11207703
|
2024-12-18
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
Associated Credit Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt was paid
|
Sub Product |
Other debt
|
Date Received |
2024-12-18
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-12-27
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Complaint What Happened |
In XXXX, me and my friends wanted to go to XXXX XXXX
And i went online, and Bought Plus passes for me and my Friend But Unfortunately, both were placed under my social security number Then we went about three times.
After that, Towards the end on XXXX, I found out that i had to pay monthly for both accounts.
And i tried to cancel the accounts.
XXXX XXXX transferred my accounts to the ACS Collections company And i had to pay them for both accounts.
I made two payments of {$250.00}.
One on XX/XX/XXXX and One on XX/XX/XXXX But both were applied to only one account The second payment did not count And now Acs wants me to pay {$400.00} or about {$370.00} with discount Also, i am on XXXX, and don't have enough money to pay my bills Previously i emailed Acs my payment history.
But they pretend to not receive it
|
Consumer Consent Provided |
Consent provided
|
|
11428931
|
2025-01-08
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
Associated Credit Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt is not yours
|
Sub Product |
Other debt
|
Date Received |
2025-01-08
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-08
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Consumer Consent Provided |
Consent not provided
|
|
4085314
|
2021-01-22
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
Associated Credit Services, Inc.
|
Product |
Credit reporting, credit repair services, or other personal consumer reports
|
Sub Issue |
Information belongs to someone else
|
Sub Product |
Credit reporting
|
Date Received |
2021-01-22
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2021-01-22
|
Consumer Consent Provided |
Consent not provided
|
|
3659504
|
2020-05-19
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
Associated Credit Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt is not yours
|
Sub Product |
I do not know
|
Date Received |
2020-05-19
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2020-05-19
|
Consumer Consent Provided |
Consent not provided
|
|
8751088
|
2024-04-12
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
Associated Credit Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt was result of identity theft
|
Sub Product |
Other debt
|
Date Received |
2024-04-12
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-04-17
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Complaint What Happened |
I am writing to express my profound dissatisfaction with the ongoing presence of a fraudulent account on my credit report. Upon reviewing my credit report, I discovered this account that do not belong to me. Therefore, I request the removal of this account from my credit report. I request that you conduct a investigation into this account and promptly remove it from my credit report. Please inform me if you require any additional information or documentation from me to facilitate this process.
ASSOC CREDIT SERVICES ( Original Creditor : XXXX XXXX ) XXXX.
|
Consumer Consent Provided |
Consent provided
|
|
2924453
|
2018-06-02
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
Issue |
Took or threatened to take negative or legal action
|
Timely |
Yes
|
Company |
Associated Credit Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Threatened to sue you for very old debt
|
Sub Product |
Other debt
|
Date Received |
2018-06-02
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2018-06-13
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Consumer Consent Provided |
Consent not provided
|
|
2565397
|
2017-07-05
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
Associated Credit Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt is not yours
|
Sub Product |
I do not know
|
Date Received |
2017-07-05
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2017-07-05
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Consumer Consent Provided |
Consent not provided
|
|
2147118
|
2016-10-05
|
Disclosure verification of debt
|
Debt collection
|
|
Issue |
Disclosure verification of debt
|
Timely |
Yes
|
Company |
Associated Credit Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Not given enough info to verify debt
|
Sub Product |
I do not know
|
Date Received |
2016-10-05
|
Submitted Via |
Postal mail
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2016-10-21
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Consumer Consent Provided |
N/A
|
|
1687065
|
2015-12-08
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
Issue |
Cont'd attempts collect debt not owed
|
Timely |
Yes
|
Company |
Associated Credit Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt was paid
|
Sub Product |
Other (i.e. phone, health club, etc.)
|
Date Received |
2015-12-08
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2015-12-08
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Complaint What Happened |
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.
|
Consumer Consent Provided |
Consent provided
|
|
1605401
|
2015-10-14
|
False statements or representation
|
Debt collection
|
|
Issue |
False statements or representation
|
Timely |
Yes
|
Company |
Associated Credit Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Attempted to collect wrong amount
|
Sub Product |
Other (i.e. phone, health club, etc.)
|
Date Received |
2015-10-14
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
Yes
|
Date Sent To Company |
2015-10-14
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Consumer Consent Provided |
Consent not provided
|
|
1652765
|
2015-11-12
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
Issue |
Cont'd attempts collect debt not owed
|
Timely |
Yes
|
Company |
Associated Credit Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt was paid
|
Sub Product |
Other (i.e. phone, health club, etc.)
|
Date Received |
2015-11-12
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
Yes
|
Date Sent To Company |
2015-11-12
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Consumer Consent Provided |
Consent not provided
|
|
597006
|
2013-11-13
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
Issue |
Cont'd attempts collect debt not owed
|
Timely |
Yes
|
Company |
Associated Credit Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt was paid
|
Sub Product |
Other (i.e. phone, health club, etc.)
|
Date Received |
2013-11-13
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
Yes
|
Date Sent To Company |
2013-11-13
|
Consumer Consent Provided |
N/A
|
|
10634308
|
2024-10-30
|
False statements or representation
|
Debt collection
|
|
Issue |
False statements or representation
|
Timely |
Yes
|
Company |
Associated Credit Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Attempted to collect wrong amount
|
Sub Product |
I do not know
|
Date Received |
2024-10-30
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-10-30
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Consumer Consent Provided |
Consent not provided
|
|
10632340
|
2024-10-30
|
Communication tactics
|
Debt collection
|
|
Issue |
Communication tactics
|
Timely |
Yes
|
Company |
Associated Credit Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Frequent or repeated calls
|
Sub Product |
Other debt
|
Date Received |
2024-10-30
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-11-04
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Consumer Consent Provided |
Consent not provided
|
|
2937703
|
2018-06-15
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
Associated Credit Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt is not yours
|
Sub Product |
I do not know
|
Date Received |
2018-06-15
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2018-06-15
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Consumer Consent Provided |
Consent not provided
|
|
2792813
|
2018-01-24
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
Associated Credit Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt was paid
|
Sub Product |
Other debt
|
Date Received |
2018-01-24
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2018-01-24
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Complaint What Happened |
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
|
Consumer Consent Provided |
Consent provided
|
|
2947006
|
2018-06-26
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
Associated Credit Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt was result of identity theft
|
Sub Product |
Other debt
|
Date Received |
2018-06-26
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2018-06-26
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Complaint What Happened |
A utility bill was placed in my name fraudulently. I spoke with company representatives several times over course of few weeks. This was about between XX/XX/XXXX-XX/XX/XXXX. Eventually they ask me to pay debt, {$100.00}, and they would notify gas company and then remove collection from my credit files. But after I did, the supervisor did not honor this promise and was rude about it. They did nothing to rectify situation even after debt was now paid and refused to remove collection, which I told them was not mine. I have been disputing this information for a long time now with the credit bureaus but the collection company just keep updating it.
|
Consumer Consent Provided |
Consent provided
|
|
10164348
|
2024-09-18
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
Associated Credit Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt is not yours
|
Sub Product |
I do not know
|
Date Received |
2024-09-18
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-09-18
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Consumer Consent Provided |
Consent not provided
|
|
7141756
|
2023-06-21
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
Associated Credit Services, Inc.
|
Product |
Credit reporting, credit repair services, or other personal consumer reports
|
Sub Issue |
Information belongs to someone else
|
Sub Product |
Credit reporting
|
Date Received |
2023-06-21
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2023-06-21
|
Consumer Consent Provided |
Consent not provided
|
|
7236535
|
2023-07-11
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
Associated Credit Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt was result of identity theft
|
Sub Product |
Other debt
|
Date Received |
2023-07-11
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2023-07-11
|
Consumer Consent Provided |
Consent not provided
|
|
10707360
|
2024-11-06
|
Written notification about debt
|
Debt collection
|
|
Issue |
Written notification about debt
|
Timely |
Yes
|
Company |
Associated Credit Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Didn't receive notice of right to dispute
|
Sub Product |
Other debt
|
Date Received |
2024-11-06
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-11-06
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Consumer Consent Provided |
Consent not provided
|
|
9072186
|
2024-05-22
|
Attempts to collect debt not owed
|
Debt collection
|
|
Tags |
Older American
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
Associated Credit Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt is not yours
|
Sub Product |
Other debt
|
Date Received |
2024-05-22
|
Submitted Via |
Phone
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-05-22
|
Consumer Consent Provided |
N/A
|
|
8374558
|
2024-02-19
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
Associated Credit Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt was paid
|
Sub Product |
Other debt
|
Date Received |
2024-02-19
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-02-19
|
Consumer Consent Provided |
Consent not provided
|
|
8105280
|
2024-01-04
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
Associated Credit Services, Inc.
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Information belongs to someone else
|
Sub Product |
Credit reporting
|
Date Received |
2024-01-04
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-01-04
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Consumer Consent Provided |
Consent not provided
|
|
8722546
|
2024-04-08
|
Written notification about debt
|
Debt collection
|
|
Issue |
Written notification about debt
|
Timely |
Yes
|
Company |
Associated Credit Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Didn't receive notice of right to dispute
|
Sub Product |
Other debt
|
Date Received |
2024-04-08
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-04-08
|
Complaint What Happened |
I am writing to dispute the presence of a {$1900.00} debt that I have been recently notified about on my consumer report. According to my report, there is an account listed under Assoc Credit Services for which I am allegedly responsible. I want to emphasize that I have no knowledge of this debt, and I did not have the opportunity to dispute it before it appeared on my consumer report.
|
Consumer Consent Provided |
Consent provided
|
|
8354268
|
2024-02-15
|
Written notification about debt
|
Debt collection
|
|
Issue |
Written notification about debt
|
Timely |
Yes
|
Company |
Associated Credit Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Didn't receive notice of right to dispute
|
Sub Product |
Telecommunications debt
|
Date Received |
2024-02-15
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-02-15
|
Consumer Consent Provided |
Consent not provided
|
|
8788722
|
2024-04-16
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
Associated Credit Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt is not yours
|
Sub Product |
Other debt
|
Date Received |
2024-04-16
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-04-16
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Consumer Consent Provided |
Consent not provided
|
|
8287482
|
2024-02-05
|
False statements or representation
|
Debt collection
|
|
Issue |
False statements or representation
|
Timely |
Yes
|
Company |
Associated Credit Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Attempted to collect wrong amount
|
Sub Product |
Telecommunications debt
|
Date Received |
2024-02-05
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-02-05
|
Consumer Consent Provided |
Consent not provided
|
|
7670569
|
2023-10-10
|
Written notification about debt
|
Debt collection
|
|
Issue |
Written notification about debt
|
Timely |
Yes
|
Company |
Associated Credit Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Didn't receive notice of right to dispute
|
Sub Product |
Other debt
|
Date Received |
2023-10-10
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2023-10-10
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Complaint What Happened |
On XX/XX/2023 I received alert notification from XXXX that Assoc Credit Services XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX placed colletion status on all XXXX Credit Bureau. I never received a letter/notice from XXXX XXXX & Assoc Credit Services about the debit. The fair Debit Collection Practice Act states that a Debit Collector before report to the Credit Reporting agencies.
It must complete the following steps ; 1. Speak to you by telephone or in person about debit 2. Mail a letter or send a electronic communication about the debit and wait about 14 days to get a response.
Assoc Credit Services failed to follow the law. It not a mistake. Associated Credit Services did it intentionally.
|
Consumer Consent Provided |
Consent provided
|
|
6622043
|
2023-02-28
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
Associated Credit Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt is not yours
|
Sub Product |
I do not know
|
Date Received |
2023-02-28
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2023-02-28
|
Consumer Consent Provided |
Consent not provided
|
|
6978142
|
2023-05-15
|
Written notification about debt
|
Debt collection
|
|
Issue |
Written notification about debt
|
Timely |
Yes
|
Company |
Associated Credit Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Didn't receive enough information to verify debt
|
Sub Product |
I do not know
|
Date Received |
2023-05-15
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2023-05-15
|
Consumer Consent Provided |
Consent not provided
|
|