This firm is NOT a BBB Member
https://www.bbb.org/akron/business-reviews/collections-agencies/joseph-mann-creed-in-twinsburg-oh-90026699
Joseph, Mann, & Creed - (216) 831-5626
I will get right to the 'suggestion' part of this blog:
1) They are not going to sue you for any supposed debt and,
2) With a little digging you find in their various BBB replies the statement from them that:
" Our agency does not report debt on behalf of our client to any consumer reporting agencies."
This means that they are a toothless tiger and simply rely on badgering supposed debtors until the weak willed decide to pay them something.
DO NOT BE FOOLED: This firm can do NOTHING but pester you with worthless threatening letters and/or obnoxious phone calls.
They can't sue and they don't report to credit agencies.
JUST IGNORE THEM.
Eventually they will stop wasting their time, particularly for small amounts. If you feel like wasting a stamp drop them a line and tell them you are not indebted to the company they represent and you do not want to hear from them again in the matter.
If they continue after that report them to the BBB as many others have done.
BBB Customer Review Rating last 3 years:
(as of 6/30/18)
[0] Positive Reviews
[0] Neutral Reviews
[3] Negative Reviews
[21] Total Customer Complaints
Composite Score:
Joseph, Mann, & Creed has received 3.68 out of 5 stars based on 3 Customer Reviews and 21 complaints.
17 years in business
8948 Canyon Falls Blvd STE 200
Twinsburg, OH 44087-1900
WEBSITE http://www.jmcbiz.com/
Fax Numbers (216) 831-5616
BBB File Opened: 02/10/2015
Business Started: 12/08/2000
Business Started Locally: 12/08/2000
Type of Entity - Corporation, Business Management
Ms. Lisa Stoughton, Chief Compliance Officer lisa.stoughton@jmcbiz.com
Mr. Perry M. Creed, President & Partner
Mr. Bill Mann, CEO & Partner
Business Category - Collections Agency
Contact Info:
lisa.stoughton@jmcbiz.com,
bill.mann@jmcbiz.com,
Perry.Creed@jmcbiz.com,
webcontact@jmcbiz.com
Ownership & Management
Bill Mann - Information Services
Bill is the IS and computer systems expert who plans and runs the invisible (computerized) part of JMC operations. Bill has over twenty years of experience in Information Systems. His central focus during the last fourteen years has been in the collection industry, writing and managing systems for receivables management and sales automation. Employing multiple platforms, he has designed and implemented tailored collections software solutions for various commercial markets including newspapers, yellow page advertising, transportation, publishing, and telecommunications.
Perry Creed - Operations
Perry has been a major player in the management of commercial contingency collections for over twenty years. He has professional experience in diverse segments of the collection industry, with a strong background as a collector, manager, and administrator. An administrative wizard, he keeps the personnel and hardware of JMC's collection operations running at peak client-oriented efficiency-from hiring and training personnel to designing and implementing new, better ways to serve the client.
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Joseph, Mann, & Creed What do victims of this firm have to say about them?
3/1/2018
DeAnna A. Negative -1 1
Review
I wanted the auto payment Diana and I set up to be taken care of one day early. I made the payment. The next day they auto drafted (with the same transaction number) anyways. I called to say they charged twice. She argued that I had 2 accounts and I knew what I was doing. (Placing blame on me). This was the first I had been told of multiple accounts. She had no regard for my current living situation. And I couldn't reach the manager Lisa.
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Joseph, Mann, & Creed 8/18/2017
Tyler C. Negative -1 1
Review
The guy who called me was very very rude, started yelling at me, fiserv ( the company I owed money to never contacted me), my bank nfcu told me they do not work with fiserv. This guy would not provide any proof of debt owed, all he asked for was my financial information
_____________________________
There are lots of complaints, here are a few, I'm not sure they are worth the time to read but if you liked these there are more on the BBB site.
Customer Complaints Summary
24 complaints closed with BBB in last 3 years | 5 closed in last 12 months
| Complaint Type | Total Closed Complaints |
|---|---|
| Advertising/Sales Issues | 7 |
| Billing/Collection Issues | 13 |
| Delivery Issues | 1 |
| Guarantee/Warranty Issues | 0 |
| Problems with Product/Service | 3 |
| Total Closed Complaints | 24 |
Date of complaint: 5/24/2017
Billing/Collection Issues
Complaint
I was sent a letter by Joseph Mann Creed dated May 1, 2017 regarding an alleged debt of $335.48 (JMC #*******). However, this debt amount of $335.48 is inaccurate, because their client Hertz has failed to provide the actual cost of repairs bill to me for the single tire damage. As per Hertz's own... Rental Terms below. Rental Terms Damage to the rented vehicle and other vehicles or property "Where it appears to Hertz that the cost of repairing the damage (plus the cost of repairing damage to any other vehicle or property with which the rental vehicle collided) may approach or exceed the amount of the Accident Damages Excess (ADE), Hertz will charge your credit, charge or debit card with the full amount of the ADE. If it later transpires that the actual cost of repairs are less than the ADE, Hertz will promptly credit the difference to your card." I have sent a dispute of debt and request for validation certified letter to Joseph Mann & Creed, delivered 5/18/17 (tracking number USPS ******** ************) and they have refused to sign for the letter (USPS *********** ***********). I am requesting Joseph Mann & Creed acknowledge my letter of dispute of debt and request for validation certified mail. And a billing adjustment for the actual repair cost for the correct amount of the single tire damage. I need the actual repair cost bill from an auto repair shop to satisfy insurance. I also demand Joseph Mann & Creed to remove all entries of this inaccurate debt from Transunion, Equifax and Experian. As well as immediately send a copy of my dispute letter to the original creditor Hertz, so they are also aware that I dispute the debt.
Desired Resolution 1) For Joseph Mann & Creed acknowledge my dispute of debt and request for validation certified mail letter. 2) A billing adjustment for the actual repair cost for the correct amount of the single tire damage. I need the actual repair cost bill from an auto repair shop to satisfy insurance....Consumer Business DialogBusiness
**** ********* ********* The following is our response to your notice regarding the above complaint: HERTZ Car Rental placed an account in the amount of $335.48 for ****** *** with our agency for collections on April 25, 2017. ... Please be advised our records indicate the consumer had previously submitted to this office on May 15, 2017 a letter of dispute. In an effort to resolve the consumer’s dispute, we have contacted our client, HERTZ Car Rental , who has confirmed the name and address listed on the account as well as the amount owed. Enclosed are supporting documents provided by our client that confirm the charges. 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. Our agency does not report debt on behalf of our client to any consumer reporting agencies. The closure of the file in our office does not insure that our client will not pursue the balance in another manner. HERTZ Car Rental is the sole owner of the accounts placed with our agency for collection. Should you have any questions regarding this account, please feel free to contact us at the number listed below. Sincerely, Lisa L*** Chief Compliance Officer Joseph, Mann & Creed ****************************** ***** ******** * *** ***** ********
Consumer
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.I'm pleased to know that Joseph, Mann & Creed will no longer pursue collection against me. However, I disagree with the documents provided by JMC. The Terms and Conditions I agreed to was to pay for the cost of repairs. Nowhere in the documents provided is the actual cost of repairs for a single tire. Hertz has continually refused to provide the auto shop repair bill for $335.48 to me which my insurance requires.Thank you very much.
5/17/2017
Billing/Collection Issues
Complaint
I bought a 12 week subscription to the ***** ******. It was paid in full and was not renewable. I quit receiving the paper after the 12 week period. I have not received it since, and now they are sending me collection notices. I do not want this going to my credit report and I am not paying for...
Desired Resolution
I don't want any contact, I want this collection process to stop. I want no ill effects on my credit report. I believe it is a scam perpetrated by the ***** ******.
Consumer Business DialogBusiness
The ***** ****** placed an account in the amount of $30.02 for ******* ******* with our agency for collections on May 8, 2017. In an effort to resolve the consumer’s dispute, we have contacted our client, ***** ******, however, our client has been unable to verify the debt as requested....Therefore, we have ceased collection of this account and have returned the account to our client. 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. Our agency does not report debt on behalf of our client to any consumer reporting agencies. The closure of the file in our office does not insure that our client will not pursue the balance in another manner. ***** ****** is the sole owner of the accounts placed with our agency for collection. Should you have any questions regarding this account, please feel free to contact us at the number listed below. Sincerely, Lisa L*** Chief Compliance Officer Joseph, Mann & Creed
Consumer
The ***** ****** placed an account in the amount of $30.02 for ******* ******* with our agency for collections on May 8, 2017. In an effort to resolve the consumer’s dispute, we have contacted our client, ***** ******, however, our client has been unable to verify the debt as requested....Therefore, we have ceased collection of this account and have returned the account to our client. 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. Our agency does not report debt on behalf of our client to any consumer reporting agencies. The closure of the file in our office does not insure that our client will not pursue the balance in another manner. ***** ****** is the sole owner of the accounts placed with our agency for collection. Should you have any questions regarding this account, please feel free to contact us at the number listed below. Sincerely, Lisa L*** Chief Compliance Officer Joseph, Mann & Creed
Consumer
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.
1/24/2017
Billing/Collection Issues
Complaint
This firm sent me a letter on 11/02/2016 stating that I owe $46.42 to the ********* ***** ******. I paid Joseph, Mann & Creed that same day and it was paid via my checking account on 11/08/2016. They stated that once I pay the bill, the ***** ****** would restart my home delivery as soon as...
Desired Resolution
I would like Joseph, Mann & Creed to acknowledge that they received my payment of $46.42 on 11/08/2016 and promptly tell the ***** ****** so that they will restart my home delivery. I would also like to know where the $46.42 went!
Consumer Business DialogBusinessThe following is our response to your notice regarding the above complaint: The ***** ****** placed an account in the amount of $46.42 for ***** ******** with our agency for collections on November 1, 2016. We received a payment from ***** ******** on November 11, 2016, and remitted to The ***** ... ******. I spoke with The ***** ****** today January 20, 2017, they are now showing the payment as being received. The consumer can contact them and restart her subscription. 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. Our agency does not report debt on behalf of our client to any consumer reporting agencies. The closure of the file in our office does not insure that our client will not pursue the balance in another manner. The ***** ****** is the sole owner of the accounts placed with our agency for collection. Should you have any questions regarding this account, please feel free to contact us at the number listed below. Sincerely, Lisa L*** Chief Compliance Officer Joseph, Mann & Creed
Consumer
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.
The Business addressed the issues within the complaint, but the consumer either (a) did not accept the response, OR (b) did not notify BBB as to their satisfaction. (14 complaints)
1/28/2018
Billing/Collection Issues
Complaint Details Unavailable
8/28/2017
Billing/Collection Issues
Complaint
April of 2017 I purchase with Homedepot three appliances with homedepot credit card. I tried 5/23/17 to paid via the homedepot credit card website the amount of $1152.69. I was not able to complete the payment via their website. They tried to pull the complete amount from my PNC bank account three...
Desired Resolution
I wish they stop contact at me and I do not owe either want of the company. I actually have a credit because I over paid.
Consumer Business DialogBusinessThe following is our response to your notice regarding the above complaint: ****** ***** ********* placed an account in the amount of $1.152.69 for ****** ******* with our agency for collections on July 31, 2017. In an effort to resolve the consumer’s dispute, we have contacted our... client, ****** ***** *********, however, our client has been unable to verify the debt as requested. Therefore, we have ceased collection of this account and have returned the account to our client. 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. Our agency does not report debt on behalf of our client to any consumer reporting agencies. The closure of the file in our office does not insure that our client will not pursue the balance in another manner. ****** ***** ********* is the sole owner of the accounts placed with our agency for collection. Should you have any questions regarding this account, please feel free to contact us at the number listed below.
7/21/2017
Billing/Collection Issues
Complaint
I have written a letter to the above agency asking to verify that I owe such amount. I have yet to receive anything that states that I owe the debt. I have no contract with this company.
Desired Resolution
I would like this to be removed from Experian report.
Consumer Business DialogBusiness
Dear ********* *******s, The following is our response to your notice regarding the above complaint: *** - Houston placed an account in the amount of $4,093.70 for ******* ***** with our agency for collections on August 2, 2013. The account was closed in our office on August... 14, 2014, and removal was requested from any credit reporting agencies. In an effort to resolve the consumer’s dispute, we have requested via e-OSCAR again that 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 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. The closure of the file in our office does not insure that our client will not pursue the balance in another manner. *** – Houston is the sole owner of the accounts placed with our agency for collection. Should you have any questions regarding this account, please feel free to contact us at the number listed below. Sincerely, Lisa L*** Chief Compliance Officer Joseph, Mann & Creed ****************************** ***** ******** * *** ***** ********
Dear ********* *******s, The following is our response to your notice regarding the above complaint: *** - Houston placed an account in the amount of $4,093.70 for ******* ***** with our agency for collections on August 2, 2013. The account was closed in our office on August... 14, 2014, and removal was requested from any credit reporting agencies. In an effort to resolve the consumer’s dispute, we have requested via e-OSCAR again that 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 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. The closure of the file in our office does not insure that our client will not pursue the balance in another manner. *** – Houston is the sole owner of the accounts placed with our agency for collection. Should you have any questions regarding this account, please feel free to contact us at the number listed below. Sincerely, Lisa L*** Chief Compliance Officer Joseph, Mann & Creed ****************************** ***** ******** * *** ***** ********
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https://www.indeed.com/cmp/Joseph,-Mann-&-Creed/reviews
2 Stars - Had potential
Client Services Professional (Former Employee) – Shaker Heights, OH – January 25, 2014
I loved this job, aside from the favoritism and being treated like my life was not important was the breaking point. There is a great potential to make lots of money here if you fall in line and friends with someone in high places. Most of the highest paid people have no background or education, or education that does not apply to the requirements of their position.
Pros
Depends on the situation
Cons
Cut throat, unethical
2 Stars - Company misrepresented bonus potential while showing an amazing amount of nepotism toward a select few. Benefits were awful, expensive.
Consumer / Commercial Collector (Former Employee) – Shaker Hts, OH – October 14, 2014
Typical collection call center. Prime business was doled out to the "inner circle" before it ever hit the dialer. Awful.
Pros
no dress code
Cons
no company loyalty, honesty
3 Stars - Difficult
Account Representative (Former Employee) – Shaker Heights, OH – August 18, 2012
In terms of collection agencies they are well run, but they have no growth potential so it's all about your bonus potential. Good health insurance while I was there.
Pros
health insurance
Cons
cut-throat
Report: Joseph, Mann & Creed Inc
Many consumers bring up complaints about harassing collection calls
Joseph, Mann & Creed Inc is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might calling, and how you can stop them.
Joseph, Mann, & Creed is headquartered in Twinsburg, Ohio, and was started in December 2000. This collection agency collects a huge selection of debt, such as insurance premiums, agent commissions, credit cards, lines of credit, paper and magazine subscriptions, in addition to taxes and fees owed to federal, state, and local authorities.
Joseph, Mann, & Creed are paid on contingency, meaning that they don’t get paid unless and until they obtain money from customers. This means that they’re highly motivated not to just get in touch with a customer, but also to ensure they obtain payment.
Joseph, Mann & Creed Inc Collection Agency Complaints
As of April 2017, the Better Business Bureau reported 35 closed Joseph, Mann & Creed complaints over the previous few decades, including 11 closed Joseph, Mann & Creed complaints over the past 12 months.
The BBB provides Joseph, Mann & Creed an A+ rating. Additionally, Justia lists five Joseph, Mann & Creed complaints filed in federal court in the past year alleging violations of the Fair Debt Collection Practices Act. Moreover, the Consumer Financial Protection Bureau (CFPB) lists 29 closed Joseph, Mann & Creed complaints for 2016.
The BBB provides Joseph, Mann & Creed an A+ rating. Additionally, Justia lists five Joseph, Mann & Creed complaints filed in federal court in the past year alleging violations of the Fair Debt Collection Practices Act. Moreover, the Consumer Financial Protection Bureau (CFPB) lists 29 closed Joseph, Mann & Creed complaints for 2016.
Joseph, Mann & Creed Collection Agency Address
Joseph, Mann & Creed, Inc.
8948 Canyon Falls Blvd., Suite 200
Twinsburg, OH 44087
8948 Canyon Falls Blvd., Suite 200
Twinsburg, OH 44087
Joseph, Mann & Creed Phone Number: 216-831-5626
Recognizing Your Debt Collection Rights
When a debt collector contacts you for the very first time, under the Fair Debt Collection Practices Act (FDCPA), they have to follow up with specific information that tells you more about the debt that they’re trying to collect.
This information must be in writing and must be sent within five days of the first contact. The letter should include the quantity of the debt, the name of the creditor to whom the debt is owned, and certain specific language.
The letter must inform you that, should youn’t dispute the debt in writing within 30 days, the debt collector will assume the debt is valid. If you dispute the debt, the debt collector is needed to supply you with the name and address of the original creditor, in addition to the amount owed.
This information must be in writing and must be sent within five days of the first contact. The letter should include the quantity of the debt, the name of the creditor to whom the debt is owned, and certain specific language.
The letter must inform you that, should youn’t dispute the debt in writing within 30 days, the debt collector will assume the debt is valid. If you dispute the debt, the debt collector is needed to supply you with the name and address of the original creditor, in addition to the amount owed.
Phone Numbers Employed by Joseph, Mann & Creed
Consumers report that Joseph, Mann & Creed utilizes Various numbers to set debt collection calls, including:
2165881139
2165881145
2165889944
2165889958
2166194746
2165881145
2165889944
2165889958
2166194746
Some BS on the web:
6/30/2018
Bill Mann - Crain's Cleveland Business
October 17, 2015 2:30 am UPDATED 7/23/2017
By SCOTT SUTTELL
In more than 20 years of working together, Tina Pereces has always seen Bill Mann as a can-do kind of guy.
“He’s very cool and collected,” said Pereces, the director of sales and marketing at Joseph, Mann & Creed, an accounts receivable management firm in Twinsburg that Mann helped found in late 2000/early 2001.
Pereces has worked with Mann and the firm’s CEO, Perry Creed, since 1992, when they all worked at a prior collection firm.
“You always know that what something is happening and needs immediate attention, he’s going to get done what needs to get done,” Pereces said of Mann, noting that was one of the reasons she was “willing to go along for the ride” with the launch of the new firm.
She said Mann and Creed both worked for nearly a year without taking salaries, instead plowing the money back into what has become a 75-employee company with annual revenues approaching $6 million.
Mann’s also “a great judge of character,” Pereces said, and has skills that go well beyond what might be seen as traditional CFO functions.
Indeed, the nomination noted that Mann “manages not only finance, but also technology, compliance and is a member of the sales team.” His responsibilities include “all finance and accounting functions, including strategic financial oversight related to budget management, cost-benefit analysis, reporting, efficiency opportunities, system integration and forecasting,” the nomination stated.
Mann also is “the mainstay behind the automation and systems development of our software solutions,” according to the nomination.
While handling such disparate duties, Mann “has maintained stability, managed risk and navigated Joseph, Mann & Creed during a challenging economy and the complicated, ever-changing business environment of our industry,” the nomination stated.
He also “recognized the need to diversify into international markets, which resulted in a partnership (with the) League of International Creditors. To that end, (he offered) guidance to mitigate risk when developing a plan for global efforts in order to comply with today’s changing” economy.
Mann is the former president of the International Association of Commercial Collectors and the current president of the Ohio Receivables Management Association.
He’s also a board member of BBB of Greater Cleveland and the past president and a current board member of the Beachwood Chamber of Commerce.
