Accelerated Financial Solutions, LLC

2018-08-15

Alhambra, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Old information reappears or never goes away
Complaint: ACCELERATED FINANCIAL XXXX IS APPEARING ON MY EXPERIAN FILE. ACCELERATED FIN. IS AN AGENT OF XXXX XXXX XXXX THE DEBT BUYER WHO OWNS THE DEBT.THE ORIGINAL CREDITOR IS XXXX XXXX. THIS SAME ACCOUNT WAS DELETED BY XXXX ON XX/XX/2018, BUT THE DEBT AMOUNT HAS BEEN CHANGED BY XXXX DOLLAR AND THE CREDITORS NAME HAS BEEN CHANGED TO THEIR AGENT 'S NAME WHOM THEY EMPLOY.IT WAS XXXX XXXX XXXX ACCT NO XXXX. FOR XXXX TO PERMIT THIS FRAUD TO OCCUR IS A CLEAR FCRA VIOLATION.
Company Response: Closed with explanation

Untimely Response

2018-08-10

Houston, TX

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: XXXX appears on my credit report last updated XX/XX/2018 for Accelerated Financial. I have reached out to them requesting information spoke with a rep name XXXX ( I think ) that said she only had 2 pieces of information that was the same information and no signed contract to provide. I asked her to remove the account from all 3 reporting agencies until she had proper information because I have disputed them 3 times which these last XX/XX/18 came back as valid. The rep transfer me over to XXXX XXXX where he states he has all the signed documents and could send them out to me. I told him to fax them and he said no and the debt will remain and he was not going to remove. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.
Company Response: Closed with explanation

Untimely Response

2018-08-08

Harrisburg, PA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: Accelerated Financial is reporting that I have an outstanding collection balance with their organization for {$1600.00}. I have informed them, and provided proof, that I resolved this balance with the original creditor back in XXXX of 2018 ; but they refuse to correct the account on my credit report. I am uploading a copy of my final resolution sheet from the original creditor, showing the account was settled, and I have no outstanding balance.
Company Response: Closed with explanation

Untimely Response

2018-08-07

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Untimely Response

2018-07-27

Desoto, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: I have advised Accelerated Financial Services of of this fraudulent account being reported on my credit file. I have advised them that it does not belong to me and is the result of identity theft. However they have refused to cmply with he law to remove it. I have mailed in a copy of an FTC report. They ignored it and sent icopies of stolen, forged docs to open the account.
Company Response: Closed with explanation

Untimely Response

2018-07-14

Arlington, TX

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Untimely Response

2018-07-12

IN

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: On XX/XX/2018 I received a notice from this agency regarding a debt I have no record of. I sent a certified letter requesting the validation of the debt on this date. I never received any notification in writing from this company as to proving the debt owed. I sent a follow up request via certified mail XX/XX/2018 again asking for the validation sent in writing to the address provided and also advised this company I am a victim of ID theft and have filed a notification with the FTC and also asked that the debt be disputed. I have now received a notification that this third party agency erroneously reported this debt to my credit report which is a direct violation of my consumer rights. I have not received any paperwork proving this debt is mine. This needs to be removed from my credit until paperwork is sent to me to validate this account is mine. I have begun to pursue legal action as I have done my part as a consumer to get this account handled under the word of the law and regulations.
Company Response: Closed with explanation

Timely Response

2018-07-10

Bronx, NY

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I have no knowledge of this debt. I'm requesting for a debt validation of this debt or I have no knowledge of this debt. I'm requesting for a debt validation of this debt or delete the negative report off my credit. As FDCPA you must provide phisical proof of this debt such as : original document with my signature on it, any and all cansel check, contractual agreement that you have the right to collect this debt, etc ... As FDCPA you must provide phisical proof of this debt such as : original document with my signature on it, any and all cansel check, contractual agreement that you have the right to collect this debt, etc ...
Company Response: Closed with explanation

Untimely Response

2018-06-28

Bayway, NJ

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: A account added to my XXXX account that is not mine
Company Response: Closed with explanation

Untimely Response

2018-06-24

Bayway, NJ

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: On XX/XX/2018 I received notification that I had a collection account from my credit notification account that I am a member of. A Company named Accelerated Financial Solution, I also received 3 calls. I explained to them that I was not aware of this account and they abruptly added this on my credit report. it's XXXX. I wrote to them 3 separate times and no response from them
Company Response: Closed with explanation

Untimely Response

2018-06-14

Communication tactics

Debt collection: Credit card debt

Used obscene, profane, or other abusive language
Company Response: Closed with explanation

Untimely Response

2018-06-14

Dallas, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Accelerated Fin My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Company Response: Closed with explanation

Untimely Response

2018-06-13

Brooklyn, NY

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I've been contacted numerous times by Accelerated Financial Solutions for months regarding a debt I owe. I ignored the calls for the most part because it seemed like a scam from the beginning. However, I finally obliged and called them back requesting additional information on this charge they are collecting ( {$1700.00} ), they did not have any details but promise to send them via mail. Nothing was received, and I communicated to them that I am no longer taking any calls as I haven't seen anything on my credit report on this alleged debt. I check my credit report yesterday ( 2 months later ) and my score had dropped significantly due to a delinquent debt by Accelerated Financial solutions. I've contacted them several times within the past couple of days which resulted in their failure to provide information, hanging up, unable to provide a valid email address or website, and just very suspicious operations. I've since communicated to them that I have filed various complaints ( identitytheft.gov, FTC, police report ), and will proceed to take legal action if not resolved by them. They have then blocked my calls, or hang up the phone when I use a different contact number of theirs. I do not have any documents from them with information on this debt. They have only operated over the phone, requesting immediate payment via credit card.
Company Response: Closed with explanation

Untimely Response

2018-06-06

Rose Hill, TX

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with non-monetary relief

Timely Response

2018-06-01

Threatened to contact someone or share information improperly

Debt collection: Other debt

Talked to a third-party about your debt
Company Response: Closed with non-monetary relief

Timely Response

2018-05-31

Sandy Hook, CT

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Complaint: Today i went to apply for credit and was told I owed a balance to a company. I called the company and I was told it had been sold, I had to call 3 phone numbers before getting the correct company. I left a voice mail and received a return call. The woman stated she spoke to me on XX/XX/2018 and validated the debt and mailed me the documentation. I advised I did not recall the conversation however I have a lot of things going on. The woman gave several different company names which I never heard of. Sh than said XXXX and I told her I never purchased from XXXX. She said I purchased beds and had old ones removed. She game me a address and I explained I did not live there at the date she was providing. She also stated I paid in the store so that proved the debt was accurate. I advised anyone could have signed my name and she disconnected the call. I called the company back to make a complaint and I was told they would not speak to me any more that they were going to put it on my credit report.
Company Response: Closed with non-monetary relief

Timely Response

2018-05-25

Cedar Grove, LA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with non-monetary relief

Timely Response

2018-05-17

Rochester, NY

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Company Response: Closed with non-monetary relief

Timely Response

2018-05-17

AL

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Complaint: I have received notice from relatives that AFS collection company has contacted them asking for information about me and gave personal information about me. They have obtained addresses and phone numbers of relatives too. The amount and statue of limitations is up and I had previously paid the company I have not received a notice of any information. I told them verabally to stop contacting me but they refused. They call repeatedly.
Company Response: Closed with non-monetary relief

Timely Response

2018-05-14

Magnolia, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: Collection companies trying to collect a debt that was fraudulently opened in my name. I am a victim of identity theft that started in XXXX. The common thread through all these collection companies is the original creditor : XXXX XXXX. It began with XXXX XXXX XXXX, XXXX saying they want to resolve an account with ( XXXX XXXX XXXX XXXX ) XXXX in XX/XX/XXXX, then XXXX XXXX XXXX XXXX in XXXX, then via text XXXX XXXX XXXX XX/XX/XXXX & currently Accelerated Financial Services XXXX XXXX XXXX XXXX. In all cases I have provided them with the police report numbers & informed them that I was a victim of identity theft & to quit contacting me. Today I find out from " AFS '' that the collections pertains to a company called " XXXX XXXX '' whom I have never done business with.
Company Response: Closed with non-monetary relief

Timely Response

2018-05-04

Houston, TX

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: Tried contacting Accelerating Financial. They are reporting the same account twice, same account same amount to all 3 bureaus. I have contacted them to have this fixed and they have not fixed it. this is hurting my FICO.
Company Response: Closed with non-monetary relief

Timely Response

2018-05-03

Calumet Park, IL

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with non-monetary relief

Timely Response

2018-04-19

TX

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: I do not have a signed contract nor any contract with Accelerated Financial SO. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX. I am not responsible for this debt with Accelerated Financial SO.
Company Response: Closed with non-monetary relief

Timely Response

2018-04-14

Dallas, TX

False statements or representation

Debt collection: Credit card debt

Indicated you were committing crime by not paying debt
Complaint: they keep putting the account under another company name once i dispute it with the credit bureau. It shows that this account has never been late then when i look under the collections department it shows up as a bad account. Company name is : XXXX 's XXXX : Accelerated Financial {$3000.00} Opened account date:XX/XX/XXXX never paid late Last payment date :XX/XX/XXXX
Company Response: Closed with non-monetary relief

Timely Response

2018-04-08

Tampa, FL

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: On XX/XX/XXXX, I reached out to pay a debt owed ACCELERATED FINANCIA XXXX. After numerous of phone calls I got a supervisor by the name of XXXX XXXX his direct phone line is XXXX. I was able to come to a agreement of XXXX $ for the debt. I requested that he remove off all three credit bureaus. He stated to me as soon as I receive my paid in full letters to do a dispute for removal and their company will remove trade line off my credit. I received notification on XX/XX/XXXX that they updated debt as paid and didn't remove it from my credit. I called accelerated that same day and the reps response was the can no longer assist me because my file is closed. These people blatantly lied to me. I want these trade lines to be removed/deleted from my credit immediately. I did what they requested of me and paid my debt and they did up hold their part of the agreement. They also by law had 5 days to contact me after the debt was put on my credit in early XX/XX/XXXX. I didn't stat to receive phone from them until mid XX/XX/XXXX. This company is breaking laws and deals and I want stand for it.
Company Response: Closed with non-monetary relief

Timely Response