| 11/04/2015 |
No |
- Debt collection
- Non-federal student loan
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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Which of these best describes your issue?
Did not receive notice of right to disputeDescribe what happened so we can understand the issue ...
On XXXX XXXX I spoke with XXXX XXXX Banks at American Collection Services with regard to a debt from XXXX. We worked out a settlement amount and I set up payment using my debit card. By XXXX XXXX I noticed the payment was never taken so I called in. The next day XXXX called back and said there was a system error and all of my payment information was lost and he simply did n't know. I set up payment again. This time I thought the settlement was higher but did not want to press the issue so I said fine and gave the checking info from my commercial account. On XX/XX/2015 I called XXXX to re-enroll and was told I still had an outstanding debt and gave the number to XXXX Banks. At this time I could not enroll. I left a message for XXXX Banks yet again. On XX/XX/2015 he called back and this time was very aggressive. I was making the call to work out payment yet again but he only wanted to argue why the last payments did n't process. I continued to say if the calls are recorded simply pull the recording. I just want this resolved as I have initiated every single communication and it has yet to be rectified. I became increasingly frusterated with the dead end conversation and requested a manager. He put on XXXX XXXX who identified himself as the person who handles litigation. I asked if he was an attorney he said, " I take care of asset, garnishments, and litigation ''. I asked if he was an attorney registered with the XXXX he replied, " No just a paralegal '' his tone then changed. We XXXX agreed that the communication was poor and when we began to speak of settlement he said he did not see XXXX and could not offer XXXX. I explained that I had an email XX/XX/2015 that shows a settlement offer that they failed to take twice and asked him to pull the recordings and the email. He stated that I would have to have legal injunction to access any recordings of the calls and if I filed a complaint it was no big deal because it is a simple form he fills out to answer and the complaints are not taken seriously anyways. If I did not like paying him I could contact XXXX directly. I am hesitant to pay a company that offers a settlement and loses my payment information, then charges more, fails to take the money a second time, and NEVER even once attempts to make contact. I have never received an initial dunning notice by mail only a settlement offer by email. I am now in a situation where I can not enroll back into my MPA due to this companies inability to process payment despite my repeated attempts. XXXX made a point to say any complaints that come through he will simply use a form add names to the blanks and mark it as frivolous. Please I encourage management and the CFPB to pull call recordings. Clearly this company and its staff have very little regard for the CFPB and do not take its authority seriously. I simply wanted to pay a bill. At this time I have made contact with XXXX in hopes they will be able to process a payment.
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| 12/23/2021 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
Servicemember |
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On XX/XX/21 at approximately XXXX am I was contacted by a XXXX from a phone number that is unlisted. XXXX went through the usual dialogue with collection that is required by law and informed me of a debt that was owed.
When he completed the dialogue I requested that I only be informed by mail, no more phone calls. XXXX XXXX stated that a letter was already sent and said an address quickly. ( Not even confirming mailing address. ) When I again requested that I be informed by mail and no phone calls he got angry and stated " I'll document refusal to pay and mark this delinquent. '' When I tried to state that I wasn't refusing to pay he started talking over me and then proceeded to hang up on me.
I tried to call back 3 times from my cell phone to rectify the situation in which XXXX kept forwarding my phone to voice-mail after one ring.
I had to call back on my husband 's phone. ( XXXX am ) When answered he said " why do you keep calling back ma'am? '' I asked why he was hanging up on me and he stated " basically you're not gon na pay back your debt. '' I corrected him and was stating I wanted him to make note on my account. He further stated that I was not going to pay my debt. ( He then stated that he was on a recorded linel He also stated in the conversation " I'm not required to be professional. I'm just required to do my job " further discussion entailed with me asking why I was hung up on and if he notated my account which I did not get an answer. When I asked what company he worked for he stated " have a good day. '' The only reason why I figured out which company is by remembering he said XXXX in the first call and I had to XXXX search to find the company in my area and found the real phone number to the company. I called and spoke with a secretary at XXXX at phone number XXXX confirming that a XXXXy works there, when asked if he is in a supervisor position I was informed he was and that the other supervisors are out until after XXXX.
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| 11/17/2017 |
No |
- Debt collection
- I do not know
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- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
Servicemember |
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Contacted company over a year ago to cease and desist, after not receiving verification of debt.
The company shared / school, is not verified and I have no record or knowledge of debt.
The company has continued to contact parents home and cell numbers, even after they requested them to stop contacting ; in addition to making repeated, early/late, and harassing calls.
Shared information about collection with parents - even after they shared they did not have contact information ; I am activity duty and parents do not have contact information, as they shared ( depending on TDY ).
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| 08/03/2021 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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XXXX XXXX has called me multiple times about a debt. Each time he is rude and will not send out the debit validation letter so I am able to reach out to the original creditor. I have asked him to mail me the original creditor information and he will not do. I know that I can go back to the creditor and validate the debt before I start working with the debit collector. He is rude and I will not continue to harassed and forced to pay something I do not believe to me the true amount owed.
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| 11/17/2017 |
No |
- Debt collection
- I do not know
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
Servicemember |
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The latest date was XX/XX/XXXX ; however call several times daily and weekly looking for daughter.
Have shared there is no additional information we have to offer and that we do not have contact information.
Made repeated requests for caller to stop calling.
Callers also identified that daughter was " running a business out of home connected to number ''. This information is false, inaccurate, and did not request to know nature of call - however this was provided.
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| 03/31/2015 |
No |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I have a debt on my credit report for American collection systems for XXXX New York that should not be there because XXXX servicing is already handling all my school loans.
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| 08/31/2015 |
No |
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I went on the Internet to find this debt collection agency and there is a bunch of complaints saying its a scam company.
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| 09/13/2023 |
Yes |
- Debt collection
- Federal student loan debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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| 08/31/2023 |
No |
- Vehicle loan or lease
- Loan
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- Repossession
- Company explaining amount owed
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Web |
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| 04/26/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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| 06/15/2022 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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| 05/07/2019 |
No |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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| 06/26/2017 |
No |
- Debt collection
- Private student loan debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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| 08/31/2016 |
No |
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- False statements or representation
- Attempted to collect wrong amount
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Phone |
Servicemember |
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| 03/08/2015 |
No |
- Debt collection
- I do not know
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Older American |
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