Associated Credit Services, Inc

2019-12-04

And, SC

Took or threatened to take negative or legal action

Debt collection: Other debt

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

Timely Response

2019-11-23

Powder Spgs, GA

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

2019-11-23

NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-11-22

FL

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2019-11-22

FL

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-11-20

Written notification about debt

Debt collection: Other debt

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

Timely Response

2019-11-16

Memphis, TN

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-10-30

Rochdale, NY

Communication tactics

Debt collection: I do not know

Called before 8am or after 9pm
Company Response: Closed with explanation

Timely Response

2019-10-28

Maynard, MA

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: In progress

Timely Response

2019-10-18

Lewisville, TX

Written notification about debt

Debt collection: Other debt

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

Timely Response

2019-10-17

Sharon, MA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-10-15

Maynard, MA

Attempts to collect debt not owed

Debt collection: Auto debt

Debt is not yours
Complaint: Associated credit services is claiming that I owe them {$940.00}, since they say that I owe them this amount, I want to see the original contract bearing my signature. This is not a refusal to pay but I want to see proof that this debt belongs to me, the FCRA allows me by law to ask for this proof, if this proof cant be provided to me, then I want this account closed and deleted. I dont want a breakdown of any payments made or any account statements, that is not enough to validate this debt. I dont recall owing any money to this or any other company, if I ever signed a contract with Associated credit services where I agreed to pay them this amount of money then I would also like them to provide it to me.
Company Response: Closed with explanation

Timely Response

2019-10-15

Palatka, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-10-15

Mountain View, OK

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2019-10-10

Lewisville, TX

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I used to be a customer of XXXX XXXX and be paperless enrolled and make all my payments via automatic payments. I never missed a payment from of utilities. In XXXX I moved from XXXX to XXXX and closed the XXXX XXXX account and I was expecting that any remaining balance should be paid via automatic payment. Since that, I never received any final bill my to my current address. Also, I never received any call or email from XXXX XXXX. Just a quick remember that I was used to receive my communication and bills via email because I was paperless enrolled. On XXXX, I received an alert from XXXX about a Collection account was reported to my credit report, I call XXXX to understand the details and I was informed that the company ASSOC CREDIT SERVICES reported a debt collection and the original debt is from XXXX XXXX. I got very surprise because I never received any notice of this debt from XXXX XXXX or the Collection company. In the same day of XXXX, I call the collection company and paid in full and requested to than to remove this derogatory account from the credit bureaus ( XXXX, XXXX and XXXX ) because I neves received any notice, however I was informed by the agent they were not able to do that. Since that, I started to open disputes of this collection account report in my credit report directly with XXXX, XXXX and XXXX. In the next day, XXXX, XXXX accepted my dispute due the argument that I never receive any notice and because they know I never missed a payment and this was a mistake. On XXXX I call XXXX to get the status of my dispute and I was told they can't remove because that account belongs to me. I did not accepted their decision and I placed I new dispute. XXXX information from phone and website are very incomplete and inconsistent, it has been impossible to follow this dispute with XXXX. The dispute number is XXXX. XXXX has never provided a feedback.
Company Response: Closed with explanation

Timely Response

2019-10-08

Maynard, MA

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: This company responded to me on a previous complaint that they closed this account and returned it to their client and that they are no longer the company to deal with this account but yesterday XX/XX/2019 I received a letter from them asking me to pay them. Is this a joke or what is going on with this company. I am providing their response to my first complaint. The letter also says final demand for payment.
Company Response: Closed with explanation

Timely Response

2019-09-04

Worcester, MA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: This is regarding a collection notice that I have received from Associated Credit services. This pertains to an XXXX XX/XX/XXXX bill for the delivery of my child on XX/XX/2018. XXXXXX/XX/XXXX was the provider for this service. I was covered on my own insurance by XXXX XXXX Member ID XXXX until the day my baby was born and subsequently me and my child became a dependent on my spouses plan on the day of her birth with member ID XXXX. XXXXXX/XX/XXXX failed to bill the right insurance member ID and hence failed to collect their fees in a timely manner. I was covered by my insurance, old and new through the entire course of these events and continue to be covered to this day. I have confirmed with my carrier that they have billed the wrong ID. I should to be penalized for a billing that was improperly submitted. It is not my job to take care of billing an insurance company. Subsequently they sent my bill to collections - Associated Credit Services who I tried to call and explain my problem. I asked them for a number to call the XXXX XX/XX/XXXX and they said they cant disclose the number and I should XXXX it and call them. I did XXXX but didnt end up having a person respond on the other end. I have called the hospital itself in hopes of getting directed to the XX/XX/XXXX billing department multiple times without response. The numbers I have called are XXXX and XXXX I called Associated credit services again and they said they are a collections company and cant help me with this. I have unfortunately not been able to speak directly to XXXXXX/XX/XXXXdue to lack of a contact number or paper bill
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-08-29

AZ

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Complaint: I contacted associated credit service to try to resolve an outstanding balance of {$350.00} when speaking to agent and explaining if they received my insurance coverage letter that i faxed in agent was very rude to and said that they do not care if i faxed any information or not that it is not their fault that i owe this amount and that i should pay asap. while explaining again about my insurance coverage that they initially requested agent said he does not care and that i should contact my insurance or the people i owe money to so i would not be in these situations. i asked to speak to a supervisor agent refused by saying he is a supervisor and can not transfer me to any other person when i threatened to report him to consumer finance agent immediately transferred me to someone else but before he did he said it is my responsibility to pay not to blame someone else name mercado or mercada. Agent as well kept cutting me off when trying to explain.agent i spoke to said he does not know how other agencies handle things but his agency has a different approach at collecting a debt. i feel threaten now specially that they know my address and personal information. and by the way they responded i feel they might use this information misleading.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-08-18

Allenwood, NJ

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened to sue you for very old debt
Complaint: This bill. Was from last summer I am XXXX and tried to get help with half the bill for XXXX$ from XXXX XXXX XXXX. They will not work with me knowing I am XXXX the lawyer is a thief I will also contact a lawyer for false info on me. The company does this to all thee lower class people. Associate Credit Services. I will be contacting a lawyer for threats that have been made and not willing to negotiate a deal with a XXXX XXXX man
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-08-08

Akron, OH

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Complaint: Associated credit services has called my number multiple times a day for several months asking for XXXX XXXX. My name is not XXXX XXXX and no one lives here by that name, despite me telling them this multiple times and requesting for them to stop calling. They are still calling. They just called again this morning.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-08-05

Glendale, AZ

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-11

Reading, PA

Incorrect information on your report

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

Account information incorrect
Complaint: ASSOC CRDIT ( Original Creditor : 10 XXXX XXXX XXXX XXXX ) is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. It is reporting to XXXX and XXXX but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. See the reporting inaccuracies below and how each bureau is reporting Date Opened : XXXX=XXXX XXXX=XX/XX/XXXX Last Reported : XXXX=XX/XX/XXXX XXXX=XX/XX/XXXX Date Last Active : XXXX=XX/XX/XXXX XXXX=XX/XX/XXXX See attached credit report for proof of inaccurate information that is affecting my ability to obtain new credit
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-01

Bayway, NJ

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: In XX/XX/2019 I had a collection appearing on my credit report under XXXX XXXX XXXX with the original creditor being XXXX XXXX in the amount of {$120.00}. The amount was paid in full to XXXX XXXX on XX/XX/19 and after XXXX XXXX removed the collection from my credit reports. On XX/XX/2019, I received a credit alert stating Associated Credit Services has reported on this same collection that was paid off. I called a representative to inquire about this collection and stated that it was not only paid in full to XXXX XXXX but that this collection was under XXXX XXXX. The agent then asked that I send in " proof ' that it was paid to take it off my report. I asked why was Associated Credit Services asking for proof of payment when the collection was with another collection agency and that the collection was paid in full to XXXX XXXX. I then asked when was the account given to Associated Credit services and the agent stated XX/XX/XXXX which is the exact same time the debt was paid in full. The agent could not answer any questions and couldn't tell me when they " allegedly '' got this account from XXXX XXXX after being paid in full.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-06-24

Euclid, OH

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-06-21

Rochdale, NY

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: Dear Sir/ Madam, I noticed a collection account ( {$80.00} ) in my credit report of all credit Bureaus. This collection account was placed by Associated Credit service located in XXXX XXXX. I lived in XXXX XXXX XXXX XXXX XXXX NY XXXX. Last 6 years I lived in this address : This is a utility bill from the XXXX XXXX. This is a fraud account. I never lived at that address. I have my utility bill from the current address. After contacting the collection agency they said I have to pay. I settled for around {$60.00} dollar. Still, there is a note in a credit report which will stay for 7 years. Again this a fraud account someone used my name and social security number without my permission. I need help in this regard. XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response