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Initial Complaint
01/21/2025
Complaint Type:
Product Issues
Status:
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.
Central portfolio of Minnesota has made repeated called asking for money that is not owed by me and has been asked multiple times to cease and desist from any further contact. Trying to request money for a a bill that I dont owe
Business response
01/22/2025
I am writing on behalf of Central Portfolio Control to express our gratitude for giving us the opportunity to address your concerns. We understand the importance of resolving any issues or inquiries promptly and efficiently. We have received a CFPB complaint from CORY ***** yesterday stating " Multiple calls, that start with the Represenatives talking in a disrespectful manner, calling during work hours and repeated calls after, 6:00pm central time I filed bankruptcy regarding all my medical debt from January 2022 until November 19, 2024, my lawyer informed me I have to provide them with no information and if they needed further information to request the bankruptcy documents using (PACER) that is a government website to view case documents.. even after I told them this they have still harassed and called multiple times during the same day hours apart using different representatives. My next step will be a legal action my lawyer is sending cease and desist letter. I have no knowledge of this debt and I no longer owe anything to anyone I have no debt medical or otherwise. The resolution would be to stop contacting me."
Our response was as follows is the same for this complaint: Thank you for allowing Central Portfolio Control the opportunity to address your concerns. We understand the importance of resolving issues efficiently and promptly. We want to assure you that we thoroughly review all accounts for bankruptcy filings. In this case, its possible that we did not receive bankruptcy information due to the filing being recent. However, we have now updated our records with the information you provided and have ceased all calls related to this matter. Should you need further assistance, please feel free to contact our compliance department at **************. We are here to help.
Initial Complaint
01/20/2025
Complaint Type:
Order Issues
Status:
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.
I am not liable for this debt with *********** I do not have a contract with "CENTRAL PORTFOLIO CONTROL" . They did not provide me with the original contract as i requested.
Customer response
01/20/2025
Hello & thanks for the fast response, This has been a long & horrible process, I have mailed off the original request & they have it. *** also requested via phone serval times, which from my understanding they record all calls.The harassment and customer service they have endured me with has been so horrible & the burden of proof falls on the collection agency not the consumer (me) . I find it concerning that Central Portfolio Control is not complying with legal requests.I request collection agency provide proof they sent debt validation,as is my legal right. If Central Portfolio Control collections cannot provide proof, I demand this account be removed from my credit report as is my right per FCRA section
623.(a)(i). This is my last request before I file a formal complaint with the **** and the FTC.Please let me know if I can assist you further to get this resolved.
Business response
01/28/2025
Thank you for giving Central Portfolio Control the opportunity to address your concerns.We understand how important it is to resolve any issues or inquiries promptly and efficiently.
Upon receiving your inquiry, we immediately took action and notified our client, *******************, about your concerns and have requested the necessary documents to validate the debt in question. Rest assured that once we receive these validation documents, we will promptly send them to you for your review.
Our compliance department reviewed the file in question and determined that initial notification was sent to the consumer on 7/26/2024, we havent had any verbal communication or received any written notifications from the consumer.
For your reference, the original creditor is CHECK N GO, and here are the relevant details of the account:
Open Date: 9/25/2019
Original Balance: 950.00
Current Balance: $2,314.87
Regarding your concerns about credit reporting, we want to assure you that our reporting is accurate and compliant with all applicable regulations. We take compliance very seriously and are committed to adhering to industry best practices. The credit reporting agencies have been notified of this dispute.
If, after reviewing this response, you believe that this matter may be related to identity theft, we kindly request that you provide us with the following:

A copy of the police report.
Completed and notarized Identity Theft Affidavit.
A front-and-back copy of your government-issued identification.

Once we receive these documents, we will forward them to our client for further investigation.
If you need further assistance, please contact our compliance department at **************.Our team is dedicated to helping resolve this matter as quickly as possible.
Initial Complaint
12/30/2024
Complaint Type:
Product Issues
Status:
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.
I paid already and now its showing up on my credit as a new account through a different agency!!!!! I am Not responsible for this debt
Business response
12/31/2024
Thank you for giving Central Portfolio Control the opportunity to address your concerns.We understand the importance of resolving inquiries promptly and efficiently,and we are committed to providing the best possible service.
Upon review by our compliance department, we found that the consumer spoke with one of our agents on December 12, 2024, and arranged to settle the debt in two payments.The first payment of $239.25 was made on December 12, 2024, and the second payment of $239.25 is scheduled for processing on January 11, 2025.
With regard to your concerns about credit reporting, we want to reassure you that all reporting is accurate and fully compliant with applicable regulations. We take compliance very seriously and strive to adhere to industry best practices.Please note that the credit reporting agencies have been notified of this dispute.
Should the consumer need further assistance or wish to discuss the outstanding balance,our compliance department is available at **************. Our team is here to help and is ready to assist in resolving any remaining concerns.
Customer response
12/31/2024
I am rejecting this response because:

Then why does it still state the full amount before settling as a new inquiry. Dropped my score by 48 points when I made a payment to you.
Business response
01/03/2025
Thank you for your feedback. While we appreciate your input, we would like to respectfully stand by our previous response.
If you have any further questions or need additional assistance, please dont hesitate to reach out to our compliance department at **************. We are here to help and support you throughout this process.
Initial Complaint
12/20/2024
Complaint Type:
Service or Repair Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I received a text - for a "******" - at my phone number, presumably about a debt this "******" owes from Central Portfolio Control, INC. The phone number included for callback was ************. And there was a way to login online with an "Agency ID" (whatever that is) included. I am not ******, do not owe any unpaid debts, and have blocked any further contact from them. I am not responsible for ********** debt. I did not reach out to the actual company because 1.) I am not "******" 2.) I do not owe them any $$ 3.) I suspect a scam.
Business response
12/23/2024
Thank you for giving Central Portfolio Control the opportunity to address your concerns. We understand the importance of resolving any issues or inquiries quickly and effectively. Please note that all communication has been discontinued for the phone number **************. Should you experience any further issues, please do not hesitate to contact our ********************* at **************.
Customer response
12/26/2024
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.
Initial Complaint
12/02/2024
Complaint Type:
Order Issues
Status:
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.
I'm not liable for this debt with CENTRAL PORTFOLIO CONTRO, I do not have a contract with CENTRAL PORTFOLIO CONTRO, they did not provide me with the original contract as I requested.
Customer response
12/02/2024
The burden of proof falls on the collection agency not the consumer (me) . I find it concerning that Central Portfolio Control, Inc is not complying with legal requests. I request Central Portfolio Control, Inc collection agency provide proof they sent debt validation, as is my legal right. If Central Portfolio Control, Inc cannot provide proof, I demand this account be removed from my credit report as is my right per FCRA section 623.(a)(i). This is my last request before I file a formal complaint with the **** and the ***.
Business response
12/10/2024
On behalf of Central Portfolio Control, we sincerely thank you for allowing us the opportunity to address your concerns. We understand the importance of resolving any issues promptly and efficiently.
Upon receiving your inquiry, we acted swiftly to inform our client, ******************, of your concerns and have requested the necessary documentation to validate the debt in question. Once we receive these validation documents, we will ensure they are sent to you promptly for your review.
For your reference, the original creditor is CHECK N GO, and here are the relevant details of the account:
Account Opened: October 1, 2018
Last payment amount: $514.62
Last payment date: October 19, 2018
Original Balance: $2,525.00
Current Balance: $3,979.09
Additionally,please note that we sent an initial notification letter to you on July *******. We did not receive any return service notification regarding this correspondence.
Regarding your concerns about credit reporting, we want to assure you that our reporting is accurate and compliant with all applicable regulations. We take compliance very seriously and are committed to adhering to industry best practices.
If you require further assistance or have any additional questions, please do not hesitate to contact our compliance department at **************. Our team is here to help and eager to address any concerns you may have.
Initial Complaint
11/18/2024
Complaint Type:
Sales and Advertising Issues
Status:
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.
I received a text message and I am receiving constant harassing phone calls from all types of different numbers which are scam majority of them because I have Robo blocker. But today I get a text message that says: Hi x** Xxxxxxx c, this is Central Portfolio Control **** Please contact our office at ************ or online at ******************************* using your AGENCY ID: ***********. This communication is from a licensed Bill ********** Thank you. Text STOP to unsubscribe. My payment history on all of my debts are at 100 percent and I dont know who these people are???
Business response
11/26/2024
Thank you for bringing your concerns to our attention. At Central Portfolio Control, we take all inquiries seriously and are committed to addressing them promptly and thoroughly.
Upon receiving your inquiry, we acted swiftly to inform our client, ACS PRIMARY CARE PHYSICIANS - SOUTHEAST PC, of your concerns and have requested the necessary documentation to validate the debt in question. Once we receive these validation documents, we will ensure they are sent to you promptly for your review.
Regarding your concerns about texts and calls, we assure you that our practices comply with all company, state, and federal regulations. We prioritize compliance and are dedicated to following industry best practices in all our operations.

If you require further assistance, or have additional questions, please do not hesitate to reach out to our compliance department at **************. Our team is here to help and is eager to address any concerns you may have.
Initial Complaint
11/11/2024
Complaint Type:
Billing Issues
Status:
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.
Central Portfolio Control (CPC) has reported a debt on my credit report from Snap Finance without adequate validation, violating my rights under the ***** and ****. Per ***** (15 U.S.C. 1692g), I requested CPC validate this debt. CPC has failed to provide legal proof of my responsibility, yet continues to report this account, possibly violating FCRA (15 U.S.C. 1681s-2) for accurate reporting. This reporting is misleading and may breach ***** (15 U.S.C. 1692e, 1692f) by using unfair collection methods that harm my credit.
Business response
11/18/2024
On behalf of Central Portfolio Control, we sincerely thank you for allowing us the opportunity to address your concerns. We understand the importance of resolving any issues promptly and efficiently.
Upon receiving your inquiry, we acted swiftly to inform our client, ******************, of your concerns and have requested the necessary documentation to validate the debt in question. Once we receive these validation documents, we will ensure they are sent to you promptly for your review.
For your reference, the original creditor is SNAP FINANCE, and here are the relevant details of the account:
Account Opened: October 14, 2020
Last payment amount: $135.00
Last payment date: August 11, 2021
Current Balance: $2,135.46
Additionally,please note that we sent an initial notification letter to you on September *******.
Regarding your concerns about credit reporting, we want to assure you that our reporting is accurate and compliant with all applicable regulations. We take compliance very seriously and are committed to adhering to industry best practices.
If you require further assistance or have any additional questions, please do not hesitate to contact our compliance department at **************. Our team is here to help and eager to address any concerns you may have.
Initial Complaint
11/11/2024
Complaint Type:
Order Issues
Status:
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.
I am not liable for this debt with ************. I do not have a contract with Central Portfolio Control. They did not provide me with the original contract as requested.
Customer response
11/11/2024
i did not keep a copy of the letter i sent. regardless i am asking that you remove the collection from my credit report due to not receiving proper validation as my right per fair credit reporting act
Business response
11/22/2024
On behalf of Central Portfolio Control, we sincerely thank you for allowing us the opportunity to address your concerns. We understand the importance of resolving any issues promptly and efficiently.
Upon receiving your inquiry, we acted swiftly to inform our client, ******************, of your concerns and have requested the necessary documentation to validate the debt in question. Once we receive these validation documents, we will ensure they are sent to you promptly for your review.
For your reference, the original creditor is SNAP FINANCE, and here are the relevant details of the account:
Account Opened: January 30, 2021
Merchant: City Home Furniture - *******
Current Balance: $3,298.71
Additionally,please note that we sent an initial notification letter to you on September *******. We did not receive any return service notification regarding this correspondence.
Regarding your concerns about credit reporting, we want to assure you that our reporting is accurate and compliant with all applicable regulations. We take compliance very seriously and are committed to adhering to industry best practices.
If you require further assistance or have any additional questions, please do not hesitate to contact our compliance department at **************. Our team is here to help and eager to address any concerns you may have.
Customer response
11/25/2024
I am rejecting this response because: i am not liable for this debt with ************. I do not have a contract Central Portfolio Control, they did not provide me with the original contract as requested. I demand this account be removed from my credit report.
Initial Complaint
11/08/2024
Complaint Type:
Product Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I have received several text messages from this company claiming I owe them money. The text is addressed to a LaFonda Venise ***. I am not this person, don't know who she is and don't know how Central Portfolio Control obtained my phone number. The text reads: "Hi LaFonda Venise ***, this is Central Portfolio Control. Please contact our office at ************ or online at **************************** using your AGENCY ID: *************. This communication is from a licensed Bill ********** Thank you. Text STOP to unsubscribe." To resolve this issue I expect the texts to cease immediately.
Business response
11/11/2024
On behalf of Central Portfolio Control, we sincerely appreciate the opportunity to address your concerns. We understand the importance of resolving issues promptly and effectively, and we are committed to ensuring your experience is as seamless as possible.
Following your inquiry, our compliance department promptly identified the phone number in question, ************, and has taken the necessary steps to cease any further communication.
Should you need any additional assistance or have further questions, please dont hesitate to reach out to our compliance team at **************. Our dedicated team is here to provide the support you need and to resolve any remaining concerns you may have.
Customer response
11/12/2024
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.
Initial Complaint
11/08/2024
Complaint Type:
Billing Issues
Status:
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.
this is a medical bill California has a law that prevent nearly all medical debt from appearing on credit reports. Please remove from my credit. Company is not following Senate Bill 1061, which would remove medical debt from credit reports and prohibit debt collectors from reporting patients' medical debt information to credit agencies
Business response
11/11/2024
On behalf of Central Portfolio Control, we would like to express our sincere gratitude for the opportunity to address your concerns. We understand how important it is to resolve issues quickly and effectively.
Upon receiving your inquiry, we took immediate action to notify our client, *********************************, and to address your concerns. Regarding the issue of credit reporting, we want to reassure you that our practices fully adhere to all applicable company policies, as well as state and federal regulations.Compliance is our top priority, and we are committed to upholding industry best practices in every aspect of our operations.
If you require further assistance or have any additional questions, please do not hesitate to contact our compliance department at **************. Our dedicated team is here to provide the support you need and is eager to resolve any remaining concerns.

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