Complete Credit Solutions, Inc. is a collection business in Bedford, Texas, in the Dallas–Fort Worth area, that started in 1999. If it contacts you, it is trying to collect a past-due account.
- Type
- Collection agency
- Also known as
- Complete Credit Solutions, Inc.
- Headquarters
- Bedford, TX
159 debt collection complaints were sent to the Consumer Financial Protection Bureau about Complete Credit Solutions, Inc. from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is Complete Credit Solutions?
Complete Credit Solutions, Inc. is based at 2921 Brown Trail, Suite 100, in Bedford, Texas, between Dallas and Fort Worth. Its Better Business Bureau profile lists a start date of September 27, 1999, names William "Bill" Edwards as owner, and places the business in the debt buyer, collection agency and asset recovery categories. We could not locate an official company website, so we have not listed a phone number here; use the number printed on any letter you receive, and confirm it independently before paying.
We did not find a CFPB enforcement action against Complete Credit Solutions.
Why Complete Credit Solutions May Be Contacting You
We could not verify which creditors or industries Complete Credit Solutions works for, or whether a given account is one it owns or one it collects for someone else. That makes the first letter especially important. It must say whom the debt is owed to now and, for most consumer debts, who the original creditor was. If the company bought your account, it is the creditor and may be the plaintiff if a suit is filed.
Because the company is in Texas, it is also subject to the Texas Debt Collection Act, which requires third-party debt collectors and credit bureaus to file a surety bond with the Texas Secretary of State before collecting from Texans (Tex. Fin. Code § 392.101). See do collection agencies have to be licensed in Texas?
How to Check a Debt Complete Credit Solutions Says You Owe
- Get the validation notice and keep the envelope. The notice must name the current creditor and itemize the balance since a reference date (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). The postmark helps you track your dispute deadline.
- Dispute in writing. Send a written dispute within the validation period and ask for the original creditor's name, the account number it used, and the date and amount of the last payment.
- Ask whether it owns the debt. If it purchased the account, ask for the bill of sale and the record identifying your account in the purchased portfolio.
- Look at the age of the account. Texas generally allows four years to sue on a consumer debt (Tex. Civ. Prac. & Rem. Code § 16.004). A debt buyer may not sue, or threaten to sue, on time-barred consumer debt (Tex. Fin. Code § 392.307). Other states have their own periods. Read our note on Texas H.B. 996.
What Complete Credit Solutions Can and Can't Do
If it collects consumer debts owed to others, it is a "debt collector" under 15 U.S.C. § 1692a(6). If it buys defaulted debts and collecting them is the principal purpose of its business, it is also a debt collector under the FDCPA's principal-purpose definition, even for debts it owns; Henson v. Santander Consumer USA Inc., 582 U.S. 79 (2017), addressed only the separate "owed to another" prong.
- It may not call more than seven times in seven days about one debt without a presumption of harassment (12 C.F.R. § 1006.14(b)(2)).
- It may not threaten to garnish your wages for an ordinary consumer debt; Texas law generally does not allow that (Tex. Const. art. XVI, § 28).
- It may not falsely threaten arrest or criminal charges (15 U.S.C. § 1692e(4)). See can a collector threaten arrest or jail?
- It must stop most contact once you ask in writing (15 U.S.C. § 1692c(c)).
Visit our FDCPA attorneys page if a collector's conduct concerns you.
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Complete Credit Solutions or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- BBB business profile: Complete Credit Solutions Inc (business facts only)
- CFPB enforcement actions search
- CFPB Consumer Complaint Database: Complete Credit Solutions, Inc., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Complete Credit Solutions has violated any law. Company details change; tell us if something here is out of date.