Action Collection Agencies, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
01/22/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MA 02302	Web
Hi XXXX XXXX / ACA of XXXX ; I just got out of strange phone calls with representatives of XXXX XXXX XXXX # XXXX ) and ACA of XXXX XXXX XXXX ) and Im shocked, surprised, and honestly stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Plus, isn't this HIPPA violations for sharing my personal medical information with so many different third-party company? WHy? Plus why is there late payments shown on the payment history for a collection account? Isn't a collection account by default late and past due? Don't waste my time by partially responding to this demand. I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
01/08/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MA 02302	Web
THESE 4 COLLECTION ACCOUNTS WERE WITH ANOTHER COLLECTION COMPANIES AND THEY DELETED DUE TO HIPPA VIOLATION AND NOW IT'S SOLD TO XXXX XXXX XXXX XXXX Charge-off {$490.00} XXXX XXXX XXXX XXXX Charge-off {$120.00} XXXX XXXX XXXX XXXX Charge-off {$100.00} XXXX XXXX XXXX XXXX Charge-off {$590.00} Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
03/12/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MA 02122	Web
I just called ACA of XXXX and they are trying to collect zoombie debts from 2014 which i haven't been to those hospitals. She couldn't give me details just the balance. This is XXXX violation. Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
12/28/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MA 02301	Web
JOINT MEDICAL COLLECTION? WHAT? FOR {$2800.00}??? Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
02/23/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MA 02301	Web
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
12/29/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MA 02720	Web
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
12/13/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MA 02301	Web
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
12/05/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MA 027XX	Web
Hello, Im shocked, surprised, XXXX out both XXXX and XXXX to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
04/11/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MA 02302	Web
DEAR ACA OF XXXX ; Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees XXXX Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
04/11/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MA 02302	Web
DEAR ACA OF BOSTON ; Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
05/01/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MA 02301	Web
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
05/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 94546	Web
Idaho XXXX XXXX XXXX along side Action Collections, XXXX, XXXX and XXXX are all actively reporting incorrect information regarding a balance on an account. The balance is for {$6800.00}. This balance was paid in full, and has been for years. This needs to be removed, immediately, from my credit. This letter also serves as a letter of demand with intent to sue in accordance with the FCRA section 605. The aforementioned agencies will be receiving formal summons to appear in a civil court for violating the FCRA, FDCRA and consumer finance laws in accordance with state and federal guidelines. As such, the State Attorney Generals office and Department XXXX XXXX, along side state licensing board will receive complaints of illegal debt collection and reporting. You have until XX/XX/XXXX to comply with this lawful request for deletion of illegal debt reporting, no further communication will be sent, if this is not removed by the aforementioned date this will be seen in court for the before listed companies involved. SECOND REQUEST FOR DELETION AND REMOVAL : FIRST REQUEST SUBMITTED XX/XX/2022 CFPB ID NUMBER XXXX I will take this as willful and malicious intent to not resolve this matter amicably. The information provided would allow you to view and verify the information that I had provided with the credit bureaus and your reports. In case you are just XXXX, it is under XXXX XXXX, my maiden name, which you already know given the information provided before. You have until XX/XX/XXXX.
06/05/2020	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	NJ 077XX	Web
Debt Collector ( ACA ) contacted me. I indicated that I was the person they intended to call. Debt Collector indicated that ( 1 ) they had just received this debt and ( 2 ) attempted to request information from me about my contact info. I indicated that ( 1 ) prior to requesting any information from me, I expected to receive a mini-miranda about the usage of any information that I may provide in accordance with 15 USC 1692e ( 11 ) and ( 2 ) that I would like a validation of debt. Caller proceeded to put me on hold for almost 15 minutes before connecting me to a manager. Both the caller and the manager refused to provide me a mini-miranda required by the FDCPA ( and continued to refuse to do so for the entire length of the 20 minute call ) unless I provided them information about myself. Further, I indicated I would like a validation of debt. I was told this was mailed a year ago, despite that the debt collector indicated that " they had just received this debt. '' I indicated I had received no such validation and that I would like a validation of debt per 15 USC 1692g ( a ). The manager stated that the call was going nowhere and hung up on me. After 19 minutes on the phone ( 15 of which were on hold ), which is frankly just rude. I would appreciate if the debt collector would comply with the FDCPA. A simple mini-miranda and an agreement to send me a validation of debt would have been sufficient to proceed with the call.
04/29/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AZ 85202	Web
I got a voicemail from this collection yesterday. I called them today after googling the company. I spoke to two reps today and theyre claiming XXXX XXXX XXXXXXXX XXXX my file with an old name to them 10 days ago with two outstanding amounts of {$1700.00} and {$1700.00} from a service date of XX/XX/21 at XXXX XXXX XXXX XXXX They stated me calling the company directly wouldnt help since XXXX already sent my info to them. They claimed theyd need me to send EOB information to show the claims were paid at the following email address or XXXX. Phone number ( XXXX ) XXXX XXXXXXXX XXXX and XXXX XXXX today. I called XXXX XXXX XXXX who has billing with XXXX at XXXX today they said I have a {$0.00} balance. I called XXXX XXXX billing they said the same thing {$0.00} owed. I called the medical provider side of Steward Billing all between XXXX and XXXX today they said they have no record of me in their system or any account and that this is a company trying to scam me. They said this happens all the time and they get calls from concerned patients routinely. This collections company told me two referenced numbers to reference when sending them an email XXXX and XXXX. Knowing I have no outstanding balances and checking with my insurance company as well, this company is scamming innocent citizens who dont need this extra stress and hassle in their lives. Please report them immediately.
09/13/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	MA 02703	Web
On XXXX I reached out to Action Collection Agency to resolve a debt on an old medical bill when I did n't have insurance for the amount {$790.00}. I have been working with a mortgage company to be qualified for a house that my wife and I have been looking at to be conditionally approved with a favorable rate the mortgage company requested the negative trade line be deleted to give me the credit score bump to cross that thresh hold to qualify. On a recorded line with Action Collection Agency we made an agreement that if I paid in full that the tradeline would be deleted. The women I spoke to asked her manager and she agreed to delete. The mortgage company faxed over a letter confirming what they told me. I waited a few days and the mortgage company called and gave me the bad news. I was not approved at a reasonable rate. The account was updated to " Paid Collection ''. 1. This is not was what agreed upon with ACA. It was clear that it was to be deleted. 2. " Paid collection '' stays on your credit file for 7.5 years barring me from a reasonable mortgage until that time. This had been a huge disappointment for me and my wife. We essentially had to turn down the mortgage offer on a house that we had fallen on love with after a several month process. I am a man of my word and I expect ACA to act with integrity and right this wrong.
01/20/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	PA 190XX	Web
Received XXXX letters from Action Collection Agency XXXX XXXX regarding a " debt '' from my XXXX. Upon calling the first time, with my insurance provider, they could not verify the correct amount for the claimed date of service or any other details of the debt. After this initial call ( no payment ), I called the provider and verified the date of service, amount, and received an itemized bill showing I had a zero balance. I also have my insurance 's explanation of benefits showing the payment posting directly to my provider. Today XXXX XXXX XXXX, 2016 XXXX, I called ACA back to verify the debt and spoke with several different people, each having to " check '' with a supervisor about basic information including a license number, the company address, requesting a verification letter, and the discrepancy in amount being collected. No one had any information and I was told my letter would be sent in 30 days ( when by law it should be sent in XXXX ). Throughout this process, each person I spoke to was belligerent, refused to listen, and kept changing their story. At XXXX point the " supervisor '' XXXX XXXX XXXX ID # XXXX ) told me the account had an " XXXX on the bill and when I asked how did he have the bill, he said he knows the insurance paid a portion of the claim. How could this be on the " bill '' with XXXX in place.
09/28/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MA 02446	Web
DISPUTE WITH Action Collection Agency of Boston ( ACA ) XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX, MA XXXX ( XXXX ) XXXX - Received letter from ACA dated XX/XX/XXXX that " XXXX XXXXXXXX XXXX XXXX '' referred a delinquent account to them. Account # XXXX. Reference # XXXX. Amount {$560.00}. Service Date : XX/XX/XXXX - Called XXXX XXXX which confirmed no record of her as a patient, no amount due from her, no record of the above account or reference number. - On XX/XX/XXXX, called ACA with this information. ACA instructed us to put our response in writing. - In letter dated XX/XX/XXXX, wrote what the hospital told us and then : " absent any supporting information, we have no alternative but to assume that the invoice from you is FRAUDULENT. '' We requested proof of claim. - In letter dated XX/XX/XXXX, ACA sent us " a copy of the itemized statement from our Client. Your personal information has been verified above. Please call to provide your insurance information. '' The invoice was for patient XXXX XXXX - Called XXXX XXXX 's which said that XXXXXXXX XXXX ( not XXXX ) is assigned when a patient without ID is treated ; yes, " XXXXXXXX XXXX '' was treated on XX/XX/XXXX for {$560.00}. - In letter dated XX/XX/XXXX, ACA again sought payment for {$560.00} - We need your help to fight this fraudulent claim.
05/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	CA 94546	Web
Idaho XXXX XXXX XXXX along side Action Collections, XXXX, XXXX and XXXX are all actively reporting incorrect information regarding a balance on an account. The balance is for {$6800.00}. This balance was paid in full, and has been for years. This needs to be removed, immediately, from my credit. This letter also serves as a letter of demand with intent to sue in accordance with the FCRA section 605. The aforementioned agencies will be receiving formal summons to appear in a civil court for violating the FCRA, FDCRA and consumer finance laws in accordance with state and federal guidelines. As such, the State Attorney Generals office and Department of Finance, along side state licensing board will receive complaints of illegal debt collection and reporting. You have until XX/XX/XXXX to comply with this lawful request for deletion of illegal debt reporting, no further communication will be sent, if this is not removed by the aforementioned date this will be seen in court for the before listed companies involved.
08/23/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MA 026XX	Web
XXXX XXXX XXXX called and left a message saying they were the Action Collection Agency of XXXX and asked I returned the call. When I called them back the agent said he wanted to confirm some personal details before he told the nature of the call. I asked him to tell me what the call was about before I disclosed any personal information. He refused and kept asking me to confirm my address. I told him that if he did n't tell me what he was calling about he could write me a letter but he refused to do that because he said he might be mailing the wrong person. ( He could be calling the wrong person too. ) The badgering continued for some time and I finally told him that without understanding his request I would certainly not provide personal information so I would end the call and complain to the appropriate agency. He said the call was over and hung up. I have no idea what this is about. I am not aware of owing anyone any money.
08/14/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MA 023XX	Web
On XX/XX/XXXX I received a phone call from someone stating they were from the Action Collection Agency of XXXX. They claimed that I owed {$2300.00} in unpaid medical bills dating back to XX/XX/XXXX. I had no knowledge of any such debt and asked for a written, itemized statement. The agency refused, stating I had already been sent such a statement. I had never received anything from this company prior to this conversation. The agency then claimed most of these various bills were from XXXX XXXX of XXXX. I then contacted that company. They had no record of any past due balance on my account. Furthermore they stated that they had never heard of this collection agency. The agency also claimed I had a past due amount at XXXX XXXX Hospital in XXXX. I have not been to this hospital for any reason in several years and have received no notification of any past due amount from them.
12/21/2021	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	MA 01056	Web
I received a bill from Action Collection Agency of XXXX in regards to a medical bill. I responded to their notice via letter and provided proof that I paid the facility directly for the services. I received another notice from them that did not answer any of my requests/questions in my first letter. I sent a second letter but did not receive another response in writing. Since that letter, I received numerous phone calls and voicemails from different numbers requesting me to call them ; the messages were all automated. I sent a third letter demanding them to not contact me via phone but to respond to my previous letters via writing with further proof. I have received further automated voicemails.
06/29/2018	No	Debt collection Medical debt	False statements or representation Indicated you were committing crime by not paying debt	RI 028XX	Web
I originally made an appointment at a place called XXXX XXXX XXXX at the end of XX/XX/XXXX. When I went to arrive to the appointment there was no such place in existence, and when I called they had claimed they have moved. This was my FIRST appointment, and I have NEVER SEEN ANYONE AT THE PRACTICE- so NOBODY TOLD ME THEY HAD MOVED. I told them I'm not paying for an appointment when you guys moved and never told me. They claim I owe them {$100.00}, but NO ONE MISSED APPOINTMENT HAS EVER BEEN {$100.00}. IT says I owe XXXX XXXX but I never attended one appointment and cancelled that appointment immediately. The secretary told me in XX/XX/XXXX she would handle it and it would be all set,
03/01/2018	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 28208	Web
A collection agency, for an amount I have no knowledge of and never had knowledge of, fraudulently inserted a derogatory notation in an attempt to extort money. I called the underlying entity the collection agency claimed the debt to be from and they have no knowledge of debt in my name. At any rate, I was never notified of a debt nor was I ever given a chance to review it - which is a requirement of law. The actions by the collection agency are extremely illegal. The collection agency must remove any derogatory information from my file, otherwise I will sue them in federal court.
01/27/2023	No	Debt collection Medical debt	Communication tactics Frequent or repeated calls	NJ 08401	Web
This company has called me multiple times this month, almost every week. They call off of the same number or different numbers. I received my first call on XX/XX/XXXX, then again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX. They have also left me voicemails one on XX/XX/XXXX, XX/XX/XXXX. I have told the company to STOP contacting me as I never was able to speak with the sole person who was in charge of my debt. They sold it to a collections agency before I could even make a payment.
06/19/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NY 11563	Web
I received a collection letter for two medical charges of {$110.00} totaling {$260.00} for services by XXXX XXXX XXXX a XXXX at XXXX XXXX XXXX XXXX XXXX in XXXX NY where I spent XXXX days with XXXX XXXX. The charges were for services received on XX/XX/2022 and I paid these charges in full with my XXXX XXXX card on XX/XX/XXXX with the XXXX payment app. I submitted proof of payment to Action Collection Agency in XXXX yet they continue to harass me for payment. I consider this matter closed and want my name off their records.
01/25/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MA 02119	Web
The XXXX XXXX XXXX of XXXX keeps contacting me in regards to a {$75.00} debt I already paid to XXXX XXXX Health Center last year. After every attempt to contact me, I have informed them the debt was paid and to stop calling me. I have stated numerous times they need to update their records. I have called & informed XXXX XXXX Health Center as well. I have asked they write me a letter stating this debt was paid as an addition to this complaint. I refuse to have this affect my credit due to their incompetent work ethic.
08/05/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MA 02472	Web
I paid my {$310.00} medical debt in full to the company that owned it at the time, Action Collection Agency of Boston. On XX/XX/23, they cashed my check. On XX/XX/23 and again on XX/XX/23 I was contacted in writing by XXXX XXXX XXXX, who attempted to collect the same debt, this time for {$330.00} but for the same procedure carried out by the same provider on the same day. My guess is that Action Collection Agency of Boston both cashed my check paying the debt and also sold the debt to another company.
07/13/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	KS 66441	Web
On XX/XX/22 I received a XXXX XXXX from XXXX XXXX XXXX in XXXX, Massachusetts. I received a bill for this service and have been trying to dispute this bill as I should not have been charged for the XXXX. They have since sent the bill to collections. I have been in contact with the both the hospital and the debt collection agency multiple times about this issue, yet it remains in collections. Debt collector- Action Collection Agency of Boston XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
07/06/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 91354	Web	Servicemember
First of all I always have my ID on me so that is a HUGE lie! Secondly how would action collection agency know what happened? Where they there? Pretty sure this agency is located in XXXX so they are going off of what their client is saying which again is a lie! I am not responsible for anything! I 'm not working! Doctor did nothing so he gets paid nothing, simple! Do not contact me anymore about this INVALID DEBT!!!!!
12/15/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MT 59602	Web	Servicemember
XXXX the lawyer or Action collection levied my bank account five months ago. These monies have still not posted to my account. XXXX office said the monies are with XXXX investigation and they say the monies are with action collection. It has been five months sense the took my money from my bank account, XXXX number is XXXX Action collection number is XXXX XXXX investigation number is XXXX
12/13/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MA 02128	Web
I am getting harassed. Below are just some of the dates of the calls.. XX/XX/18, XX/XX/18,XX/XX/18, XX/XX/18, XX/XX/18,XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18. This is getting out of control. When I pick up, it's automated and they make me wait. I left a message telling them to stop calling.. I blocked their number, but they keep calling me! The company is Action Collection XXXX XXXX.
11/06/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MA 025XX	Web
First, they call me when I'm at work. I asked them to stop calling and was told that they can't do that until I set up a payment plan. Second, They won't tell me what the debt is for ( company that I owe ). They told me that they don't have to give me that information until I verify my phone number full name and address and set up a payment.
08/25/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 91354	Web	Servicemember
This last communication from this company said they would submit to the credit bureaus that the accounts are in dispute ... I contacted each bureau who said the account Action Collection Agency is reporting is NOT in dispute by them. So again this company is lying.
11/26/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MA 020XX	Web
Action Collection Agency tried to collect from us for a creditor we never hear of. Their number is XXXX. The person wouldnt give me their full name. Said we owed a XXXX XXXX XXXX XXXX XXXX Seems like a scam. The person on the phone was very sketchy.
01/03/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	ID 836XX	Web	Servicemember
Company states they have tried calling and mailing me letters. I never received any letters and they are suing me. But when they were serving me they went to the wrong house and served the wrong person.
07/02/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 91354	Web	Servicemember
This company has threatened me numerous times and I 've requested numerous times to not contact me and yet they are still doing so! They are practicing illegal activities and should get in trouble!
02/11/2021	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	MA 023XX	Web
This company was sent a cease and desist letter, sent by certified mail and received by their office on Monday, XX/XX/XXXX. Today is Thursday, XX/XX/XXXX and they have started calling again.
01/14/2021	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NC 27502	Web
Company has left voicemails stating this is a message from a debt collector without being able to verify who they are speaking to or where the message is being left.
03/13/2023	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MA 01852	Phone	Older American

12/19/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33993	Web

08/02/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MA 02148	Web

05/10/2022	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	ME 03905	Phone	Older American

01/19/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	MA 02053	Web

12/21/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MA 02072	Web

12/06/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	CA 94520	Web

11/05/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 93274	Web

11/03/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	RI 02831	Web

11/06/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 11758	Web

08/30/2018	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NY 11758	Postal mail

08/23/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92115	Web

05/09/2018	Yes	Debt collection I do not know	Communication tactics Called before 8am or after 9pm	CA 94558	Web

12/21/2017	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid		Phone

12/23/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 91354	Web	Servicemember

12/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	MT 59701	Web

04/11/2016	No	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	FL 33143	Web

12/18/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MA 02019	Web

03/18/2015	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	NY 10706	Web

03/06/2015	No	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	MA 01035	Web	Servicemember

02/25/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	RI 02878	Web

01/29/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	OH 45417	Phone	Older American

12/29/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MA 02346	Web

12/03/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MA 01089	Web	Servicemember

04/15/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	AL 36266	Web

03/13/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	VA 20187	Web

12/02/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NJ 07010	Web

10/31/2013	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MA 02072	Referral

09/29/2013	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NH 03106	Web