Associated Credit Services, Inc

2017-02-16

PA

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Complaint: I am in a status identity theft, Then I will send the police report and the FTC report. I want a investigation about this issue, because I am not reponsable for this debt.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-11-03

Ashville, OH

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: I have spoke with this company and advised that this is paid in full and also called the regular creditor first energy on XXXX way with a rep to confirm and this was deleted off my report XXXX weeks ago and now brought back on my report XX/XX/XXXX. This is paid in full and i need this company investigated as soon as possible. I monitor my report and have been through many collection agencies with medical bills that has been scammers and every rep i 've spoke with have gave me different response. i have already spoken to someone weeks ago that already took care of this a deleted it
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-10-11

Cleveland, OH

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-10-05

Jamaica, NY

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-08-30

Ashville, OH

Taking/threatening an illegal action

Debt collection: Medical

Threatened to sue on too old debt
Complaint: You can go ahead and investigate this company. I have been trying to resolve a bill with XXXX XXXX and have spoken to them today on XXXX/XXXX/2016 in regards to my account and they said one thing they never do is put anything on folks credit report if they agree upon or trying to pay off debt.The only reason i had a big bill is because a consumer used my name fraud without my permission saying it will save me money on my bill. We are currently in court resolving this issue. See documents attached. This company has called me NUMEROUS times and i advised them of my situation. As they seem to be understanding however no one has took action nor updated the systems any time i called or a rep called. Then i called again today and told them i will not pay them anything until they take my name off the credit report and they told me they would sue me. I find that really funny because that is against the law not only that only i am able to sue you guys for the many phone calls i received and the lies and miscommunication. i have my notes of every single phone call and rep i spoke with and will show all this in court. I will be reporting them to every single media outlet i know. It is n't right. I want to pay my debt and have no problem doing so but if i am TRYING to do something DO NOT LIE and go behind my back and do something WE agreed upon. Regardless of what i want this off my credit report as i am making payments period point blank.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-28

Ashville, OH

False statements or representation

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

Impersonated an attorney or official
Complaint: I have a bill from firsts energy of {$280.00} and when I first moved from the property that it was owned it was {$400.00}. I have been in communication with first energy and they 've told me several times that they will NOT PUT THIS ON MY CREDIT REPORT as long as I make payments. Does n't matter how much I make long as I put something towards it. They also mentioned that with the system they have it may have to still go to collections bc its old however it wo n't go on my credit report. So associated credit services called me SEVERAL times and I explained to them my situation and assured them many times the status. Last call was one week ago and I let them know I made a payment. So I just made a payment a week ago and advised every time I get paid I will make a payment So the lady said se was willing to work with me and will also keep it from going on my credit report. Yet I see it on my credit report and different reps at this office said different things. I am doing my best to pay this off and I do n't want to be harassed and threated and on my credit report.Most people do n't even make attempts but I do and will keepon until its paid. I have a illness that kept me from work so I could n't pay the big amount of {$50.00} like I was as I was behind on so much but again I have been working on it. So I want them investigated and shut down for all this mess they just caused with it being on my credit report.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-03

Germantown, MD

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: on XXXX/XXXX/2015. XXXX was sent to delete collection. XXXX # XXXX. Collection was deleted as instructed but has reappered on my credit file today.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Disputed: Yes Timely Response

2016-07-28

Kissimmee, FL

Disclosure verification of debt

Debt collection: I do not know

Right to dispute notice not received
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-03-02

Church Hill, MD

False statements or representation

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

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

Disputed: Yes Timely Response

2016-01-27

Rockville, MD

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: This company has called me repeatedly over three years after my informing them multiple times that this was a wrong number. Their caller ID does not list a name. They have been very rude and refused to identify themselves when I asked who they were, saying " if you are n't the person we are calling, then you do n't need to know. '' I have called back and asked to talk to a supervisor -- they said they would transfer me, and dropped the call.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-01-20

N Chesterfld, VA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-01-19

Oliver, PA

False statements or representation

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

Attempted to collect wrong amount
Complaint: This person called stating that I owed more than amount on bill. Stating that it was a past due bill and they tried to collect.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-12-09

NH

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: Collection agency reported to XXXX that I owe {$550.00} to XXXX XXXX for an outstanding gas bill which I have a grant for the amount of {$600.00} for. I disputed the claim and sent them a copy of the grant. I have not been contacted by them since. I have also called, faxed, and mailed the grant information to XXXX XXXX via USPS Priority with signature and when ever I call they say they have no record of receiving any information for me. I have not lived in the state for almost two years.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2015-12-08

Brooklyn, NY

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: Debt was paid on XX/XX/XXXX as the collector states themselves On XX/XX/XXXX the consumer called our office to pay their obligation to our client XXXX XXXX in the amount of {$130.00}. We accepted the payment, processed it, and posted it to the consumer 's account within XXXX hours as explained to the consumer. The account is currently paid in full. Please understand that this transaction was initiated by the consumer only 2 days ago. At that time our office notified the consumer that updates to their credit bureau are performed as expeditiously as possible but can take up to 30 days to reflect on their report. The consumer 's account will be updated to the bureaus as paid in full during our next reporting cycle which will occur on or before XX/XX/XXXX '' No such change has occurred and the collector is still reporting as this collection is open as it still appears on my report as an open collections.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-12-03

Warren, RI

Communication tactics

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

Called outside of 8am-9pm
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-12-03

CT

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: I was called by a guy saying he represented a collection agency for Eversource ( a power company in my area ) saying that we owed {$45.00}. We knew that we had paid in complete our total power bill. He threatened to mark down my credit and said we had to do it tonight. When I asked for his number and told him I would call him back he just hung up. Call was from XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-11-23

Boston, MA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-11-12

Brooklyn, NY

Cont'd attempts collect debt not owed

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

Debt was paid
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2015-10-14

Brooklyn, NY

False statements or representation

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

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

Disputed: Yes Timely Response

2015-10-06

Vistas Del Atlantico, PR

Incorrect information on credit report

Credit reporting:

Information is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-19

Washington Green, CT

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-04

Charlotte, NC

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: I discontinued service with XXXX XXXX ( original creditor ) in XXXX XXXX. XXXX XXXX made no attempt to contact me about a past due balance prior to selling the account to Associated Credit Service, a collection agency. I did not become aware of the debt until noticing the collection account for {$340.00} on all three of my credit files. Associated Credit did not inform me prior to posting the derogatory information in my credit files. According to the date listed in XXXX, the collection information was posted over 60 days ago with no contact from Associated during that time. I offered to pay the balance to XXXX XXXX if they could remove the collection but was told they could do nothing about it except updating the account as paid however XXXX XXXX can remove the negative information. XXXX XXXX claims that they sold the account off to Associated and are no longer responsible for any collection activity. I paid the {$340.00} balance to Associated Credit and asked that the negative information be removed a second time. Again my request was denied and I was told that XXXX XXXX would need to take action. The account they are collecting for was included in bankruptcy filed in XXXX XXXX and discharged XXXX XXXX. It is somewhat a grey area weather or not the balance was even collectable as at the time the bankruptcy was filed a balance was owed on the account but payments were continued to maintain electric service. A new account number was never issued.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-27

Newark, NJ

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: Account # : XXXXname of reporting company : Associated Credit Services Collections DepartmentDear XXXX dispute officer ; Please be advised that the creditor, XXXX/XXXX is being challenged and in the dispute process for the reasons stated below : The account belonged to my former tenants XXXX XXXX and XXXX XXXX, who can be reached via their social security numbers and current addresses which are on file with XXXX/XXXX. XXXX XXXX XXXX alleged that there was a shared meter issue prior to the tenants moving out. After over XXXX attempts for the shared meter department to respond to an investigation, their findings results were that there was NOT any shared meters in the entire building. In XX/XX/XXXX there was a complete re-wiring for all of the apartments in the building to new meters and there was XXXX meter installed per unit. Permits were obtained from XXXX XXXX XXXX, and after a certified electrician re-wired and installed the new meters, XXXX XXXX XXXX sent an inspector to approve the proper wiring of the new meters according to their codes and we were given the authorization for use. XXXX XXXX XXXX never sent any invoices regarding the above matter to me at my home address. When I was notified by Associated Credit, I asked for the invoices and bills from XXXX I was informed that I did not receive them because they were not sent to my residing address. XXXX continued to provide electricity after months of non-payment which is not a common business practice for Utility companies. I am writing this letter after several attempts to reach XXXX XXXX XXXX and requests for copies of the re-wiring inspection reports, and all shared meter allegations, and finally the dated approvals and passed inspections that were granted by XXXX XXXX XXXX inspector. Finally, based on my attorneys ' findings, it is not Pennsylvania state law to refer outstanding utilities and bills to the landlord. I am requesting that this matter be removed from my credit report since XXXX XXXX XXXX is unable to provide any supporting documents that allow this to be reported on my credit. Thank you for your cooperation regarding this matter. Also my Attorney sent the following letter to associated creditT : ( XXXX ) XXXX F : ( XXXX ) XXXX XXXX XXXX XXXX, XXXXRe : XXXX, XXXX XXXX. XXXX Your File # : XXXX $ XXXXXXXXAssociated Credit Services , Inc . XXXX, MA XXXXDear Associated Credit Services , Inc., Please be advised that I have been retained by the above mentioned in regards to the disputeddebt with XXXX. As previously advised by XXXX XXXX, the matter is currently under disputewith XXXX XXXX XXXX. The sum requested by XXXX XXXX XXXX was incorrectly assessedto my client and therefore is being disputed. In accordance with the Fair Credit Reporting Act I request that you not report this matter to anycredit agencies since it is currently under a verifiable dispute. It is well established that willfulnoncompliance with FCRA, may subject a violator to actual damages or a statutory fine, pluspossible punitive damages, as well as reasonable attorney 's fees and costs. Additionally, inregards to any future correspondence, kindly contact my office and not XXXX XXXX. Sincerely, XXXX XXXX XXXX, XXXX.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-23

CT

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: I went to take out an auto loan and found a mark on my credit report that surprised me since I 'm still a customer. Associate Credit 's customer XXXX gave them a wrong address to contact me with a past due bill. I have been a customer of XXXX since 2006. XXXX uses social security numbers to identify customers to accounts. Associate Credit did not attempt to collect information from their customer after not being able to reach me by phone or mail and simply just reported me to XXXX XXXX. If they had made contact with their customer, they could have found the error themselves or could have obtained my current address. This has caused damage to my credit. I was unable to obtain an auto loan due to this error. If I had been contacted with this bill of {$130.00}, I would have paid it immediately. I 'm also filing a complaint against XXXX for not combining the XXXX bills, since I 'm still a customer with them.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-22

Point Arena Air Force Statio, CA

Cont'd attempts collect debt not owed

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

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response