Accelerated Collection Service, Inc.

In response to Ms*** complaint, if she would like to call our office on Monday to discuss this issue with the collector she had originally set this up with, I'm sure we can get this straitened out.Instead of going into who did what and who said what as it will only end in further bad blood,
she may call the office and resolve the issue.I will say this, as a collection agency that relies on collecting money, it would not do us much good to simply disallow people from paying their accounts, now would it?

Ms. [redacted],
Due to the medical nature of the bill we do not include itemization of the charges with our notices. This is done to remain complaint with HIPAA guidelines and regulations. The bottom of your first notification includes the following information so you may...

obtain more information than what is given in the statement:
Public Law 95-109 Fair Debt Collection Practices Act
Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debtor or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days from receiving this notice, this office will: Obtain verification of the debt or obtain a copy of a judgment or verification. If you request this office in writing within 30 days after receiving this notice, this office will provide you with the name and address of the original creditor, if different from the current creditor.
To address the concerns regarding your credit, we apologize if you felt it was a threat. As a company policy, we instruct our collectors to educate consumers that we are a data furnishing agency (meaning we report to the credit bureau, Transunion) we want consumers to make an educated decision about the priority of the debt. Please note, this debt has not been reported to your credit as of January 28, 2016.
Our office received this account on December 31, 2016. Since that date our office has only made three calls to you. Two calls to the residential number you provided our client and one to your place of employment. When our collector spoke to a woman at your place of employment, they were told you were out of the office and the collector left your account # and our phone number for you to call back when you were available. The nature of the call was not disclosed nor was the employee asked to help them collect the debt. It is permissible to contact your place of employment under the FDCPA however, communication must cease if you inform an agency you would not like calls placed to your place of employment. We spoke with you on January 25, 2016, at that time you advised our agency you did not wish to be contacted at your place of employment. The collector updated your place of employment contact info with "no calls". Our records indicate no further calls have been placed to your place of employment.
Our agency received an email from you on January 25, 2016, requesting a copy of the itemization. The itemization was mailed to your home on January 26, 2016. The FDCPA allows us 30 days to comply with your request. We apologize if there was a misunderstanding on our end if you wanted electronic itemization. Please let us know if either by email or by phone if you would like this information sent electronically and we will be happy to comply with your request.
We hope our agency has addressed your concerns.
Sincerely,
Diana H[redacted] VP / Partner of ACS, Inc.

Mr. [redacted] rejects our response? Oh, I’m sorry to hear that. I have a feeling however, that unless Mr. [redacted] get’s exactly what HE wants, that this is a futile effort.
 
We have done everything the law dictates and have no regrets for anything that was done.
 
As for Mr. [redacted] berating and insulting ACS, Inc., that is absolutely his right, I suppose… But on the same token, it is our right not to listen to it any longer…
 
Good luck!
 
 
Ron M[redacted]
 
VP of Operations

The account Mr. [redacted] refers to, originated with [redacted] on 9-11-2013... We did not report the account for several months after that. Mr. [redacted] made a final payment on 1-29-2015 which closed the account. ACS, Inc. reported his account [redacted] on 2-17-2015 as a ZERO balance....

Once we have done that, it is for the most part out of our hands. When Mr. [redacted] called, we gave him the details as stated here and advised he contact [redacted] follow up. This is what [redacted] has advised we do if the account has already been reported. We also provided Mr. [redacted] with a letter stating the account had been paid and reported as ZERO.  He seemed satisfied at that point. If we reported his account as ZERO once he paid it. How is it we reported it incorrectly?If we had reported it as ZERO how is it our fault????We have no control over what [redacted] chooses to do and absolutely no control how they report their accounts....Once we have reported an account as ZERO, we cannot report it again? It is done, out of our hands, etc....It is a very simple process for consumers to call [redacted] and have their files legitimately reported or updated... We are called frequently by [redacted] to verify the info... [redacted]

In response to Mr. [redacted] complaint, ACS, Inc. takes great pride in abiding by and adhering to all local, state and federal laws, rules and regulations that govern the collections industry. I can assure you that these were all followed.
 
As such, we have computer documented proof...

that once Mr. [redacted] account was turned over to us for collections, a notice advising him of his rights under the FDCPA was sent the very same day, June 6, 2015 to [redacted] St…Renton, WA 98059 which was the last known address on his file.
 
Again, as we follow all laws, our notices are very vague and at times mistaken as junk mail and thrown away before being read. Obviously I am not alluding to the fact that is what happened in this case, but has in the past.
 
As a courtesy, we place calls to the phone numbers provided us on the file in an attempt to as a courtesy, advise that an account has been placed in collections to give people an opportunity to take care of them. The FDCPA clearly states that we have the right to call and speak to the debtor and their spouse about the accounts. During the first contact, then if we are told to stop calling a certain number, or anyone involved in the account, we abide by that wish. Also, regardless of whether it is fair, right or otherwise, a spouse can legally be held financially responsible for any debt incurred by the other in the state of Washington. We don’t make the laws, we simply abide by them.
 
As this was the very first attempt at contact, we had never been told not to call Mr. [redacted] wife, or anyone for that matter. Now that Mr. [redacted] has in no uncertain terms made his wishes clearly known, I can assure you that he will never again receive a phone call from our office directly.
 
Also, it is never our intent to bully, intimidate or harass anyone. We don’t have to. They will either pay their account now, or later. It really is up to them… What is funny is that Mr. [redacted] never even gave Courtney the opportunity to say much of anything other than, ACS, Inc. & [redacted] before he immediately went into his bullying and harassing speech… At that time Courtney did exactly as she is trained to do.
Apologize for her inability to help him, wish him a nice day and end the call… My staff is in no way to carry on an argument, antagonize or give attitude. What would the point be? ACS, Inc. is very matter of fact. We work with hundreds of people on a daily basis with arrangements. We’re very happy to, provided they treat us with respect, just as we do them otherwise the conversation is over. What is important to understand in this case, is that payments are a courtesy and not a requirement by law… Obviously anything sent in will be credited to an account, but we are certainly not bound by law to give payment arrangements.
 
As I said previously, we will not be calling Mr. [redacted] or any member of his family. He may send the balance of his account if he chooses. However, that is entirely up to him.
 
As for ACS, Inc. and its legitimacy is concerned. Mr. [redacted] obviously found us on the Revdex.com, other wise I would probably not be answering this right now!
 
With the utmost respect,
 
Ron M[redacted]
 
VP of Operations

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted], and although this issue is not resolved by the party who initiated the correspondence with **, I reluctantly find that this resolution is satisfactory to me. Sincerely, [redacted]

Complaint: [redacted]I am rejecting this response because:
I have never received any correspondence in the mail from this business.  It is evident by their own response that they use poor business practices, June 6th, 2015 was a Saturday, they called me on the following Tuesday, what is the likelihood that this piece of non-descript mail would have actually arrived at my house?  Additionally, this again is proof, they are sending mail which is not return receipt or certified in any way and as indicated by their own response looks like junk mail, so they intentionally continue this practice.  Yes, I am upset with the methods this business uses, they have not made a legitimate attempt at contacting me, the person who incurred the debt, they didn't contact me by mail as of yet, they didn't send me an email, only made one phone call to me and one phone call to my wife, they left a message which I responded to.  I did not ask them to not contact me, I asked them to not contact my wife, that I am the responsible party and they should be talking to me, Courtney wanted to argue the point just as in the email, Washington is a community property state, and should you need to pursue a lawsuit in the court of law then you would be entitled to add her name to the suit, until then, you can consider this your written notice to not contact my wife in writing or by phone.
It is also evident by the response, that they are a less than reputable company, never once did I state that they should not contact me only my wife, yes I am upset they contacted my wife, I only received one call, and yes, it is bully tactics and is insulting.  Based on their response, I believe that they do not intend on attempting to collect the money via regular means as a reputable business would, which is why they have stated they send a letter in the mail which is non-descript and looks similar to junk mail, and they will not again attempt to contact me, which is by their choice, this filing will be kept as evidence, that they have not made an honest attempt at contacting me, I have no idea who this company is or any understanding of how much was turned over to them or amount they are trying to recover.
Sincerely,[redacted]

Ms. [redacted],
First off, I'm really not sure what this has to do with the Revdex.com, but as you wish.
Secondly, this account stems from a visit to one of our clients back in 2012. As I know this client personally and have first hand knowledge of his willingness to allow easy to make payment...

arrangements, I'm really not sure why this account ended up in collections in the first place. But that is not the issue. Let me get this straight. Your issue is with ACS, Inc. and the fact that we won't allow you to pay what you want on a delinquent account that has been in collections for over a year and a half. Am I right?
Ms. [redacted], as [redacted] state collection law dictates, " accounts turned over to collections will be subject to an interest rate of 12% per annum from the date of service", ACS, Inc. is well within their rights to charge this amount and are not under any obligation to waive any portion thereof. The fact that after the very minimal conversations we have had with you over this account have resulted in our being treated unfairly and rudely, but still willing to discount your account $10.00 is beyond what we are required to do.
ACS, Inc. is very well known by thousands of consumers we have worked with to be fair, accommodating and at times willing to go beyond the norm to help people in their collection issues. We take pride in abiding by and adhering to all Local, state and governmental collection rules, regulations and laws. By refusing to discount your delinquent account, we have broken or gone against any laws that we are aware of.
Lastly, your decision to pay this account or not, is entirely your decision and your decision alone. ACS, Inc. will not be bullied, threatened or otherwise intimidated so that you can get what you want. If you want to take us up on the $10.00 discount, it will be made available to you for a short period of time, and then taken off the table as these offers are in no way open ended.

Complaint: [redacted]I am rejecting this response because:
Who would accept that response?  It is obvious that this business is not legitimate,
I will let their response speak for itself.  As I indicated in my response, I never asked them to not contact me, only my wife.  I am sure they are counting on their notice that will come in the mail which they admitted looks like Junk mail, will go un-noticed so that they can collect additional late penalties and fees.
Any legitimate business would have made an honest attempt to contact me directly and take care of this before exercising their right to find alternate means to getting a response from me.
As long as they continue to behave and respond in this manner, I will never accept any response from them.Sincerely,[redacted]