Automated Collection Services, Inc.

2017-09-08

MO

Written notification about debt

Debt collection: Medical debt

Didn't receive notice of right to dispute
Complaint: I was XXXX years old and still under my mother 's care. Now knowing she never had health insurance for me and was not giving me any of my bills, I as a young adult, knew nothing of most of these debts. I never received correspondence or the right to dispute. I had serious, chronic health issues as a young adult and am now- 5 years later recieving relentless calls from blocked and out of states numbers. 2 times they never disclosed they were debt collectors and refused to stop calling me while I was at work. I contacted one back and began a payment plan with them. At first they refused to take less than XXXX dollars a month- I am a XXXX XXXX college student and living on my own. I told them the very most I could do was XXXX and have been paying it for a year with no correspondence of my current balance. No one ever mentioned I could dispute it or could send me an itemized bill- some of the bills are over 7 years old!!
Company Response: Closed with explanation

Timely Response

2017-08-10

Philadelphia, PA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2017-08-08

AL

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: A rep from this collection agency constantly called my cell phone on X/X/17.
Company Response: Closed with explanation

Timely Response

2017-08-04

South Florida, FL

Incorrect information on your report

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

Information belongs to someone else
Complaint: ACSI is reporting incorrect information about me to all 3 credit bureaus, as of XX/2017. On XXXX XXXX,2017 ACSI sends me a letter indicating I owe money for a student loan the following day I replied that I do not any 'student loan ' because a ) I am a XXXX XXXX XXXX b ) I have not gone to school since XXXX grade, c ) I am completely/fully retired. But they still reported me to the credit bureaus prior to contacting me first which is a violation of the Fair Credit Reporting Act. Subsequent to their illegal reporting my credit score went from a XXXX fico score to a XXXX fico score and I am currently buying a house which will directly affect my interest rate. What ACSI is illegal and they need to be hold accountable.
Company Response: Closed with explanation

Timely Response

2017-07-27

MN

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: XXXX originated the loan in XX/XX/XXXX-XX/XX/XXXX Then, XXXX XXXX went bust. They at some point sold the loan to XXXX XXXX, out of Colorado XXXX XXXX has sent the loans to collections via ACSI, who is threatening to retain my tax refunds. XXXX never notified me of default. XXXX XXXX never provided due diligence/process of reconciliation, forbearance, repayment options etc. This ACSI outfit, whose mailing is labeled from XXXX, OR, and Kentucky, but call center in Tennessee is the slimiest debt collection institution. The threats and harassment, especially of stealing tax returns is blatant. Obviously their debt was acquired through completely deranged and incorrect channels. XXXX failed to offer due process of loan recovery, as did XXXX XXXX. I have disputed the validity of the debt to asci. The operators at their institution asked me for my full social security number, which I found to be a fraudulent method of verifying identity. I explained repeatedly that I believe their collection to be invalid and illegal, and will only verify by yes or no the information they may have on file, but will not be providing my full social security to them. They mentioned today repeatedly being concerned about them potentially being sued for fraud. I elxplained to them that they should be concerned, as they are in fact attempting to collect a debt not originated by them. Essentially, they are parasites, exploiting loopholes in student lending laws, targeting specific individuals in the population, harassing me and others and threatening to steal tax refund. They may not be obligated to abide by student lending laws, but they are obligated and under duress of law to practice legal debt collection ( s ) i.e. Offering resolution, due process. At no point was any effort made by any of the three involved institutions to resolve the debt according to either student loan lending laws, or economic/debt collection laws. During last conversation, XX/XX/XXXX. They alleged to have placed collection in dispute and suspend collection effort. When asked to clarify what exactly " dispute '' means, representative of ACSI stated that master promissory note would be sent to me.
Company Response: Closed with explanation

Timely Response

2017-06-27

Brentwood, TN

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: On XXXX XXXX, XXXX I paid a debt owed to my previous apartment complex because my current leasing company would not rent to me until the debt had been satisfied in full. It was somewhere around {$1800.00}. I do n't remember the exact amount. I paid via money order which I do not have a copy of as this was years ago and I did n't think that I would need it. I am currently looking to move as my lease is up and I saw the same debt had been sent to collections. As stated, I do not have a receipt but I do have e-mail correspondence between my current leasing company and I from XXXX XXXX when this debt was satisfied that states they could not rent to me until they received verification from my old apartment complex that the debt was paid in full. I also have the e-mails stating that they received that verification and that my application had since been approved. The debt collector that I am dealing with is refusing to take this off of my credit report unless I have an actual receipt. There is no way that I can re-generate a receipt that I no longer have and they are stating that they refuse to accept anything else to show the debt has been satisfied. I am a single mother with a XXXX year old child and no one will rent to me with this being on my credit report and I absolutely refuse to pay it again. Can you please help? I was advised by an Attorney that they must accept other forms of correspondence. Thank you.
Company Response: Closed with explanation

Timely Response

2017-02-24

Del Sur, CA

Taking/threatening an illegal action

Debt collection: I do not know

Threatened arrest/jail if do not pay
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-13

Knickerbocker, NY

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

2016-12-07

Nashville, TN

Communication tactics

Debt collection: Payday loan

Threatened to take legal action
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-12-05

Wallington, NJ

Can't repay my loan

Student loan: Federal student loan servicing

Can't get flexible payment options
Complaint: Dear Sir/Madam : I continuously receive threatening letters of garnishment from ACSI - XXXX although I provided them with sufficient documentation that my average monthly debt exceeds my disposable income. Since I did not provide receipts for Food, Clothing, and Misc., they credited me {$120.00} per month. I am a family of XXXX. It is unreasonable to think a family of XXXX could survive off of {$120.00} per month for food, clothing, and misc. items. Today, I provided them with receipts for the month of XXXX and asked that they reconsider their decision. I also made an offer for a payment plan of {$50.00} per month. Having XXXX dependents, It would be extreme financial hardship to have 15 % of my pay garnished. Thank you for taking the time to look into this matter.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-11-25

Ancho, NM

Communication tactics

Debt collection: Payday loan

Threatened to take legal action
Complaint: Hello, I am having trouble paying this payday loan back according to the terms of the agreement. I received this email from the debt collector ACS -- Case No : XXXX Balance Amount : {$960.00} Case File Transferred to ACS : - XXXX 2016 Dear Customer, Having checked your Social Security Number through our National Checking Database System, and finding out that you have been never charged for a fraud activity, ACS has decided to give you a chance to take care of this issue outside of the Court without you having a report on your Credit History and SSN. In order to avoid a lawsuit of {$2800.00} against you, we request you to kindly pay the Court Restitution Amount which is {$960.00}. If you settle this matter today, you may be entitled to get some percentage of deduction on the restitution amount. You will have to send us a promissory note in order to hold your case file from being sent to the court house. On a case to case basis, you may be given the solution to pay XXXX-XXXX % of the pending amount in the same month & a 30 days extension to settle the rest of the settlement amount as mutually agreed. As we were unable to reach you so we are sending you this final notification through email. This legal matter will require your cooperation, so kindly get in touch with the department to make a payment and freeze down this case. As you are a defaulter on this credit, the following counts are likely to be represented against you at local County Courthouse : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION Once the court action is initiated and a Judgment / Decree against you to recover the balance amount with the cost of law suit is received, we may need to ask the court to give one of the following order, should the debt remains unpaid : - Attachme nt of Earnings base ( Earnings Arrestment ). Deduction from your wage by your employer or arrestment of part of your salary to satisfy the debt. Warrant of Execution ( Exceptional Attachment Order ). Seizure and sale of movable non-essential assets / property by a County Court Bailiff /Sheriff Officer. If you are under any state probation or payroll we need you to inform your reporting officer or manager about what you have done in the past and what would be the consequences once the case has been downloaded and executed in your name. If we do not hear from you within 48 hours of the date on this letter, we will be compelled to seek legal representation .We reserve the right to begin litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet and your SSN. In addition we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred. The Factual Basis for the complaints are as follows : You accepted to return the funds from this aforementioned pending loan. And as per the agreement the funds have yet to be returned and the collateral has proven to be null that is to say of no value. At present, ACS INC is seeking either of the following remedies : - All funds to be returned as per terms of initial contract. Dear debtor, as we were investigating your profile credit bureau & social security administration we need some right answers from your side. Also we would like to know when you can pay the requested {$960.00} to settle this case. To resolve this issue contact us during the working hours Monday to Friday XXXX to XXXX EDT on reply back to this E-mail to get in touch with the representative. Yours sincerely Collections & Legal Department They called my sister on Wednesday and were terribly rude. I spoke to them and told them to stop. She said she would see me when she served me papers on Monday. She said I was going to be prosecuted.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-16

Pinellas Park, FL

Communication tactics

Debt collection: Payday loan

Threatened to take legal action
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-22

San Diego, CA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: On XXXX XXXX, 2016 I began receiving up to three calls daily from what I believe is XXXX/ASCI Collection Services ( www.acsi-collections.com ). In the past month I have logged nearly fifty calls from eleven different phone numbers with similar calling patterns. To date, no call has ever left an intelligible voice message. I 've resorted to whitelisting contacts in my address book. As described on their own website, this company 's calling infrastructure is fully automated and allegedly makes up to XXXX unsolicited calls every day. I 'm complaining because I 'm almost certain that the debt in question is a case of mistaken identity. I have incurred no significant debts, past or present, and my credit score is excellent ( XXXX ). This company boasts about its ability to harass debtors and does n't bother to identify itself or provide contact information when they call.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-14

Westfield, NJ

Dealing with my lender or servicer

Student loan: Federal student loan servicing

Having problems with customer service
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-10

Tujunga, CA

Taking/threatening an illegal action

Debt collection: Payday loan

Threatened arrest/jail if do not pay
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-05

Bratenahl, OH

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-27

Brentwood, TN

Disclosure verification of debt

Debt collection: Medical

Right to dispute notice not received
Complaint: I had an XXXX XX/XX/2015 which should 've been covered by insurance. To date, I have not received a bill from XXXX fire dept or from the collection agency. I have also not received any phone calls. I went to get a car today and there is a collection on all XXXX reports which has dropped my score over XXXX points. The original creditor has not reached out to me neither has the collection agency. Now my credit score has been damaged as a result of their negligence.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-14

CA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: There is a collection account on my credit report that I have continuously disputed because it is completely inaccurate. I do not owe the amount reported, and the collection agencies can not provide any evidence to prove and/or verify the account. The account keeps being transferred from one agency to another, with no accountability, while severely damaging my credit ( and my ability to refinance my home ) and creating a financial hardship by reducing my income. In the last year, this account has changed from XXXX to XXXX to Automated Collections to the current holder, XXXX. I have sent letters by certified mail asking all of these agencies to verify this debt, and they have not. Automated Collection/XXXX is not only reporting this inaccurate account on all three of my credit reports, but they are also intercepting any federal payment to me. They have reduced my XXXX income and they also withheld my federal tax refund. As of Tuesday, XXXX XXXX, 2016, a staff member from Automated Collection, XXXX, stated that they have my case in dispute and they will respond in writing in a few weeks. This is unbelievable and completely unacceptable! I still have n't received a response to date. I retired from my job for health reasons and this is creating a serious financial hardship. This is not my account! Following my series of disputes to the credit bureaus, I finally received a letter from XXXX XXXX last XXXX stating that they could not verify the account ( please see attached ), and would return the account back to the original creditor and delete it from my credit files. To date, it is still on my report, which is the account transferred to and now reported by XXXX. The credit bureaus keep sending me responses that this account has been verified, although neither XXXX XXXX nor XXXX ( or any of the other collection agencies ) can verify it, and despite my sending them a copy of the attached letter confirming this fact. During the first week of XXXX, I contacted both Automated Collection Inc. and XXXX again, and received the usual runaround. On the morning of XXXX XXXX, XXXX, an XXXX staff member, informed me that XXXX sent an email on my behalf to Automated Collection Services on XXXX XXXX, 2016, asking them to release the intercepted Federal payments, including our income tax refund, and said they are waiting for a response from Automated Collection Services. I never receive any responses or updates, while my credit continues to suffer and my income continues to be unjustly taken from me! I urgently request your help and assistance, as I have written several letters and made several calls, to no avail.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-27

Stewart, AL

Dealing with my lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are handled
Complaint: To Whom It May Concern, I was garnished again for 15 % of my paychecks for XX/XX/XXXX and XX/XX/2016 by Automated Collection Services , Inc. in XXXX, TN. I did not receive notice of garnishment from ACSI, and the garnishment took be by complete surprise. I repeatedly told ACSI reps that I could not afford the amount of this garnishment. I even faxed over financial records showing that I could not pay essential bills ( rent, utilities, etc. ). ACSI and I then had a written agreement with ACSI to have my garnishment reduced to 5 %. However, I contacted my payroll department this morning and the director of payroll replied they did not receive a fax from ACSI for this reduction, and I was garnished at approximately XXXX % again. As I have tried futilely to discuss with their reps, I can not afford the amount at which I am being garnished. It is crippling me financially, rendering me unable to pay my essential bills. I contacted ACSI and I was transferred to someone calling herself XXXX XXXX. XXXX XXXX mocked me. After telling her I was being crippled financially by the garnishment, she said then I could pay the full balance in lump sum or settle for thousands of dollars. Well, if I ca n't afford to pay hundreds of dollars, how can I pay tens of thousands of dollars at one time? Why would someone representing a company mock someone who is financially destitute? Is it common practice by companies to tell people who can not afford to pay hundreds of dollars each month to tell them that they can pay tens of thousands in a lump sum which the representative would know that that person can not pay it? The only reason to say such a thing is to mock and humiliate a financially destitute person. Second, they claim they can not relinquish the garnishment. However, they have that option ( as evidenced by a complaint that was resolved on the XXXX website and by common sense -- they hold the debt -- no one is forcing them to garnish me at the rate they are ). I have no problem making payments, but not at the amount they are demanding. I simply can not afford it. Plus, I offered to consolidate the loan with my other loans which are in good standing. They refused because they told me that because they had the garnishment they did not have to. Had I received a notice of garnishment, I would have been aware of the debt, which I assumed to be in good standing with my other student loans ( that is the only reason it went delinquent ). And, thus, I would have contacted XXXX ( the originator of the loan ) or ACSI and handled it before being garnished. From my understanding, I am supposed to have received a notice of garnishment, and I also do not think that belittling consumers for not being able to pay is something that ACSI 's employees have the right to do.
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-05-04

Flint, MI

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-04-27

Knoxville, TN

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

2016-04-14

Rives, TN

Can't repay my loan

Student loan: Non-federal student loan

Can't get flexible payment options
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-14

Rives, TN

Disclosure verification of debt

Debt collection: Non-federal student loan

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

Disputed: No Timely Response

2016-03-14

Lewiston, NY

Dealing with my lender or servicer

Student loan: Federal student loan servicing

Don't agree with fees charged
Complaint: My school loan went into collections a few years ago, XXXX ( XXXX XXXX XXXX XXXX ) was the first to contact me in XXXX XXXX after my bankruptcy closed a few months earlier. I have since made arrangements with them for repayment. I was also contacted numerous times by mail, phone and even my work place from ACSI ( Automated Collection Services , Inc ) which started about 2 months after XXXX contacted me. ACSI had NO accurate, up to date information on me, I had requested multiple times by phone, in writing for information on the loan they claimed to be collecting on-I never received any return calls or emails with this information. In XXXX XXXX I received a notice for wage garnishment from ACSI, I filled out the forms asking for a hearing, mailed back to them certified return receipt XX/XX/XXXX, they received it, but I have not received ANY updates or contact from them since. About a week after I sent the garnishment forms back a NEW collection agency-XXXX sent me a letter claiming to be collecting on the same exact loan as ACSI and threatening to take my federal tax return-again NO confirmation of the loan information. Both ACSI and Performant claim it is from XXXX XXXX XXXX ( I consolidated my loans with them after completing 1 year in school ) In contacting XXXX XXXX XXXX it was brought to my attention that ONLY XXXX handles the collections for XXXX XXXX XXXX. My Federal return for filing year XXXX has been confiscated with no advanced notice of this happening. I have not heard from ACSI or XXXX regarding any collections processes since XXXX, I have never received any confirming information on the loan they claim to be collecting on, the amount they claim I owe is equal to 5 years in school ... I went into a certificate program which was 1 year.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-02

Houston, TX

Cont'd attempts collect debt not owed

Debt collection: Mortgage

Debt resulted from identity theft
Company Response: Closed with explanation

Disputed: No Timely Response