Associated Credit Services, Inc
Consumer Complaints
There are over 143 complaints on file for Associated Credit Services, Inc. Dated between 2019-12-04 and 2013-07-24.
Complaints Page 4
2018-02-03
Austell, GA
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-01-24
Brooklyn, NY
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Complaint: XXXX XXXX XXXX is still reporting a collection account to my credit report. We had an oral agreement this account would be removed when the account was paid ( they called it a pay for delete ) but I just checked my credit yesterday & see it 's still being reported. This account is damaging my credit & impacting my ability to get a loan. I 'd like them to remove the account per our agreement. Please help me get this rectified
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-01-23
San Francisco, CA
Written notification about debt
Debt collection: Other 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
2018-01-19
Fargo, ND
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: On XX/XX/XXXX, I sent Associates Credit Services a letter specifically saying " This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. '' They received the letter and sent me an invalid response letter dated XX/XX/XXXX. Associated Credit Services is reporting this account on XXXX XXXX and XXXX. This account does not belong to me, they have been unable to provide me factual evidence proving this account belongs to me. The only document they provided was a balance statement dated XX/XX/XXXXwith an address not belonging to me, dates and amounts. I have attached ( 1 ) the letter I sent ACS on XX/XX/XXXX, ( 2 ) a copy of the certified mail receipt, ( 3 ) a copy of my receipt showing the tracking number, ( 4 ) both letters from ACS dated XX/XX/XXXX and XX/XX/XXXX ( which states " Enclosed please find verification of the debt as per your request ) which both arrived in the same envelope. As of XX/XX/XXXX, they have failed to provide me with VALIDATION.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-01-15
Brooklyn, NY
Communication tactics
Debt collection: Other debt
You told them to stop contacting you, but they keep trying
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-01-08
Lillington, NC
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-12-29
Wrentham, MA
Took or threatened to take negative or legal action
Debt collection: Other debt
Threatened or suggested your credit would be damaged
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-11-06
Written notification about debt
Debt collection: Other 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
2017-11-02
PA
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: On XX/XX/XXXX I discovered XXXX XXXX XXXX XXXX XXXX for {$660.00} and {$690.00} had been re-inserted into my credit file. They are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. This has been open for a few years now after they took me by ambulance after a car accident and I have tried telling them numerous times that I had health insurance. I have never been billed for that hospital stay or 2 ambulance rides I 've had since then. Because I HAVE health insurance, I HAD it then too. This keeps dropping my credit as they reinsert it without notification or answers. My car accident was i believe in XX/XX/XXXX.
Company Response: Closed with explanation
2017-10-25
Brooklyn, NY
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2017-10-17
Brooklyn, NY
Took or threatened to take negative or legal action
Debt collection: I do not know
Threatened or suggested your credit would be damaged
Company Response: Closed with explanation
2017-10-13
Virginia Bch, VA
False statements or representation
Debt collection: Other debt
Attempted to collect wrong amount
Company Response: Closed with explanation
2017-10-11
Scottsdale, AZ
False statements or representation
Debt collection: I do not know
Attempted to collect wrong amount
Complaint: Associated Credit Services , Inc. Claims to be collecting a lawfully owed debt to XXXX, XXXX XXXX When I wrote them and explained the debt IS NOT owed and the claim that the debt is owed is false. They sent back a legal agreement I never signed and have never seen prior to Associated Credit Services , Inc. remittance of the agreement. The agreement sent by Associated Credit Services , Inc. further does not contain my signature in any way shape or form. They also sent a generated invoice for {$600.00}. XXXX, XXXX and Associated Credit Services , Inc. are committing mail fraud by attempting to collect false and/or fake debts via the U.S. Postal System, I feel they should be investigated and charged.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-09-20
Bay View, OH
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-09-20
Brooklyn, NY
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-09-12
Ferndale, NY
Communication tactics
Debt collection: Other debt
Frequent or repeated calls
Company Response: Company disputes the facts presented in the complaint Closed with explanation
2017-07-05
Brooklyn, NY
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-06-27
Chester, NY
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-06-19
Beachmont, MA
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2017-06-17
Hartford, CT
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-06-08
Rockaway Beach, NY
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-05-22
MA
Written notification about debt
Debt collection: Other debt
Didn't receive notice of right to dispute
Complaint: On XX/XX/XXXX I called the company XXXX XXXX to cancel my account becouse I was moving out of that address and when I asked about the remaining balance the costumer representative said that was no debt on that account on that moment but if any balance appears in the future they would sent me a billl on my knew address. Nothing came on my new address and on XX/XX/XXXX a founded a derogatory mark on my spotless credit. Called the collect agenc y ( a ssociates credit agency ) ask tham what happen and they said letters was sent to my new address and returned by post office and they had to report the credit agency once they could not find me. I question tham way they did not called me and they sad XXXX XXXX did not informe tham my phone number. Payed the collection agent in full on XXXX the debt of aproximedly U {$150.00} and they said they could not remove the derogatory mark of my credit enven knowing that was n't my fault. I felt wronged for XXXX XXXX because all of this situation was n't my fault. Thank you Sent from my XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-04-24
PA
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Complaint: in XXXX 2017, I fille d a report with this company with the FTC, about a collection about the amount for XXXX , for concept for the bill due for payment. We did the report with the FTC and I sent the police report I did in date X/XX/2017 . The report was closed about the explanation and the paper than support this case, but the company ACS reopen the case in the bureau affecting my credit, for the same case resolved some month ago.
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation
2017-03-06
Brandenburg, KY
Cont'd attempts collect debt not owed
Debt collection: I do not know
Debt is not mine
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-02-16
Meyersdale, PA
Disclosure verification of debt
Debt collection: Other (i.e. phone, health club, etc.)
Right to dispute notice not received
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation