| 04/16/2021 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
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Web |
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THEY CALLED AND THREATEN TO ARREST ME AND SEND ME TO JAIL IF I DO NOT PAY.
To whom it may concern, This letter is to formally advise you that I am requesting you to Cease and Desist, all communications with me immediately regarding any account that you have now and receive in my name or social security # now and in the immediate future and REMOVE all negative marks your company has added to my credit report or to the XXXX XXXX immediately.
This is my second and final request, back in XXXX I sent you via certified mail my cease and desist instructions.
Pursuant to my rights under federal debt collection laws, I am requesting that you cease and desist communication with me, as well as my family and friends, in relation to this and all other alleged debts you claim I owe.
You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the XXXX XXXX XXXX, Federal Trade Commission and the State Attorney Generals office.
Civil and criminal claims will be pursued.
Even if you are the original creditor this may apply to you. And since you are not the original creditor, you must comply.
Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ), you have the duty to review all of the information in this Notice of Dispute, to complete your investigation, and report back to me the results of your investigation, within 10 days of my Notice of Dispute.
In addition, I humbly request that you provide me with complete transaction and payment history, a copy of any signed contracts or agreements, and total outstanding balance you believe I owe bearing my actual signature.
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ), these disputed items must be reinvestigated and deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.
Details about the age and amount of the alleged debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this alleged debt became delinquent.
Please also note whether this alleged debt is within the statute of limitations and how that was determined.
Please also forward details about your authority to collect this alleged debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well.
Your conduct thus far is unacceptable and borders on harassment.
Please be advised that the following apply to you.
Pursuant to the Fair Debt Collection Practices Act : Debt Collection Practices If a consumer notifies a debt collector in writing that the consumer refuses to pay alleged debt or that the consumer wishes the debt collector to cease further communication with the consumer and remove all negative marks from my credit report doing the investigation of this case. The debt collector shall not communicate further with the consumer with respect to such debt and must REMOVE all negative remarks and comments from credit report.
I will also be checking my credit report to see if you have willfully reported an unverified and disputable debt to the credit bureaus. If so, that will be a violation of the Fair Credit Reporting Act. I will state again If I receive anything other than absolute proof that you removed all marks and comments from my credit file, I will assume you are harassing me and ignoring my cease and desist, letter and will be reporting this to my State Attorney General, CFPB, XXXX, and the XXXX XXXX XXXX.
You are governed by this Act. All communication with me including phone calls to my home or business must stop immediately. All negative remarks and comments must be REMOVED IMMEDIATELY.
The only communication you may have with me is to provide proof that all accounts and negative remarks and comments has been removed from my credit report.
If you continue to contact me and report NEGATIVE information on my credit reports after receiving this dated mailing, and that the postal service will provide proof of delivery with return receipt with or without your signature. You will be in violation and I will file a complaint with the Federal Trade Commission, XXXX and State Attorney General 's Office as well as consider filing civil charges against you for willful noncompliance with the FDCPA.
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| 03/21/2023 |
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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I have health insurance through my job and have added my husband to it as well. We've had the same health insurance for years and don't even go to physicals or dental appointments, mainly because we're young and relatively healthy, but also because we're afraid of unexpected unknown expensive costs associated with very basic things.
My husband found us an in-network doctor last year around XX/XX/XXXX. As part of the process we needed to go for a new patient appointment to the facility in XXXX, MA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I understood that the appointment was a new patient appointment, similar to a physical. My husband went to the appointment first without me, mine was scheduled for a later date without him. While at the new patient appointment I was weighed and my breathing was listened to, outside of that I was just asked general questions about my self and my medical history and if I had any concerns or issues that should be noted. This is all that was done. Later on we get a bill for {$260.00} for only my visit, not my husband 's. I reached out to them asking why we were being charged, they said it was because my husband 's visit was labeled as preventative so it was covered but mine was labeled as diagnostic. The doctor who asked me questions about myself, concerns, and medical history, who did the same thing to my husband, took my answers as diagnostic even though he didn't diagnose anything or inform me that if I answered honestly I would be charged, but took my husband 's answers as preventative because my husband answered that he didn't have concerns. I sent XXXX an email when I noticed the bill, before it was sent to debt collectors, asking why.
Here 's my email : " Good evening, I've received an email that our bill will go to Collections soon unless we pay however we are being billed incorrectly. My husband and I went to our first appointment that was essentially a physical, there was nothing extra or special that was done at these visits. According to our insurance the visit is being billed as diagnostic instead of preventative. I've read the notes for the appointment, other than answering the doctor 's questions about how I've been doing no other services were provided. I went in with the understanding that this was a preventative visit covered under the insurance and feel blindsided by this bill. I also don't understand why my husband 's visit was correctly logged as preventative while mine is categorized as diagnostic.
We would also like to know what process to take to stop this bill from going to collections while we sort out what the issue is. '' Their response back before they stopped replying and completely ignored me then proceeded to send my bill to debt collections anyway was : " [ My last name retracted ], my name is XXXX and I'm with XXXX XXXX. You recently contacted us regarding your XX/XX/XXXX date of service, account [ account number retracted ]. This appointment was made as a new patient visit to establish care and the doctor 's note indicate that is what services were performed, a taking of medical history, obtaining a list of current medications and current medical issues. Physicals are not done on a new patient visit. Please provide your husband 's name and date of birth if he would like his visit reviewed as well. '' And my final response to them, that they never responded to : " Hi XXXX, What's the difference between the new account and a physical? Can you send a list of what would have made these two things different?
Is there a reason why these new account requests aren't done through a Form or other electronic means if all they are are just providing information and health history?
What flags this as diagnostic if that's all it is as well? I'm being charged nearly {$300.00} just get my weight taken and respiration listened to?
How is this a diagnosis? And why do you sometimes place these visits under Preventative vs Diagnostic while not offering anything different?
If the difference comes with answering the questions the doctor asks and asking more questions I wouldn't have answered nor asked if I'd been told up front that this would have lead to a {$300.00} charge. '' This was the final exchange, they never responded back, and apparently sent my bill to debt collections anyway. This seems to be a very shady process, incorrectly billing and then no longer answering. I can only assume that they knew they were in the wrong and assumed it wouldn't be worth it to fight a {$260.00} bill.
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| 04/28/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ASSOCIATED CREDIT SERVICES, INC XXXX XXXX XXXX XXXX, MA XXXX RE : Collection account : XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : 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 : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that couldA be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
, do not call me on the phone, only contact me by mail or via CFPB portal.
Best Regards, XXXX XXXX
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| 01/05/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I had an account with XXXX XXXX water delivery service that has been paid off, but they continued to charge me after cancelation and after being notified of their error, and the ensuing balance is now an invalid debt held by Associated Credit Services.
On XX/XX/XXXX, at XXXXXXXX XXXX, I called XXXX XXXX to dispute a bill and cancel my service. Over the course of a 23 minute phone call, I canceled my service, arranged for my water dispenser to be picked up, and paid my balance of {$160.00} XXXX {$220.00} bill - {$60.00} late fee that they removed ). The representative who spoke to me removed the late fee from my account because I had not been notified that I was still being billed at all. I had mistakenly thought that the service had been canceled some time back, and during this phone call cleared that up.
XXXX XXXX did not show up when they were supposed to in order to collect the water dispenser. The next month, they sent me a bill even though I had already canceled my account.
On XX/XX/XXXX, at XXXX XXXX, I called XXXX XXXX to dispute them sending me a bill after I had canceled. Over the course of a 14 minute phone call, they apologized for this, removed all fees from my account, and arranged to pick up their water dispenser.
On XX/XX/XXXX, XXXX XXXX came and picked up their water dispenser from me.
Several months later, on XX/XX/XXXX, at around XXXXXXXX XXXX I got a call from XXXX XXXX about my balance. I called back a few minutes later, but they claimed that they had already turned my account over to collections in those few minutes. I called the collections agency right after that, and they said they did not have my account but would call me when it showed up, which would be in about an hour.
About 2 weeks later, on XX/XX/XXXX, the collections agency, Associated Credit Services, finally called me to tell me they had the debt at that point. I explained to them that I had canceled my account, and that I had called again a second time, after I had already canceled but XXXX XXXX was continued to charge me, and that the charges on my account for equipment rental were incorrect since I no longer had the equipment.
Sometime around the same time, I got two debt validation letters from Associated Credit Services, both with different amounts from XXXX XXXX. I sent a written reply to both letters saying I disputed the validity of the debt.
On XX/XX/XXXX, I received a debt verification letter from Associated Credit Services containing a series of bills from XXXX XXXX.
The bills sent to me corroborate everything that I told them : there is a payment on XX/XX/XXXX along with the removal of a late fee on that same date ; another bill shows the removal of a charge for equipment rental on XX/XX/XXXX, along with a notation that on XX/XX/XXXX, that they picked up 1 " equipment '' and 3 empty water jugs from me.
The bills sent to me show that the debt they are trying to collect is for the $ XXXX monthly " rent '' for the water dispenser, charged long after I canceled my service and they agreed to come get the dispenser, and long after they actually did show up to get the dispenser.
I have documentation of the dates, times, and length of the phone calls ; of the bills that the collections agency failed to look at before sending them to me, including all notations on the bills described herein ; and of the text notification they sent right before they came to pick up the water dispenser. I'm attaching the documentation of the phone calls, and can provide the other documents upon request.
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| 07/27/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
Older American |
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Account # : XXXXname of reporting company : Associated Credit Services Collections DepartmentDear XXXX dispute officer ; Please be advised that the creditor, XXXX/XXXX is being challenged and in the dispute process for the reasons stated below : The account belonged to my former tenants XXXX XXXX and XXXX XXXX, who can be reached via their social security numbers and current addresses which are on file with XXXX/XXXX.
XXXX XXXX XXXX alleged that there was a shared meter issue prior to the tenants moving out. After over XXXX attempts for the shared meter department to respond to an investigation, their findings results were that there was NOT any shared meters in the entire building.
In XX/XX/XXXX there was a complete re-wiring for all of the apartments in the building to new meters and there was XXXX meter installed per unit.
Permits were obtained from XXXX XXXX XXXX, and after a certified electrician re-wired and installed the new meters, XXXX XXXX XXXX sent an inspector to approve the proper wiring of the new meters according to their codes and we were given the authorization for use.
XXXX XXXX XXXX never sent any invoices regarding the above matter to me at my home address. When I was notified by Associated Credit, I asked for the invoices and bills from XXXX I was informed that I did not receive them because they were not sent to my residing address.
XXXX continued to provide electricity after months of non-payment which is not a common business practice for Utility companies.
I am writing this letter after several attempts to reach XXXX XXXX XXXX and requests for copies of the re-wiring inspection reports, and all shared meter allegations, and finally the dated approvals and passed inspections that were granted by XXXX XXXX XXXX inspector.
Finally, based on my attorneys ' findings, it is not Pennsylvania state law to refer outstanding utilities and bills to the landlord. I am requesting that this matter be removed from my credit report since XXXX XXXX XXXX is unable to provide any supporting documents that allow this to be reported on my credit.
Thank you for your cooperation regarding this matter.
Also my Attorney sent the following letter to associated creditT : ( XXXX ) XXXX F : ( XXXX ) XXXX XXXX XXXX XXXX, XXXXRe : XXXX, XXXX XXXX.
XXXX Your File # : XXXX $ XXXXXXXXAssociated Credit Services , Inc .
XXXX, MA XXXXDear Associated Credit Services , Inc., Please be advised that I have been retained by the above mentioned in regards to the disputeddebt with XXXX. As previously advised by XXXX XXXX, the matter is currently under disputewith XXXX XXXX XXXX. The sum requested by XXXX XXXX XXXX was incorrectly assessedto my client and therefore is being disputed.
In accordance with the Fair Credit Reporting Act I request that you not report this matter to anycredit agencies since it is currently under a verifiable dispute. It is well established that willfulnoncompliance with FCRA, may subject a violator to actual damages or a statutory fine, pluspossible punitive damages, as well as reasonable attorney 's fees and costs. Additionally, inregards to any future correspondence, kindly contact my office and not XXXX XXXX.
Sincerely, XXXX XXXX XXXX, XXXX.
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| 03/08/2019 |
Yes |
- Debt collection
- Medical 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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XX/XX/XXXX Dear Sir or Madame, I am requesting guidance on how to hold a collection agency and two billing companies accountable for damaging my credit score by purposefully and maliciously, submitting a debt I did not owe to the credit bureaus as a charge -off. This was done knowingly during my protected dispute period., as I was trying to get documentation to resolve the issue. Here are the facts : 1 ) I received a bill from XXXX XXXX XXXX XXXX XXXX, P.O. Box XXXX, XXXX, PA XXXX for {$250.00} for services rendered for an in-network procedure completed in XX/XX/XXXX.
2 ) I called them to request more documentation as I should not have had a balance after my co-pay, as my deductible was met. They said they had no records and to contact XXXX at XXXX XXXX At XXXX. XXXX said he could not help as he had no records as the billing company was sold.
2 ) I then disputed the debt in writing within 14 days of receipt of the bill requesting further documentation. I received none. ( I have written to all parties every 30-days to support my obligation under the law. ) 3 ) I called XXXX XXXX my health insurance carrier and they told XXXX XXXX XXXX XXXX to put collections on hold, because it was in the process of being paid by the carrier. XXXX XXXX XXXX ignored this and referred the alleged debt to Associated Credit Services , Inc., P.O. Box XXXX, XXXX, MA XXXX. I immediately sent a written dispute which is included.
4 ) Along with that dispute I included a check for {$26.00} as a good faith payment only toward any balance documented in the meantime. This was done to show good faith to prevent the matter from going into collections.
5 ) They cashed my check and did not respond in writing or by phone as requested.
6 ) Today, I called XXXX and spoke with XXXX who reported that I was mistakenly balance-billed and never owed anything other than the co-pay I made at the time of service.
7 ) XXXX can be contacted at XXXX option # 2, referencing interaction number XXXX and she could document that there never was a debt. I explained this to all parties and provided her contact information. It was ignored and not pursued.
8 ) Today XX/XX/XXXX, I called Associated Credit Services , Inc. and reached XXXX XXXX who reported the could not remove the charge-off collection from any of the credit bureaus. I asked why they pursued it during my dispute period within which I had disputed it in writing. He said they never received a letter which is false, as they cashed my check.
9 ) The false entry to the credit bureaus has caused me damage because they were illegally made during the protected dispute period, violating my federal rights. My credit score dropped XXXX points 10 ) This had an effect on interest rates on current debts and constricted my access to credit based on my previously XXXX score.
These companies have recklessly and wantonly trampled on my Federal rights and must be held responsible.
Respectfully,
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| 11/05/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 03/28/2015 |
Yes |
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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Charged me for a utilities and refused to accept proof that I was not residing at property at time bill was made. No record of call to disconnect. I paid this company 's hired collection agency ( Assoiated Credit Services ) {$410.00} in order to remove a debt from my credit reports related to a bill that I did not make for utilities. I have explained that I moved away from property. I left the state for a contract travel assignment for work on XX/XX/XXXX. XXXX XXXX was notified on XX/XX/XXXX but they conveniently lost the record of my call. The owner of the property will not remove it due to a unrelated dispute. The property was vacant but billing continued for XXXX months after I vacated. I received a bill on XX/XX/XXXX and promptly notified XXXX XXXX that there had been a mistake and requested service be disconnected. There was no previous balance due. I was told that there would be an investigation and I would receive a final bill minus the time I was away from property but I would be contacted by a supervisor if they needed my documents of proof. I never received any further correspondence. I restarted my credit monitoring service a few months ago and noticed that I had been referred for collection. I immediately called XXXX XXXX to resolve matter but was informed that ASC was in full control of collections and they refused to accept a payment. The representative also suggested I file a dispute with the credit bureaus and explain the matter. and/or file a dispute with the credit bureau. I called ASC and explained the whole ordeal of moving and not being notified or aware of bill or collection efforts. I was told to call XXXX XXXX to have matter corrected and/or dispute the inaccuracy with the credit bureaus. I explained that I was willing to pay debt to expedite the removal despite not owing bill, the ASC representative agreed and said I would get a receipt in mail but they could not put in writing that they would delete. I was told by XXXX XXXX and Associated credit services to " call the credit bureau and challenge the debt ''. I did, XXXX reports that ASC verified the debt was valid and that no payment had been made. I have a contract for employment with a start date XX/XX/XXXX in South Dakota on a remote XXXX XXXX. It is not possible that I made the bill for utilities. Someone was residing at the residence. I am positive I called to disconnect service.
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| 12/29/2022 |
Yes |
- Debt collection
- Other 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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Two weeks ago I received a notification/alert from XXXX XXXX Identity Theft Protection that an account in the amount of XXXX had been opened in my name. I had not opened one so I called them. They verified that an account had been opened by XXXX XXXX XXXX XXXX ( " XXXX '' ), XXXX, MA phone number XXXX XXXX XXXX.
I had no idea what this was about so I called them and they said I owed XXXX. They told me it was due to XXXX XXXX and that it was for my address in XXXX. I said I don't live in XXXX and they told me the address in XXXX. That was my son 's former apartment. He has not lived there in more than XXXX XXXX, but sublet the apartment up until XXXX XXXX XXXX. Apparently the bill was for the final gas bill. When he got the apartment, XXXX XXXX wanted to use my name as he had little credit history. ( I have not seen the bill, so I can only assume that the bill and amount are both correct and that I owed this amount. ) I told XXXX I never received the bill. They told me several copies of the bill had been sent and I asked where ; the bills had been sent to that XXXX address. I explained that no one was at the apartment who could have received it. I told them that I wanted to see the bill ( have not received it yet ), but to resolve this quickly because it went on my credit report, I paid it.
It is quite disturbing that they would report me to the credit bureaus without trying to contact me at my correct address or call me about it. I learned from XXXX today that my score dropped XXXX points on account of this, as it falls into the very negative category of collections. I was about to apply for a personal loan and this impacts me financially quite severely. I checked with the two other credit bureaus and found similar effects. I have filed disputes with each of the agencies.
This is unacceptable, predatory behavior and would ask that you investigate XXXX and reprimand them or censure them, or take other appropriate legal action. I am an XXXX ( I do not do consumer finance ), so I will have to see if this will have lasting impact. If this account remains on my credit report, I will strongly consider filing a suit agains XXXX. There is no way a credit report filing should follow on a debt that is not that old and when no one used due diligence to locate me and send me the bill at my correct address.
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| 12/07/2018 |
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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Web |
Servicemember |
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I received a call today from Associated Credit Services, Inc which I initially missed but subsequently returned on XX/XX/2018 at XXXX and interacted with a representative for 1min and 43sec during which the representative stated that the call was being recorded. I also record calls which I determine are potentially fraudulent because I am still dealing with the aftermath of my identity theft. I informed the representative that my identity had been compromised and therefore I was also recording the conversation for my own records. I also asked that Associated Credit Services , Inc. validate the alleged debt. I was interrupted by the representative who stated she did not consent to me recording the call. To which I responded if that was the case then I also did not consent to the call and that Associated Credit Services , Inc. cease and desist from calling me. XXXX XXXX XXXX XXXX XXXX states " An individual who is a party to either an in-person conversation or electronic communication, or who has the consent of one of the parties to the communication, can lawfully record it, unless the person is doing so for the purpose of committing a criminal or tortious act. '' As indicated in the attached recording I was only recording the conversation to protect my interests and not for the purposes of committing a criminal or totious act nor was I attempting to record the call in secret. My credit has already been severely damaged as a result of identity theft and as a result at the advice of my attorney I have recorded ALL interactions that involve debt collections in the event I need evidence for court that the collection agency is violating my rights under the FDCPA. Furthermore I am of the opinion that Associated Credit Services , Inc. asking for and recording my personal information over the phone is a privacy violation. I do not at feel comfortable sharing PII over the phone or it being recorded because I have no way have knowing who has access my PII, what security measures are put in place to prevent my PII from further compromise, what auditing procedures are in place to ensure only the personnel that needs access in order to perform their jobs has that access, and what processes/procedures are in place to permanently dispose of my PII while ensuring confidentiality.
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| 06/15/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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ASSOC CREDIT SERVICES XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious ASSOC CREDIT SERVICES XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In XXXX XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX # XXXX XXXX XX/XX/2000 CURRENT ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX
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| 12/15/2021 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Indicated you were committing crime by not paying debt
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Web |
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On XX/XX/2021 I received a letter from ASSOCIATED CREDIT SERVICES , INC sent me a letter via mail stating I owed a debt and that legal action can be taken and any information will be used against me to collect such debt. The letter has my personal information all over it. After I received the letter I started receiving calls from the company mentioned above stating I owed a debt and any information would be used against me to collect the debt. When I answered the phone the lady did not follow the Fair Debt Collection Practices Act and Congress has declared abusive practices are abundant and that is why they enacted the FDCPA due to inadequate existing laws.By definition under the FDCPA the above mentioned company is a Debt collector they said so themselves on the phone and in their letter. They violated 1692b by asking if I was who I am but did not state it was to correct or confirm location information. They stated I owed such debt. They contacted me without my permission. They used language and symbols that relate to an collection of debt.Under 1692c they violated that section by communicating with me without my permission and an unusual time and place. They communicated with Third parties without my consent given directly to them.They violated 1692d using harassment or abusive words and tactics. They caused my phone to ring repeatedly. They also used obscene and profane language on the phone and in the letter to abuse the hearer or reader. This company mentioned previously above violated 1692e using false or misleading representations. This company violated 1692f with Unfair practices. I stated for them to validate the debt pursuant to title 15 U.S. Code 1692g and they did not send anything. There for this company is liable to me pursuant to Title 15 U.S. Code 1692k in the amount of {$14000.00} and any damages a court may award. I demand this company compensate me for causing such XXXX XXXX XXXX to my XXXX XXXX and due to the abundance of evidence they violated the Fair Debt Collection Practices Act the supporting documents shall be uploaded. Affidavit will be sent to company.
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| 05/08/2018 |
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
- Their investigation did not fix an error on your report
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Web |
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On XX/XX/2018, at XXXX XXXX, I placed an 8 minute call to Associated Credit Services ( ACS ) in XXXX, MA at ( XXXX ) XXXX regarding a debt collection that appeared on my credit report that morning. I had received no notification regarding the debt or the original creditor to that point, and was told by the ACS rep that it was a XXXX XXXX account ( and if I had any disputes, to contact them directly ). I contacted XXXX XXXX at ( XXXX ) XXXX on XX/XX/2018 at XXXX XXXX. I was told by the customer service rep ( XXXX ) that I could pay XXXX XXXX directly over the phone. I asked whether the account could be pulled out out of collection first ( as it had only been placed for collection several days earlier ) and he said yes. I then proceeded to pay the entire amount allegedly owed by me with my debit card to ensure the collection would be resolved and removed from my credit report. I waited a couple days for the payment to clear, and several days more to see if my credit report updated. It did not. I then filed a dispute with all 3 credit bureaus, and received a response this morning showing that the collection account was updated to " Paid in full. '' I never paid Associated Credit Services - ever. They did not have collection authority at the time I resolved the balance as XXXX XXXX had taken it out of collection and allowed me to pay in full directly to them. Had ACS exercised its due diligence in investigating disputes per the FCRA, it should have obtained the information from XXXX XXXX regarding the revocation of authority effective XX/XX/18. Without collection authority, ACS had no legal right to update the status of the collection upon receiving notice of the dispute. It should have been deleted entirely. I can prove legal damages as well as I was in the middle of refinancing my home when this issue arose and I have unable to continue with that process. As an XXXX I am prepared to challenge this violation in court if I must, as well as involve the Attorney General of the Commonwealth of Massachusetts and the XXXX if needed. I hope I do not need to take these steps.
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| 05/23/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I had 2 credit card with the XXXX bank which were sold to XXXX bank. I had a law suit filed by XXXX Bank against me re one of the credit card in XXXX. Somewhere around XXXX of XX/XX/XXXX I received the phone call from Associated Credit Services. Since one credit card was in the legal dispute and only attorneys could communicate on the subject I thought that Associated Credit Card Services Rep is talking about the second card and I settled the debt for {$3000.00} with the Associated Credit Services , Inc ph : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX and this settlement was fully paid ( {$1000.00} withdrawn from my account on XXXX XXXX ; XX/XX/XXXX and XX/XX/XXXX ).
Meanwhile I also settled the credit card which was in the legal dispute through my attorney and also paid the settlement fully and the file was closed on the court level. Later I discovered that both settlement were done for the same credit card ( not two different accounts ).
I called XXXX Bank and they said that they never received the settlement from Associated credit services nevertheless they sent me 1099 C form with the debt discharge and the amount corresponds to Associated Credit Services settlement. They reject to discuss and say that they never received the money from Associated credit services.
I haven't received the confirmation of the settlement from either Associated Credit Services or XXXX Bank after multiple requests.
XXXXt bank denies that the settlement with Associated Credited exist and that they received the money and Associated credit Services has been promising email/mail the confirmation of the settlement since XXXX, XXXX.
I made multiple phone calls to Associated Credit Services and they always say it's on its way. I talked to XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX and other people. It's already about 3 months since I am trying to resolve the issue and none of the parties involved acknowledge the settlement done by associated Credit Services with official letter and XXXX Bank denies it at all. I apid for the same settlement twice and it seams like a fraud
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| 01/31/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Older American |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACS IncXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX..
View customer complaints of ACS Inc. ( XXXX XXXX XXXX ) From : XXXX XXXX Sent : Thursday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Important Information from ACS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Creditor : XXXX Our Account Number : XXXX Original Account Number : XXXX Balance : {$50.00} ________________________________________ Dear, Despite our attempts to reach you, your account remains significantly past due. We would like to assist you in resolving your collection account. Upon resolution of your account, all collection activity will be stopped. It is important that we address your account promptly. Even if you are experiencing a financial hardship, we would like the opportunity to work with you towards a mutually agreeable resolution. Please keep in mind that unless you communicate with us, we can not assist you. Please contact our office as soon as possible to further discuss your account.
Mail : To make a payment by mail please send your payment to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX Phone : To pay by phone or if you have questions about your account please call XXXX Online : To make your payment online please visit XXXX or click the button below CLICK HERE TO PAY Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Toll Free ( XXXX ) XXXX Fax ( XXXX ) XXXXXXXX XXXX This communication is from a debt collector. This is an attempt to collect a debt, and any information obtained will be used for that purpose.
CO : In Colorado : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CO XXXX. ( XXXX ) XXXX.
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
NC : North Carolina Permit # XXXX - XXXX XXXX XXXX, XXXX XXXX, XXXX, MA XXXX North Carolina Permit # XXXX - XXXX XXXX XXXX, XXXX XXXX, XXXX, MA XXXXXXXX XXXX XXXX This collection agency is licensed by The XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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| 07/17/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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Associated Credit Services Inc. began calling me on XX/XX/XXXX regarding a charged off credit card consolidation account. I believe my account originating from XXXX XXXX switched companies at some point prior to this. Up until about three weeks ago, it was being handled by a company called XXXX Co. I have six different unsecured accounts at the moment. Only one of those companies ever had the actual decency to write to me and e-mail me notifying me that they've sold the account to another company, and every other time I end up finding out through trial and error, but I digress. This complaint pertains directly to Associated Credit Services Inc.
I received their initial contact letter at the beginning of XXXX. I sent them a small monthly payment check and a printed response letter on XX/XX/XXXX. Part of my letter reads : " Please do not call me. I am NOT demanding that you cease all communications with me, but please only contact me in writing. '' Well, my bank records show my check cleared on XX/XX/XXXX, so I know there's no question on whether or not they received my letter. They tried calling me again at the end of the day on XX/XX/XXXX. On XX/XX/XXXX, not only did they NOT comply with my peaceful request to stop calling me, they actually escalated their activities. They called my cell phone again at XXXX AM. They also tried to call my XXXX mother 's home phoneline a minute later at XXXX AM to start bothering her for no reason when she has nothing to do with my debt. They've been notified in writing to only contact me in writing. How much more XXXX can they get?
I've attached phone logs of all the call attempts for reference. Im also attaching a copy of my letter I sent them. My cell phone is set to forward unknown callers directly to voice mail without ringing my phone. It doesn't block calls. I have never spoken to Associated Credit Services Inc. on the phone personally, nor do I intend to. From my experience, phone conversations are where things start going wrong, and then everyone ends up debating over who said what later on.
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| 03/26/2019 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received a letter dated XX/XX/2019 trying to collect {$20000.00}.
The FDCPA aka Fair Debt Collection Practices Act, I have every right to request validation of the debt you say I owe you. Associated Credit Services must supply physical proof that I am the person you are asking to pay this debt and that there is some sort of contractual obligation that is binding on me to pay this debt.
This is absolutely not a request for verification or proof of my mailing address, but a real request for validation made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
I am requesting for the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for Associated Credit Services , Inc. in case legal action becomes necessary. Your claim can not and will not be considered or accepted if any portion of the above is not completed and returned with copies of all requested documents.
This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
Finally, I demand that your company cease all phone calls and robo calls immediately.
Thank you.
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| 10/26/2022 |
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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Web |
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Today on this date of Wednesday, XX/XX/2022, I reached out to Associated Credit Service Inc. regarding an account that they are stating that I have with them. After having given them my name and social security number, I was then asked to verify my home address. I gave them my current address as well as all the ( XXXX ) previous addresses that I've lived at. They then stated that none the addresses were the correct address that they have on file in regard to this account. The person handling the call then stated that since we can not verify the address, that there is nothing we can do moving forward. ( Paraphrasing ) I then contacted XXXX in attempt to see what my next steps should be. The rep. expressed that she would update the dispute. I additionally contacted XXXX and the rep. stated that I should contact the Federal Trade Commission to initiate a claim, which upon starting said claim I was redirected here. CFPB Citing the fair credit reporting act, 607. Compliance procedures [ 15 U.S.C. 1681e ] ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
( c ) Disclosure of consumer reports by users allowed. A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.
( d ) Notice to Users and Furnishers of Information ( 1 ) Notice requirement. A consumer reporting agency shall provide to any person ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer ; or ( B ) to whom a consumer report is provided by the agency ; a notice of such persons responsibilities under this title.
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| 10/10/2019 |
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 used to be a customer of XXXX XXXX and be paperless enrolled and make all my payments via automatic payments. I never missed a payment from of utilities.
In XXXX I moved from XXXX to XXXX and closed the XXXX XXXX account and I was expecting that any remaining balance should be paid via automatic payment.
Since that, I never received any final bill my to my current address. Also, I never received any call or email from XXXX XXXX. Just a quick remember that I was used to receive my communication and bills via email because I was paperless enrolled.
On XXXX, I received an alert from XXXX about a Collection account was reported to my credit report, I call XXXX to understand the details and I was informed that the company ASSOC CREDIT SERVICES reported a debt collection and the original debt is from XXXX XXXX. I got very surprise because I never received any notice of this debt from XXXX XXXX or the Collection company.
In the same day of XXXX, I call the collection company and paid in full and requested to than to remove this derogatory account from the credit bureaus ( XXXX, XXXX and XXXX ) because I neves received any notice, however I was informed by the agent they were not able to do that.
Since that, I started to open disputes of this collection account report in my credit report directly with XXXX, XXXX and XXXX. In the next day, XXXX, XXXX accepted my dispute due the argument that I never receive any notice and because they know I never missed a payment and this was a mistake.
On XXXX I call XXXX to get the status of my dispute and I was told they can't remove because that account belongs to me. I did not accepted their decision and I placed I new dispute. XXXX information from phone and website are very incomplete and inconsistent, it has been impossible to follow this dispute with XXXX. The dispute number is XXXX.
XXXX has never provided a feedback.
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| 03/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I canceled my gym membership over the phone with XXXX XXXX. When asked what bank I wanted the close out fees deducted from I provided my existing bank ( XXXX XXXX ). An employee working the counter at the gym took my bank account and routing number. She then charged an old bank on file ( XXXX XXXX XXXXXXXX ) that had been closed for 2 years for {$49.00} on on XX/XX/XXXX. In her defense they have very similar account numbers, but completely different routing and bank names. I then spoke with XXXX XXXX ( handles billing for XXXX XXXX ) who fully admitted fault in writing. I offered this admission in writing to XXXX XXXX, who told me they would contact me and let me know if they needed the information, but never took my evidence, and completed the case weeks later by sending me a letter saying no fraudulent activity was found ( after their own agents told me to open the fraud case in the first place ). To be clear, I never gave XXXX XXXXXXXX XXXX authorization to charge a XXXX XXXX account , in any dollar amount. XXXX XXXX reopened my XXXX year old closed account and debited the amount, and then charged me overdraft fees and it was sent to collections before I ever knew what was going on. I am a Financial Advisor and it is very important that I do not have debt settlements or collections as it could effect my licenses. The money is a minor amount and not the issue for me. It's the principle that I provided correct, updated bank information, and a bank that I haven't used for anything and has been closed for over 2 years is extorting me for petty overdraft fees. This is bad business and absolutely fraud.
Additional info : I updated my bank account information with XXXX XXXX on XX/XX/XXXX online, and took the time to be extra careful and read out the entire account number and routing number for XXXXXXXX XXXX to the representative at XXXX XXXX on XX/XX/XXXX.
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| 02/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
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Web |
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In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name : XXXX XXXX XXXX Original Acct # XXXXXXXX XXXX Acct # XXXX XXXX Acct # XXXX Has violated my rights I have received 11 collection letters by email on these dates with 2 different account numbers and different amounts I should pay XXXX Balance {$230.00} - Acct # XXXX XXXX {$230.00} - Acct # XXXX XXXX {$230.00} - Acct # XXXX XXXX {$230.00} - Acct # XXXX XXXX {$290.00} -Acct # XXXX XXXX {$230.00} -Acct # XXXX XXXX {$230.00} - Acct # XXXX XXXX : {$530.00} -Acct # XXXX XXXX : {$230.00} -Acct # XXXX XXXX : $ XXXX Acct # XXXX XXXX : {$290.00} -Acct # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
15 U.S.C. 1692C Withoutthe priorconsentof the consumergiven directly to the debt collector or the express permssion of a court of competent jurisdiction. a debt collector may not communicate witha consumer in connection with the collection of any debt
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| 02/08/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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I feel that they gave me a bad experience and probably lied to me by ...
Saying that paid in full would do me more good than settle than less than full balance would be more beneficial on my credit report and would increase my points higher, I could say that Im most likely sure that that was a lie.
Assumed that I did not have money and made me feel bad about it by saying that I should not schedule a payment if I'm not going to afford it, Also at the beginning of the call he said that next time that I call he would not give me the same offer because it was just for today XX/XX/2021 and then he tried telling me that it was better to wait to think about it and then call back whenever I had money next week ( in other words trying to make me lose the settlement and trying to charge me more next time that I call ) but I let him know that I noticed that and then after him promising settlement offer until the XXXX he decided to change it to the XXXX of the month leaving me with less time to come up with the funds for the settlement.
He also tried to force me in to a payment arrangement of the original balance even though I told him plenty of times that I was not able to come up with that much money because of my situation that I also let him know and the previous collector that, Also I fell that he lied about not being able to see the previous collector notes because later on the call he stared to say that he was reading lasts offers on the notes.
I also tried to be reasonable and think that there was just confusions between me and the collector but as the call continued I knew that it was not a confusion and the collector most likely had no good intentions at helping me like he said.
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| 10/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Good day!!
I had an issue with debt collection company which didnt call me or email me about my debt which fallows to appear big collection in my credit report!! Plus XXXX XXXX didnt read meter reading on time and start billing me wrong amount which caused big debt and this was incorrect cuz I left my current place long time ago plus XXXX XXXX didnt even try to call me or text me even email me!! So as today I paid off everything make sure I wont owe them money, but they dont wan na remove this collection from my credit report, but as I spoke with one of collectors they said they will remove after I paid whole balance!!! After few days later they said it will be in your record for 7 years ( ( ( Im totally disappointed and broke that collectors didnt keep they promise plus on top they didnt even try to call me or email me!!! Totally disappointed with outcome even I try and take responsibilities and paid off whole balance!!! I wan na complain about professionalism of this collection company which leads bad mark on my credit report even when I paid off whole balance, but at the beginning they said paid for delete As you may see my whole credit report was perfect no late payments and no big debt was under my name, but this case was inappropriate toward regular consumer who didnt know about this debt and never had communication with me about this debt and collectors just was indifferent about my future and reported without knowledge me about this serious problem!!! Pleas can you help me to resolve this issue cuz Im trying to remove this collection from my credit report after I paid off in full whole balance!!! Pleas!!!
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| 09/04/2019 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This is regarding a collection notice that I have received from Associated Credit services. This pertains to an XXXX XX/XX/XXXX bill for the delivery of my child on XX/XX/2018. XXXXXX/XX/XXXX was the provider for this service. I was covered on my own insurance by XXXX XXXX Member ID XXXX until the day my baby was born and subsequently me and my child became a dependent on my spouses plan on the day of her birth with member ID XXXX.
XXXXXX/XX/XXXX failed to bill the right insurance member ID and hence failed to collect their fees in a timely manner. I was covered by my insurance, old and new through the entire course of these events and continue to be covered to this day. I have confirmed with my carrier that they have billed the wrong ID. I should to be penalized for a billing that was improperly submitted. It is not my job to take care of billing an insurance company.
Subsequently they sent my bill to collections - Associated Credit Services who I tried to call and explain my problem. I asked them for a number to call the XXXX XX/XX/XXXX and they said they cant disclose the number and I should XXXX it and call them. I did XXXX but didnt end up having a person respond on the other end. I have called the hospital itself in hopes of getting directed to the XX/XX/XXXX billing department multiple times without response. The numbers I have called are XXXX and XXXX I called Associated credit services again and they said they are a collections company and cant help me with this.
I have unfortunately not been able to speak directly to XXXXXX/XX/XXXXdue to lack of a contact number or paper bill
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| 12/10/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Hello ; this is strange! I was applying for some random accounts and noticed that is a collection flagged into my account which I was never notified and mailed me a letter about.
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
|
| 08/04/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I discontinued service with XXXX XXXX ( original creditor ) in XXXX XXXX. XXXX XXXX made no attempt to contact me about a past due balance prior to selling the account to Associated Credit Service, a collection agency. I did not become aware of the debt until noticing the collection account for {$340.00} on all three of my credit files. Associated Credit did not inform me prior to posting the derogatory information in my credit files. According to the date listed in XXXX, the collection information was posted over 60 days ago with no contact from Associated during that time. I offered to pay the balance to XXXX XXXX if they could remove the collection but was told they could do nothing about it except updating the account as paid however XXXX XXXX can remove the negative information. XXXX XXXX claims that they sold the account off to Associated and are no longer responsible for any collection activity.
I paid the {$340.00} balance to Associated Credit and asked that the negative information be removed a second time. Again my request was denied and I was told that XXXX XXXX would need to take action.
The account they are collecting for was included in bankruptcy filed in XXXX XXXX and discharged XXXX XXXX. It is somewhat a grey area weather or not the balance was even collectable as at the time the bankruptcy was filed a balance was owed on the account but payments were continued to maintain electric service. A new account number was never issued.
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| 08/30/2016 |
Yes |
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
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Web |
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You can go ahead and investigate this company. I have been trying to resolve a bill with XXXX XXXX and have spoken to them today on XXXX/XXXX/2016 in regards to my account and they said one thing they never do is put anything on folks credit report if they agree upon or trying to pay off debt.The only reason i had a big bill is because a consumer used my name fraud without my permission saying it will save me money on my bill. We are currently in court resolving this issue. See documents attached. This company has called me NUMEROUS times and i advised them of my situation. As they seem to be understanding however no one has took action nor updated the systems any time i called or a rep called. Then i called again today and told them i will not pay them anything until they take my name off the credit report and they told me they would sue me. I find that really funny because that is against the law not only that only i am able to sue you guys for the many phone calls i received and the lies and miscommunication. i have my notes of every single phone call and rep i spoke with and will show all this in court. I will be reporting them to every single media outlet i know. It is n't right. I want to pay my debt and have no problem doing so but if i am TRYING to do something DO NOT LIE and go behind my back and do something WE agreed upon. Regardless of what i want this off my credit report as i am making payments period point blank.
|
| 07/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Associated Credit Services , Inc.- While attempting to collect a {$600.00} bill that is not mine, reached out via phone to advise me of a bill from XXXX XXXX XXXX XXXX XXXX This bill was from address XXXX XXXX XXXX XXXX, I have never resided or had utilities in my name at that address. ( See attached expired federal drivers license with address of residence ) XXXX XXXX was a rental property that someone else owned/rented from and I moved before the residence 's electric was shut off, but because they are trying to add the two meters ( on the same home ) together, I am now receiving this unpaid bill, almost 5 years later. No way, it's not mine and I am formally disputing BOTH companies record of this because it is inaccurate. I did ask for a copy of the bill when I was first notified to verify it was actually mine, the address on the bill clearly states XXXX XXXX, not XXXX. All documents are attached. Please do not have them contact me, take payments from me and send that bill back to XXXX XXXX so I can dispute and handle legally with that company. The gentleman I spoke to at Associated Credit Services was extremely rude and ignorant discussing this issue with me- he clearly has no idea what is going on and didn't care to hear it ( outside of his mindset ) He should not be dealing or handling ANY customer service issues whatsoever.
Any questions please feel free to reach out to me. Thank you in advance.
|
| 08/28/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
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I have a bill from firsts energy of {$280.00} and when I first moved from the property that it was owned it was {$400.00}. I have been in communication with first energy and they 've told me several times that they will NOT PUT THIS ON MY CREDIT REPORT as long as I make payments. Does n't matter how much I make long as I put something towards it. They also mentioned that with the system they have it may have to still go to collections bc its old however it wo n't go on my credit report. So associated credit services called me SEVERAL times and I explained to them my situation and assured them many times the status. Last call was one week ago and I let them know I made a payment. So I just made a payment a week ago and advised every time I get paid I will make a payment So the lady said se was willing to work with me and will also keep it from going on my credit report. Yet I see it on my credit report and different reps at this office said different things. I am doing my best to pay this off and I do n't want to be harassed and threated and on my credit report.Most people do n't even make attempts but I do and will keepon until its paid. I have a illness that kept me from work so I could n't pay the big amount of {$50.00} like I was as I was behind on so much but again I have been working on it. So I want them investigated and shut down for all this mess they just caused with it being on my credit report.
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| 02/22/2023 |
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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To whom it may concern On XX/XX/2023 I've signed up with XXXX credit reporting agency for a 30 day trial to see whats in my credit report. I saw that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX have placed a negative credit on my file without them notifying me of the debt and my rights respectively, immediately I contacted them and they said that they did send the correspondence to my old address, so I told them that I've moved to another State " and you ( ASSOC CREDIT SERVICES ) know about it because National Grid told you so '' they dismissed it that that's not there problem. I told ASSOC CREDIT SERVICES that I have communicated with National Grid by email only and I only paid them online ( they did send me statements be mail as well ) however any notification has been sent by email only, and you got from National Grid my cell number and email address because it's on file there, but didn't attempt trying to reach me, they rather had everything done on autopilot thus screwing the customers in the process.
On XX/XX/XXXX, I've called ASSOC CREDIT SERVICES to complain about it and was told that they will look into it, and on XX/XX/XXXX I called and spoke to XXXX XXXX and then to Supervisor XXXX XXXX XXXX they both told me that they are not going to work with me. Additionally they've refused to send me correspondence to my current residence.
XXXX XXXX
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| 01/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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Hello, I have been sent to a debt collector by XXXX XXXX XXXX XXXX XXXX regarding a consumer loan for equipment purchased from XXXX XXXX XXXX systems. I XXXX XXXX XXXX, and I closed my account with both companies in XX/XX/2022. I received written notification from XXXX stating they closed my account and sent the information to XXXX to close my debt and that the equipment was returned. I have contact XXXX multiple times average once a month since XX/XX/2022, I was told it could take up to 30 days for the information to reach them and the account to be closed. Every attempt to resolve this issue with XXXX has resulted with them hanging up on me or never answering the phone. On XX/XX/XXXX I was on the phone with XXXX and XXXX customer service ( Conference call ) for 48 min. The XXXX XXXX told the XXXX rep that my account was closed and that I shouldn't owe any money, I then informed the XXXX XXXX that they actually owed me money due to them continuously pulling money out of my account for almost a year until I finally put a stop payment on them thru my bank. About a min after I informed them of this the call was dropped. I have now been sent a letter from Associated Credit Services , INC that I owe {$1600.00}.
Please assist me in this and let me know what else you need from me.
Thank you very much XXXX XXXXXXXX XXXX XXXX
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| 03/20/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I have gotten cell phone calls from Associated Credit Services XXXX XXXX demanding payment for a medical debt that was paid in XXXX. The caller said they would continue to contact me unless I sent them proof of payment. I directed the agent to contact XXXX XXXX XXXX billing dept at XXXX XXXX XXXX to confirm the payment of XXXX.. ( payment of {$50.00} XXXX & {$310.00} XX/XX/XXXX. ) I also asked why their client did not notify them of the payment. I contacted the group to confirm that they had gotten my payment. I was told by XXXX XXXX XXXX that I did have a XXXX balance on my account. I was told by the agent they would forward this information to the collection agency. This call was on XX/XX/XXXX.
Today XX/XX/XXXX I got another call from Associated Credit Services demanding payment on the dept. I told the agent it had been paid in XXXX and they were trying to collect on a debt. that was already paid. I was told they would continue to call me until I send proof to them that I paid the bill. I said they needed to contact their client. I have never heard of a situation when a client wouldn't notify the collection agency of a payment. The caller refused and said it was up to me to prove I paid.
Again I called XXXX. and was told this would be communicated to ACS and confirmed that there was a XXXX balance due.
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| 08/25/2023 |
Yes |
- Debt collection
- Other debt
|
- 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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I was wrongfully a victim of identity theft had a bill put in my name by someone trying to be me I told them it wasnt mine an they said well we cant do anything about it because they use your name and Social Security number at the time I was sleeping on the floor at my husbands grandmothers house, so I was very confused because I only lived in XXXX XXXX in XXXX XXXX at the time I got sent this I contacted them and they told me If you dont pay it, were gon na destroy your credit. They said was they had your Social Security number and your name they cant do anything about it. And when I contacted them, they said it was for an address of a home ( house in XXXX area ) which Ive never lived in that area .I even told them that it was a legit home that I couldnt afford a home that Ive been renting or sleeping on familys floors they didnt seem to care I contacted them recently, asking for advice because they took my new address and slapped it on that bill like it was my debt to a place Ive never lived at I confronted them. They didnt give me no answers. I try to resolve this and they asked what my current address so they can send me updates about the dispute and then they end up sending me the current bill with my current address on it. This is on XXXX and to be honest. This is my worst experience ever.
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| 08/29/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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I contacted associated credit service to try to resolve an outstanding balance of {$350.00} when speaking to agent and explaining if they received my insurance coverage letter that i faxed in agent was very rude to and said that they do not care if i faxed any information or not that it is not their fault that i owe this amount and that i should pay asap. while explaining again about my insurance coverage that they initially requested agent said he does not care and that i should contact my insurance or the people i owe money to so i would not be in these situations. i asked to speak to a supervisor agent refused by saying he is a supervisor and can not transfer me to any other person when i threatened to report him to consumer finance agent immediately transferred me to someone else but before he did he said it is my responsibility to pay not to blame someone else name mercado or mercada. Agent as well kept cutting me off when trying to explain.agent i spoke to said he does not know how other agencies handle things but his agency has a different approach at collecting a debt. i feel threaten now specially that they know my address and personal information. and by the way they responded i feel they might use this information misleading.
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| 06/22/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
|
In mid XXXX ( XXXX ) we moved into our apartment, got offered through the company XXXX XXXX for water deliveries, coming straight to the door and a water dispenser. Had them for about a year and found out I was deploying in XXXX of XXXX so I moved my wife back to family in Florida transferred the account where we continued the account for about 5 months before my wife moved back up because I was coming home. Canceled the account in that process and verified on multiple accounts that our account was paid in full and that there would be 0 surprise bills, all were negative, everything was paid, and no bills would come. Now, we've been getting calls from a debt collector saying we owe XXXX of dollars, we owe on the water dispenser, we owe for late fees, and the company can't even get into our account to tell us what it is we owe on. I've looked into this problem through XXXX XXXX and it has apparently happened to multiple people, same problems cancelling accounts, somehow months later their account isn't cancelled its suspended for missed payments. I would like this to be solved to prevent scares to other people who as well thought this would be a great deal.
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| 01/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
|
I was the victim of identity theft and a loan with XXXX was taken out fraudulently in my name. I submitted the required paperwork with XXXX to initiate a fraud claim on XX/XX/2022. On XXXX XXXX, 2022 XXXX confirmed that my fraud claim was substantiated. As of today. XXXX XXXX, that claim was confirmed two additional times, on XXXX XXXX and XXXX XXXX. Due to administrative error, the debt was sold to XXXX XXXX XXXX on XXXX XX/XX/2022. I also received a letter from XXXX XXXX dated XXXX XXXX. I contacted XXXX about this, and they confirmed on XXXX XXXX, both via phone call and email, that the fraud claim was substantiated and I was not responsible for the debt. Further, they stated that they had purchased the debt back from XXXX XXXX XXXX. On XXXX XXXX I received a letter from Associated Credit Services saying that I still owed the debt. I contacted ACS on XXXX XXXX and was directed to forward my documentation to XXXX. I did so, however when I returned a phone call from ACS later in the day I was told that my fraud claim had been rescinded and that I need to pay a minimum of {$3200.00} to clear the debt. I refused to do so and the agent ended the call.
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| 07/01/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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In XX/XX/2019 I had a collection appearing on my credit report under XXXX XXXX XXXX with the original creditor being XXXX XXXX in the amount of {$120.00}. The amount was paid in full to XXXX XXXX on XX/XX/19 and after XXXX XXXX removed the collection from my credit reports. On XX/XX/2019, I received a credit alert stating Associated Credit Services has reported on this same collection that was paid off. I called a representative to inquire about this collection and stated that it was not only paid in full to XXXX XXXX but that this collection was under XXXX XXXX. The agent then asked that I send in " proof ' that it was paid to take it off my report. I asked why was Associated Credit Services asking for proof of payment when the collection was with another collection agency and that the collection was paid in full to XXXX XXXX. I then asked when was the account given to Associated Credit services and the agent stated XX/XX/XXXX which is the exact same time the debt was paid in full. The agent could not answer any questions and couldn't tell me when they " allegedly '' got this account from XXXX XXXX after being paid in full.
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| 05/20/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In late XX/XX/2021 I signed up for at-home water delivery from XXXX, a XXXX XXXX XXXX XXXX XXXX I received my first delivery and water dispenser. For the next water delivery, the company was delayed. Then delayed again and again. Finally I contacted the company and cancelled my service. This was confirmed by email. When the driver next showed up, he tried to deliver water but I refused the water and asked him to return the dispenser as well. In XXXX and XXXX, XXXX continued to charge me for water that I never received. I contacted the company and was assured that there was no actual charge as my account was closed. Early this year, I XXXX tried to charge me again. This time I contacted the company by phone and was assured that it was just a computer error, I did not owe any money. This XXXX, I received TWO invoices from ASSOCIATED CREDIT SERVICES , INC. informing me that I owed XXXX in the amount of {$46.00} and {$150.00}. I don't know what these amounts represent as I paid for my original water, and never received any product from them again. Please help me to clear up these fraudulent claims with a debt collector.
|
| 11/22/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
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Web |
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XX/XX/XXXX and XX/XX/XXXX I have a XXXX XXXX XXXX, within the last 2 years I had a XXXX XXXX, XXXX XXXX in XXXX XXXX and a total of over 6 hospital stays due to this condition.
I was in the hospital on XX/XX/XXXX and my brother notified them when they called that I was in the hospital for a XXXX XXXX. They continued to call my cell phone over 8 more times on XX/XX/XXXX knowing I was in the hospital.
On XX/XX/XXXX my brother answered my iphone and told them again I was in the hospital and they continueed to call me knowing that I was in the hospital for a XXXX XXXX They are also charging me more than what is owed.
In previous communications I made a payment arrangement with their employee XXXX XXXX in believe that is his name and they tried to charge my checking account on an earlier date then XXXX agreed to. I then made another payment arrangement with them via XXXX and again they tried to charge my checking account prior to the agrred upon date. XXXX or XXXX XXXX a supervisor was extremely rude and said their was no such payment arrangement on file.Asked him to check with XXXX and he becaming insulting
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| 07/20/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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I am a victim of identity theft. I have taken proper steps to protect my identity. I was alerted by my credit monitoring service on XX/XX/2022 that I had new activity on my credit report. Under further investigation I found that XXXX XXXX XXXX provided services to a home in XXXX OH under my name and SS # which I DID NOT AUTHORIZE! I have never lived in nor stepped foot in XXXX Further, I don't personally know anyone who lives there. The debt incurred was not paid. It was then sent to a collection agency by the name of Associated Credit Services Inc. The debt is {$340.00}. This debt is now on my credit report and of course is dragging my credit score down. XXXX XXXX XXXX never ran my credit as I have a freeze on my credit. I was never alerted that someone was trying to run a check on my credit, the whole purpose for a freeze. XXXX XXXX XXXX used my SS # without running a check first and is making me jump through hoops to prove that I am not the person that lived at the home they provided services to. I am cleaning up a mess that could have been avoided had they simply attempted to run a credit check on me.
|
| 03/01/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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In XXXX of 2018, we moved from XXXX to XXXX. Earlier today we noticed this company ASSOCIATED CREDIT SERVICES , INC. on my husbands credit report. We called and the representative initially had a hard time locating him until we provided his social. We never received a notice that the bill was past due. We never received any notice from this company. Nothing. The rep from the collection agency said its our fault because we should have notified them that we moved. As if we KNEW of the debt when we with over 1,000 miles away from where they sent it. We logged in today to our online account with the company ( XXXX XXXX XXXX ) and the amount we owed was DOUBLE what it normally is. We werent on some negotiated billing or whatever. We paid each month what was due so to even see it doubled is troubling. Its as if XXXX XXXX XXXX punishes you for leaving. Anyway, the communication from the rep at the collection agency went nowhere. Im publishing this to let everyone know to beware of this collection agency and XXXX XXXX XXXX. They dont send notices and then add XXXX to your credit report.
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| 05/22/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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On XX/XX/XXXX I called the company XXXX XXXX to cancel my account becouse I was moving out of that address and when I asked about the remaining balance the costumer representative said that was no debt on that account on that moment but if any balance appears in the future they would sent me a billl on my knew address. Nothing came on my new address and on XX/XX/XXXX a founded a derogatory mark on my spotless credit. Called the collect agenc y ( a ssociates credit agency ) ask tham what happen and they said letters was sent to my new address and returned by post office and they had to report the credit agency once they could not find me. I question tham way they did not called me and they sad XXXX XXXX did not informe tham my phone number. Payed the collection agent in full on XXXX the debt of aproximedly U {$150.00} and they said they could not remove the derogatory mark of my credit enven knowing that was n't my fault. I felt wronged for XXXX XXXX because all of this situation was n't my fault. Thank you Sent from my XXXX
|
| 08/13/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Last year XXXX XXXX has been charging me for an annual membership. We went for one visit and left the park due to my daughter having XXXX XXXX. We spoke with a membership representative after getting on one ride and the occurrence happening. The customer service said not to worry that they understand since it happened all very quickly.. the membership would be canceled with cause of medical conditions. We left and returned home.. they continued to charge my card monthly. There is no customer service to call you can only email. After 3 months of trying to get this issue fixed and actually speak with someone with no luck. I was contacted by a collection agency. They said there was nothing that could happen. For me to pay over {$1000.00}. There has never been a live representive to speak with at XXXX XXXX. XXXX XXXX has no communication and we had paid for our visit that day and was charged multiple times. On top of everything the place has been closed due to COVID and still send me to collections. They have already charged me well over {$600.00}
|
| 01/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/XXXX, I sent Associates Credit Services a letter specifically saying " This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. '' They received the letter and sent me an invalid response letter dated XX/XX/XXXX. Associated Credit Services is reporting this account on XXXX XXXX and XXXX. This account does not belong to me, they have been unable to provide me factual evidence proving this account belongs to me. The only document they provided was a balance statement dated XX/XX/XXXXwith an address not belonging to me, dates and amounts. I have attached ( 1 ) the letter I sent ACS on XX/XX/XXXX, ( 2 ) a copy of the certified mail receipt, ( 3 ) a copy of my receipt showing the tracking number, ( 4 ) both letters from ACS dated XX/XX/XXXX and XX/XX/XXXX ( which states " Enclosed please find verification of the debt as per your request ) which both arrived in the same envelope. As of XX/XX/XXXX, they have failed to provide me with VALIDATION.
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| 06/17/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
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Web |
|
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XX/XX/XXXX, I start a water delivery service company called XXXX XXXX by XXXX. I have 30 days try their service but after they delivered water and cooler in my home ; I return all equipment on XX/XX/XXXX, because I found that water has particulars inside. I cancel my service. XXXX company charged on my credit card for every month {$33.00} I dispute this case with XXXX card.
XX/XX/XXXX, I received a collection letter from Associated Credit Service INC. Also, I received several harassment phone calls from them. They demanding {$200.00} plus {$190.00}. They showing that the two XXXX XXXX Water company account, they asked two separate charges. This credit collection agency asking depth not, it is not mine plus they showing two separate case file and two different account number.
Also, contact with XXXX XXXX water company, I spoke with the collection and credit department. The person I spoke with XXXX. I confirm that I only have one account.
This collection company, try to collect money that I do not owe or service with.
|
| 02/06/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
Servicemember |
|
Contacted around XXXX XX/XX/XXXX from Associated Credit Services . The person I spoke to was incredibly rude and condescending. He told me that if I did not pay my XXXX XXXX balance in full he would sue me. He also appeared to be looking at my credit report and told me if I did not pay my balance in full today he would get an account number from my report and attempt to run it on that. He said I had a XXXX XXXX card that had {$300.00} in available credit which is not my card. I'm simply an authorized user on it. When I told him that was my father 's card he told me to use that card today or he would call my father and inform him of my bad debts. I immediately hung up the phone. He then called me back on a blocked number and said if I do not pay in full today he would contact my place of employment and inform them of my bad debt.
Account is for {$1600.00} from XXXX XXXX XXXX. I offered to pay him in {$25.00} installments since I am in XXXX and he said I need {$350.00} minimum today or we go to court.
|
| 04/26/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
We received your complaint. Thank you.
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.
YOUR COMPLAINT This Company ACS, Trying to collect a debit with a XXXX amount of {$4100.00} it look like a gas debit under my name. I do live completely different from the address that they report they have no evidence or prove of any bills not paid and from how long, they said is a residential. But there is no residential bill that is on that amount, they call me and they threat that if I don't pay I will be arrested, they call back again and one operator it said that they will send a Sheriff Dept. at home, i get lot of stress I do not sleep on night the costumer service is so aggressive and bad
|
| 01/08/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
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Web |
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Received notification from debt collector dated XX/XX/XXXX. Called debt collector on XX/XX/XXXX to inform them the debt was paid on XX/XX/XXXX and cashed on XX/XX/XXXX by original biller. Debt collector had no record of payment. Called original biller and they confirmed that debt was paid and would notify debt collector. Received notification from debt collector dated XX/XX/XXXX that debit was still owed. Contacted debt collector on XX/XX/XXXX and spoke to supervisor. Supervisor claimed I would need to provide proof of payment, I told they would need to contact original biller and supervisor claimed it didnt work that way. Contacted original biller and they informed me that they have notified the debt collector on two occasions, in XXXX when debt was paid, in XXXX when I called and would send another notification. Agent claims that it sometimes takes 2 or 3 notifications for the debt to be cleared and to give it a week and call back debt collector to verify.
|
| 02/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
Since XX/XX/, I have been receiving calls from Associated Credit Services. The calls are coming from XXXX. I always receive a robocall voice telling me to return their call at XXXX. I wasn't even aware they were a debt collection agency until I called them back. They asked for my name. I told them that I didn't feel comfortable giving that out, and they simply hung up on me. This happened several times until I was able to speak with a supervisor. He confirmed that I did not owe any debt, but said they could not take me off their contact list ( he refused to state why ). Some workers I spoke with told me that I had been taken off the list. Others said I was never on the list to begin with. Yet another employee told me they don't even *have* a list.
In total, I had to call around 7 times before a XXXX assured me I would not get any more calls. I do not trust this and feel that I will continue receiving calls for a debt I was never even associated with.
|
| 06/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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I received a letter today from Associated Credit Services for a debt from XXXX XXXX XXXX XXXX account number XXXX that was sold to them from XXXX XXXX XXXX from XXXX all of this is on the letter. in the amount of {$10000.00} this debt is not mine nor have I ever had an account with XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and found out this a account from a restaurant XXXX XXXX that is no longer in business and this was an business account. Nevertheless the account does not belong to me. I have asked them to send me the contract to no avail they claim to not have it yet these companies keep contacting me for an account that isn't mine. Until you can send me a contract showing that I had an equipment order purchase for a restaurant like the rep tried telling me at XXXX XXXX then stop contacting me. I have a right to see any and all contracts that you claim to be in my name as proof of debt which I have asked for over the years on numerous occasions.
|
| 04/17/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
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Web |
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I had a bank account at XXXX 2 years. This bank was bought by XXXX XXXX.I had dispute in the processing on checking account # XXXX and saving account # XXXX of the account being transfer they started charging my checking account with a balance { {$560.00} and saving {$180.00} } without notifying me. I found out after they charged me for months - They did not notify me about these charges. and closed my account sent/sold to ASSOCIATED CREDIT SERVICES , INC.. They should not have made this incorrect charges/errors. The ( ACS ) Associated Credit Services , Inc. XXXX XXXX XXXX XXXX MA, XXXX attempted to collect a debt that not owe. According to the fair credit collection practice act, 15 USC 1692g sec. 809 ( b ) the credit collection company was asked to validate the debit through certified mail which they could not verify. knowing the debt is not mine and these reporting has been affecting me to open up a checking and saving due to im in chex system.
|
| 03/20/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
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Web |
|
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I received phone call at my work phone number from Associated Credit Services phone # XXXX trying to collect debt owed to XXXX XXXX. I received this phone call while I was in meeting with my XXXX XXXX and my co-employees heard everything that was said on the phone by the debt collector. First of all this is not my debt and this company simply XXXX the name and called me at my work phone number. I was embarrassed by the phone call and I hung up. I returned the phone call later and spoke to XXXX XXXX at Associated credit services who asked me to verify date of birth and mailing address after verification I was told that you are not the person that we are looking for. My issue is that this debt collection agency called me at my work to collect debt that was not mine. Associated collection services Inc 's collection practice should be examined, because I was harrassed and embarrassed in front of my colleagues for debt that was not mine.
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| 05/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I keep getting harassed by a company called Associated Credit Services accusing me of owning a debt I don't owe. I have told them multiple times they are barking up tree but they will not listen They are incredibly rude and condensing on the phone and when I ask for proof and paper work proving this debt than can't provide The worst/most fishy part is they refuse to speak any details of the " Business matter '' -- -- -I 'm not a business and as a retired vet i don't do " Business '' -- -wiith me providing all kinds of PII ( Personally Identifiable information ).
But nope, they just keep calling. without being able to even provide evidence of this debt I spent the last 5 years recovering from severe XXXX from XXXX and have been living a semi-normal life for the first time in a long time. These non-stop calls and attitude have triggered multiple panic attacks in me. I have not had a XXXX XXXX in over a year and a half until now.
|
| 06/23/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
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Web |
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|
I went to take out an auto loan and found a mark on my credit report that surprised me since I 'm still a customer. Associate Credit 's customer XXXX gave them a wrong address to contact me with a past due bill. I have been a customer of XXXX since 2006. XXXX uses social security numbers to identify customers to accounts. Associate Credit did not attempt to collect information from their customer after not being able to reach me by phone or mail and simply just reported me to XXXX XXXX. If they had made contact with their customer, they could have found the error themselves or could have obtained my current address. This has caused damage to my credit. I was unable to obtain an auto loan due to this error. If I had been contacted with this bill of {$130.00}, I would have paid it immediately. I 'm also filing a complaint against XXXX for not combining the XXXX bills, since I 'm still a customer with them.
|
| 12/08/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Debt was paid on XX/XX/XXXX as the collector states themselves On XX/XX/XXXX the consumer called our office to pay their obligation to our client XXXX XXXX in the amount of {$130.00}. We accepted the payment, processed it, and posted it to the consumer 's account within XXXX hours as explained to the consumer. The account is currently paid in full. Please understand that this transaction was initiated by the consumer only 2 days ago. At that time our office notified the consumer that updates to their credit bureau are performed as expeditiously as possible but can take up to 30 days to reflect on their report. The consumer 's account will be updated to the bureaus as paid in full during our next reporting cycle which will occur on or before XX/XX/XXXX '' No such change has occurred and the collector is still reporting as this collection is open as it still appears on my report as an open collections.
|
| 03/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I got an alert on XX/XX/2020, that Assoc Credit Services ( original creditor XXXX XXXX XXXX XXXX ) was in collections. I was so confused, I've never heard of this collection company. No one has called me from their company, I received no letters this just randomly appeared on my credit file. The very next day XX/XX/2020 I received another alert saying the debt was paid in full and the balance was showing {$0.00}. Ive called the number listed I was just put on hold multiple times. My final bill from the XXXX XXXX was paid DIRECTLY to them on XX/XX/2020. So of course the balance was {$0.00} I never owed them in the first place! Assoc. Credit Services had no right to report anything to my credit file since they saw that it was paid through the original debtor. This had NOTHING to do with them. The debt was paid and handled directly with XXXX XXXX XXXX. I am attaching that original receipt.
|
| 10/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a notice dated XX/XX/XXXX from an agency by the name of Associated Credit services. The notice stated the letter was an attempt to collect a debt. I never had an account with this agency. I sent a cease and desist as well as an notarized affidavit of truth dated XX/XX/XXXX sent certified mail on XX/XX/XXXX. I have since received another notice to pay with no reply to request of information requested in cease and desist that was sent. Pursuant to U.S. Code 1692b any debt collector communicating with anyone other than the consumer -shall not state that such consumer owes any debt. This company is furnishing this alleged debt on my credit report 's. I am a federally protected consumer and this agency did not have my written permission or prior consent to furnish or collect any of my information. I owe no debt to this company this debt is alleged.
|
| 05/23/2019 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This collection agency claims that I owe them {$900.00} dollars, first they sent me a bill for the amount of {$65.00} dollars and told me that I had 30 days to dispute this debt. I don't owe this company any money because I do not know who they are, I sent a dispute letter to this company where I asked them to validate this debt because it looked strange to me, especially coming from a company that I know nothing about. They say that I had a balance with a company called XXXX XXXX co, I asked this company to validate the debt and to provide me any documents that they have with my signature on it or something that shows that I agreed to pay them. All they sent me is a piece of paper that shows a breakdown of how much it is they claim that I owe to them and they also sent me a bill. They never provided me a contract with my signature on it or anything.
|
| 03/17/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
On Thursday XX/XX/XXXX I picked up the phone when a representative from this company called me. She refused to answer even basic questions I had about what the debt or call was in regards to, was extremely rude, insulted me ( " good luck with getting out of debt '' ) and would not respond to my request to have something sent to me in writing per the FDCPA about what the debt was in regards too -- I had never received anything for the amount she was calling about and had no record of what the debt was about.
Since then, I have been getting called three to four times a day from the number and when I answer the person on the other end hangs up on me. I have also received calls before XXXX ( XX/XX/2021 ). To me, this feels like very clear retaliation for questioning a combative and rude stranger who was attempting to get personal information about me.
|
| 02/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had a family pass for bio XXXX XXXX. It was paid by auto pay from my bank account every month starting XX/XX/2022. Now Im getting a debt letter saying I owe for XXXX and XXXX. But it was paid up. I never used the membership and called XXXX XXXX about discount for following year. They were to send me something in mail and email. But instead I got a debt agency letter saying I owe money. When I called them they ask for whole year monies! Which was auto paid through my bank. XXXX XXXX XXXX is the one I was talking to and he kept changing amount of money to more and more. Bullying me to pay up. Then when I said this is fraud and I was going to report it He hung up. I tried calling back and it automatically hung up.
He threatens my credit. Associated credit services account number XXXX. Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Phone number XXXX
|
| 09/24/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
1. - The account in question was not a credit account, but a brokerage account and which XXXX XXXX, closed on XX/XX/2022 at their sole discretion, with a positive balance and illegally retaining assets for weeks after.
2. - The positive balance was refunded days after leaving a XXXX BALANCE.
3. - There were no charges pending at all, after the balance was transferred out of the Brokerage firm, and the a legal procedure with the authorities is in place now against XXXX XXXX, as well as complaints filed with XXXX on XX/XX/2022 ; and the Chairman of the Securities and Exchange Commission, on XX/XX/2022 with the XXXX XXXX XXXX, in addition to the litigation in place for damages to me as account holder.
The collector is sending repeated letters trying to collect amounts I clearly dont owe, is a violation of the FCRA & FDCPA, and other civil codes.
|
| 04/14/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
In XXXX of XXXX an unknown person attempted to open two accounts with XXXXXXXX XXXX XXXX under my name with my former work address, delaying their delivery to me. XXXX XXXX XXXX flagged the accounts as identity theft and immediately shut the account. The accounts were never active.
In XXXX of XXXX I received a collection letter from Associated Credit Services , Inc. stating I had an amount owed on one of the accounts that was never active. I contacted XXXX ( formerly XXXX XXXX XXXX ) regarding notice. They informed me that the notices was bogus, and that I did not have any outstanding debt and that these accounts have remained closed. They suggested I ignore the notice and not contact the company as it was probably not a legitimate company.
Attached are the correspondence from XXXX XXXX XXXX and Associated Credit Services , Inc .
|
| 10/03/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
1. Sold home in XXXX 2. never received electric bill ( even though electric co. says bill was not returned ) XXXX. electric co. sends bill to collections 4. collection co. states it attempted to call me but does not leave messages ( I do not answer phone from unrecognized numbers ) 5. collections co. states it sent me a notice ( I did not receive any invoices/bills ) 6. collection co. admits to sending amount owed/invoice to wrong address but that they resolved and sent to correct address ( never received ) 7. I contact electric co. and pay outstanding bill for {$120.00} when notified by XXXX of an issue 8. I am notified by collection co. debt owed is {$320.00} which I pay ( disparity? ) 9. My personal credit history is of NEVER having been late on payments 10. credit score nose dives from XXXX to XXXX over {$120.00}????????????????
|
| 06/26/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Associate Credit Services , Inc. contacted me to pay a XXXX XXXX balance that I had forgotten about and they told me that I can pay a portion at the time and be all set. They did not however tell me that they will keep reporting to the credit bureau that I am delinquent until the remaining balance is paid in full. They ceased all communication attempts since then - about four or five years now. Now that I can monitor my credit report, I found out about it and I took the initiative to call them. They only had an answering machine where you can leave a message. I went to their website and tried to pull my information in order to pay online, but the portal showed the following : Creditor Name : XXXX XXXX Account Balance : {$0.00} Amount Paid : {$0.00} There's no way to resolve this but they keep on damaging my credit score.
|
| 10/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
On XX/XX/2021 Associated Credit Union sent me letter alleging I owed them a debt.
I mailed them a letter on XX/XX/2021 asking them to furnish proof.
They mailed me an invoice that did not have any signatures or contract language showing I owed them or the original creditor what they're claiming I owe.
Only XX/XX/2021 I mailed a second request for compliance.
They NEVER replied to my request for compliance, instead they waited until XX/XX/2021 and sent me the exact same letter they on XX/XX/2021.
Due to the fact they ignored my request for proof twice, it is my belief that they're attempting to see if I do not respond to this letter in their 30 day time window so they could unlawfully post their account to my credit report.
I am sending this complaint in hopes that they stop harassing me for good. Thank you.
|
| 09/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I had a membership with XXXX XXXX XXXX XXXX. When the pandemic Covid-19 began due to hardship, I contacted XXXX XXXX and cancelled my membership. The theme park was also shutdown and I had not used my membership or been to the park for many months before then. A few weeks ago, I received a call from Associated Credit services trying to collect XXXX from me and have repeatedly been contacting me. I immediately contacted XXXX XXXX XXXX XXXX who opened a case regarding this issue! Case # XXXX. I have yet to receive anything in writing from this collection agency in regards to this debt but several calls. They are supposed to send me in writing within 5 days of contacting me which they never did. I do not owe this, I cancelled my membership and believe this is Fraud and taking financial gain out of the situation.
|
| 01/05/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This complaint is posted as even though there is a collection posted on my personal credit report, at no time was I ever given notice of such a collection from a public utility. I do not accept public utilities having the right directly or through a collection agency to post a negative item on a consumer 's credit report. The Fair Credit Reporting Act was not established in 1970 to take public utilities into consideration, as they are governed not by federal laws, but through public service commissions in each state. Accordingly, this posting on my personal credit is illegal by federal mandate. The original utility known as XXXX XXXX XXXX XXXX XXXX can send to me an invoice for payment once the collection is deleted from my personal credit report. DELETE THIS COLLECTION AS THE DEBT WAS NEVER VALIDATED!!!
|
| 06/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Associated Credit Services attempted to collect on debt already paid. They were notified of this fact on XX/XX/2022 and also notified of paperwork submitted to the Internal Revenue Service ( IRS ). Instead of ceasing their debt collection attempts, they used the personal information contained on the IRS forms ( Social Security number ) and submitted false claims to all 3 major credit bureaus on this satisfied debt. These false claims prevented me from accessing my credit when I was in dire need of accessing it at the emergency room at the XXXX XXXX XXXX. I will hold Associated Credit liable for any and all false claims and retain all rights to sue them under the FDCPA and collect fines and fees owed to me. Furthermore, a W-9 was requested of them on the same day. They have failed to provide said W-9.
|
| 10/28/2019 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Associated credit Services inc sent me two pieces of paper claiming, that the two papers verify the debt that they claim that I owe to them. I asked them for the original contract bearing my signature and they cant seem to provide that document to me, I need this debt validated, I did not ask for verification of the debt, I asked for validation, meaning that I need to see the original contract bearing my signature or if I signed an agreement with associated credit services inc saying that I agreed to pay them any amount of money, I would also like that provided to me. What this company sent me its not enough to validate this debt, delete this debt from your system and do not contact me anymore about this matter if I cant be provided with the documents that I have asked.
|
| 01/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Hello, I recently had a utilities bill for the amount of XXXX that was sent to collections with Associated Credit Services which I have now paid on XX/XX/2023. Unfortunately, I never received written communication from Associated Credit Services regarding this bill at my address. Under the Fair Debt Collection Practices Act, agencies are required to provide written notification within 5 days of trying to contact individuals regarding unpaid debt. Because I never received written communication, I am requesting that this paid debt be removed from my credit report.
If your company can provide proof that written communication was provided, please let me know. Otherwise I would like a goodwill deletion as written communication was not provided.
Thanks
|
| 04/13/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company is using auto dialer to repeat calling my cell phone that I never gave to them.They are illegally collecting on a debt that is not mines and the harrassment needs to stop.I am ordering them to cease and desist as of now. I have no idea who they are dis not give out my cell phone to be XXXX by auto dialer I will sue if I need to.And will be showing an Fdcpa attorney there letter.I already had a cease letter with the original creditor and I will take steps to sue. I filed with ftc due to this auto dialer.This debt is not mine so stop the harrassment. I had been harrasses to much. Someone stole my person information and now im constantly dealing with bogus debt collectores so do not call me nor write to me or harrass me or I will sue.
|
| 11/11/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I paid for a XXXX XXXX Membership in XX/XX/XXXX at XXXX XXXX XXXX XXXX in XX/XX/XXXX. Things were fine until the park closed due to the virus and I wasn't able to access the service I paid for. XXXX XXXX continued to bill my credit card monthly even though the park was closed. I stopped paying in XXXX because the limitations on accessing the park were unrealistic and fundamentally reduced the service I was paying for. XXXXXXXX XXXX refuses to refund my fees for the months it was closed and continues to bill me monthly even though my membership expired in XX/XX/XXXX. They have turned the account over to collections. I tried to talk to them yesterday but they insist that the auto renewed months must be paid before they will cancel my membership.
|
| 03/18/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
XX/XX/XXXX i RECEIVED NOTICE FROM aSSOCIATE cREDIT sERVICES REGARDING A DEBT IN THE AMOUNT OF {$100.00} WITH XXXX XXXX THE LETTER STATED I HAD UNTIL XX/XX/XXXX TO DISPUTE DEBT XX/XX/XXXX I RECEIVED AN EMAIL STATING I HAD NOT RESPONDED AND I WAS TO PAY XXXX XX/XX/XXXX I RESPONDED TO THE LETTER ON THE WEBSITE XXXX TO DISPUTE DEBT AND REQUEST EVIDENCE.
XX/XX/XXXX I RECIEVED ANOTHER EMAIL FROM ACS STATING THAT HAD ATTEMPTED TO REACH ME NUMEROUS TIMES WITH NO SUCCESS AGAIN STATING I OWED THEM XXXX TWO MINUTES LATER ON XXXX I RECEIVED ANOTHER EMAIL STATING THE SAME INFORMATION BUT NOW SAYING I OWED XXXX.
I HAVERREACHED OUT THEY HAVE NOT REPSPONDED AND ARE EMAILING ME DIFFERENT BALANCES DUE FOR THE SAMEACCOUNT NUMBER IT JUST MAKES NO SENSE
|
| 06/21/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Dear Sir/ Madam, I noticed a collection account ( {$80.00} ) in my credit report of all credit Bureaus. This collection account was placed by Associated Credit service located in XXXX XXXX.
I lived in XXXX XXXX XXXX XXXX XXXX NY XXXX. Last 6 years I lived in this address : This is a utility bill from the XXXX XXXX. This is a fraud account. I never lived at that address. I have my utility bill from the current address. After contacting the collection agency they said I have to pay. I settled for around {$60.00} dollar. Still, there is a note in a credit report which will stay for 7 years. Again this a fraud account someone used my name and social security number without my permission. I need help in this regard.
XXXX XXXX XXXX XXXX
|
| 07/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
ASSOC CRDIT ( Original Creditor : 10 XXXX XXXX XXXX XXXX ) is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail.
It is reporting to XXXX and XXXX but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. See the reporting inaccuracies below and how each bureau is reporting Date Opened : XXXX=XXXX XXXX=XX/XX/XXXX Last Reported : XXXX=XX/XX/XXXX XXXX=XX/XX/XXXX Date Last Active : XXXX=XX/XX/XXXX XXXX=XX/XX/XXXX See attached credit report for proof of inaccurate information that is affecting my ability to obtain new credit
|
| 03/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
According to 15 USC 1692c 805 ( b ) debt collector requires written consent from consumer directly to debt collector or permission of a court of competent jurisdiction for collector to communicate with consumer in connection with the collection of any debt. In addition, i have requested validation of performance and actual accounting. Per postal law, a po box is a non contractual venue which would mean there is no contract. I have also requested a copy of signed contract with both signatures binding both parties. There is also no signature charging the documents. I have requested a " STOP AND CORRECT ''. FOR THE VOIDANCE OF PERJURY I REQUESTED CORRECT SENTENCE STRUCTURE COMMUNICATIONS, PARSE, SYNTAX, GRAMMAR, WITH PROPER NAME.
|
| 11/02/2017 |
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
|
|
Web |
|
|
On XX/XX/XXXX I discovered XXXX XXXX XXXX XXXX XXXX for {$660.00} and {$690.00} had been re-inserted into my credit file. They are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. This has been open for a few years now after they took me by ambulance after a car accident and I have tried telling them numerous times that I had health insurance. I have never been billed for that hospital stay or 2 ambulance rides I 've had since then. Because I HAVE health insurance, I HAD it then too. This keeps dropping my credit as they reinsert it without notification or answers. My car accident was i believe in XX/XX/XXXX.
|
| 10/15/2019 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Associated credit services is claiming that I owe them {$940.00}, since they say that I owe them this amount, I want to see the original contract bearing my signature. This is not a refusal to pay but I want to see proof that this debt belongs to me, the FCRA allows me by law to ask for this proof, if this proof cant be provided to me, then I want this account closed and deleted. I dont want a breakdown of any payments made or any account statements, that is not enough to validate this debt. I dont recall owing any money to this or any other company, if I ever signed a contract with Associated credit services where I agreed to pay them this amount of money then I would also like them to provide it to me.
|
| 10/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2023 I received alert notification from XXXX that Assoc Credit Services XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX placed colletion status on all XXXX Credit Bureau. I never received a letter/notice from XXXX XXXX & Assoc Credit Services about the debit. The fair Debit Collection Practice Act states that a Debit Collector before report to the Credit Reporting agencies.
It must complete the following steps ; 1. Speak to you by telephone or in person about debit 2. Mail a letter or send a electronic communication about the debit and wait about 14 days to get a response.
Assoc Credit Services failed to follow the law. It not a mistake. Associated Credit Services did it intentionally.
|
| 10/11/2017 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Associated Credit Services , Inc. Claims to be collecting a lawfully owed debt to XXXX, XXXX XXXX When I wrote them and explained the debt IS NOT owed and the claim that the debt is owed is false. They sent back a legal agreement I never signed and have never seen prior to Associated Credit Services , Inc. remittance of the agreement. The agreement sent by Associated Credit Services , Inc. further does not contain my signature in any way shape or form. They also sent a generated invoice for {$600.00}. XXXX, XXXX and Associated Credit Services , Inc. are committing mail fraud by attempting to collect false and/or fake debts via the U.S. Postal System, I feel they should be investigated and charged.
|
| 12/07/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have requested debt validation through a consumer federal protection complaint for a dispute and debt validation and Associated Credit Services has not provided these documents from themselves or their client. It has been beyond the 30 days allowed by federal collection laws for them to provide these documents.
Associated Credit Service continues to call my phone and leave multiple messages. Today ( XX/XX/2018 ) I verbally spoke on a recorded line and requested that they remove my number from their calling list and send any information through the mail.
They are harassing me by calling my phone everyday- Please take my name and number off you list I do not owe you anything
|
| 06/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
I started receiving collection notices from water company about a bill ; I called the water company and explained my name does lot match and that I have never received any water not have I ever done business with the company. I have sent certified letters to the water company in question which included my name and address to show I am NOT that person. I have had water through a completely different company for 6 years and never have I done business with the water company in question. The customer service lady apologized for the mix up and said I wont get any more calls or mail. Today I received a collection agency notice. This is harassment and against the FDCPA.
|
| 05/10/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2018 I was sent to XXXX XXXX by doctors orders to get urgent blood work done. I was given a piece of paper to bring to the hospital where I was seen to have blood taken. Not once did any person I dealt with that day, inform me that my insurance did not cover that specific blood work. 6 Months after that I started receiving constant phone calls from a collection agency about an {$830.00} medical bill. I was XXXX at the time and thought that bill was my mother 's responsibility, so I gave the collection agency my mothers information. They still have been nonstop calling me and now the mark against my credit is holding me back from replacing my vehicle.
|
| 07/26/2022 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Recieved multiple calls within 7 days and mail correspondence. Calls are as follows : XX/XX/XXXX - XXXX incoming call no response when I answered. Called right back and same debt collection company. Spoke with a supervisor advising I already spoke to someone today and Im already getting another call an hour later?
XX/XX/XXXX - XXXX I reached out advising of the multiple calls and confirmed my name and info.
XX/XX/XXXX - XXXX incoming call and hung up.
XX/XX/XXXX - XXXX incoming call and hung up XX/XX/XXXX - XXXX called back and was same company.
XX/XX/XXXX - XXXX incoming call and hung up.
XX/XX/XXXX - XXXX called back and was same company.
|
| 06/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
A utility bill was placed in my name fraudulently. I spoke with company representatives several times over course of few weeks. This was about between XX/XX/XXXX-XX/XX/XXXX. Eventually they ask me to pay debt, {$100.00}, and they would notify gas company and then remove collection from my credit files. But after I did, the supervisor did not honor this promise and was rude about it. They did nothing to rectify situation even after debt was now paid and refused to remove collection, which I told them was not mine. I have been disputing this information for a long time now with the credit bureaus but the collection company just keep updating it.
|
| 01/15/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
I reached out to iXXXX XXXX once again to resolve this issue, but they had closed my account. I was behind on payments bc of the COVID-19 outbreak and it shut our company down. They assured me they wouldnt add any interests or close the account. I was able to make a payment and then when I reached out to them to pay the balance in full, they ahead closed it and turned my account over to Associated credit services. They sent me a letter asking for payment but the damage to my credit was already done. Now I have a charge-off on my credit report bc XXXX XXXX refused to work with during these hard times.
|
| 12/24/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/2017 i was about to take out a SBA loan and i got a message that i have some sort of collection on my business I had no clue what it was so i called and they said that its for a bill from XXXX XXXX, i didn't remember not paying or anything BUT i didn't have even the time to investigate so i just paid the {$540.00} just to get over it ( see attached sheet ) Now is 2 years later ( i'm thinking to renew my loan ) I went to check my business report and its still there as an unpaid Balance!!!!!
I also don't commit not to sue the company for the highest amount possible for damages of all kind
|
| 11/03/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have spoke with this company and advised that this is paid in full and also called the regular creditor first energy on XXXX way with a rep to confirm and this was deleted off my report XXXX weeks ago and now brought back on my report XX/XX/XXXX. This is paid in full and i need this company investigated as soon as possible. I monitor my report and have been through many collection agencies with medical bills that has been scammers and every rep i 've spoke with have gave me different response. i have already spoken to someone weeks ago that already took care of this a deleted it
|
| 10/07/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I was recently send a notice of collection, that even if owed has long surpassed the six year legal timeline where is could be collected in the Commonwealth of Massachusetts. The collection agency, Associated Credit Services , Inc. had to pick up my personal information from a debt pool of file. This process of farming out openly a persons personal information with a threat of taking either legal action or an action to ruin a person 's credit report is highly illegal, and against the Fair Debt Collection Practices Act. I demand a permanent deletion of my information immediately!
|
| 11/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2020, ASSOCIATED CREDIT SE add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ASSOCIATED CREDIT SE has violated my rights as a consumer and I requesting legal action to remove this account immediately.
|
| 03/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
This collection company made a mistake two times.
The first time after they had put an account into collections without any notification they were kind enough to fix it when i made payment due to their mistake.
This past XXXX they put another account into collections. They never called me or sent me any letters notifying me of the debt ( they confirmed this on a recorded call ) I paid the debt as it was legitimate and asked that they pull this from my credit. They are refusing. This is the same exact scenario in which they knowingly made a mistake and fixed it previously.
|
| 03/21/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
Associated Credit Service has placed a negative remark on my credit report on behalf of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX is a utilities company in the state of New Jersey. The remark states that the account was opened in XX/XX/XXXX. I have not resided in the state of New Jersey since XX/XX/XXXX. I have not authorized anyone to open an account in my name. This was either opened fraudulently, or assigned to me incorrectly. I have disputed this with credit reporting agencies and have contacted the company but have not been able to remove this remark from my credit report.
|
| 09/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am unlawfully being billed/ sent to collections for a debt I did not authorize from XXXX XXXX XXXX XXXX as well as XXXX XXXX XXXX XXXX. My social security was never used in said agreement sent to me and the original email sent had the incorrect address addressed to my name. I have reported identity theft with XXXX XXXX Police department in XXXX as the result of a car theft which is also on record. Ive also reported identity theft with my bank with FTC ( XXXX ) in XXXX which could also be a reason why my information is being illegally used.
|
| 09/15/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I am submitting this complaint because Associated Credit Services is being unfair and negligent. This company has RE-AGED the account and IS reporting discrepancies across bureaus.
I am disputing the following item on my report : Account information : Associated Credit Services, account # XXXX, opened : XX/XX/2019, original balance {$440.00}, original creditor : XXXX XXXX.
I am willing to take this to the next step by filing a small claim against the company because they have committed multiple violations against my consumer rights.
|
| 12/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Collection agency reported to XXXX that I owe {$550.00} to XXXX XXXX for an outstanding gas bill which I have a grant for the amount of {$600.00} for. I disputed the claim and sent them a copy of the grant. I have not been contacted by them since.
I have also called, faxed, and mailed the grant information to XXXX XXXX via USPS Priority with signature and when ever I call they say they have no record of receiving any information for me.
I have not lived in the state for almost two years.
|
| 04/24/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
in XXXX 2017, I fille d a report with this company with the FTC, about a collection about the amount for XXXX , for concept for the bill due for payment. We did the report with the FTC and I sent the police report I did in date X/XX/2017 . The report was closed about the explanation and the paper than support this case, but the company ACS reopen the case in the bureau affecting my credit, for the same case resolved some month ago.
|
| 10/19/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I am receiving harassing calls multiple times during the day from XXXX which then asks me to call XXXX. I called and tried to ask what the debt was for but they will not give me any information unless I give my personal information. I filed chapter XXXX bankruptcy and the rep refused to acknowledge or take my case #. I have no debts since my bankruptcy was XXXX. This creditor was included in the creditor XXXX and bankruptcy filing case # XXXX
|
| 01/27/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
This company has called me repeatedly over three years after my informing them multiple times that this was a wrong number. Their caller ID does not list a name. They have been very rude and refused to identify themselves when I asked who they were, saying " if you are n't the person we are calling, then you do n't need to know. '' I have called back and asked to talk to a supervisor -- they said they would transfer me, and dropped the call.
|
| 09/12/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX failed to prove their account belongs to me. While in the process of validation the account was sold to Associated Credit Services.
Associated Credit Services has also fail proving their account belong to me. Neither XXXX nor Associated credit Services are Holders in Due Course.
XXXX reported a balance of {$100000.00} and Associate Credit Service reported a balance of {$97000.00} each reporting the same account numbers.
|
| 08/18/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
This bill. Was from last summer I am XXXX and tried to get help with half the bill for XXXX$ from XXXX XXXX XXXX. They will not work with me knowing I am XXXX the lawyer is a thief I will also contact a lawyer for false info on me. The company does this to all thee lower class people. Associate Credit Services. I will be contacting a lawyer for threats that have been made and not willing to negotiate a deal with a XXXX XXXX man
|
| 01/24/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX XXXX is still reporting a collection account to my credit report. We had an oral agreement this account would be removed when the account was paid ( they called it a pay for delete ) but I just checked my credit yesterday & see it 's still being reported. This account is damaging my credit & impacting my ability to get a loan. I 'd like them to remove the account per our agreement. Please help me get this rectified
|
| 01/23/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On the date of XX/XX/2020 I checked my credit score & noticed six Derogatory Marks from a collection agency Associated Credit Services Inc. Upon inquiring on there website I discovered eight open accounts with various amounts {$2200.00} in total. After further inquiring I was able to find out that this was from a medical bill that had already be paid via my attorney 's at the XXXX XXXX XXXX XXXX XXXX XXXX in a settlement.
|
| 04/21/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company is trying to collect on a debt i do not owe and also i dont have a written agreement with them stating i will pay them. XXXX never loaned me anything. Also this company is violating Federal law by violating 15 USC 1692C ( a ) i never gave them consent to contact me, also 15 USC 1692b ( b ) stating that the consumer owes a debt, 15 USC 1692d ( 2 ) by using obscene language towards me and 15 USC 1692e ( A )
|
| 11/13/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I'm not familiar with is account. Did not receive any mail about this account or provide the opportunity to dispute the information. Please provide VALIDATION OF DEBT AND METHOD USE TO VALIDATE and Assignment of Debt.
Please provide the certified mail with receipt, which show I was aware of this debt.
There are violation of the Fair Debt Collection Practice and Fair Credit Act Account : ASSOC CREDIT SERVICES # XXXX
|
| 10/04/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have asked Assocaited Credit Services to respond, yet they do not respond. I have asked them to provide verification and validation and yet they do not respond. See attached supporting documentation. I replied to their initial letter and it has now been 30 days and they have failed to validate. I do not think they have the original contract between the original creditor and I because the debt does not belong to me.
|
| 08/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Associated Credit Services has been calling and sending emails I have never had an account with them and they are calling / email attempting to damage or intent to place harm to my credit.
This is incorrect information via email Emails came from notifications @ XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Creditor : XXXXXXXX XXXX Our Account Number : XXXX Original Account Number : XXXX Balance : {$920.00}
|
| 10/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This company responded to me on a previous complaint that they closed this account and returned it to their client and that they are no longer the company to deal with this account but yesterday XX/XX/2019 I received a letter from them asking me to pay them. Is this a joke or what is going on with this company. I am providing their response to my first complaint. The letter also says final demand for payment.
|
| 05/28/2015 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
They continue to call my work number over and over again. Prior to XXXX XXXX, they would leave messages on the general voicemail that this was an attempt to collect a debt and request a call back. They were told on XXXX XXXX at XXXX to stop calling this is a business. They stopped for a while, and have began calling AGAIN. They called at XXXX today from a number that just reads XXXX, FL XXXX
|
| 12/03/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I was called by a guy saying he represented a collection agency for Eversource ( a power company in my area ) saying that we owed {$45.00}. We knew that we had paid in complete our total power bill.
He threatened to mark down my credit and said we had to do it tonight. When I asked for his number and told him I would call him back he just hung up.
Call was from XXXX
|
| 05/08/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Got a call, lady was not upfront with who she was until after I confirmed my name. She actually stated she was with XXXX XXXX. I told her I was already in the midst of a dispute, and she decides to raise her tone, and said that I must pay the fine because I owed it ... .. again I am legally allowed to peruse a dispute, and I do not need to be harassed into a payment.
|
| 10/18/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
According to the FDCP Act, section 809, the Collection agency should notify the consumer about the debt for validation. I never receive any notice about any debt and the action the Collection would take.
So I still request to remove the Collection account from XXXX and XXXX because I was never communicated about the debt.
|
| 02/08/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I moved out of my apartment in XX/XX/2018 and canceled the XXXX by XXXX water delivery service. However now the company claims I have an unpaid debt of {$80.00} because I haven't pay my monthly dues since XX/XX/2018. Associated Credit Services, Inc kept on calling me and despite my telling them that the debt is not valid.
|
| 11/23/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I dont know who associated credit SE I reporting me on my XXXX report witch I have no knowledge about, I am requesting that this Comsumer report please be removed as it is a fraudulent act not on my behalf, I have not authorized/ given permission or granted access to my personal information that was use file for accounts.
|
| 08/08/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Associated credit services has called my number multiple times a day for several months asking for XXXX XXXX. My name is not XXXX XXXX and no one lives here by that name, despite me telling them this multiple times and requesting for them to stop calling. They are still calling. They just called again this morning.
|
| 06/13/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had an account in collection with Associated Credit Services, Inc regarding XXXX XXXX XXXX. The account has been paid and stills showing in my credit report as collection. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.
|
| 05/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I did not receive notification of a debt collection. I only found out when it was reported on my credit report, damaging my score. I have never received any communication from the debt collection company. I have requested debt validation and a request to remove the collection from my report with no response.
|
| 02/17/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Associated Credit Services first sent a bill collection letter to me in XX/XX/XXXX, upon receiving it I sent a debt validation letter. I return all they sent to me was statements. However they sent me nothing that validates that this debt is mine, no SSN, no Date of Birth. I want the debt deleted ASAP.
|
| 02/05/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Associate credit service is reporting a paid collection on my credit report of XXXX. Associated credit service never sent me any notices. this amount was paid to XXXX XXXX. i would like this account removed from my credit since proper procedures were not taken by associated credit services Thank you
|
| 07/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
On XX/XX/2020 I made a payment of {$130.00} to fully pay off the account. The creditor agreed to delete the account from the credit report. I have filed 2 disputes since then to get them to remove the debt and they are still reporting to XXXX that the debt is still outstanding.
|
| 06/19/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I did not have a the opportunity to dispute the following accounts : ASSOC CREDIT SERVICES : XXXX XXXX XXXX : XXXX Also, I have sent certified mail requesting validation of debt and method validation.
This is response should have been delivered within 15 days and it have not.
|
| 07/26/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
|
| 06/16/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Debt collector keeps calling me at my phone number asking for someone who use to have my phone number 6 years ago. Asked them repeatedly that I am not the person you are looking for. I got a new phone and number 5 years ago and am not this person at this number.
|
| 09/02/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I'm not familiar with is account. Did not receive any mail about this account or provide the opportunity to dispute the information. Please provide VALIDATION OF DEBT AND METHOD USE TO VALIDATE and Assignment of Debt signed over by CEO.
ASSOC CRDIT XXXX
|
| 04/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I had a XXXX XXXX account opened for many years and have made regular payments. I have recently gone through financial hardship and could not afford to keep making payments. The amount owed seems excessive since I had to immediately leave the premises.
|
| 03/26/2018 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I keep getting mail like today XX/XX/2018 from a debt collection agency when i already told them i dont even owe this debt that i receive from a company called XXXX. I keep getting these mail from this company saying i owe XXXX dollars little outrages.
|
| 01/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
i currently reside in the XXXX XXXX XXXX. this item was placed on my credit report on XX/XX/XXXX XXXX i have no knowledge of this account in the amount of {$4200.00}. This is being reported by assoc credit service for XXXX XXXX.
|
| 02/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am being charged for XXXX XXXX XXXX which I have never signed up for. Back in 2021. I am checking my credit and noticed it. I have never gave my social security number to this company or any other information.
|
| 10/22/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
Servicemember |
|
We have an important message from Associated Credit Services. This is a call from a debt collector, please call XXXX XXXX XXXX claim To be supervisor didnt give me his supervisors name as XXXX I do not know
|
| 05/27/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
|
| 05/06/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
|
| 02/07/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
|
| 11/16/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2019 I received correspondence from Associated Credit Services , Inc. for a debt in the amount of {$150.00} that I have no knowledge of. I am requesting that this issue be resolved immediately.
|
| 07/16/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Assocciated Credit put a debt on my XXXX credit report ( # XXXX ) with out verifying the debt is mine. I do not owe this debt, and dispute its validity.
I have never done business with this company
|
| 08/31/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
The utility debt being asked to be paid has now been sent to the credit bureau and showing negative credit history. I wasn't sure if the initial request was a scam to just get money from me.
|
| 11/29/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter from Associated Credit Services Inc about a bill that I have never received from XXXX XXXX XXXX XXXX. There is not date of when this had happened on the letter.
|
| 12/08/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
Associated Credited Services is repeatedly calling my phone. When I answer they drop the call. Im not sure why they are calling me. I have not received any notices in the US Mail.
|
| 09/10/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
|
| 02/16/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I am in a status identity theft, Then I will send the police report and the FTC report. I want a investigation about this issue, because I am not reponsable for this debt.
|
| 12/15/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
ASSOC CREDIT SERVICES XXXX XXXX XXXX XXXX.
XX/XX/2018 {$800.00} I HAVE NO KNOWLEDGE OF THIS DEBT. ANY ACCOUNT ( s ) OPENED IN MY NAME IS A RESULT OF IDENTITY THEFT.
|
| 07/19/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX Notice for validation. This debt was put on my credit report without notice and i want to validate that the debt with a itemized bill to confirm amouts owed.
|
| 11/22/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I owe XXXX XXXX {$1000.00} The credit agency is trying to collect {$3400.00} saying they are representing XXXX XXXX. XXXX XXXX told me all I owe is the {$1000.00}
|
| 11/15/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The collection agency sent a letter for collection with interest. The debt is not mine. I tried speaking to the collection agency however they were not helpful.
|
| 05/01/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
Today XX/XX/2020, I received a debit collection letter in the amount of {$35000.00} for an organization ( XXXX XXXX XXXX ) that I have never had a loan with.
|
| 11/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
i am getting mail for my money matters under my married name and my money matters are under my legal name.
XX/XX/21 for XXXX this is not mines thank you.
|
| 03/01/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
I have repeated advised these people to stop calling me. They continue to keep me on the robo calls and continue to call me every day almost twice a day.
|
| 08/03/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
on XXXX/XXXX/2015. XXXX was sent to delete collection. XXXX # XXXX. Collection was deleted as instructed but has reappered on my credit file today.
|
| 05/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
They call me all the time, leave voicemails, but today in particular, they called me twice within 25 minutes while I am at work.
|
| 01/19/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This person called stating that I owed more than amount on bill. Stating that it was a past due bill and they tried to collect.
|
| 06/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I am personally attaching a Pre-Arbitration Demand on my behalf to Associated Credit Services. Do not close this complaint.
|
| 08/27/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a collections letter from Associated Credit Services with out any debt validation
|
| 02/11/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/08/2024 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
|
| 02/08/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/07/2024 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Phone |
|
|
|
| 02/06/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 02/05/2024 |
Yes |
- Debt collection
- Telecommunications debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/14/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/12/2024 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/11/2024 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/11/2024 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/07/2024 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 12/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/15/2023 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 12/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 11/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 11/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/23/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 10/23/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Loan opened without my consent or knowledge
|
|
Web |
|
|
|
| 10/13/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Older American |
|
|
| 10/10/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/29/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/31/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web Referral |
|
|
|
| 07/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web Referral |
|
|
|
| 07/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/30/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/30/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 05/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 05/18/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/15/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/25/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 03/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 03/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 02/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/11/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
|
| 01/07/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/17/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 11/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 10/24/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
|
| 07/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/27/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/06/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 05/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/11/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 03/30/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 03/26/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/14/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 09/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Phone |
Older American, Servicemember |
|
|
| 07/05/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 03/25/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/09/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/02/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/27/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Phone |
|
|
|
| 01/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/13/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 11/26/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 11/23/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/27/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Fax |
|
|
|
| 09/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 08/26/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 08/17/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/14/2020 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 08/12/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 08/06/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 07/25/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
|
| 07/20/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 07/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 06/30/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 06/30/2020 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
|
| 06/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/11/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/21/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 05/19/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/25/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
Older American |
|
|
| 04/02/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/01/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 02/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 02/02/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 01/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/06/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 12/06/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
Servicemember |
|
|
| 12/04/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 11/23/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 11/20/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 10/30/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
|
| 10/17/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 10/15/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/15/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 08/05/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 06/24/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/06/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 04/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 03/31/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/24/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 03/19/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 03/09/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 11/11/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 10/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/16/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 10/05/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 09/29/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/23/2018 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 07/24/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 06/19/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/15/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/13/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 06/04/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/02/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 05/30/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/09/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
|
| 02/27/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 02/15/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 02/03/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/23/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/15/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 01/08/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 12/29/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 11/06/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 10/25/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 10/17/2017 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
|
| 10/13/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 09/20/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/20/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 09/12/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/05/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/27/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 06/19/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/17/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/08/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/06/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Postal mail |
|
|
|
| 02/16/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Phone |
|
|
|
| 10/11/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 10/05/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 07/28/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Older American |
|
|
| 03/02/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Postal mail |
|
|
|
| 01/20/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/03/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Web |
Older American |
|
|
| 11/23/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 11/12/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/14/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 10/06/2015 |
Yes |
|
- Incorrect information on credit report
- Information is not mine
|
|
Postal mail |
|
|
|
| 08/19/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 06/22/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American, Servicemember |
|
|
| 04/28/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
|
|
|
| 03/17/2015 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
|
|
|
| 01/25/2015 |
No |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/24/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 11/18/2014 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/14/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Older American, Servicemember |
|
|
| 11/07/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
Older American |
|
|
| 09/08/2014 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 07/30/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 05/23/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/08/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 11/13/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/09/2013 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
Older American |
|
|
| 07/24/2013 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|