CFPB Complaint

Associated Credit Services, Inc. – CFPB Complaint ID 2786730

Consumer Complaint Submission

Date Received: 2018-01-19T00:00:00

Product: Other debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer 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: Associated Credit Services, Inc.

State/Zip: ND 581XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2786730

The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.

Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.

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In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.

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