|
3228128
|
2019-04-30
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Account Control Technology, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Federal student loan debt
|
| Date Received |
2019-04-30
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-04-30
|
| Company Public Response |
Company can't verify or dispute the facts in the complaint
|
| Consumer Consent Provided |
N/A
|
|
|
1008878
|
2014-08-30
|
Taking/threatening an illegal action
|
Debt collection
|
|
| Issue |
Taking/threatening an illegal action
|
| Timely |
Yes
|
| Company |
Account Control Technology, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to/Collected exempt funds
|
| Sub Product |
Non-federal student loan
|
| Date Received |
2014-08-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-09-03
|
| Consumer Consent Provided |
N/A
|
|
|
1853402
|
2016-03-28
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Account Control Technology, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
Federal student loan
|
| Date Received |
2016-03-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-03-28
|
| Company Public Response |
Company believes complaint is the result of an isolated error
|
| Complaint What Happened |
I was speaking a a XXXX XXXX about entering a debt rehabilitation program. I was explaining that I had no means to repay the debt at the moment but would appreciate if they could stop calling. I was later transferred to a supervisor named XXXX, she explained that this was a Federal loan and it had to be paid. She battologized the word " Federal ''. I explained to her that I have XXXX and the calls have been XXXX, that I would appreciate if they could lower the volume of the calls and I would pay the debt as soon as possible when I gain employment. She asked me for my debit card information and told me to speak with my family about helping me repay this debt without listening to me explain that I do n't have financial support at this moment. This incident left me scared, anxious and triggered a XXXX in me.
|
| Consumer Consent Provided |
Consent provided
|
|
|
938125
|
2014-07-15
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Account Control Technology, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
Federal student loan
|
| Date Received |
2014-07-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2014-07-15
|
| Consumer Consent Provided |
N/A
|
|
|
588507
|
2013-11-06
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Account Control Technology, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2013-11-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2013-11-06
|
| Consumer Consent Provided |
N/A
|
|
|
2057870
|
2016-08-10
|
Can't repay my loan
|
Student loan
|
|
| Tags |
Older American
|
| Issue |
Can't repay my loan
|
| Timely |
Yes
|
| Company |
Account Control Technology, Inc.
|
| Product |
Student loan
|
| Sub Issue |
Can't decrease my monthly payments
|
| Sub Product |
Federal student loan servicing
|
| Date Received |
2016-08-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-08-12
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
The borrower, XXXX XXXX, had agreed to XXXX loans on behalf of his daughter, XXXX, and it would appear that payments were not made timely so the matter was referred to a third party debt collector, Account Control Technology , Inc. ( " ACT '' ). ACT has claimed that it has acted on behalf of XXXX XXXX XXXX XXXX XXXX, the creditor. ACT has more than doubled the debt by adding to the loan principal, without explanation, and adding a collection fee which equals more than XXXX third of the amount which XXXX XXXX has appeared to borrow. We have asked for substantiation and clarification, and received no response. Out letter to ACT, with exhibits, is annexed.
Meanwhile, ACT has served a notice of garnishment upon XXXX XXXX 's employer based upon the inflated amount being demanded and ACT has ignored our demands to refrain from collection activity until we can clarify the matter, as requested.
We are seeking your assistance since it would appear that ACT has unlawfully increased, perhaps doubled, the amount of any sum which XXXX XXXX has borrowed, and they are trying to use Federal Regulations to their advantage, to try and collect an amount which is not lawfully due.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2489060
|
2017-05-19
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Account Control Technology, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Other debt
|
| Date Received |
2017-05-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-05-19
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
Accou nt Control Technology, INC. ACT i s trying to collect a junk debt. This debt also failed validation With another collection agency called XXXX XXXX XXXX , whom failed to provide validation in XXXX . Moreover, validation was sent today in the mail and ACT failed to respond to my complaint with the Better Business Bureau Complaint ID # : XXXX . In addition, Account Control Technology called me on XXXX / XXXX / XXXX from the number XXXX telling me to " make payments '' This also violates the FDCPA ( Fair Debt Collection Practice Act ) by failing to mention offering validation.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1895733
|
2016-04-25
|
Dealing with my lender or servicer
|
Student loan
|
|
| Issue |
Dealing with my lender or servicer
|
| Timely |
Yes
|
| Company |
Account Control Technology, Inc.
|
| Product |
Student loan
|
| Sub Issue |
Trouble with how payments are handled
|
| Sub Product |
Federal student loan servicing
|
| Date Received |
2016-04-25
|
| Submitted Via |
Phone
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-04-27
|
| Company Public Response |
Company believes the complaint is the result of a misunderstanding
|
| Consumer Consent Provided |
N/A
|
|
|
3409080
|
2019-10-17
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Account Control Technology, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
I do not know
|
| Date Received |
2019-10-17
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-10-17
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
N/A
|
|
|
5150903
|
2022-01-26
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Account Control Technology, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-01-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-02-08
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.
( ACCOUNT CONTROL TECHNO Original creditor : XXXX UNIVERSITY XXXX Date opened XX/XX/2020 Balance {$0.00} )
|
| Consumer Consent Provided |
Consent provided
|
|
|
3399664
|
2019-10-08
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Account Control Technology, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Used obscene, profane, or other abusive language
|
| Sub Product |
Private student loan debt
|
| Date Received |
2019-10-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-10-08
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Account Control Technology , Inc., has not honored my cease and desist telephone communications requests. Several times inXX/XX/2019, specifically, XX/XX/XXXX, and XX/XX/XXXX, I had rather intimidating and belittling phone calls with a representative ( Id # XXXX ), who used demeaning and aggressive language towards me. On one of the calls, she instructed me to get a prepaid card ( on which I would accrue monthly fees ) in order to make a payment and when I asked her if there were any other options available to me, she reiterated that if I did not make a payment within 30 days of receiving the notice of wage withholding, my wages would be garnished through an administrative garnishment.
Under the threat of an administrative garnishment, not having the money, feeling belittled by ACT, and based on the threatening and condescending manner with which they spoke to me, I purchased a prepaid card in order to make the payment and enter into an arrangement for subsequent monthly deductions from the card. ACT collected money from me in order to execute the agreement. However, on the same day that I made the payment, prior to providing ACT with my card information, I requested that they provide me proof that I owe the debt because I could not find documentation it based on a review of my personal records.
Today, XX/XX/2019, I again received several calls from a number that ACT called from on XX/XX/2019. On the XX/XX/2019, call, I told the representative that I requested that they stop calling me a few months ago and that I only wanted letter communications. Also, today XX/XX/2019, ACT sent me an email about the debt. It has become unbearable.
Also, I spoke with XXXX, the federal student loan servicer, to ask if ACT was collecting on their behalf and the XXXX representative said " no, '' which increased my suspicion of ACT. ACT began each call with me by stating that " they've been hired by XXXX '' to collect, which caused me a lot of stress.
I ask that all the calls connected to the account on which ACT is attempting to collect be reviewed. In those calls, you'll find evidence that : - I requested that ACT not call me ; - My communications with ACT reps were abusive ; - ACT reps deceptively represented to me that they were hired by XXXX to collect the debt ; - ACT used the threat of garnishment to take a payment from me before providing me proof that I owned the loan ; and - ACT may have committed other violations of consumer protection laws and infringed on any rights granted to me under those laws.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3395710
|
2019-10-04
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Account Control Technology, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Private student loan debt
|
| Date Received |
2019-10-04
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-10-07
|
| Company Public Response |
Company believes complaint caused principally by actions of third party outside the control or direction of the company
|
| Consumer Consent Provided |
N/A
|
|
|
1035270
|
2014-09-18
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Account Control Technology, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was discharged in bankruptcy
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2014-09-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-09-22
|
| Consumer Consent Provided |
N/A
|
|
|
2091129
|
2016-08-31
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
Account Control Technology, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Not given enough info to verify debt
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2016-08-31
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-10-03
|
| Company Public Response |
Company believes complaint caused principally by actions of third party outside the control or direction of the company
|
| Consumer Consent Provided |
N/A
|
|
|
2228514
|
2016-11-29
|
Dealing with my lender or servicer
|
Student loan
|
|
| Issue |
Dealing with my lender or servicer
|
| Timely |
Yes
|
| Company |
Account Control Technology, Inc.
|
| Product |
Student loan
|
| Sub Issue |
Received bad information about my loan
|
| Sub Product |
Federal student loan servicing
|
| Date Received |
2016-11-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-12-13
|
| Company Public Response |
Company believes complaint is the result of an isolated error
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3758055
|
2020-07-22
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Account Control Technology, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2020-07-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-07-22
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
ACT and I agreed on a settlement offer on an account to pay 50 % of an account and for that to be accepted as full payment. I have attached the letter that ACT sent to me with the offer terms. I made that payment over the phone following receiving a written commitment from the ACT. On the phone, the person I spoke to confirmed that the payment would be accepted as a settlement.
However, Account Control Technologies has been reporting incorrect information to the credit bureau for the last two months and as such has been violating my consumer rights. When made aware of this when I filed a dispute with the credit bureaus, account control technologies doubled down on this infringement of my rights and DECLINED to fix the information that they are reporting incorrectly, and falsely claimed that the information reported was accurate. I have attached the results from XXXX where ACT falsely states that the amount being owed is correct I am demanding the ACT swiftly correct all information being reporting to the credit bureaus including the following : Account type change from open to closed Balance change from {$3000.00} to XXXX Past Due change from {$3000.00} to XXXX This account is paid and full based on the terms in the letter attached bearing account control technology logo and address. As such this company needs to fix my credit report with all credit reporting agencies immediately.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3809086
|
2020-08-22
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Account Control Technology, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
I do not know
|
| Date Received |
2020-08-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-08-22
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4398470
|
2021-05-22
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Account Control Technology, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
I do not know
|
| Date Received |
2021-05-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-05-22
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3751330
|
2020-07-17
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Account Control Technology, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
I do not know
|
| Date Received |
2020-07-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-07-17
|
| Company Public Response |
Company believes complaint caused principally by actions of third party outside the control or direction of the company
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2823931
|
2018-02-23
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Account Control Technology, 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 |
2018-02-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-02-23
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I have Multiple inquiries on my credit account that i did not personally apply for, i have gone through a credit repair service as well as reached out to these companies myself and was unable to get anything to change
|
| Consumer Consent Provided |
Consent provided
|
|
|
1401393
|
2015-06-02
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Account Control Technology, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Impersonated an attorney or official
|
| Sub Product |
I do not know
|
| Date Received |
2015-06-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2015-06-18
|
| Company Public Response |
Company disputes the facts presented in the complaint
|
| Complaint What Happened |
On XXXX/XXXX/15, several XXXX employees from Account Control Technology contacted elderly relatives from my extended family at ( XXXX ) XXXX. They claimed to work for the US government, which was a lie. They worked for a company called Account Control Technology. In addition to making false threats, this fraudulent company sent me a virus and impersonated US government officials over the telephone in violation of the Fair Debt Collection Practices Act and the Fair Billing Credit Act. I am the victim of identity theft and grand larceny. This fraudulent company stole my identity electronically.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3815735
|
2020-08-26
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Account Control Technology, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Private student loan debt
|
| Date Received |
2020-08-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-08-26
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
