Business Profile
Collections Agencies
Commercial Acceptance CompanyThis business is NOT BBB Accredited.
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Complaint Details
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Initial Complaint
01/12/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
THIS BUSINESS IS HARASSING FAMILY MEMBERS OF MINE. PLEASE STOP CALLING ESPECIALLY WHEN I NEVER THEIR PHONE NUMBER IN THE FIRST PLACE. STOP CALLING.Business response
01/12/2023
We have removed all phone numbers on file and per the consumers request, we will no longer contact her by phone again.Customer response
01/17/2023
Complaint: ********
I am rejecting this response because:
I have no idea why you are contacting me or trying to reach me but you guys need to stop harassing my family members. They have no reason to be involved in something that doesn't require them to be. And I would also like to know why you are contacting me. I never got details as to why and I am not contacting an office that I have no info about or what the reason is.Contact by the business; Explanation of charges
Regards,
***********************Business response
01/20/2023
As stated in the prior response, we will no longer be reaching out to anyone in attempts to obtain location information for ****************. We have also marked the account as a cease & desist per Ms. **************************** Due to the nature of our business, we will be unable to provide details on a public forum as to why we were attempting to contact ****************. She may feel free contact our office directly to discuss the matter.Initial Complaint
12/20/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am not liable for this debt with ***** ******* *** and do not have a contract with COMMERCIAL ACCEPTANCE Account ******XXXXXXXXXXX They do not provide me with a validation of the debt. Please provide me with the following: • What the money you say I owe is for: • Explain and show me how you calculated what you say I owe: • Provide copies of agreement bearing my signature stating that I agreed to pay what you say I owe. • Provide a verification or copy of any judgment if applicable: • Identify the original creditor: • Prove the Statute of Limitations has not expired on this account: • Show me you are licensed to collect in my state: • Provide me with your license numbers and Registered Agent or Agent of Service: Delete this account for inaccurate reportingBusiness response
12/21/2022
A written request for validation had been received from consumer on 10/21/22 and we had sent out the verification of the debt on 10/22/22. I will resend the information out today. The account has also been listed as a dispute with the credit reporting agencies. The consumer can feel free to contact us with any further questions and or concerns.Initial Complaint
12/08/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
This was on my credit report since July 2015 which is now 7 years and 4 months for $236. I have contacted this company this year and was sent to a lady named ******** (phone# **********) who is supposedly the person I should be speaking to. I tried to speak to her about this account and she initially had no information to give me. She kept asking my bank information and would not listen nor give me any information. She then called me multiple times to "collect money" the last call i received she said "so you are not going to pay this?" i asked for information on this account she said "so no, bye." and hung up the phone. I then called right back and got her VM then I called again her "assistant" answered and asked if I was ***************************. I said yes I would like to speak to ******** she called me less than 2 minutes ago. Her assistant told me that she had left the office awhile ago. I left ******** a voicemail and she never gave me any information on this account. I want this charge-off to be removed from my credit report as soon as possible.Business response
12/20/2022
**************** contacted our office on 8/23/22 and asked for us to stop calling her, which we have. **************** had made a payment on the account 2/24/17 and balance left remaining due in full. **************** may contact us to discuss resolution.Customer response
12/20/2022
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
Complaint: ********
I am rejecting this response because: I was harassed and spoke to rudely by your employee ******** when I asked for information regarding this account.
Regards,
***************************Business response
12/21/2022
I have reviewed the call recordings and have dealt with it appropriately. I have also requested the documentation from our client and will mail out to the consumer at the address provided in this complaint once I have received it. The consumer may feel free to contact our office with any further questions and or concerns.Customer response
12/28/2022
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
Complaint: ********
I am rejecting this response because: this company should already have the information, since I was contacted and spoke to rudely about giving payment methods on an account that you do not even have the information on.
Regards,
***************************Business response
12/28/2022
The verification of the debt has been mailed out to the verified address as of December 27, 2022.Initial Complaint
12/04/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debtBusiness response
12/06/2022
The account has been closed and a request for deletion has been sent to the Credit Reporting Agencies.Initial Complaint
11/29/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
I just recently looked at my credit profile and discovered that "Commercial Acceptance Co." is reporting a debt that does not belong to me. This is a medical debt, so not only have they not verified that it belongs to me but they also have not provided me my HIPAA authorization stating they have permission to have my medical information in the first place. I have sent dispute letters to "Commercial Acceptance Co." and have not received a response. Please remove this account from all credit bureaus (**********, *******, ********) immediately, as it is severely damaging my credit health. Opened: February 20th, 2019.Account #: ****************Business response
12/05/2022
The account has been closed and a request for deletion has been made to the Credit Reporting Agencies.Initial Complaint
11/29/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
The complaint is that this company is a complete predator looking for money where it doesn't exist. I paid a medical bill over 4 years ago, there was a dispute with the insurance company not paying the claim which at that time *** sent the outstanding bill to collections. After talking with *** and fully going over the insurance claim they real;zed the bill was in error and the bill was paid in full. Commerical Acceptance has sent this claim 4 different times over the last 3 years to collections effecting my credit score over 40 points at each entry even though the bill was paid in full in June of 2019. I have contacted *** about what has happened and they assured me this would not happen again, *** cannot control what Commerical Acceptance will do and its only a matter of time that they do it again. I have had the collections taken off my credit report all 4 times and I would guess that they will do again. This is a predator company looking for quick money and I can only imagine how many elderly people they have swindled into just paying them to make it go away. I am not looking for any money or pursuing anything except this company should not be able to do what they are doing and get away with it.Business response
12/05/2022
We have verified that the account has been paid in full and a request for deletion has been made to the Credit Reporting Agencies.Initial Complaint
11/28/2022
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
This business called a private personal cell phone gave violated hippa tcp and my right to privacy by giving out my personal information to a third party and calling a cell phone violating me and my right to privacy exposing me to safety and compromising me and my Identity this company is a collections agency furthermore I never received any previous noticesBusiness response
12/01/2022
I HAD PULLED THE CALL RECORDING AND FOUND THE REPRESENTATIVE CALLED A PHONE NUMBER THAT HAD BEEN PROVIDED TO US ATTEMPTING TO CONTACT THE CONSUMER. THE FEMALE ON THE OTHER LINE WOULD NOT ID HERSELF SO REPRESENATIVE ADVISED SHE COULD NOT DISCLOSE ANY INFORMATION. THE REPRESENTATIVE DID NOT DISCLOSE WHAT THE CALL WAS IN REFERENCE AT ALL. A NOTICE HAD BEEN SENT ON 11/10/22 TO SAME ADDRESS LISTED IN THIS COMPLAINT. PER CONSUMERS REQUEST, WE WILL NO LONGER ATTEMPT TO COMMUNICATE WITH HER.Initial Complaint
08/11/2022
- Complaint Type:
- Customer Service Issues
- Status:
- Resolved
This company is calling about and harassing family members, trying to contact me - my number is not private, they have it. They have no right to be harassing family (and ex-family) members! First known event occurred today 8/11/22 when I was notified by a family member that they were called twice.Business response
08/15/2022
We were unaware of a good contact number for the consumer so we were attempting to obtain location information only. We will have no further communication with the consumer per her request.Customer response
08/15/2022
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.
Regards,
*************************Initial Complaint
06/15/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
I spoke with ***************** Hospital concerning my bill and received approval for financial assistance due to being a PhD student. I was informed by the supervisor that if I paid the remaining balance (45% or $602) from the original 1339, that the account would be brought back from collections and it would be closed. They said they have approval for commercial acceptance to close the account. Commercial acceptance needs to close this account as I had been informed on multiple occasions that it is closed and should no longer affect my credit. The original bill went to the wrong address and when I finally was able to apply for financial assistance and take care of it, I was informed would be closed immediately. I am furious at the irresponsibility of the agency to not follow through on their word and close the account.Business response
06/16/2022
The account had been closed by client on June 9, 2022 and a request has been made to the credit reporting agencies to be deleted.Initial Complaint
03/06/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
They are reporting an account on my credit report that I've never been contacted about. I have tried to contact them and they won't respond. I've disputed the account several times and they keep verifying it. These are unfair practices. If I've never received any information and they refuse to respond to inquiries through their website, how am I supposed to resolve it. The original delinquency date is 6/2015 and I'm tempted to just let it fall off. Ideally the company should remove it now. I don't have much info on the account 99* balance $633 medical/healthBusiness response
03/22/2022
We have obtained the verification today and will be out in the mail to you within the next few days. Please feel free to contact us directly with any questions or concerns.
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Contact Information
Customer Complaints Summary
82 total complaints in the last 3 years.
34 complaints closed in the last 12 months.
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