3034731
|
2018-10-02
|
False statements or representation
|
Debt collection
|
|
Issue |
False statements or representation
|
Timely |
Yes
|
Company |
Account Control Technology, Inc.
|
Product |
Debt collection
|
Sub Issue |
Attempted to collect wrong amount
|
Sub Product |
I do not know
|
Date Received |
2018-10-02
|
Submitted Via |
Web
|
Company Response |
Closed with non-monetary relief
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2018-10-02
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Complaint What Happened |
XXXX XXXX of XXXX, CA collected - through garnishment- an old student loan account for XXXX .
1 ) This corporation allegedly sent a " release of garnishment '' for the collections to stop, but my company never received it from them, however, did receive one from XXXX once I contacted XXXX about the matter.
XXXX XXXX claimed to have sent it out on XX/XX/XXXX and my company/employer NEVER received this alleged copy of THEIR release of garnishment. Furthermore, they refused to provide me with a copy of the alleged release that they sent. My company/employer only received it because I followed up with XXXX.
2 ) XXXX XXXX over collected on this debt, because the release of garnishment was never sent/received by my employer as they stated they did. For a month I have been in communication with XXXX and they stated that there was not an overpayment showing and that I should follow up with my employer. My employer - payroll department, representative XXXX XXXX confirmed that XXXX XXXX cashed the check that was sent to them, the check was cashed on XX/XX/XXXX. XXXX XXXX confirmed to the payroll representative that they received funds in the same check sent to them for funds for other employees of my company, but deny having record of getting the portion that represented my overpayment. THESE FUNDS WERE SENT to XXXX XXXX ON THE SAME CHECK, not separate checks. ( Amount of my overpayment is {$380.00} ) 3 ) XXXX XXXX has never tried to help me resolve this overpayment or getting a copy of the alleged release of garnishment - that was never received FROM THEM by my employer. I have only gotten false information and the run around.
I would like my funds back IMMEDIATELY, because it has been proven that they have them. I am not interested in more excuses and false information. They try to defer to XXXX, but the monies were sent to them directly and they have never recorded it so that XXXX can see this additional overpayment. At this point it is a violation of FDCPA ( Fair Debt Collection Practices Act ). My employer has confirmed that they DO have the funds. Period. It needs to be returned.
|
Consumer Consent Provided |
Consent provided
|
|
2900191
|
2018-05-08
|
Written notification about debt
|
Debt collection
|
|
Issue |
Written notification about debt
|
Timely |
Yes
|
Company |
Account Control Technology, Inc.
|
Product |
Debt collection
|
Sub Issue |
Didn't receive enough information to verify debt
|
Sub Product |
Other debt
|
Date Received |
2018-05-08
|
Submitted Via |
Postal mail
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2018-05-08
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Consumer Consent Provided |
N/A
|
|
2849883
|
2018-03-21
|
False statements or representation
|
Debt collection
|
|
Issue |
False statements or representation
|
Timely |
Yes
|
Company |
Account Control Technology, Inc.
|
Product |
Debt collection
|
Sub Issue |
Attempted to collect wrong amount
|
Sub Product |
Private student loan debt
|
Date Received |
2018-03-21
|
Submitted Via |
Web
|
Company Response |
Closed with non-monetary relief
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2018-04-02
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Complaint What Happened |
Summary : XXXX XXXX was negligent in the handling of XXXX XXXX forms needed to have tuition payment submitted to the accounting department within a timely manner, which ended-up having them take a strong collection against me and utilizing a collection agency that is not licensed in Florida where I reside ; over an incident that occurred during the fall of XXXX. Additionally, the business office of XXXXXX/XX/XXXX is now, which I believe, is trying to cover-up that collection because they submitted to XXXX XXXX on XX/XX/XXXX the deferment letter I sent to them during the fall of XX/XX/XXXX, which was a requirement of XXXX XXXX. The representative, XXXX XXXX, Recovery Specialist Business Office, Direct Line : XXXX, called me on XX/XX/XXXX to let me know that she was authorized to reduce my debt by {$200.00} off the {$1900.00}. She also stated that she would call-back XXXX XXXX XXXX to avoid any further collection from them. As of XX/XX/XXXX, my collection report shows that the balance of {$1900.00} is still being reported by the collection agency, with a new update on XXXX that was reported XX/XX/XXXX.
My earlier conversations, which extend back more than a year or so, have argued with the business office that I was demanding the school take responsibility for the mishandling and negligence of my XXXX XXXX Form that would have allowed the school to receive payment for the Fall Semester, especially when there was money available on my XXXX XXXX account. The school refuses to admit fault.
On XX/XX/XXXX, a call was placed to XXXX at XXXX XXXX, which I had left a message on her voicemail with my findings on how I thought it was odd that her department would send over the Deferment letter to XXXX XXXX on XX/XX/XXXX. I also stated that the collection agency was still reporting and that I was now going to file official complaints against the collection agency and the school for their inappropriate handling of my account and the hardship the collection agency is doing to my credit file.
|
Consumer Consent Provided |
Consent provided
|
|
3080867
|
2018-11-22
|
False statements or representation
|
Debt collection
|
|
Issue |
False statements or representation
|
Timely |
Yes
|
Company |
Account Control Technology, Inc.
|
Product |
Debt collection
|
Sub Issue |
Told you not to respond to a lawsuit they filed against you
|
Sub Product |
Payday loan debt
|
Date Received |
2018-11-22
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2018-11-22
|
Company Public Response |
Company can't verify or dispute the facts in the complaint
|
Complaint What Happened |
This company called contacts on an old debt file from a payday loan. When they contacted my brother on XX/XX/18 regarding this they disclosed personal information such as, we will serve court process at work and he owes a lot of money, which I believe violates my confidentiality.
I personally called the number that was given to my brother on the same day XX/XX/18, I was connected with a very rude person saying he was a legal consultant named XXXX XXXX. After a conversation with said representative my identity was confirmed via my last four of my social security number. I was told my debt was originally from XXXX XXXX and that my account and personal information with sold to to ACT ( account control technologies ).
After conversing with the representative he informed me of a law suit pending against me and demanding a certain amount of money ( $ XXXX ) to have it expunged, he then told me I had no choice but to get an attorney. At this point i felt threatened and he ending the call abruptly.
After learning of this company 's representative 's response I looked up any records of a civil law suit in my last name in the corresponding counties clerk of court only to find nothing regarding this.
|
Consumer Consent Provided |
Consent provided
|
|
2072820
|
2016-08-19
|
Dealing with my lender or servicer
|
Student loan
|
|
Issue |
Dealing with my lender or servicer
|
Timely |
Yes
|
Company |
Account Control Technology, Inc.
|
Product |
Student loan
|
Sub Issue |
Received bad information about my loan
|
Sub Product |
Federal student loan servicing
|
Date Received |
2016-08-19
|
Submitted Via |
Web
|
Company Response |
Closed with non-monetary relief
|
Consumer Disputed |
No
|
Date Sent To Company |
2016-08-23
|
Company Public Response |
Company believes complaint caused principally by actions of third party outside the control or direction of the company
|
Consumer Consent Provided |
Consent not provided
|
|
2732048
|
2017-11-17
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
Account Control Technology, Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt was paid
|
Sub Product |
Federal student loan debt
|
Date Received |
2017-11-17
|
Submitted Via |
Web
|
Company Response |
Closed with non-monetary relief
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2017-11-17
|
Company Public Response |
Company believes complaint caused principally by actions of third party outside the control or direction of the company
|
Complaint What Happened |
Settled Student loan in XX/XX/XXXX-XX/XX/XXXX. Recently received notice that ACT was going to garnish my wages which started on XX/XX/XXXX.
Called ACT to explain that the debt was paid. They said they have notes in their system about a settlement but do n't show proof. Tried to file a hearing to review but they said I need proof of settlement. I kept proof of settlement for 10 years at which time I moved and discarded many old documents that I thought I no longer needed so I do n't have the proof I need to get a hearing.
This dept. came off my credit report in XX/XX/XXXX or XX/XX/XXXX and I have excellent credit and have n't had this issue cause me any problems since the time I settled the debt.
I believe that a collection agency has " resurrected '' an old debt. that was, long ago ( 20years ) paid.
I have read stories of other student loan borrowers who have had this same thing happen and I am not sure how to make this go away since I can no longer produce my copy of the paid debt.
|
Consumer Consent Provided |
Consent provided
|
|
2157613
|
2016-10-12
|
Improper contact or sharing of info
|
Debt collection
|
|
Issue |
Improper contact or sharing of info
|
Timely |
Yes
|
Company |
Account Control Technology, Inc.
|
Product |
Debt collection
|
Sub Issue |
Talked to a third party about my debt
|
Sub Product |
Federal student loan
|
Date Received |
2016-10-12
|
Submitted Via |
Web
|
Company Response |
Closed with non-monetary relief
|
Consumer Disputed |
No
|
Date Sent To Company |
2016-10-12
|
Company Public Response |
Company believes the complaint is the result of a misunderstanding
|
Complaint What Happened |
I am not the person who has the debt. But they are in close relation to me, they 're my partner. However I had no knowledge of of them having any time sensitive issue as was stated to me. And it would have been better for them to inform me themselves as opposed to a company calling me, and my family members who are in no way related to anything concerning the matter. There were questions asked about my partners place of residence, there were questions ask about their contact info etc. and any legitimate company would at least provide some sort of ground based information as to how paramount the case at hand is. The company persists to harass us, on no basis in relation to the matter at hand. Name of company in question is Account Control based out of XXXX California. XXXX of the callback numbers associated with them are,XXXX and XXXX with an extension listed as XXXX
|
Consumer Consent Provided |
Consent provided
|
|
2489349
|
2017-05-19
|
False statements or representation
|
Debt collection
|
|
Issue |
False statements or representation
|
Timely |
Yes
|
Company |
Account Control Technology, Inc.
|
Product |
Debt collection
|
Sub Issue |
Attempted to collect wrong amount
|
Sub Product |
Private student loan debt
|
Date Received |
2017-05-19
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2017-05-19
|
Company Public Response |
Company believes complaint caused principally by actions of third party outside the control or direction of the company
|
Consumer Consent Provided |
Other
|
|
1254514
|
2015-02-24
|
Communication tactics
|
Debt collection
|
|
Issue |
Communication tactics
|
Timely |
Yes
|
Company |
Account Control Technology, Inc.
|
Product |
Debt collection
|
Sub Issue |
Frequent or repeated calls
|
Sub Product |
Federal student loan
|
Date Received |
2015-02-24
|
Submitted Via |
Web
|
Company Response |
Closed with non-monetary relief
|
Consumer Disputed |
No
|
Date Sent To Company |
2015-02-24
|
Consumer Consent Provided |
N/A
|
|
510788
|
2013-08-30
|
Improper contact or sharing of info
|
Debt collection
|
|
Issue |
Improper contact or sharing of info
|
Timely |
Yes
|
Company |
Account Control Technology, Inc.
|
Product |
Debt collection
|
Sub Issue |
Contacted employer after asked not to
|
Sub Product |
Non-federal student loan
|
Date Received |
2013-08-30
|
Submitted Via |
Phone
|
Company Response |
Closed with non-monetary relief
|
Consumer Disputed |
No
|
Date Sent To Company |
2013-09-03
|
Consumer Consent Provided |
N/A
|
|
483112
|
2013-08-08
|
Communication tactics
|
Debt collection
|
|
Issue |
Communication tactics
|
Timely |
Yes
|
Company |
Account Control Technology, Inc.
|
Product |
Debt collection
|
Sub Issue |
Called after sent written cease of comm
|
Sub Product |
Credit card
|
Date Received |
2013-08-08
|
Submitted Via |
Web
|
Company Response |
Closed with non-monetary relief
|
Consumer Disputed |
Yes
|
Date Sent To Company |
2013-08-07
|
Consumer Consent Provided |
N/A
|
|
5357803
|
2022-03-23
|
Written notification about debt
|
Debt collection
|
|
Issue |
Written notification about debt
|
Timely |
Yes
|
Company |
Account Control Technology, Inc.
|
Product |
Debt collection
|
Sub Issue |
Didn't receive notice of right to dispute
|
Sub Product |
Other debt
|
Date Received |
2022-03-23
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2022-03-23
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Complaint What Happened |
Didnt receive any validation that to XXXX debt is mine
|
Consumer Consent Provided |
Consent provided
|
|
2627710
|
2017-08-15
|
Communication tactics
|
Debt collection
|
|
Issue |
Communication tactics
|
Timely |
Yes
|
Company |
Account Control Technology, Inc.
|
Product |
Debt collection
|
Sub Issue |
You told them to stop contacting you, but they keep trying
|
Sub Product |
Other debt
|
Date Received |
2017-08-15
|
Submitted Via |
Web
|
Company Response |
Closed with non-monetary relief
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2017-08-15
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Complaint What Happened |
This company and I could not reach an agreement for settlement as they are asking for too much money all at once. On XXXX XXXX, 2017 they told me the offers and I was to discuss with my wife. They said at this point if we can not reach an agreement that they are going to give the debt back to the state of Arizona and they would be finished with it. They were to call me back on XXXX XXXX, 2017 after speaking with my wife. When XXXX called back I informed him we could not meet their demands and to go ahead and give it back to Arizona and I do not want to hear from you or your company anymore or I will take legal action! Today on XXXX XXXX, 2017 they called my place of employment. I am ready to move forward with legal action if they ever call my place of employment or myself or family!
|
Consumer Consent Provided |
Consent provided
|
|
2648335
|
2017-08-21
|
Struggling to repay your loan
|
Student loan
|
|
Issue |
Struggling to repay your loan
|
Timely |
Yes
|
Company |
Account Control Technology, Inc.
|
Product |
Student loan
|
Sub Issue |
Can't temporarily delay making payments
|
Sub Product |
Federal student loan servicing
|
Date Received |
2017-08-21
|
Submitted Via |
Web
|
Company Response |
Closed with non-monetary relief
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2017-08-21
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Complaint What Happened |
O
n Frida y XX/XX/XXXX i was contacted by Account Control Technology about 3 outstanding student loans. I explained that I was in the process of consolidating all of my loans through XXXX and that I needed additional information in order to add these loans to the account. after giving me a hard time supplying the requested information, they provided me with the account numbers and the amounts of the loans ( total since they said they were unable to give me a breakdown ) I contacted XXXX about adding these 3 loans to the existing account and they emailed me a form and explained it will take a few weeks.
Today, XX/XX/XXXX i received another call from Account Control Technology. ( every time they call, they call from a local number and the line stays quiet, i have to call back only to find out who they are. If i never called back i would have never known who they are yet they can consider this a " contact '' on their records. ) On todays call i explained to the guy who answered that I had already spoken to them just this past Friday and that I already contacted the company which is doing my consolidation loan and provided them the info. I asked that they give me 2 weeks and to please refrain from calling till then. If by that time they have not resolved I would be happy to make arrangements in the meantime. The guy replied " your account is already placed for wage garnishment of 15 %, i will remove you from the call list and if we happen to have your account in 2 weeks we might be able to speak then '' i told him that there is no way they can garnish my wages without notice, there has to be a hearing or some other type of notice. he said " no ma'am, its the department of education all it takes is a flip of a switch '' I was so upset i said goodbye and hung up.
I contacted the DOE and they advised that this is not true. I explained what my intentions are and what I have done so far and she advised that what I am doing is correct and do not need to worry about this. She apologized on their behalf and notated my account.
The information that they are giving at Account Control Tech is incorrect and used to intimidate people into making payments. As per their conversation they are recording the calls.
the acct is under my SS # XXXX and the name on file is XXXX XXXX ( my married last name is XXXX ) The number they are calling me from XXXX XXXX, fl though they are in XXXX, CA. their number is XXXX the numbers that are calling me are XXXX, XXXX. my phone number they are using to reach me is XXXX XXXX
|
Consumer Consent Provided |
Consent provided
|
|
3312604
|
2019-07-19
|
Communication tactics
|
Debt collection
|
|
Issue |
Communication tactics
|
Timely |
Yes
|
Company |
Account Control Technology, Inc.
|
Product |
Debt collection
|
Sub Issue |
Frequent or repeated calls
|
Sub Product |
Credit card debt
|
Date Received |
2019-07-19
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2019-07-19
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Complaint What Happened |
They are calling my place of business and me and my wifes personal cell phone trying to collect a debt my father is. I have nothing to do with it. The name of the company is Account Control Technology
|
Consumer Consent Provided |
Consent provided
|
|
2773862
|
2018-01-06
|
Threatened to contact someone or share information improperly
|
Debt collection
|
|
Issue |
Threatened to contact someone or share information improperly
|
Timely |
Yes
|
Company |
Account Control Technology, Inc.
|
Product |
Debt collection
|
Sub Issue |
Contacted your employer
|
Sub Product |
I do not know
|
Date Received |
2018-01-06
|
Submitted Via |
Web
|
Company Response |
Closed with non-monetary relief
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2018-01-06
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Complaint What Happened |
The caller identifies herself as XXXX XXXX whom I have researched and discovered works for ACT ( Accounts Control Technology , Inc. ). She calls my wife and I from different numbers with our respective cell phone area codes ( mine : XXXX hers : XXXX ). My wife and I have both told her to stop calling us yet she continues to call multiple times a day, the most recent being this morning ( XXXX XXXX, XXXX ) after I spoke with her several days prior. This individual is calling regarding my adult ( almost XXXX XXXX XXXX ) daughter. This individual, XXXX XXXX, has also called individual ( s ) at MY place of employment asking about my daughter whom they do n't know, have never met, and vice versa! I think there has been a very serious violation of MY rights and privacy, especially with this individual calling my place of employment. I would appreciate you following up on this matter asap and put a stop to XXXX XXXX 's continued violation of my rights and privacy. She has contacted several of our family members as well using my wife 's name. My wife 's sister was also called on a number with her area code of XXXX but provided with the number XXXX as a call back number.
XXXX XXXX should be severely reprimanded for contacting my place of employment and her continued harassment of our family members that have told her to stop calling!
Thank you for your time.
|
Consumer Consent Provided |
Consent provided
|
|
1923539
|
2016-05-13
|
False statements or representation
|
Debt collection
|
|
Tags |
Servicemember
|
Issue |
False statements or representation
|
Timely |
Yes
|
Company |
Account Control Technology, Inc.
|
Product |
Debt collection
|
Sub Issue |
Impersonated an attorney or official
|
Sub Product |
I do not know
|
Date Received |
2016-05-13
|
Submitted Via |
Web
|
Company Response |
Closed with non-monetary relief
|
Consumer Disputed |
No
|
Date Sent To Company |
2016-05-13
|
Company Public Response |
Company believes complaint caused principally by actions of third party outside the control or direction of the company
|
Complaint What Happened |
The individuals from account control technologies have spoofed the caller ID to say it is my mom. When I click on the phone number information it states the number is found in my moms work email.
|
Consumer Consent Provided |
Consent provided
|
|
3179229
|
2019-03-14
|
Written notification about debt
|
Debt collection
|
|
Issue |
Written notification about debt
|
Timely |
Yes
|
Company |
Account Control Technology, Inc.
|
Product |
Debt collection
|
Sub Issue |
Notification didn't disclose it was an attempt to collect a debt
|
Sub Product |
I do not know
|
Date Received |
2019-03-14
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2019-03-14
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Consumer Consent Provided |
Consent not provided
|
|
781918
|
2014-03-27
|
Dealing with my lender or servicer
|
Student loan
|
|
Issue |
Dealing with my lender or servicer
|
Timely |
Yes
|
Company |
Account Control Technology, Inc.
|
Product |
Student loan
|
Sub Issue |
Trouble with how payments are handled
|
Sub Product |
Non-federal student loan
|
Date Received |
2014-03-27
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2014-04-02
|
Consumer Consent Provided |
N/A
|
|
1621691
|
2015-10-23
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
Issue |
Cont'd attempts collect debt not owed
|
Timely |
Yes
|
Company |
Account Control Technology, Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt is not mine
|
Sub Product |
I do not know
|
Date Received |
2015-10-23
|
Submitted Via |
Web
|
Company Response |
Closed with non-monetary relief
|
Consumer Disputed |
No
|
Date Sent To Company |
2015-10-23
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Complaint What Happened |
i keep getting a letter stating i owe over XXXX.XXXX to XXXX..I called US XXXX and they sent me a verified email stating i do not owe any loans ... But i keep getting letters in the mail ... The US XXXX ppl told me it sounds like phising
|
Consumer Consent Provided |
Consent provided
|
|
1989534
|
2016-06-28
|
Improper contact or sharing of info
|
Debt collection
|
|
Tags |
Older American
|
Issue |
Improper contact or sharing of info
|
Timely |
Yes
|
Company |
Account Control Technology, Inc.
|
Product |
Debt collection
|
Sub Issue |
Contacted me after I asked not to
|
Sub Product |
I do not know
|
Date Received |
2016-06-28
|
Submitted Via |
Web
|
Company Response |
Closed with non-monetary relief
|
Consumer Disputed |
No
|
Date Sent To Company |
2016-07-25
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Consumer Consent Provided |
Consent not provided
|
|
1310646
|
2015-04-01
|
Taking/threatening an illegal action
|
Debt collection
|
|
Issue |
Taking/threatening an illegal action
|
Timely |
Yes
|
Company |
Account Control Technology, Inc.
|
Product |
Debt collection
|
Sub Issue |
Threatened arrest/jail if do not pay
|
Sub Product |
Other (i.e. phone, health club, etc.)
|
Date Received |
2015-04-01
|
Submitted Via |
Phone
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2015-04-08
|
Company Public Response |
Company disputes the facts presented in the complaint
|
Consumer Consent Provided |
N/A
|
|
2975386
|
2018-07-27
|
Communication tactics
|
Debt collection
|
|
Issue |
Communication tactics
|
Timely |
Yes
|
Company |
Account Control Technology, Inc.
|
Product |
Debt collection
|
Sub Issue |
Frequent or repeated calls
|
Sub Product |
Private student loan debt
|
Date Received |
2018-07-27
|
Submitted Via |
Web
|
Company Response |
Closed with non-monetary relief
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2018-07-27
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Consumer Consent Provided |
Other
|
|
1272768
|
2015-03-07
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
Issue |
Cont'd attempts collect debt not owed
|
Timely |
Yes
|
Company |
Account Control Technology, Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt is not mine
|
Sub Product |
Auto
|
Date Received |
2015-03-07
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2015-03-07
|
Consumer Consent Provided |
N/A
|
|
2227493
|
2016-11-30
|
Improper contact or sharing of info
|
Debt collection
|
|
Issue |
Improper contact or sharing of info
|
Timely |
Yes
|
Company |
Account Control Technology, Inc.
|
Product |
Debt collection
|
Sub Issue |
Contacted me after I asked not to
|
Sub Product |
I do not know
|
Date Received |
2016-11-30
|
Submitted Via |
Web
|
Company Response |
Closed with non-monetary relief
|
Consumer Disputed |
No
|
Date Sent To Company |
2016-12-08
|
Company Public Response |
Company believes the complaint is the result of a misunderstanding
|
Consumer Consent Provided |
Consent not provided
|
|
6136473
|
2022-10-27
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
Account Control Technology, Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt was result of identity theft
|
Sub Product |
Other debt
|
Date Received |
2022-10-27
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2022-11-16
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Complaint What Happened |
This company is fraudulent. I NEVER signed a contract with them, I was not asked for permission for them to report on my credit report and they have yet to supply me with needed information that I requested, yet they continue to malign my name and use my PERSON INFORMATION to lie and try to extort through my credit report. No good.
|
Consumer Consent Provided |
Consent provided
|
|
3238629
|
2019-05-10
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
Account Control Technology, Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt is not yours
|
Sub Product |
Private student loan debt
|
Date Received |
2019-05-10
|
Submitted Via |
Postal mail
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2019-05-10
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Consumer Consent Provided |
N/A
|
|
4295155
|
2021-04-14
|
Written notification about debt
|
Debt collection
|
|
Issue |
Written notification about debt
|
Timely |
Yes
|
Company |
Account Control Technology, Inc.
|
Product |
Debt collection
|
Sub Issue |
Didn't receive notice of right to dispute
|
Sub Product |
Federal student loan debt
|
Date Received |
2021-04-14
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2021-04-14
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Complaint What Happened |
In XXXX I noticed that a large portion of my paycheck had been garnished. I had to reach out to my employers pay roll department to even find out what the debt was and why I was being garnished. I found out ACT the company that is garnishing me ( in the middle of a pandemic and my hours have been significantly reduced ) was collecting a debt for the Florida Department of Education student loan. I was under the impression that this debt was in forbearance and I never received in correspondence that my debt was being sold to a collections agency. The only way I knew anything about the loan being in default was when my paycheck was garnished. I did not receive any phone calls written correspondence nothing. When I called ACT and explained that the garnishment was financially devastating me they gave me only one option I could set up an additional 5 month installment plan of {$5.00} dollars while the garnishment of roughly {$1000.00} per month is still being deducted. I mentioned the freeze on student loan collections and garnishments I was told by a representative with ACT that they were free to collect the debt since the student loan collection freeze had lapsed. So after the President signed the new economic impact bill mid-XXXX I called back to see if the garnishment could be stopped I was told to contact my original creditor The Florida Department of Education, the representative with the Florida Department of Education advised me I should never have been garnished in the first place. I called ACT back they advised that they would be stopping the garnishment then when I inquired about the payments previously taken out of my check, would I be getting those payments back since I am still in a financial bind due to my work hours being decreased and the added burden of the garnishment being taken. I was told I would receive a call back which I have yet to receive. This sounds like predatory collections practices and unethical.
|
Consumer Consent Provided |
Consent provided
|
|
1010727
|
2014-09-02
|
Dealing with my lender or servicer
|
Student loan
|
|
Issue |
Dealing with my lender or servicer
|
Timely |
Yes
|
Company |
Account Control Technology, Inc.
|
Product |
Student loan
|
Sub Issue |
Trouble with how payments are handled
|
Sub Product |
Non-federal student loan
|
Date Received |
2014-09-02
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
Yes
|
Date Sent To Company |
2014-09-08
|
Consumer Consent Provided |
N/A
|
|
2362663
|
2017-02-27
|
Disclosure verification of debt
|
Debt collection
|
|
Issue |
Disclosure verification of debt
|
Timely |
Yes
|
Company |
Account Control Technology, Inc.
|
Product |
Debt collection
|
Sub Issue |
Right to dispute notice not received
|
Sub Product |
Federal student loan
|
Date Received |
2017-02-27
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2017-02-27
|
Company Public Response |
Company believes complaint caused principally by actions of third party outside the control or direction of the company
|
Consumer Consent Provided |
Consent not provided
|
|
3590836
|
2020-04-02
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
Account Control Technology, Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt is not yours
|
Sub Product |
Credit card debt
|
Date Received |
2020-04-02
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2020-04-02
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Consumer Consent Provided |
Consent not provided
|
|