Financial Credit Network contacted me regarding a water bill that occurred after my lease ended. When I called, I informed them that I had proof I moved out and was no longer responsible, but they told me over the phone that they would not review my dispute. I still sent a written dispute with supporting documents, and I am now waiting for a response. Based on my experience so far, they do not seem willing to verify information before trying to collect. read more

They don't know the law OR their own business! If you mailed their client a check and wrote on the "for" line "Full and final payment," and the client cashed it, that's it; your obligation is done. Second, once you write them "Do not contact us again," they're not allowed to contact you again, period. Report them to the FTC and/or DOJ. --Fair Debt Collection Practices Act read more

Took my money but never reported it to any collection agency. It's still occurring finance charges! These people are frauds and should be put in jail for what they've done! I'm a senior citizen on a fixed income and my children helped me to pay this. I first made an initial fee and then monthly until it was paid in full. Which ended up with me paying over $200 more than the original bill. They take advantage of the elderly, in my case anyway. Now I can't find a way to contact them. The phone number listed on the internet just rings and rings, you can't even leave a voicemail. read more

These people are scandalous, my daughter has been paying on her bill monthly and has her bank statements to prove the money is being taken out of her account every month and they still filed a lawsuit. My daughter has not gotten ANYTHING from financial credit Network regarding the lawsuit she only found out about it because someone saw it on the courts website. I HATE FINANCIAL CREDIT NETWORK WITH A PASSION. read more

Bottom Line: They say that they want to make a difference in their community but they don't say which community. Now I'm not going to say they have mafia like tendencies but they kind of do. Go to their website, look at this big beautiful house that we have! We clearly dont care what your financial situation is, we just want the money. If you're not already quoting Goodfellas, you probably will soon and if you haven't seen it yet, may shame be upon the family (please insert your legal family name here) and then you need to feel some shame. After my daughter was born, we had a lot of bills for different doctors. My wifes doctor(s), my daughters doctor, my sons doctor, my doctor - there were many bills and we paid all of them. I know this because I had to prove that I paid them, OVER and OVER and OVER AGAIN. I went to the bank and got proof that the balance in question was paid - this was not sufficient. For the people on the other end of the phone, I didn't experience any of the "kindness" that they so proudly brag about on their site. They also brag about "exceptional customer service" none of which I experienced. The only thing I experienced was weekly and sometimes daily calls from someone on the other end who was occasionally out of line, demanding payment for bills that I already proved that I paid. The number 1 cause for bankruptcy in this country is....take a guess...medical bills! That's right! If you guessed correctly you'd better pray to something that you never get cancer. Its not exactly cheap. My mother is losing the fight with her second round of cancer at the moment. Her monthly medication and doctor bills are four figures. She spends a fair amount of time with collections agencies even when there is a slight misunderstanding between the doctors and the billing. So come home after double mastectomy and field calls from angry collections people. Yes they did this. That's how they gave back to my community. So the likelihood of these folks calling people to pay a bill that they cant afford in order to possibly stay alive is fairly high. If it's a medical bill, and they are being called by a collections agency, there is a very real chance they simply can't pay it. Or they are choosing to have a place to live instead of repaying a bill they have already paid. My son has severe nut allergies - I have no idea why. Nobody in the family has any allergies but here we are. Every time someone gives him a nut by accident like on a croissant, Kringle (marzipan) or a slice of cake (almond extract...seriously Almonds are everywhere) we have to give him a shot from the Epipen (ask me how much THOSE cost to have around, and give to the grandparents, and replace after they expire annually. Google: epipen price increase, for some light reading). After he gets a shot from the Epipen he has to go to the emergency room (mind you an ambulance ride today will run you around $1500 out of pocket unless you can get the insurance to cover it, which they sometimes do. Ask me how I know). Then you have emergency room costs which also have out of pocket expenses on top of what is billed to your insurance. So you can see, if my son goes to a birthday party and someone hands him a piece of birthday cake, an almond, cashew, chestnut, macadamia nut, pecan, pistachio or walnut, a cookie, or some Nutella (my poor kid will never know the taste of Nutella... if that doesn't crush your soul a tiny bit, you are a robot. Go power down) it will cost us four figures to keep him alive. Every time. If that somehow happened a few times in one month, I would lose my house. That is a fact. Since my daughter is still in diapers, its going to be some time before my wife can go back to work so I'm working two and three jobs so that we can afford to live in a place that has things like parks and schools, and so that my wife can drive a car that's safe, and so that my kids dont have to exclusively get hand me downs for their birthday. People and life are not black and white. We constantly find ourselves in situations beyond our control which makes companies like this...well not evil but certainly not good. The real bottom line is that companies like this mess around with peoples lives in a very real way. You're kicking people when they are down and a lot of the time in this day in age, they didn't do anything to deserve to be down or to be kicked. They certainly don't have all the answers. You say that you want to give back? You say that you want to make a difference in the community? Why dont you get on the phone with pharmaceutical companies that are raising the cost of medications thousands of percent instead of trying to extract that from people who are trying to stay alive? You might sleep better at night. read more

Financial Credit Network - Debt Relief Services Near Me - Visalia, California

Called me saying I owe money to the fire department for pulling up to the scene of an accident I was involved in. I told them the fire department didn't do anything to me other than check my blood pressure and that's it. Lady on the phone said I would need to send in proof that they didn't do anything to me. How does that even make sense? How about you prove you guys did anything to me first before sending it to collections? I did have insurance too by the way they obviously didn't even contact the insurance for payment and just sent it to collections instead. Way to ruin peoples credit history... read more

These people have been following up with me about a late fee left over from my last apartment. I called LADWP, the actual power company, to see if they were using "fcnetwork" as a partner or collection service and they said they were not, that they do not use outside collection agencies. These guys might do some legitimate work, but they were scamming me. Shameful fools. read more

I don't answer their calls. if you have google voice, simply mute their number and you'll never hear from them again. gv goes straight to a voice mail message that says "this number is no longer in service" i've been screening/not answering their calls for many years, and they just started leaving a message once in awhile. everything i've read about them makes me feel very sad for people that don't know any better and answer their calls. if you do want to pay down your debt, there are many other options, don't choose to deal with them just because they phoned you and they make it seem like they're in charge. read more

Collection for Cal Water? for a bill I never received, no demand letter, no past due notices, nothing? After I already paid a bill for the same time frame? Scam? using Cal Waters info? Very odd. I'd be careful. read more

This Financial Credit Company does not deserve a 1 star rating. They kept on calling without leaving a message for a reason. Their business manner resembles of scammers. read more

I dealt with this company over a debt which was mine. They were honest with me and did exactly what they promised by deleting my account once I paid it. I appreciate them working with me and doing what they promised. read more

Just learned about this debt as I had moved after my divorce and ex likes to go through and dispose of my mail. In the process of trying to get in a house, contacted FCN, paid my balance, and was told I would have a letter via email in 5 days from payment showing paid in full. Called on day 3 to reconfirm, yes you will have it day 5. Day 5, no email. Called and was told they have to request the letter and I would have it the following day. Day 6, no email. Called again, to be told the request was just done that day and I wouldn't get it until the following week being 10 business days. Three different employees, with three different procedures and they failed on each one. I am now homeless because they failed to provide that letter via email on day 5 as I was assured. Its unfortunate that they lack integrity and standards to run a business, hence the ratings. Comical, they don't provide an option for reviews on social media. read more

They want to charge you more than the original debt. No negotiation. They give you fake names, when you call back, no one knows who you're talking about. Finally, their website says they focus on getting results with kindness. They were not, in the least bit, kind. read more

I know nobody necessarily wants a call from a debt collector, but I just had a lovely interaction with them because of a gas bill I didn't know about. Anyways, it's resolved and I feel like this is a business like a meter man; one that everyone hates by nature of what it is... but for what it is, they were very kind, diligent and professional with me. read more

Just so everyone is aware.. these guys are shady. I understand they are working with collections and not always a fun job, however, they are so shady. Pretty much a different answer every time I call them. I was simply trying to get a receipt for a invoice paid and it has now been a week and I have nothing. Be careful what you do with them.... I am having my accounting group file a report with the BBB. read more

This company not only cannot get their documentation correct but they allow bigotry as well as sexism and anti-sexism defamation of character and more I was repeatedly called ma'am by one of the agents no less than five times during a phone call even though I explained to them I was a male and I was called ma'am then I asked for the supervisor and she supported this anti diluvian statement by her agent the bigger problem here is is that this company thinks that it's okay that just because two people are married automatically one is going to be a woman that automatically tells me they're very christian-based I'm a gay man and was treated like dirt read more

I never received my final bill from socal gas. A couple months later, I check my credit and the only negative mark I have is from this company in collections. I paid it immediately and explained to them I never received the closing bill. I asked them politely to please remove this from my credit and they said it's not company policy and all they can do is mark it collection paid in full. This has had a damaging effect on my credit and has contributed in getting denied for anotcar loan, renting houses etc. I'm requesting that the owner Alicia Sundstrom please take a look at this and consider how much harm you are causing your customers after they pay you by not updating your policy's. Financial credit could be a compassionate, positive collection agency that does not ruin people's lives... I just wish the owner would realize the damage she is causing people especially to the customers who were unaware that they owed money until it pops up on your collection report and then it's too late for any hope even after its paid. read more

I know what exactly happen, my cellphone number previous owner owe a lot debts, they keep calling his old number which is my current phone number and tell me I owe the debts , don't even verify who you are... SCAM!!! read more

Just got a very rude phone call from a rep of this "organization". She refused categorically to identify yourself (good think that I have number identifier), instead insisted on me verifying personal information that may be used for identity theft. Don't give up your personal info to these crooks! read more

They lie to you and tell you that if you do a payment option they will not report to your credit bureau. Bold face lie I only had one more payment of $85 and they reported me. Also their employees and management are extremely rude andI had a great credit score and still do but every point hurts that is taken offeverybody makes a mistake in their life I pay all of my bills on time but for some reason never saw this bill from an ortho scopic surgeon for $130I am one who cares about my credit and then extremely upset that they told my wife that they would not report but yet they did anyways. Don't believe anything that they say it's all lies. Next stop reporting them to the Better Business Bureau read more

This company is awful... they lie to you saying if you pay a certain amount of money than you can pay the rest off with no interest... they just got 2000 dollars out of me for a 1500 dollar bill my insurance company wouldn't pay... I'm a teacher and they wouldn't work with me... don't trust this company on anything they say...liars... they will not work with you read more

I've dealt with Financial Credit for 2yrs now. They are the most caring and understanding people and business out there. They value their customers first, and to me thats what matters. read more

They put a fake 26 year old unpaid debt of $1,504 on my credit rating for a Kawasaki I bought in 1988 through Household Retail Services via the dealer and paid the bike off early in 1991 and received the pink slip. In 1993 I sold the bike with the pink slip or I could not get DMV to allow me to sell a bike that was not mine legally! They insisted I owed this debt and never paid for the bike. I said, ok since I never paid the bike off and never got a pink slip , if I pay the $149.99 to squash the 26 yr old $1,504 debt you insist I owe, then you will send me the bikes pink slip or authorize my receiving the pink slip ! They openly admit they have no pink or title and cannot get me one even after paying the alleged debt on the bike ! Of course I knew there was no way they could give me title or the pink slip and thought this was enough to prove to them this was ridiculous, but nope! they continue to damage my credit knowingly posting data they know to be false. I learned that these companies can renew expired statute of limitations of 20 plus year old debts by tricking people into paying anything on the alleged debt! They know they are wrong yet refuse to do the right thing hoping to blackmail me for $149.99 ! There are a lot of stories on Google regarding Household Retail Services and Kawasaki's financed in the 1980's. read more

Their motto is : Dont confuse me with the facts. They do not send paper bills. They simply ruin your credit and you may not know it until a few years goes by when you apply for credit. They do not play fair. They charge interest on top of interest. You may need to get an attorney. Do not trust them. read more

Do we have to leave a star? Ignorant, rude, unprofessional , NASTY! They flat out lie! How is that they are legally operating?? This must be the default company that lazy billing offices use when they send a late bill. Unfortunately, the ob office that delivered my baby sent a bill 8 months late. They billed incorrectly, past the 6 month dispute period, leaving me with zero options to dispute the bill, so I end up dealing with these bastards. Worst experience of my life tainted one of the best experiences of my life...the birth of my baby. Stupidest, nastiest people on the planet get hired here! I can't say enough bad things, but then it gets redundant. read more

FCN are the rudest cruelest people and even if you don't owe the bill they claim you do, they won't listen. They ruin your credit and hold onto you like a vice grip for years, and are unreasonable. They will not work with you, or help you. Even when you write to them, they don't call you back, they make you suffer. They are the worst and most arrogant, and if you value your customer service, and customer retention, I would highly recommend you NOT send FCN - Financial Credit Network, your business. read more

They're writing me and calling me regarding a fictitious bill. I've contacted the supposed originating company and no such bill ever existed. BEWARE. They're operating a scam. read more

When you have a problem they go above and beyond to help find a solution , very courteous, very friendly people oriented, owner truly cares about people and helping them read more

Watch out for these folks as they are professional liars! A year after my rental house was vacant and empty for a few months I received a "bill" from the city for a sewer charge along with an apology about being so late due to bookeeping errors. I called the "collection department" which turned out to be a collection agency in Phoenix (the house is in California) and told them I owed nothing as the house was vacant therefore no sewer was used and I had no account or agreement with the city to pay for non-useage of utilities. They told me I owed the bill and I said please sue me, I would be honored to meet them in court. I also promised if they attempted to hurt my credit rating I would sue them personally. Now a couple of years later the "debt" has been sold to another bottomfeeding group, FCN. They called and I again told them the facts, then they sent a warning letter promising to hurt my credit if I did not pay them. I again said please sue me so I can end this farce and they said they do not sue for such a small amount. I replied that with no judgement there cannot be any ordered payment but they said they would collect the money anyway. They also denied having bought the "debt" , claiming to work for the city. I also promised them personal lawsuits if they attempted to hurt my credit rating. I can and will do just that if needed. Just tell them to leave you alone or pursue a lawsuit in any court for a legal judgement and promise to seek punishment for them for any continued harassment. read more