Complaints

• Initial Complaint

  08/31/2022

  Complaint Type:

  Order Issues

  Status:

  Resolved

  More info

  I checked my credit report and noticed I had 1 collections from (JOSEPH MANN & CREED) was opened in (09/01/2021) balance is ($655) with account number starting in (******) I do not recognize having any agreement with JOSEPH MANN & CREED and I am not liable for this account. This alleged debt is not mine I never entered into a signed agreement or completed an original contract with (JOSEPH MANN & CREED). This inaccurate collection is NOT MINE. I never provided any written consent or permissible purpose for this allege creditor (JOSEPH MANN AND CREED) to report on my consumer report. I AM THE ORIGINAL CREDITOR and THE ONLY ONE who can extend credit or permission to report to my consumer report. This is a violation of **** **** ***** permissible purposes of consumer reports. Pursuant to ** **** **** ************ Permissible purpose, of consumer reports. (A) in general Subject to subsection (c) any consumer reporting agency may furnish a consumer report under the following circumstances and no other (2) In accordance with the written instructions of the consumer to whom it relates. I NEVER PROVIDED WRITTEN PERMISSION OR ANY CONSENT to pull my consumer report. This is a violation and also identity theft! ** ****** ******** Block of information resulting from identity theft. ** **** **** ****** a In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of (1)(A) any actual damages sustained by the consumer as result of the failure or damages of not less than $100 and not more than $1,000 or (3) in the case of any successful action to enforce any liability under this section the costs of the action together with reasonable attorney’s fees as determined by the court. You have no right under the law to send me any type of communication whatsoever. Cease and Desist all communication immediately.

  Business response

  09/12/2022

  Please see attached response to the mentioned complaint. The file has been closed with our agency. If you have any questions or require additional information, please feel free to contact us. Thank you.

  Business response

  09/12/2022

  [BBB Transcription via Attachment]

  September 12, 2022
  ****** ****** ***
   RE: ****** *****
   *** **** ***
   *********, ** *****
  Re: Filed by ****** ***** against Joseph, Mann & Creed
  Complaint ID#: ******** / ***#: ********
  
  The following is our response to your notice regarding the above complaint:
  ******* *********, Powered by ***, placed an account in the amount of $654.95 with
  our agency for collections on September 9, 2021. Since then, it was brought to our attention
  that a credit of $2.00 was issued which brought the balance to $652.95.
  The account has been closed by our agency and returned to the original creditor. No further
  attempts to communicate or collect the debt, written or verbal, will be made to the
  consumer by our agency. Additionally, via *******, we have requested the account be
  deleted from any consumer reporting agency files to which we have submitted information.
  Consumer reporting agencies may take up to 30 days or longer to update consumer reports,
  and this is beyond our control.
  The closure of the file in our office does not ensure that our client will not pursue the
  balance in another manner. ******* *********, Powered by ***, is the sole owner of the
  accounts placed with our agency for collections.
  Should you have any questions regarding this account, please feel free to contact us at the
  number listed below.
  Sincerely,
  ******* ********
  Compliance Desk Manager
  Joseph, Mann & Creed
  ***************************
  **************
  
  
  This communication is made for the limited purpose of responding to your account and is
  NOT an attempt to collect a debt. 

  Customer response

  09/15/2022

  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

  08/30/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I have started getting letters and phone calls earlier this year, ********. It is for equipment returned to ****** *** , around 350 dollars. When I got the letter I called the office to dispute the debt as instructed by the letter. I was then told that i had to dispute the debt on their web site. So I did, with no option for confirmation or to be cc on an email. The next call was to tell me I still owed the debt, and they never got my dispute? That structure at the very least is unprofessional and offers no accountability. i have since gotten constant calls from them and the people calling are incredibly rude when I tell them this is not a valid debt. I did contact ****** *** and was told they received the equipment on march 3rd and was given a reference number. When I tell the people calling me that i am presented with rudeness and unprofessionalism. They have offered 0 due diligence to establish the validity of this debt, even after I disputed it. i have otherwise attempted to call the business back but the numbers they call from do not ring through. the last on ************ i tried to call back as soon as I WAS HUNG UP ON and it went to nothing. i want the calls to stop and for them to research for themselves before pushing collection when there is no valid debt. A little kindness and professionalism would not hurt either

  Business response

  09/01/2022

  Please find attached our response to the mentioned complaint. The file has been closed with our agency and returned to the original creditor. We do not report debt to any credit bureaus on behalf of our client. Should you have any questions or require additional information, please let us know. Thank you.

  Business response

  09/01/2022

  [BBB Transcription via Attachment]

  September 1, 2022
  ****** ****** ***
   RE: ****** ******
   **** ****** **** ****  ***** ** *****
  Re: Filed by ****** ****** against Joseph, Mann & Creed
  Complaint ID#: ******** / ***#: ********
  
  
  The following is our response to your notice regarding the above complaint:
  ****** ******* ******* placed an account in the amount of $322.50 with our agency for
  collections on March 7, 2022.
  As of September 1, 2022, the account has been closed by our agency and returned to the
  original creditor. No further attempts to communicate or collect the debt, written or verbal,
  will be made to the consumer by our agency.
  We do not report debt on behalf of our client to any consumer reporting agencies.
  The closure of the file in our office does not ensure that our client will not pursue the
  balance in another manner. ****** ******* ******* is the sole owner of the accounts
  placed with our agency for collections.
  Should you have any questions regarding this account, please feel free to contact us at the
  number listed below.
  Sincerely,
  ******* ******** – Compliance
  Joseph, Mann & Creed
  **** ****** ***** ****** ***** *** ********** ** ***** ***** ******** * *** ***** ********

  Customer response

  09/01/2022

   I am rejecting this response because:
  

  This did not address your refusal to investigate the validity of the debt in the first place when I refuted the debt.. it doesn't address the rudness and unprofessional attitude of your employees,  and it is a cop out to just send the debt back instead of making any effort whatsoever to resolve the matter. A simple apology for the unprofessional attitude of your staff and acknowledging that due diligence was not done would have been an acceptable response 

  
  

• Initial Complaint

  08/10/2022

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Resolved

  More info

  I received a debt-collection letter on August 9, 2022 from Media Collections, Inc. DBA Joseph, Mann & Creed. It was dated August 1, 2022, yet it took over one week to get to me, which is relevant because of a statutory 30-day deadline to file certain disputes. The letter was in regard to Reference Number ******** and Budget Truck Account Number *************. Joseph, Mann & Creed sought to collect a debt of $58.87 that was supposedly owed to Budget Truck as of June 28, 2022. I have contacted Joseph, Mann & Creed now by email and letter to explain that I owe no such debt (due to non-provision of services by Budget Truck), as verified by documentary proof that was presented to Budget Truck. Specifically, the debt encompasses charges for furniture pads and gasoline that Budget Truck charged me for but did not provide, plus associated tax. I presented Budget with a copy of my contract signed and dated by an on-site manager stating that I had not received furniture pads. I presented Budget with a gasoline receipt from a nearby gas station showing that I had to fill up the tank (before my one-way trip) notwithstanding Budget's claim that the tank had been full at pick up. I lodged immediate customer-service complaints after picking up the vehicle, which Budget stated were documented in its system. After Budget failed to provide a promised refund and failed to reply to my customer-service requests within the promised time frame, I disputed this portion of the full charge with my credit-card company. To be clear, I paid for all services actually rendered by Budget Truck (approximately $600). What is disturbing is that Joseph, Mann & Creed would fail to do any due diligence with Budget Truck before pursing charges, particularly with the major ramifications of credit reporting. What is also disturbing is that a letter supposedly sent on August 1, 2022 would take over a week to reach a consumer who faced a relatively short statutory deadline to contest the collection.

  Business response

  08/11/2022

  Please find attached letter in response to the consumer's complaint. The account has been closed with our agency as of August 10, 2022. No further attempts to communicate or collect the debt, written or verbal, will be made by our agency. We do not report debt on behalf of our client to any consumer credit bureaus. Thank you.

  Business response

  08/11/2022

  [BBB Transcription via Attachment]

  August 11, 2022
  
  Summit County BBB
  RE: James Blum
  901 H St NE, Apt 743 Washington, DC 20002
  Better Business Bureau Complaint ID: ********  Filed by James Blum against Joseph, Mann & Creed
  To Whom It May Concern:
  The following is our response to your notice regarding the above complaint:
  Budget Truck placed an account in the amount of $58.87 with our agency for collections on July 28, 2022.
  Prior to the receipt of this notice, our records indicate we received an emailed dispute on August 9, 2022. The mentioned dispute was sent to Budget Truck for review, and we were advised by our client to close the file.
  The account has been closed by our agency as of August 10, 2022. No further attempts to collect the debt, written or verbal, will be made to the consumer by our agency. We do not report debt on behalf of Budget Truck to any consumer reporting agencies.
  Should you have any questions regarding this account, please feel free to contact us at the information below.
  Sincerely,
  

  
  

  Customer response

  08/11/2022

  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

  06/30/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I don't know why you are still giving me this "other than you" feedback. I AM ME! and I'm asking you to delete the fraudulent accounts that I saw on my credit reports. I attached documents such as IDs, SSN, and my POA. I'm getting annoyed with this bullshit you are giving me. You are avoiding deleting the accounts that I keep on reporting and giving me the same feedback! Delete the accounts that I am reporting and I'm only giving you 15 days, you are testing my patience! Again, These are the accounts that you must block because I DID NOT AUTHORIZE ANYONE TO USE MY PERSONAL INFORMATION hence, these are all fraudulent accounts! JOSEPH MANN & CREED Balance$375.00 Account Number ********

  Business response

  07/14/2022

  Please see the attached response in regards to the consumer complaint. Thank you.

  Business response

  07/14/2022

  [BBB Transcription via Attachment]

  July 14, 2022
  Summit County BBB
   Re: ****** ********* ******
   *** ****** ******
   ******, ** *****
  Better Business Bureau Complaint ID: ********
  Filed by ****** ********* ****** against Joseph, Mann & Creed
  The following is our response to your notice regarding the above complaint:
  ******* *********, ******* ** ******, placed an account in the amount of $233.32
  with added equipment fees of $141.71, totaling $375.03.
  Prior to the receipt of this notice, our records indicate we received verbal permission to
  process a payment for a settlement of $300.00 on June 13, 2022. The consumer provided
  card number ending in 6711, and the payment has been posted to the account. Enclosed
  are documents provided by our client that confirm the charges and a receipt for the
  payment processed.
  The account has been closed by our agency as settled in full per the payment received on
  June 13, 2022. No further attempts to communicate or collect the debt, written or verbal,
  will be made to the consumer by our agency.
  Additionally, we have requested the account be updated as settled in full with any consumer
  reporting agencies to which we have submitted information. Consumer reporting agencies
  may take up to 30 days or longer to update consumer reports, and this is beyond our control.
  Should you have any questions regarding this account, please feel free to contact us at the
  information below.
  *********************************************************\********************
  *********************
  Sincerely,
  ******* ******** – Compliance
  Joseph, Mann & Creed
  **** ****** ***** *****, ***** ***
  *********, ** *****
  ***** ******** / *** ***** ********

• Initial Complaint

  03/07/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  I rented a Thirfty Car on 10/11/21. At pickup, the employee refused release the vehicle without me upgrading the insurance coverage for an additional $348.42. I have had numerous conversations with Thrifty trying to resolve this issue where some employees said I would be refunded the money since this is not a mandatory charge, as I was told that it was. I was also charged an age differential of $114. The same employee made this requirement of the woman before me in line. I asked repeatedly where it was written that this charge was required, and I was told "on the website", but when I called I was told that it was not required and I would be refunded once the car was returned. I disputed the charge with my credit card issuer and won the dispute. Budget gave the charge to Joseph, Mann & Creed which billed me. JMC led me to filing a dispute but would not tell me any information or deadline of when this would impact my credit. I completed their dispute form for the fraudulent charge. I have not received a response. Thrifty never took this issue to small claims court and there is no legal order to enforce.

  Business response

  03/08/2022

  A dispute was received by our agency on 2-16-2022 and sent to The Hertz Corporation. Unfortunately, we have not received a response regarding that dispute at this time. Due to the BBB complaint received, the account has been closed by our agency and returned to the original creditor. No further attempts to communicate or collect the debt will be made. We do not report debt on behalf of our client to any credit bureaus. Please see a closure letter and documentation attached. Thank you.

  Customer response

  03/09/2022

  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

  02/28/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Received a letter from Joseph, Mann and Creed regarding a debt that I do not owe. I am requesting this be removed from my credit report before I get my lawyer involved for fraud.

  Business response

  02/28/2022

  This account has been closed with our agency and returned to the original creditor. We do not report debt on behalf of our client to any consumer reporting agencies. Please review the attachment provided for further information and feel free to contact us if there are any further questions. Thank you.

*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. ↩