ComplaintsforGeneral Credit Services Inc.

• Initial Complaint

  14/11/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  General Credit Services *** has put a collections account on my TransUnion credit report for *****. I am requesting any and all detailed verifying information of this account including but not limited to, proof of debt, original contract, original final bill amount, statement of account, proof of first date of delinquency, proof of last payment, proof of account cancellation, and statement of interest and fees. I request that this information be given to me promptly and without delay so that I may verify the legitimacy of this debt. If this debt is not legitimate or the requested information cannot be promptly provided I request that the account be removed from my credit reports immediately.

  

  Business response

  14/11/2024

  Dear ****** ******,

  I have ordered copies of your contract and statements going back to the date of last payment to ***** which is October 1st, 2019. As soon as they are received, I will forward the information to your personal email address at ********************************* as the BBB portal will not be able to accept a large file. 

  Sincerely,

  **** ******, CCO

• Initial Complaint

  06/11/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I am not liable for this debt with *****, I do not have a contract with General Credit Services, they did not provide me the original contract as I requested.

  

  Business response

  06/11/2024

  Dear ******** ****,

  Please provide an account number or a screenshot of what you are viewing on your credit report as we have several accounts under the name ******** ****. In addition, please be advised that we are the authorized agent for ***** and we have the authority to add a past due account as a ********************** item on your credit report. You can also email ************************************** and request copies of your contract and statements that support what you are seeing on your credit report.

  Sincerely,

  **** ******, CCO

  Customer response

  07/11/2024

   
  Complaint: 22521239
  
  I am rejecting this response because: I don`t have contract with them which I can provide. 
  
  Sincerely,
  
  ******** ****

  

  Business response

  07/11/2024

  Dear ******** ****,

  As I mentioned in my initial response, I need an account number as I have several accounts under the name ******** ****. If you cannot provide an account number, please send me a screenshot of this account as it appears on your credit report. When I locate the correct account, I will provide you with the details.

  Thank you,

  **** ******, CCO

• Initial Complaint

  05/11/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  On September 26, 2024, I sent an online banking payment in the amount of $92.72 to General Credit Services to pay off the debt on my ******************** account *********** associated with General Credit Debt # DG877450. I have repeatedly requested written confirmation from General Credit Services that this debt has been paid in full and that I am released from further liability in this matter. I have not received any responses. I require written confirmation for my records.

  

  Business response

  06/11/2024

  Dear ******* **********,

  Please accept our sincere apologies for this oversight. Attached you will find your release and discharge for this matter.

  Sincerely,

  **** ******, CCO

  Customer response

  07/11/2024

   
  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.
  
  Sincerely,
  
  ******* **********

• Initial Complaint

  29/10/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this debt with *****. I do not have a contract with General credit services **** they did not provide me with the original contract as I requested.

  

  Business response

  29/10/2024

  Dear ******** ********,

  As stated in the release letter that you provided, this account has been paid and General Credit transmitted that information to the credit bureaus in 2022. Your credit report should show that you have paid and indicate that you have $0.00 owing. The inscription will remain on your credit history for a period of 6 years since the date of last payment. If you are not seeing the $0.00 balance on your credit report, please send us a screenshot and we will have it corrected.

  Thank you,

  **** ******, CCO

  Customer response

  30/10/2024

   
  Complaint: 22487558
  
  I am rejecting this response because:

   

  Dear **** ******,CCO
  
  
  To my understanding if I payed within the 48 hours of notice it would not be reflected on my credit and It should not stay on my inscription for a period of 6 years. Thats what was explained to me by a credit advisor, thats why that letter was sent to me to begin with so it could be removed from my credit history since I paid it off within the timeframe of notice so its should have never been applied to my credit. This has been affecting my credit and has been making my life hard to get credit approval for anything and I would like it removed. I was told that if I paid it right away it wouldnt affect my credit however it did and that was a lot of money to be paid on short notice and under pressure by agent who was handling my account.If I knew it was not accurate then I would have just paid it in instalments since it would affect my credit score either way.I just need it to be removed from my report cause it still shows ***** on my account and it says I missed 3 payment in 2023 month of may and thats inaccurate since I paid them off in 2022.I would like the account to be closed and to stop reporting no payment or late payment when the bill was dealt with 2 years ago ********* well as, it wasn't even my account , i had got the phone for a previously partner and because I had good credit or  a credit history I did him a favour by getting the phone for him but he missed a lot payments and then ghosted me and I had to take the decision to close the account with ***** and pay what was owed and remaining balance of contract agreement . And now I'm the one being penalized for it since its my credit that was used . I'm just looking for a fresh start and just want this fully removed from my credit , I don't want it to remain there for 6 years please.I tried to insert pictures with a file but it won't load but it shows that on my credit report that i have missed 4 payments with ***** in 2023 when i dont have an account with them and payed of my debt in 2022.

   

  Sincerely,
  
  ******** ********

  

  Business response

  06/11/2024

  Dear ******** ********,

  This account was under your name and ***** received a payment on July 13, 2022. Since they did not receive payment after this date, they sent your account to ******************** on November 14, 2022. Your account was already reported by ***** at this point, and they are the ones who added the missed payments on your credit report. When General Credit received your account, we reported the unpaid balance. When you paid the account, we reported it as paid. Today, if you see General Credit Services on your credit report, it should show a balance of $0.00. We abide by the credit reporting regulations as they are set in each Canadian province by consumer services. General Credit will not alter a consumer's credit history under any circumstances. We suggest that you consult with your local *************************** and they will confirm the regulations with you.

  Sincerely,

  **** ******, CCO

  Customer response

  07/11/2024

   
  Complaint: 22487558
  
  I am rejecting this response because: ***** is saying that they did not receive notice form you guys that it was paid off and the dates are inaccurate. Someone needs to do something either you or ***** , there should be no reason as to why I am being reported for late payments in 2023 when i paid it off in 2022 . That is effecting my credit score and i will not tolerate it .Look carefully at the attachments and let me know why is ***** reporting late payments in 2023 and after the date of payment in 2022. that is illegal since I've paid it off. Its either you didn't communicate with ***** til that date to let them know it had not been paid off or miscommunication betwen both but i will not be the victim of this . I need it removed. there telling me to call you guys and your telling me to contact them . everyone is giving me the run arround and i just want this removed and fix.
  
  Sincerely,
  
  ******** ********

  

  Business response

  07/11/2024

  Dear ******** ********,
  According to the Credit Karma extract that you have provided, it clearly shows that ***** is reporting this account. ********************** is not mentioned; therefore, General Credit has no say in what is being reported. In fact, we cannot send a request to have this entry altered or removed because it does not belong to General Credit. We cannot assist you because the entry on your credit report must be made by our company to proceed with any kind of request.
  We recommend that you speak with ***** about this entry or dispute it directly with Trans Union. 

  
  Thank you,
  **** ******, CCO

• Initial Complaint

  23/10/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This company has place derogatory marks on my credit even though I have spoken to agents on several occasions regarding a ****** **** payment. I disputed the charges with ****** and was told I owe them no money. I even sent them screenshots confirming ****** correcting this charge however over a year later they continue to try to get money out of my and have now cause my credit score to go down.

  

  Business response

  25/10/2024

  Dear ******* ********,

  According to the screenshots and evidence that you provided, we see the following.

  1)You received a $50 credit on February 7th, 2022

  2)Your balance was $0.00 on October 11, 2022

  3)Your balance was $76.30 on January 17th, 2023, and it remained unpaid. This balance has accrued interest until present day, and you now owe $107.78.

  To conclude, the information you provided confirms your outstanding balance and for this reason we will not remove this debt from your credit report. Should you decide to pay this outstanding amount, we will update your credit report to show that it has been paid.

  Thank you,

  **** ******, CCO

• Initial Complaint

  21/10/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this debt with general credit services. I do not have a contract with general credit services for both of them what's on my report.LP. they did not provide me with the original contract as I requested.

  

  Business response

  21/10/2024

  Dear ****** *****,
  Yes, you are liable for the debt/s reported on your credit report by General Credit Services Inc. The outstanding balance is due to our client,and we are the duly authorized agent for the creditor to whom you owe this balance. If you wish to obtain copies of the contract and statements of the account, they can be requested via email at *************************************** The inscription of this debt on your credit report will not be removed.

  
  Should you require an explanation of the regulations surrounding debt collection and credit reporting we recommend that you consult with legal counsel or your local consumer protection office.

  
  Thank you,
  **** ******, CCO

• Initial Complaint

  04/10/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I had been contacted by Credit Services *** January of 2024 about a ***** account that I had an over dude amount owing of $191.35. I made the payment to Credit Services ***. shortly after on January 4th 2024. I sent $191.35 via my banking app to the payee of General Credit Services with the account number attached to my file; ********. Six Months later I received an email from another collections agency; ARM regarding the exact same ***** account number; *********. As I had already paid this account balance to ******************************************* ***. I obviously had concern with the second collections agency coming after me. I contacted ***** regarding this situation and was told they would sort it out. A weeks later time they left me a message on my voicemail stating I must deal with Credit Services *** on my own. I then contacted Credit Services ***. regarding the issue and came to the conclusion with the customer service agent that I had in fact paid someone elses debt. Account number; ********. As this was the account number I was given through email thread with Credit Services ***. I requested they rectify this situation with ***** and the new collections Agency: ARM. I had attached all of my email threads to ***** and Credit Services ***. with all the information and proof of payment and have received zero confirmation that any actions are being taken to fix this problem. I have sent numerous emails to Credit Services *** and the agent there that was initially assigned to my case and have gotten no response from anyone. I now have no outlets to help me with this problem and am seeking help as I am still receiving emails from the second collections agency (***) and am sure my credit score has been hurt from this whole situation.

  

  Business response

  07/10/2024

  Dear ***** *****,

  Quite a messy situation, however, I am glad to report that our Finance team corrected the situation on September 30th and applied your payment of $191.35 to ***** account *********, our reference number DG380227. Our manager, ***** ***, will email you a release letter this week as receipt and proof that we applied your payment to your account. Please accept our sincere apologies for this error and feel free to contact me at ************************************** if you have further questions.

  Sincerely,

  **** ******, CCO General Credit

  Customer response

  09/10/2024

   
  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.
  
  Sincerely,
  
  ***** *****

• Initial Complaint

  04/10/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  im not liabe for this debt with ****************. i do not have a contract with General Credit Services. They did not provide me with the orginal contractas i requested

  

  Business response

  07/10/2024

  Dear Miho Basim,

  Our records indicate that you are liable for this debt. BMO sold this debt to our client CFG Canada Funding LLC who in turn engaged our services to collect this outstanding balance. I have ordered the statements and original contract and will forward to your attention as soon as they are received.

  Thank you,

  Enzo Scenna, CCO General Credit Services

• Initial Complaint

  02/10/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  General Credit Services has reported to collections items on my credit report and send me and email for payment. I do not owe these items and I have requested for Copy of contracts and Copy of lenders license. the refuse to provide any details. These items need to be removed from my credit report ASAP

  

  Business response

  03/10/2024

  Dear Farzin Masoudi,

  The collection agent you spoke with handled your request on October 2nd, 2024 with the creditor. We did not refuse to provide you with what you requested. We received a response this morning to close this account and remove from credit reporting. Please allow 10 days for processing and completion.

  Thank you,

  Enzo Scenna, CCO

  Customer response

  04/10/2024

   
  Complaint: 22364545
  
  I am rejecting this response because:

  I have yet to receive any response with regards to your message via email. As such I formally request that your resolution be sent to me via email
  
  Sincerely,
  
  Farzin Masoudi

  

  Business response

  07/10/2024

  Dear Farzin Masoudi,

  I fail to understand why you are rejecting my response. I gave you exactly what you asked for. I repeat; "We received a response this morning (Oct 3rd) to close this account and remove from credit reporting. Please allow 10 days for processing and completion." Isn't this what you wanted from the start? We closed the account in collections, and we sent a request to remove it from your credit report.
  Thank you,
  Enzo Scenna, CCO

• Initial Complaint

  17/09/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this debt with *********. I dont not have a contract with GCSI-*********** (General Credit ************ They did not provide me with the original contract as I requested.

  

  Business response

  24/09/2024

  Dear Danny Bergeron,

  According to our client, Alterfina, you have a contract with them (see copy attached and statement). Our client has mandated General Credit Services to collect the outstanding balance. Please review the attached and if you have further questions, feel free to email me at compliance@generalcsi.com or continue with the BBB portal. Your reference number for this case is DG805178.

  Sincerely,

  Enzo Scenna, CCO

  Customer response

  24/09/2024

   
  Complaint: 22297377
  
  I am rejecting this response because: 

  
  
  **Subject: Dispute of Debt and Request for Removal**
  
  Dear General Credit,
  
  I am writing to dispute the debt you claim I owe. While you have provided a contract with an original business, I want to make it clear that I do not have an initial contract or any agreement with General Credit. Therefore, I do not owe this debt to your agency.
  
  I formally request that you remove this debt from your records and cease all collection activities related to it. Additionally, if this debt has been reported to any credit bureaus, I request that it be immediately removed from my credit report as it is not valid.
  
  Please provide written confirmation once the debt has been removed and the matter resolved.
  
  Thank you for your prompt attention to this issue.
  
  Sincerely,  
  [Danny Bergeron]  
  [62 st . Antoine sud]  
  
  
  
  

  

  Business response

  26/09/2024

  Dear Danny Bergeron,

  According to our mandate from Alterfina and the supporting evidence we provided you, this collection item will be reported to your credit report. Unless you provide the reasons for your dispute and Alterfina agrees to remove this debt from collections, this will remain on your credit report for the allowable period permitted by law. We highly recommend that you consult with legal counsel or your local Consumer Protection office.

  Thank you,

  Enzo Scenna, CCO

  Customer response

  26/09/2024

   
  Complaint: 22297377
  
  I am rejecting this response because:
  
  
  Dear Enzo Scenna,
  
  Thank you for your response.
  
  However, I have not yet received a copy of the mandate from Alterfina that you referred to, which is necessary for me to properly evaluate and respond to this claim. As such, I request that you provide me with the mandate and any supporting evidence showing that I owe a debt with your company. Without this information, I am unable to verify the legitimacy of the debt or your authority to report it to my credit file.
  
  If you are unable to provide the necessary supporting documents, I ask that this collection item be removed from my credit report immediately.
  
  Please send the required information at your earliest convenience. Delay that they mentioned !
  
  Thank you,  
  Danny Bergeron
  
  
  

  

  Business response

  10/10/2024

  Dear Danny Bergeron,

  This is to advise you that the person at Alterfina responsible for providing a signed letter or attestation stating that General Credit Services Inc is the duly authorized agent for Alterfina, is currently out of office and will provide our office with the document and response upon her return. 

  Thank you,

  Enzo Scenna, CCO

  Customer response

  12/10/2024

   
  Complaint: 22297377
  
  I am rejecting this response because:
  
  

  
  
  
  Subject: Formal Rejection of Response and Immediate Request for Removal of Credit Report Item
  
  
  Dear Enzo Scenna, CCO,
  
  
  I am formally rejecting your response. It has been two months since this issue has appeared on my credit report, and it is deeply concerning that your office has yet to provide the necessary documentation to substantiate the reporting. As a responsible agent, such documentation should have been readily available at the time the report was made. The ongoing delay is not only unprofessional but also unacceptable, especially given the negative impact this error has had on my credit profile.
  
  
  In accordance with fair reporting practices, if you cannot promptly provide the proper documentation, the credit bureau must remove this information immediately. It is unreasonable to expect further delays for a matter that should have been resolved within the standard reporting period. As such, I am demanding that this item be removed from my credit report without further delay.
  
  
  Please consider this my final notice on the matter. I will not grant any further extensions or allowances.
  

  
  
  Sincerely,
  Danny Bergeron

  

  Business response

  16/10/2024

  Dear Danny Bergeron,

  Further to your request, our client has provided you the attached letter confirming that General Credit Services Inc. is an authorized agent
  to act on behalf of Alterfina in all matters related to the collection of past due accounts.

  This letter confirms our mandate regarding this matter. I trust the attached is satisfactory and we now demand payment in full in the amount of $1035.99

  to be paid via online banking to General Credit Services Inc. account # DG805178.

  Thank you,

  Enzo Scenna, CCO
  

  Customer response

  16/10/2024

   
  Complaint: 22297377
  
  
  
  
  Subject: Formal Rejection of Debt Collection Attempt
  
  
  Dear Enzo Scenna, CCO,
  
  
  I am writing to formally reject your recent communication regarding the debt in question, as well as the attached letter of authorization. Upon reviewing the authorization document, I have identified a significant discrepancy in the date. The letter is dated October 16, 2024, which further undermines the legitimacy of this claim and raises serious concerns about its timing and validity.
  
  
  As I have previously stated, this debt has appeared on my credit report without proper substantiation, and your office has yet to provide the necessary documentation to support this report. I HAD GAVE A TIME LIMIT AND NOT RESPECTED ALSO. In accordance with the Consumer Protection Act and fair credit reporting practices, if you are unable to provide proper documentation within a reasonable period, the credit bureau is legally required to remove the entry from my credit report.
  
  
  Additionally, it is important to highlight that without proper validation of the debt or the original terms, any collection activity, including attempts to add fees or request payment, would be in violation of federal and provincial laws governing debt collection.
  
  
  Given the ongoing lack of proper documentation and the procedural errors, I am formally requesting that this account be removed from my credit report immediately and that you cease all further collection activities. Please consider this my final notice, and failure to comply may result in further legal action to protect my consumer rights.
  
  
  Thank you for your prompt attention to this matter.
  
  
  Sincerely,
  Danny Bergeron
  
  
  

   

*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. ↩