A.C.S. Companies, Inc. I CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
06/12/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	TX 77386	Web
I wrote a check for {$9.00} to have my fingerprints taken in XX/XX/XXXX/XX/XX/XXXX. Before the company ( XXXX XXXX XXXX ) presented the check for cashing ( nearly XXXX months later ), I closed the bank account and switched banks. I did not close the account to avoid paying the check. However, when I closed the account, I did not realize the check had not cleared. I received a phone call in XX/XX/XXXX from XXXX at XXXX XXXX saying that I owed {$39.00} for a returned check ( {$9.00} for the check, {$30.00} NSF fee ). I told her I had no problem paying, but would not do so until I received something in writing verifying she was who she said she was. I advised her that the address on the check, although belonged to my parents, was not my address anymore and gave her my correct address. I did not receive anything in the mail until XX/XX/XXXX when I received a letter from Check Alert dated XX/XX/XXXX saying I had XXXX days to pay or the account would be turned over to a law firm. The letter was addressed to an address that does not exist and therefore not my address ( and certainly not the address on the check ). On XXXX XXXX, I received a letter from The XXXX saying I now owed a balance of {$370.00}. This letter was also addressed to the address that does not exist. I called the firm the following day, XXXX XXXX, and spoke with XXXX and explained what happened and she said they would work with me and she would have her supervisor contact me in a few hours when she got in the office. About XXXX hours later, since I had not heard anything, I called back and got in touch with XXXX, the supervisor. XXXX was incredibly rude. I explained what happened and told her that I was willing to pay what I believed I owed ( {$39.00} ). She told me they are not willing to work with me, other than establishing a payment plan to pay off the {$370.00}. Neither XXXX nor XXXX are attorneys and I was told I am not allowed to speak with XXXX XXXX, who is presumably the attorney of XXXX. I believe both companies intentionally sent the notices to the wrong address in an attempt to collect more money. This is evidenced by the fact that when I had my fingerprints taken, I completed a form that contained my address, the check I wrote contained my address, and they scanned a copy of my driver 's license. Additionally, as mentioned above, I informed XXXX that the address on the check was incorrect and I gave her the correct address. Further, XXXX is violating the laws of the state of Texas as it does not hold a surety bond as required by Tex. Fin. Code 392.101. The firm is considered a debt collector under XXXX ( 7 ) because they have nonattorney employees who regularly engage to solict debt for collections and regularly make contact with debtors for the purpose of collection of such debts and represents itself as a debt collector. I have even offered to pay a small amount over the original {$39.00} because of the inconvenience. The firm is still not willing to work with me.
11/29/2023	No	Credit reporting or other personal consumer reports Other personal consumer report	Incorrect information on your report Public record information inaccurate	CA 92243	Web
I am writing to you because I found an issue with my consumer file pertaining to my criminal history. My criminal record is still being reported beyond the 7 year window that is enforced through the FCRA Seven Year Reporting Window. The accuracy of this criminal information is not in question here today in this matter. However the reporting of criminal information exceeds the reporting of the 7 year period. According to 15 U.S. Code 1679c ( a ) - Disclosures, I must dispute this information with the cfpb. Consumer Credit File Rights Under State and Federal Law You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.The seven year limit for reporting criminal charges on background checks begins when the charges are filed, not when theyre dismissed, a federal appeals court recently ruled, In the 9th U.S . Circuit Court of Appeals ruled XX/XX/XXXX that the measuring period for a criminal charge runs from the date of entry rather than the date of disposition under the ( FCRA ). In the 12 states ( California being one of those States ) that limits conviction reporting to 7 years, the disposition/conviction date is the date of the adverse activity and should be used to calculate the 7 years. If needed, a CRA can also use the date of release from incarceration or the start date of parole to bring convictions into scope. 15 U.S.C. 1681c ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing certain specified items of information or [ a ] ny other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. California 's Seven-Year Lookback Rule California includes a seven-year restriction on the reporting of convictions within the ICRAA. This law is found at Cal.CONVICTIONS : Go by disposition date. However, for " seven-year states '' that limit reporting convictions to 7 years from " disposition, release, parole, '' you can go by release date from incarceration or start date of parole, even if the conviction date is older than 7 years. Never consider probation to bring something into scope. SEVEN-YEAR STATES : California, Colorado, Kansas, Maryland, Massachusetts, Montana, Nevada, New Hampshire , New Mexico , New York , Texas, and Washington. [ In some of these states, the 7-year reporting restriction for convictions only applies if the applicant does not meet a certain salary threshold. Also note : The District of Columbia limits the reporting of conviction data to 10 years.
12/23/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 60649	Web
Acme has contacted me through mail and by phone about a XXXX dollar balance of some sort of bill. I have tried to reach out to the agency several times to verify what the bill is for, who the original creditor was, and as well repeatedly requested copies of the original bill to verify it belongs to me and for what causes. Acme representatives have been extremely rude and have even resulted to sending me letters making false accusations with ALL CAPITAL LETTERS which seems a very aggressive form of communication. When I ask who the original creditor is and for them to verify the account is or was mine previously I am directed to multiple agencies and circled back around. In more detail I am told by Acme I need to contact the previous collection agency for any billing questions and when I do that I am routed rightfully back to Acme because the previous agency is not the current or active agent for trying to collect some debt no one can verify or show physical proof of. The company has threatened to take legal and credit reporting actions against me without proper cause or resolving or addressing anything to do with the bill itself allegedly claiming this is a debt in which I have occurred I haves sent several letters to the company including certified request and still the company refuses to address the verification of the bill. I informed them If this was from a particular incident that I would be more than willing to provide them with the insurance I had at the time if there was somehow some billing error and the insurance company was not billed but the company has refused to take the opportunity to resolve as the many other attempts I have made. The company has also falsified the address to which they have mailed documentation to me. I feel they have purposely sent mail to the wrong address to falsely warrant evidence of them sending documentations to me. The only reason I received one particular letter is because a neighbor I knew hand delivered it to me. The company claimed in its last letter to me that I have ignored them yet I have copies of the certified letters I sent as well as the receipts as well.
12/08/2023	No	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 93637	Web
Subject : Deletion of Unauthorized Credit Inquiry CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OUTLET CC : ACME FINANCE CO. , INC I am writing to formally request the removal of an unauthorized credit inquiry made by your institution on XXXX, XXXX, XXXX After reviewing my credit report, I noticed an inquiry listed under my name without my consent or knowledge. The inquiry was made on XXXX, XXXX, XXXX and was not associated with any credit application or agreement initiated by me. As a result, I did not receive any benefit or services from your institution corresponding to this inquiry. I kindly request that you investigate this matter and remove the unauthorized inquiry from my credit report as soon as possible. I understand that these inquiries can impact my credit score, and given that I did not engage in any transaction or seek credit from your company, I urge you to rectify this error promptly. I also demand retraction of any applications or securities in your possession. Please provide confirmation once the unauthorized inquiry has been deleted from my credit report. I appreciate your prompt attention to this matter and your assistance in resolving this issue.
12/07/2016	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	IL 620XX	Web	Servicemember
ON XX/XX/2016 AT XXXX HRS CALLER STATED SHE WAS FROM ACME DEBT COLLECTORS AGENCY AND SHE WAS CALLING ABOUT THE DEBT I OWED TO XXXX. THE DEBT WAS OVER XXXX DOLLARS US AND I INFORMED HER I DO NOT HAVE IT AT THIS TIME. SHE THEN TOLD ME THAT IT WILL BE TURNED IN TO AN ATTY BECAUSE I WAS REFUSING TO PAY THE DEBT. I STATED I DONT HAVE IT AT THIS TIME I AM NOT REFUSING. SHE THEN STATED THAT I WAS STEALING FROM XXXX AND IT WOULD BE TURNED IN TO AN ATTY. I INFORMED HER THAT I KNOW I HAVE RIGHTS AND SHE WAS VIOLATING THEM. SHE YELLED AT ME WHAT RIGHTS. I INFORMED HER ABOUT THE FEDERAL TRADE COMMISSION. I ASKED HER HER NAME AND TO SEND ME THE INFORMATION BY MAIL. SHE THEN HUNG UP ON ME. I CALLED BACK THAT EVENING TO SPEAK WITH A SUPERVISOR BUT I GOT A PROMPT THAT THEY WERE CLOSED. I THEN CALLED BACK THE NEXT DAY AND SPOKE WITH A SUPERVISOR SHE STATED SHE KNEW ABOUT THE CALL AND WHEN I SAID I WAS CALLED A THIEF SHE SAID THAT DID N'T HAPPEN. I SAID BEING TOLD I AM STEALING IS THE SAME THING. I SAID I KNOW MY RIGHTS AND WAS CONTACTING THE FTC. SHE STATED DO WHAT YOU HAVE TO DO AND HUNG UP.
08/24/2023	No	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	KY 425XX	Web
I received an email from XXXX and the contact persons name is XXXX XXXX. He said I owed a debt to ACS Incorporation for {$800.00}. If I do not respond and pay within 24 hours, they will file a lawsuit at United States District Court XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX, United States Against my Name and SSN. They said they are in a Process to inform the Social Security Administration & major Credit Bureaus as well. Also that I will receive court summons at my door steps with the cost of the lawsuit around {$4200.00}. They said they would settle and let me pay {$400.00} today or bi weekly payments of {$200.00} until paid off and that once the full and final payment is received a receipt will be sent to me stating that my outstanding debt is paid in full with XXXX balance and i have no more debtors for the company and they will update the Major Credit Bureau.
08/03/2023	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 191XX	Web
XXXX XXXX activated two lines on a device that I had ported to another cellular service without my consent, then proceeded to charge me for both device and cellular lines even though I was no longer with the, and was with XXXX, they admitted it was entirely their mistake and that they had reported it to collections and therefore could do nothing about it The account number is XXXX and the XXXX account is XXXX Total {$270.00} for a disconnected XXXX mobile plan ending in XXXX
08/01/2022	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60419	Web
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). FURTHERMORE, the above consumer DEMANDS the following below : Account Name : XXXXXXXX XXXX XXXX XXXX Account Number :
03/25/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	KY 41042	Web

12/08/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 63033	Web