| 03/27/2018 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I paid off this balance with this doctors office nearly 5 years ago. After paying off the whole balance, this item didn't appear on my CR for 4 YEARS?!?!?!. Since it appeared, I have been trying to get this removed. I did dispute this item with both XXXX and XXXX. They determined that the collection company 'American Collection Systems could NOT PROVIDE ANY PROOF THAT THIS DEBT WAS OWED by the individual ( me ) ' so they both removed it after they investigated.
Unfortunately i am STILL unable to get this removed from my XXXX Credit Report for some reason even after disputing it multiple times with them. This fraudulent item is lowering my credit score by at least 75 points with XXXX.
The debt collections company wants me to prove I paid it off but, again, I paid it off 5 years ago and no longer have any records of those payments.
The entire bill was nearly three thousand dollars and it was paid in full in 2013. There is no logical reason why would I pay 90 % of the bill but not the rest. Also, why did no one attempt to collect on this debt for FOUR YEARS if I actually owed this?
I have asked this company ( at least 4 times now ) for ACTUAL proof that I owe this debt and all they provided was the doctors name and information. I need PROOF of the debt ( e.g. original bill amounts owed, all payments made, running balances, etc. ) otherwise I can't prove I paid it off and 'Amer Coll Sys ' can't prove I owe it either.
I researched this and, in California, where I live, the burden of proof is on the debt collection company to prove that this money is owed, not on the customer to PROVE it was paid. They are attempting to collect on FRAUDULENT debt but they refuse to take any responsibility about correcting their records.
I have attempted to resolve this with the Collection co. directly multiple times and with XXXX multiple times as well to no avail.
I want this fraudulent item removed from my XXXX credit report and for this collection company to never bother me again.
I PAY ALL MY BILLS on time, but I'm not a fool, and i don't pay debts that i don't owe or that I already paid.
Please get them to stop harassing me or get me REAL PROOF.
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| 05/20/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Older American, Servicemember |
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Received a notice of a debt from American Collections Systems in XXXX for a debt I did not owe. XXXX XXXX, XXXX in XXXX, WY tried to charge me for damages to a rental townhouse I rented from XXXX. Rent was paid on time and there is no dispute that rent was owed, however, months after I left the premises I was sent a charge for over XXXX dollars for supposed damages incurred by me. The damages were present before I moved in and a checkoff list with walk through was performed in XXXX when I first moved in. The carpets were cleaned but the walls had not been painted. All damages were noted at that time. Later the owner of the renting real estate group was sold to XXXX XXXX, XXXX. They, XXXX XXXX, did not perform any walk throughs with me before or after my moving out of the residence. A water pipe froze in XXXX in the garage which leaked through the kitchen wall causing the outlet to the refrigerator to burn out and shorted other wall sockets. The kitchen and living room were filled with water. I cleaned as well as I could and called XXXX XXXX who sent out a cleaner but the cleaner only sprinkled some white powder on the carpet and a few hours later came back and vacuumed the carpet. The carpet was never lifted up and this resulted in damage to the subfloor. This was the damage that I was being charged for along with other small problems noted on the original walk through in XXXX. I told XXXX XXXX and later American Collections Systems that these were fraudulent charges, but they denied this claim and notified the Credit Bureaus that I owed this debt and have hurt my credit history making it difficult to rent these last 7 years. XXXX XXXX claimed that my dog must have peed throughout the first floor and caused this damage? This should be removed from my XXXX XXXX as I did not cause any damage to the property. My next door neighbor went though the property the day before I moved and confirmed the town house was in good condition, better than when I took possession of it in XXXX.
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| 01/24/2024 |
Yes |
- Debt or credit management
- Debt settlement
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- Didn't provide services promised
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Web |
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On XXXX XXXX, XXXX I was served garnishment papers from the American Collection System, INC. In the amount of {$23000.00}. The total judgment is {$11000.00} and the post judgment interest is {$12000.00}. On XX/XX/XXXX my employee check was garnished in the amount of {$590.00}. This debt is 12 years old and has been off my credit report since XXXX. In XXXX I made arangemnts to pay {$50.00} a month since I did not have much money than since I was going through courts for custody. The manager at ACSI said once I made consistant payments for a few months that she would stop the interest payments. A few months go by and I call to talk to the manager and asked if she would stop the payments. She said she could not do that and never told me that she would in the first place. I have talked to many people that she has said the same thing to them. While making the payments the payments went twords that smaller bills, while the larger bill got hit the hardest with interest. Ususally when applying interest it is on the balance and not on every item. So making the monthly payments did not even make a dent on my debt. When I started this the amount was around {$21000.00} in XXXX.
Before garnishment i called ACSI to see if I could make payment arrangements the manager said she could not make any kind of arrangements until 90 days. On XX/XX/XXXX the manager called me to see if I wanted to make some type of arrangement. She said the garnishment was a one time garnishement. I do have a court date on XX/XX/XXXX. XXXX.
Prior years I have tried to offer {$10000.00}. to settle this case many years ago and they will not work out anything unless its more than 75 % I feel like this company is taking advantage since I am a single mother. I also feel like my due process right have been violated.
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| 03/13/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I was working with American Collection Systems , Inc up until XXXX of XXXX which is when I lost my job and had spoke with them to let them know. They then told me to get back in touch with them when I got another job, which I just recently got a new job. Then I guess they contacted the Circuit Court here in XXXX, Wyoming back in XX/XX/XXXX to get a Writ of Garnishment, which was granted them on that day. However, I was not sent this paperwork for a month and a day XX/XX/XXXX after they had gotten the Writ. I didn't receive the paperwork in the mail until XX/XX/XXXX and it wasn't mail certified mail, nor was it served upon me by a sheriff. They took every penny of money I had in my account on XX/XX/XXXX, the day they mailed the writ. I contacted them on the XXXX of XXXX to find out what was going on and was told they did this because I didn't contact them every month after XXXX to let them know I still didn't have a job. Again, though I was told to contact them when I got a job not that I had to call them every month to tell them the same thing. Also, I have another creditor that is already garnishing out of my account at this time. Also, when I spoke to them on the XXXX I was told that my balance was {$30000.00}, but on the Writ it states {$17000.00}. And last year it was supposedly {$19000.00}. So their numbers aren't adding up.
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| 04/23/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Someone who had been using my personal indentifying information obtain loans and goods in my name.I already sent American collection systems in XXXX Wyoming a letter from my attorney, as well as a police report and ftc report.they originally removed it from XXXX and XXXX as they are supposed to by law.last week I noticed the same {$540.00} collection on my XXXX credit report! it's is from XXXX XXXX.i never have done business with this place, nor do I live where loan was even taken out. My social security number is XXXX
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| 11/18/2016 |
Yes |
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- Communication tactics
- Frequent or repeated calls
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Web |
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The number I called above they told me they do n't have my case at there office. I tried contacting the medical center and they told me to contact the debt collector. I made two payments but they do n't reflect on my credit report and the amount is not accurate
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| 06/24/2023 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Requested written verification regarding XXXX collection accounts with the same agency in XXXX of XXXX No validation of accounts was received even after written request.
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| 09/12/2023 |
Yes |
- Debt collection
- Medical debt
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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 |
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| 08/23/2023 |
Yes |
- Debt collection
- Medical debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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| 12/05/2022 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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| 11/07/2022 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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| 03/09/2022 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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| 01/24/2022 |
Yes |
- Debt collection
- Medical debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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| 11/02/2021 |
Yes |
- Debt collection
- Medical debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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| 05/01/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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| 08/23/2017 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Postal mail |
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| 08/22/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
Servicemember |
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| 12/05/2014 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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| 06/06/2014 |
Yes |
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- Communication tactics
- Frequent or repeated calls
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Web |
Servicemember |
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