them were not addressed, clarify the discrepancy between the Paid Off status shown in DebtApp and the company's assertion that I still owe outstanding fees, and explain why the information displayed in the application does not accurately reflect my account status.

  These issues remain unresolved, and I do not believe the response provided adequately addressed the concerns raised in my complaint or provided a sufficient resolution.

  

  Business Response

  Date: 08/26/2026

  Although we continue to reach out to Ms. REMOVEDnumerous times, she does not respond to us at all in an effort to resolve the matter. In any event, we have implemented an increase in our fee waiver for Ms. REMOVED. If she desires anything further, we can accommodate if she responds to our various emails and calls. We have taken all reasonable steps to resolve the matter. Thank you.    

  Customer Answer

  Date: 08/26/2026

  I am rejecting this response because the information provided by Credit Associates remains incorrect and does not fully address my concerns.
  First, the issue involving The REMOVEDdid not arise in April 2026, as stated by Credit Associates. I brought this matter to Credit Associates' attention in April 2025, which provided them with ample time to communicate and negotiate with The REMOVED
  Second, my concern regarding the app is that it is misleading to consumers. The app reflects accounts as having a Paid Off status, including the associated Success Fee. However, it is difficult for a consumer to determine whether the Success Fee itself has actually been paid. Because the Success Fee is included within the Paid Off status, I reasonably believed that all amounts, including the Success Fee, had been paid. I am only now discovering that these Success Fees remain unpaid.
  While I acknowledge the $1,500 fee waiver, I cannot determine whether this amount is sufficient without receiving a complete accounting of all funds paid, how those funds were applied, and the total amount of Success Fees that remain outstanding. Given the misleading Paid Off status reflected in the app and the failure to timely address the REMOVEDmatter after it was brought to Credit Associates' attention in April 2025, I believe additional fee waivers should be considered. At this time, I am requesting a complete accounting and a reconsideration of the amount of fees waived once the full outstanding balance and application of my payments have been disclosed.
  

• Initial Complaint

  Date:07/21/2026

  Type:Service or Repair 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 signed up with Credit Associates over a year ago to settle my debt, before the debt is settled they took their commission fee of $1,871.25. I have over $2,000 in a savings acct that they set up in my name, the money is just sitting REMOVEDhaven't paid it towards my debt. Instead they only pay a portion monthly in order to keep charging me service & transaction fees. My problem with this company is every time that I contact customer service and ask them what my balance is they give me a different amount. I was talking via chat with a CS REMOVEDnamed REMOVED. who told me that my balance was $800 more than what I owed. When I asked her how that was a possible she said she added a buffer for closing cost and fees. when I kept questioning her because the amount was not adding up she booted me out of chat & blocked me. The same day I talked with another customer service REMOVEDvia chat her name is REMOVED. she told me my balance was $400 more than what I owed. When I questioned her about it she did the same thing and booted me out of chat & blocked me. After that I called & tried to speak with a live REMOVEDand on 3 different occasions I was put on hold for over 45 minutes. I sent an email via the credit associate website and received case # REMOVEDand got no response. I then sent another email and reference my case # and still have not received a response. The company does not update the information on your account so you're left to guess and they can add to the balance anytime they want because there is no traceability. I feel like this company is stealing my money and taking advantage of me. I don't understand why they are holding over $2,000 of my money instead of paying the debt. They haven't earned their commission fee that they charged me and yet they have already paid themselves. The company won't respond back to me so I'm filing a complaint for fraud and I'm requesting the $1,871.25 I paid them because they're not paying my debt and that's a breach of contract.

  

  Business Response

  Date: 07/27/2026

  Pursuant to his request, we have fully closed Mr. REMOVEDaccount with our company and issued a refund. Mr. Vaelasquez will receive his refund within 5 to 7 days. Thank you.  

• Initial Complaint

  Date:07/14/2026

  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.

  To date, I have paid approximately $2,100 into a debt relief program called Credit Associates, yet only a single payment of $25 has been made toward one creditor account. While one account has reportedly been settled, the remaining accounts appear to have received little to no meaningful action and continue to accrue risk due to the passage of REMOVEDunderstanding is that program fees are to be assessed proportionately as settlements are achieved and payments are disbursed, rather than being substantially collected upfront while creditor accounts remain unresolved. The current handling of my funds raises serious concerns regarding the management, allocation, and application of payments entrusted to your company.The unresolved accounts are time-sensitive and subject to ongoing collection activity, potential credit damage, and additional financial consequences. Meanwhile, a substantial portion of the funds I have contributed appears to have been diverted toward fees rather than being utilized to negotiate and resolve my outstanding debts as represented.

  

  Business Response

  Date: 07/21/2026

  Pursuant to her request, we are sending Ms. REMOVEDa refund and have explained how our fees are calculated. Ms. REMOVEDwill receive her refund within 5 to 7 days. Thank you.   

• Initial Complaint

  Date:05/14/2026

  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 filing a complaint regarding a severe operational failure by Credit Associates, LLC. Over a year ago, I successfully fulfilled my contractual obligations under their debt relief program by completing 100% of my scheduled settlement payments for two bank cards.1. First REMOVED(Account ending REMOVED: Settle date 02/26/2025. Made all 6 of 6 scheduled payments, totaling $435.87. 2.Credit REMOVED(Account ending REMOVED: Settle date 11/25/2025. Made all 9 of 9 scheduled payments, totaling $693.73.Because they left these administrative fees uncollected, they abandoned my files, failed to finalize the settlements, and failed to notify my lenders. As a direct result, both banks still show my accounts as active and unpaid, destroying my credit score. There has been no activity on these accounts since last year solely due to Credit Associates' internal negligence.

  

  Business Response

  Date: 06/02/2026

  We have communicated several times with Ms. REMOVEDletting her know we have taken all steps possible for her creditors to show zero balances. However, how or when creditors show balances is not in our control. That is totally dictated by the applicable creditor. There are no uncollected fees from Ms. REMOVEDprogram balance. Thank you.     

• Initial Complaint

  Date:05/08/2026

  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.

  In 2019. I acquired Creditt Associates help to help me pay my credit card debt. The company told me to stop paying my credit cards, so i continued paying credit associates. this hurt my credit score. 2 years later i find out that the Credit Associates does not deal with credit unions and the only credit card they were able to "help" me with is REMOVED. When the company finally settle my REMOVEDaccount they never disclosed the amount, which was 3000 dollars more than the original debt. on top of that the company took a 25% "success fee" for the settlement which was inflated by the company since they instructed me to stop paying my credit card. Dissatisfied with the results. i called the Credit associates many time and the REMOVEDkeep cant help me and tell me i am going to get a call from their supervisor, which i never received.I cancel the program but i only receive only the money in the account but not the "success fee". the company refuses to refund me the "success fee" since Credit Associates advertising promise a "money back guarantee". I want my full refund from Credit Associates since they lied about the program and left me in a worse place than before.

  

  Business Response

  Date: 06/09/2026

  Pursuant to his request, we have processed a refund for Mr. REMOVEDMr. REMOVEDwill receive that refund within 6 to 8 days. Thank you.   

• Initial Complaint

  Date:04/03/2026

  Type:Service or Repair Issues
  Status:

  ResolvedMore 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 joined Credit Associates on Dec 15, 2022. After losing my job in Jan 2026, I called on Feb 2 to cancel the program. I was told we could paying off 3 accounts in one payment and that the 4th hadnt even been started.Despite that, on Feb 27 I received multiple emails saying they had suddenly accepted an offer on the 4th account, set up a payment plan, and even started the first paymentafter my cancellation request.I called again on Mar 2 and Mar 24, and they admitted they saw my Feb 2 cancellation but never processed it. I was also charged over $1,500 in success fees on Feb 27, and they promised a partial refund within 35 days.Also to refund remaining money left in my REMOVEDMar 30, still nothing. They told me it would show today or tomorrow.Its now Apr 3, 2026, and I still have no refund.Overall, they ignored my cancellation, charged fees after the fact, and have not returned the money they promised. 40 payments total made of REMOVEDdollars went to processing fees. Left with REMOVEDI was charged for back of America REMOVEDdollars total.I was charged for REMOVEDdollars total.Charged CBNA REMOVEDdollars.Ive called Feb 2nd, to cancell rest of the program. And they should have refunded me REMOVEDdollars. On February 27th they charged me over 1500 for chase REMOVEDSaid will refund half of it. And refund request was made on mar 24th for remaining money left in account. They have not. Ive called angain on mar 28 annd mar 30. Every time I call they say its coming, but nothing shows up.

  

  Business Response

  Date: 04/20/2026

  We communicated with Ms. REMOVEDand arrived at a refund amount. Ms. REMOVEDwill receive that refund within 6 to 8 days. Thank you. 

  Customer Answer

  Date: 05/09/2026

  They have refunded me the rest. Thank you for your help

• Initial Complaint

  Date:03/26/2026

  Type:Billing Issues
  Status:

  ResolvedMore 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 have been enrolled in Credit Associates for a while, I was targeted at a vulnerable stage in my life when looming debt was consuming my life. They said they would save me ~50% in settlement costs, but weren't clear that this didn't include their 25% fee, resulting in only a savings of ~25% which is less than what you can get if you negotiate with creditors directly.The bigger issue is that they incorrectly removed an account of mine from the program, one I had already paid over $2000 in "success fees" to them. I was unaware this happened and have now been sued by the debt collectors, when CA should have been actively negotiating with them. They also took $1000 for an account before they ever started negotiating. All in all, I have paid them ~$5000 in "success fees" for accounts that haven't been paid off. I would like a refund because CA's incompetency has led to me being sued. I have lost full confidence in their program and no longer trust them.

  

  Business Response

  Date: 04/08/2026

  Pursuant to Mr. REMOVEDrequest, we gave him a full update on the status of his program. We also agreed to issue him a refund. Mr. REMOVEDwill receive that refund within 7 to 9 days. Thank you.  

  Customer Answer

  Date: 04/09/2026

  I have reviewed the business response and accept this resolution. 

• Initial Complaint

  Date:03/18/2026

  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.

  I have been working with credit Associates since REMOVEDpaying off my debt. I am working diligently to pay off my program early and am down to owing very little. I recently attempted to discuss paying off my remaining debt without any luck after speaking to 4 different representatives and I continue to have representatives and even supervisors agree to call me back to keep me posted on my next steps. They state they will call me on specific days with times and then, I do not receive the communication. I am very concerned that this company doesnt want me to pay off my debt early and they are supposed to be assisting me with creditors charging me 22% but cant return phone calls? I enrolled in this program under the impression that they were an organization that were reputable, however when you are trying to pay off your debt they do not return your calls but then give your information to a company to try to get you to consolidate your loans with astronomical rates, who harass you to the point that you have to call Credit Associates nearly 5 times to request that this company stop calling and emailing you. I just want to pay off my debt and I feel this company is not assisting me, but charging me a lot of money to not assist me in completing the program successfully.

  

  Business Response

  Date: 03/31/2026

  Pursuant to Ms. REMOVEDrequest, we received an offer on the account at issue and lowered our fee. The matter has been addressed. Thank you.