Account Discovery Systems, LLC

2017-11-18

VA

Took or threatened to take negative or legal action

Debt collection: Auto debt

Threatened to sue you for very old debt
Complaint: Today is XXXX XXXX 2017 i Was first contacted two weeks ago by account discovery systems who is working for XXXX XXXX saying i owed XXXX and they would settle for XXXX i asked for written proof i owed such a debt instead he threatened me and said they were in process of garnishing my wages this was the first time i had ever knew about such a debt was never contacted before or had any proof of said debt so i asked for proof in writing he says i sent u a email that i never recieved then i said i never got an email u need to send a letter to my mailbox then he replies so you will pay the XXXX i never agreed to paying anything so a week later i get a letter saying i had the end of month to pay XXXX or deal was of the table it did mention the creditor was XXXX XXXX
Company Response: Closed with explanation

Timely Response

2017-11-17

GA

Took or threatened to take negative or legal action

Debt collection: Auto debt

Sued you without properly notifying you of lawsuit
Company Response: Closed with explanation

Timely Response

2017-10-10

Dallas, TX

Written notification about debt

Debt collection: Federal student loan debt

Didn't receive enough information to verify debt
Complaint: On XXXX XXXX, XXXX at around XXXX, I received a call from a private number. It was a woman asking to speak to my boyfriend. I thought it was weird that someone would contact me instead of him, so I told her he was n't with me at the moment, but if there was anything I could help her with, I 'd be glad to assist her or take a message. She stated she was from a carrier company looking to deliver a parcel to him, but that she needed him to be present to receive it Friday XXXX XXXX, XXXX with a valid ID in order to sign off on it. I told the woman that it would n't be possible because of his work schedule, but that I could ask someone else to be present in order to receive it on his behalf. The woman said that it had to be him, so I asked if we could arrange to pick it up at the post office or whatever carrier company she was working for, and she said that it was a private carrier and that there were no pick ups there. I told her I did n't know what to tell her because he absolutely could not miss work, especially on such short notice. I asked her who the parcel was from and if she knew what it was, and she said there was no sender information available and that it was just a manila envelope with his information on the front. She said she would give me a number so that he could call and have him authorize someone to accept the package. I was also given a reference number for when he called back. She hung up and I sent him a message telling him about the awkward situation. He said he was n't expecting anything and if I could try to call back to get more information because the whole situation seemed very strange. I called the number that was given to me and a man answered the phone. I explained the situation and after giving him the reference number the woman had given me, he explained that the package was from XXXX XXXX XXXX XXXX and that he worked with an attorney that was trying to collect money on their behalf, not a carrier company like I had just been told a couple of moments ago. I told him that could not be possible because all of my boyfriend 's student loans are under the care of XXXX bank. There were only 4 loans taken out and that it could n't be possible that he owed this money especially after his wages have been garnished in the past and he went through a rehabilitation program to be in good standing with his loans. The man continued to tell me that he was next to the attorney and that the debt was for {$4800.00} but that the attorney could settle for {$2300.00} if I was willing to pay it today XXXX XXXX XXXX ). Note, he never asked to speak to my boyfriend directly or inform me that " this is an attempt to collect, etc ... '' he just started asking me to make a payment then and there. He told me that if nothing was paid that he would be served in XXXX XXXX XXXX which is the county where he resides and that his assets would be seized, as well as garnishments made to his wages. I told him that I could not release any funds because I had to speak to him since he was still unaware this was going on. He said he was going to let me speak to the attorney directly, but to try to settle this as soon as possible. So, I waited a few more moments and then the supposed attorney was on the line. He gave me his name and said that he would like to settle this as soon as possible. He explained that he had collected on XXXX XXXX behalf for quite some time and that they completely trusted him so if he wanted to settle for less, that it was basically up to him and what he said goes. I explained that I found this to be very strange considering that the company had been closed in XXXX for fraud and it made it up to the supreme court XXXX district. That I was aware of the incidents that caused it to close, so I was sure something was n't right. The " attorney '' told me that basically the media blew an incident all out of proportion and that basically that was just a rumor, when I have copies of the verdict from the supreme court case. He told me that he could settle the debt for {$1300.00} and I asked if that would take care of my boyfriend 's full student debt which was not {$4800.00}, it was over {$10000.00}. He said it possibly would take care of everything. It sounded too good to be true, so I told the man that I would contact XXXX to see if they knew anything about this debt. He told me he had never heard of them but that I could do that. Just to make sure I contacted him before XXXX because that was the time he would be going home. It was now about XXXX, so I got his extension and called the bank that handles his loans. Throughout the whole process these people did n't get my name or relation to my boyfriend but they were eager to get a payment. I contacted the bank where I have already been consented to speak to them on his behalf and they told me that this made no sense because his loans are all in good standing and that I should try checking the XXXX website for a complete list of his debts. I did and sure enough that debt was not included. The XXXX representative told me it sounded like a scam and to try to disregard anything we received. That even if I or he paid this company the money they asked for, his student debt would remain as is. It was about XXXX when I called back and asked for the attorney, who was apparently on his way out. I told him I needed time to speak to my boyfriend and explain the situation to him, and he said to call back at XXXX XXXX XXXX, XXXX, which was the next morning, because he would be in meetings all day and would not be able to assist me. I did n't call because it was too early and sure enough Saturday morning XXXX XXXX, XXXX my boyfriend got a statement in the mail with the amount owed as {$1300.00}, {$30.00} lower than what the man had told me over the phone. I am truly scared and want this resolved because this debt does n't seem valid and I ca n't find any proof that it 's owed. There is no way I can contact XXXX XXXX because all the information online says they are permanently closed and the numbers that I have come across have all been disconnected. Please assist us with solving this issue. The last thing we need is to be harassed with legal repercussions if we do n't give money to someone we do n't feel we owe money to.
Company Response: Closed with explanation

Timely Response

2017-09-28

Evanston, IL

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2017-09-21

UT

Threatened to contact someone or share information improperly

Debt collection: Credit card debt

Talked to a third-party about your debt
Complaint: On XXXX/XXXX/2017 XXXX XXXX with XXXX XXXX called over 5 relatives of mine in an attempt to contact me. He has shared personal information regarding my debt with my relatives and I 'm certain this violates fair debt collection practices. He has informed them I 'm " severely delinquent with XXXX XXXX '' and that I " need to contact him or he 's going to send me to civil court '' This matter needs to be addressed. I 'm not comfortable with my private information being shared with my family members.
Company Response: Closed with explanation

Timely Response

2017-09-14

Macomb, MI

Communication tactics

Debt collection: I do not know

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

Timely Response

2017-08-30

Nashua, NH

Threatened to contact someone or share information improperly

Debt collection: I do not know

Contacted your employer
Company Response: Closed with explanation

Timely Response

2017-08-28

Raymond, NH

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Complaint: Company was asked twice previously to stop calling me at work. Today they called again and spoke and left messages with a sales manager, the president of the company, hr manager and a payroll person ( on her cellphone )
Company Response: Closed with explanation

Timely Response

2017-05-18

Huntingtn Bch, CA

Communication tactics

Debt collection: Credit card debt

You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation

Timely Response

2017-05-03

Springfield, MO

Threatened to contact someone or share information improperly

Debt collection: I do not know

Contacted your employer
Complaint: This company, Accoun t Discovery Systems i n New York ; XXXX , called my place of employment and ask to speak with myself, XXXX XXXX , and also my employer, over the XXXX XXXX He, XXXX XXXX , asked for the name of the XXXX person, and was advised by my co-worker that it was XXXX , and XXXX XXXX was then put on hold by XXXX , as to send him to voicemail when he then hung up. XXXX XXXX called right back and spoke to another employee, XXXX , whom he told that he was calling for XXXX XXXX , and that he - XXXX - nee ded to " make sure she calls me back. '' I have been receiving numerous calls at work and as I understand it under the Fair Debt Collection Practices Act that is a violation, I reported the agency for this violation, and advised them do not call me at work again, nor my employer. They must contact me after work hours and not to disrupt my work day unless they wish to pay my salary. Thank you, XXXX XXXX XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2017-04-29

Morada, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2017-04-12

Jacksonville, FL

Problems when you are unable to pay

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-30

Columbia, SC

Cont'd attempts collect debt not owed

Debt collection: Auto

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-16

Brown Deer, WI

Taking/threatening an illegal action

Debt collection: I do not know

Threatened to sue on too old debt
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-09

Lannon, WI

Improper contact or sharing of info

Debt collection: Credit card

Talked to a third party about my debt
Complaint: Accouny Discovery Systems disclosed information about my debt to a third party without my consent. Today after requesting them not to contact me at work or any other person who is not me trying to get a hold of me, they dishonored my request and contacted my mother at HER job. Instead of keeping my information discreet, they shared that they were attempting to collect a debt from me after my mother asked who was calling. Is n't this supposed to be against the law? The fact that I am in debt should not be shared with anybody without my consent. I am getting tired of them harassing me and calling my employer and family members several times a day. I feel helpless.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-08

Germantown, WI

Improper contact or sharing of info

Debt collection: Credit card

Contacted employer after asked not to
Complaint: Account Discovery Systems had called my employer after I specifically requested them not to. I work for a XXXX and not only did they contact the XXXX I work at but the XXXX district! I am mortified as I am attempting to get a full time XXXX there next year ( I am an XXXX now ) .This has made me look really bad. They have sent several calls to my husband as well as his mother and father who have nothing to do with my personal debt. Now they know and call me asking why creditors are calling them! I feel harassed. I told them I would pay them when I have money but I do n't right now. They have even threatened to have me sign a form that they will give to my employer to garnish my wagesI did n't even know this was legally possibly unless thy pursued a court case against me which they have not.I ca n't sleep at night because of the XXXX of having to come up with the money to pay them so they can quit harassing me. All I want is for them to stop violating my privacy and calling my employer and my husband and his family.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-22

Lk Buena Vis, FL

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Complaint: Debt collector repetitively called me to pay an amount my ex husband owed at XXXX which he got when he was still not married to me. he opened an account at XX/XX/XXXX and got tv, XXXX etc before we got married and now the collector is convincing me that i should pay it too since my ex husband is not making his payments. we 've been divorced since XX/XX/XXXX and the collector started calling me XX/XX/XXXX. He wanted me to pay at least half of what my ex-husband currently owe XXXX which is XXXX. I have my own account at bestbuy and excelent with my history of payment.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-30

WV

Disclosure verification of debt

Debt collection: I do not know

Right to dispute notice not received
Complaint: Someone called my place of employment and a relative to whom no information was provided about something but did n't disclose what the reason was or anything. I do n't know why because I never received any type of notice from this company that a debt was placed with them or a right to dispute. I am also forwarding to this company a cease and desist notice as allowed under the FDCPA. I want all contact to stop except for a note with a right to dispute. Thank you.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-28

Cottage Lake, WA

Improper contact or sharing of info

Debt collection: Auto

Talked to a third party about my debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-26

Sandy Hook, CT

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-19

TN

Improper contact or sharing of info

Debt collection: Credit card

Talked to a third party about my debt
Complaint: Account recovery services has contacted several people about my debt who are authority figures at an old job. They have contacted my old boss, employees, foremen. Disclosing that They have issued a judgement against me, and other personal information. There is no way they should have these people 's personal phone numbers. The place of my old employment was shut down and this company has gone out of their way to contact all the authority figures, on their personal numbers, who used to work there with me. I do n't even know how they went about acquire all of these people 's phone numbers. The info they have reported to these old coworkers is false. There have been no judgments against me. They have made no means to contact me. I have the same phone number and address for the last XXXX years and never once did they try to contact me by phone, mail, or email. They have also been contacting my family. Giving false info and sharing my debt information.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-03

Hinsdale, IL

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: A man called my work and asked for me. I came on the line and said I am not allowed to take phonecalls at work. He said he is just going to keep calling me at work until I take care of this. He called me 3 more times in 30 minutes. I said, " what company are you from? '' several times, and he would not tell me. The number that called me was XXXX. I am not sure if this is a scam or what, so I said send me the information. He said, " If you 've gotten something, why should I send you more? '' I said I thought this was something I had already paid. He is saying It 's something different. So, he needs to send me the info. but instead he just wants to harass me at work. I could loose my job.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-20

Warren, OH

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-21

Newnan, GA

Can't repay my loan

Student loan: Non-federal student loan

Can't decrease my monthly payments
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-21

Leander, TX

Communication tactics

Debt collection: Payday loan

Threatened to take legal action
Company Response: Closed with explanation

Disputed: No Timely Response