American Accounts Advisers Inc.

2019-11-12

Brooklyn Center, MN

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2019-10-19

Louisville, KY

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2019-10-12

Bloomington, MN

Written notification about debt

Debt collection: Medical debt

Didn't receive notice of right to dispute
Complaint: Debt was never verified nor did I receive a notice did not receive anything
Company Response: Closed with explanation

Timely Response

2019-10-09

Hamburg, MN

Communication tactics

Debt collection: Medical debt

You told them to stop contacting you, but they keep trying
Complaint: I disputed an account with American Accounts & Advisors, in writing on XX/XX/2019 and it was sent certified, return receipt requested. In the letter I explicitly stated that they were to contact me ONLY in writing. Since the time that letter was received by them, they have been harrassing me incessantly via my phone. Calls at all hourrs of day and night, repeated calling etc. This is harrassment and a violation of the FDCPA.
Company Response: Closed with explanation

Timely Response

2019-09-27

Saint Paul, MN

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Complaint: American Accounts and Advisors are reporting the same debt from the same medical creditor for the same date of service seven times under different amounts. The collection agency via a phone call admitted to knowing the date of delinquency was 6 years prior however they are reporting the debt as new from the date they bought the debt which was years later. I tried to resolve this with the agency who in the same phone call admitted they know the 21 collection accounts ( some as little as XXXX cents they reported ) are from one date of service with the creditor and that the date of service is 6 years old, they admitted that they report the debt monthly, and that they know the creditor creates new " accounts '' under the patients name per line item on the medical bill when they send the patient to collections for one medical date of service. Despite knowing this the collection agency representative tells me that they are compelled to report this as multiple debts because thats how it was reported to them, this violates the reasonable person standard for reporting. As any reasonable person would know that a patient is not seen 21 individual times on one date of service. This seems fraudulent to me both on the collection agency 's side AND the reporting medical creditor. Additionally, the Collection agency sent one notice informing me of one amount due for this creditor, again, this shows that the collection agency is aware that there is only one debt owed but is complicit in reporting it multiple times for maximum negative impact to my credit.
Company Response: Closed with explanation

Timely Response

2019-09-16

Magnolia, TX

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: There is a Derogatory Collection account on my credit report. Reporting a Balance of {$900.00}. Im sending a complaint due to the fact that I dont owe this debt. I was XXXX during the time this company laid me off which was wrongful. And I was not given a chance to contact anyone with the company to Dispute this matter. I dont owe any amount to this company.
Company Response: Closed with explanation

Timely Response

2019-09-12

Randolph, MN

Took or threatened to take negative or legal action

Debt collection: Medical debt

Threatened or suggested your credit would be damaged
Company Response: Closed with explanation

Timely Response

2019-09-10

Indianapolis, IN

Took or threatened to take negative or legal action

Debt collection: Medical debt

Threatened or suggested your credit would be damaged
Complaint: The man I spoke with told me to pay them {$25.00} a month directly so my account wouldn't go to report on my credit. I told him I didn't have income. Now I have 11 separate accounts reported on my credit report, each medical date individually, instead of reporting as one whole bill. They sent me one letter with the explanation of my past due amount to XXXX XXXX XXXX. It is listed under one file number with American Accounts & Advisers , INC. and it should not be reported as 11 separate accounts. I feel like they purposely damaged my credit, even though I am still paying them monthly, because I told them I could not accept his deal. It should be listed as one account.
Company Response: Closed with explanation

Timely Response

2019-08-20

Hamburg, MN

Problem with a credit reporting company's investigation into an existing problem

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

Investigation took more than 30 days
Company Response: Closed with explanation

Timely Response

2019-08-20

MN

Written notification about debt

Debt collection: Medical debt

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

Timely Response

2019-08-20

Bertram, IA

Written notification about debt

Debt collection: I do not know

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

Timely Response

2019-07-01

Saint Paul, MN

Problem with a credit reporting company's investigation into an existing problem

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

Their investigation did not fix an error on your report
Company Response: Closed with explanation

Timely Response

2019-06-26

Saint Paul, MN

Problem with a credit reporting company's investigation into an existing problem

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

Investigation took more than 30 days
Company Response: Closed with explanation

Timely Response

2019-06-18

Beldenville, WI

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: They are requesting {$25.00} for an office visit that never occurred. They sent me a statement of charges, but like I have said, she was not seen at the XXXX clinic that day. I explained if they requested chart notes they would see this. They refuse and say unless I pay they are reporting this to the credit bureau.
Company Response: Closed with explanation

Timely Response

2019-06-15

Bloomington, MN

Incorrect information on your report

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

Account status incorrect
Complaint: This account has been paid for over a month. I have not received any letter showing on credit its been paid or removed from credit.
Company Response: Closed with explanation

Timely Response

2019-06-14

Orion Twp, MI

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: In response to a denial of an extension of credit, this consumer checked with one or more consumer reporting agencies and discovered the following : 1. Your company has furnished negative information concerning this consumer to one or more consumer credit reporting agencies as shown by the accompanying exhibits. 2. This consumer is unsure whether or not your company can show that it has complied with the notice requirements found within the consumer protection laws. 3. This consumer does not recall having received the required notice apprising this consumer of the right to dispute the alleged debt, nor does this consumer recall having received any billing statements and/or statements of account bearing the number you used to furnish the negative information. 4. This consumer is without facts sufficient to form a belief that this consumer has a meaningful relationship with your company, and therefore must deny that such a relationship exists. 5. Notwithstanding any substantively admissible facts to the contrary, this consumer denies having any knowledge of the alleged account which the furnisher has placed on this consumers credit report.
Company Response: Closed with explanation

Timely Response

2019-06-05

Randolph, MN

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Complaint: Debt was paid in full. Debt is still being reported as negative on credit report.
Company Response: Closed with explanation

Timely Response

2019-04-19

TX

Credit monitoring or identity theft protection services

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

Problem canceling credit monitoring or identify theft protection service
Complaint: I went to check for financing a vehicle, which this dealership holds, called as XXXX XXXX XXXX. They took the data and put a report on my credit with {$460.00} charge displaying it as American Account Advisor, Out of nowhere.
Company Response: Closed with explanation

Timely Response

2019-04-16

Beldenville, WI

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-04-01

Bloomington, MN

Written notification about debt

Debt collection: Medical debt

Didn't receive notice of right to dispute
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-02-10

Tampa Palms, FL

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-01-25

Eagan, MN

Written notification about debt

Debt collection: Medical debt

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

Timely Response

2018-12-27

Houston, TX

Problem with a credit reporting company's investigation into an existing problem

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

Their investigation did not fix an error on your report
Complaint: XXXX has been non-compliant with removing the unverified account AMERICAN ACCOUNTS ADVISORS INC Opened Date XX/XX/2016 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that AMERICAN ACCOUNTS ADVISORS INC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Company Response: Closed with explanation

Timely Response

2018-12-21

Hamburg, MN

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: Could you Please send me any credit application with my Signature attached to any credit application that i agreed to pay this Debt also any Type of Medical release forms that i supposedly gave Medical release to information this is consider to be a Hippa Vilation of patient Condifentiality.. If this info is not enclosed I will reach out to an lawyer for a possible lawsuit!
Company Response: Closed with explanation

Timely Response

2018-12-19

Hamburg, MN

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Complaint: To whom it may concern : Please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you. also please remove this account from all three of the major reporting agancies ASAP IN WHICH THESE ACCOUNT ARE SHOWING ON MY CREDIT REPORTS please remove the accounts from my credit report! Please provide me with the below mentioned things : * The amount you claim I owe you * Explain and show me how you have computed the amount * Send me the copies of any documents that prove I agreed to pay the alleged amount * Identify the original creditor * Confirm that the account has not crossed the SOL period * Prove that you're a licensed debt collector also Please send me any signed documents with my signature attached as I have never opened up an account with your company! as I have never signed any application to open up any accounts with your company
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response