|
11452359
|
2025-01-09
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Associated Credit Services, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-09
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11049306
|
2024-12-05
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Associated Credit Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2024-12-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-05
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
This debt collector claimed I owed money to t bank. I said I was not aware of any accounts with that corporation. I need to see validation of debt. I need to see all of the transactions on account. I need to see a contract between the original creditor and myself. I need to know if there was any insurance claims on the debt or tax credits. If so how much? I also need to see you have permission or authorization to collect on this debt in the state of Florida. Is your company address XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX phone XXXX. This person asked me for my social security number. Thats a joke. This is a crime based on the false claims act. Even thought the debt is not not not mine the act states clearly that this debt belongs to the United States based on the 1933 bankruptcy.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4097393
|
2021-01-27
|
Problem with a lender or other company charging your account
|
Checking or savings account
|
|
| Issue |
Problem with a lender or other company charging your account
|
| Timely |
Yes
|
| Company |
Associated Credit Services, Inc.
|
| Product |
Checking or savings account
|
| Sub Issue |
Transaction was not authorized
|
| Sub Product |
Checking account
|
| Date Received |
2021-01-27
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-01-27
|
| Consumer Consent Provided |
N/A
|
|
|
1117924
|
2014-11-14
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Tags |
Older American, Servicemember
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Associated Credit Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt resulted from identity theft
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2014-11-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2014-11-14
|
| Consumer Consent Provided |
N/A
|
|
|
10528805
|
2024-10-21
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Associated Credit Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2024-10-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-21
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10181322
|
2024-09-21
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Associated Credit Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Other debt
|
| Date Received |
2024-09-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-21
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6559036
|
2023-02-11
|
Threatened to contact someone or share information improperly
|
Debt collection
|
|
| Issue |
Threatened to contact someone or share information improperly
|
| Timely |
Yes
|
| Company |
Associated Credit Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Contacted you after you asked them to stop
|
| Sub Product |
Other debt
|
| Date Received |
2023-02-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-03-08
|
| Complaint What Happened |
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
|
| Consumer Consent Provided |
Consent provided
|
|
|
3447392
|
2019-11-22
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Associated Credit Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Other debt
|
| Date Received |
2019-11-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-11-22
|
| Complaint What Happened |
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}
|
| Consumer Consent Provided |
Consent provided
|
|
|
3166826
|
2019-03-01
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Associated Credit Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Other debt
|
| Date Received |
2019-03-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-03-01
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10146890
|
2024-09-17
|
Closing an account
|
Checking or savings account
|
|
| Issue |
Closing an account
|
| Timely |
Yes
|
| Company |
Associated Credit Services, Inc.
|
| Product |
Checking or savings account
|
| Sub Issue |
Fees charged for closing account
|
| Sub Product |
Checking account
|
| Date Received |
2024-09-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-17
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
1395866
|
2015-05-28
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Associated Credit Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
Medical
|
| Date Received |
2015-05-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-05-28
|
| Complaint What Happened |
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
|
| Consumer Consent Provided |
Consent provided
|
|
|
7237066
|
2023-07-11
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Associated Credit Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Other debt
|
| Date Received |
2023-07-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-07-11
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8146857
|
2024-01-11
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Associated Credit Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Other debt
|
| Date Received |
2024-01-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-01-11
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7999529
|
2023-12-15
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
No
|
| Company |
Associated Credit Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Other debt
|
| Date Received |
2023-12-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-12-15
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2035517
|
2016-07-28
|
Disclosure verification of debt
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
Associated Credit Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Right to dispute notice not received
|
| Sub Product |
I do not know
|
| Date Received |
2016-07-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2016-07-28
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3790677
|
2020-08-12
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Associated Credit Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
I do not know
|
| Date Received |
2020-08-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-08-12
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5592882
|
2022-05-23
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Associated Credit Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Credit card debt
|
| Date Received |
2022-05-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-05-23
|
| Complaint What Happened |
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
|
| Consumer Consent Provided |
Consent provided
|
|
|
3447324
|
2019-11-22
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Associated Credit Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
Other debt
|
| Date Received |
2019-11-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-11-22
|
| Complaint What Happened |
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
|
| Consumer Consent Provided |
Consent provided
|
|
|
3406288
|
2019-10-15
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Associated Credit Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Other debt
|
| Date Received |
2019-10-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-10-15
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4195228
|
2021-03-09
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Associated Credit Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Credit card debt
|
| Date Received |
2021-03-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-03-09
|
| Consumer Consent Provided |
Other
|
|
|
6511086
|
2023-01-31
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Associated Credit Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Other debt
|
| Date Received |
2023-01-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-02-28
|
| Complaint What Happened |
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
|
| Consumer Consent Provided |
Consent provided
|
|
|
3233544
|
2019-05-06
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Associated Credit Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
Credit card debt
|
| Date Received |
2019-05-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-05-06
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3101643
|
2018-12-15
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Associated Credit Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Other debt
|
| Date Received |
2018-12-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-12-15
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5670249
|
2022-06-14
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Associated Credit Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
Other debt
|
| Date Received |
2022-06-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-06-14
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3913548
|
2020-10-22
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Associated Credit Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Seized or attempted to seize your property
|
| Sub Product |
I do not know
|
| Date Received |
2020-10-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-10-22
|
| Complaint What Happened |
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
|
| Consumer Consent Provided |
Consent provided
|
|
|
2817633
|
2018-02-17
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Associated Credit Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2018-02-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-02-17
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6494498
|
2023-01-28
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Associated Credit Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Other debt
|
| Date Received |
2023-01-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-01-28
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
12263154
|
2025-02-27
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Associated Credit Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Other debt
|
| Date Received |
2025-02-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-02-27
|
|
|
12658992
|
2025-03-23
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Associated Credit Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Credit card debt
|
| Date Received |
2025-03-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-03-23
|
|
|
12718386
|
2025-03-28
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Associated Credit Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
I do not know
|
| Date Received |
2025-03-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-03-28
|
|
