ACCELERATED COLLECTION SERVICE

In response to Mr [redacted] complaint, ACS, Inctakes great pride in abiding by and adhering to all local, state and federal laws, rules and regulations that govern the collections industryI 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, to [redacted] St Renton, WA 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 readObviously 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 themThe FDCPA clearly states that we have the right to call and speak to the debtor and their spouse about the accountsDuring the first contact, then if we are told to stop calling a certain number, or anyone involved in the account, we abide by that wishAlso, 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 WashingtonWe 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 matterNow 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 anyoneWe don’t have toThey will either pay their account now, or laterIt 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 attitudeWhat would the point be? ACS, Incis very matter of factWe work with hundreds of people on a daily basis with arrangementsWe’re very happy to, provided they treat us with respect, just as we do them otherwise the conversation is overWhat 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 familyHe may send the balance of his account if he choosesHowever, that is entirely up to him As for ACS, Incand its legitimacy is concernedMr [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

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 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 placeBut that is not the issueLet me get this straightYour issue is with ACS, Incand 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 halfAm 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, Incis well within their rights to charge this amount and are not under any obligation to waive any portion thereofThe 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 $is beyond what we are required to do ACS, Incis 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 issuesWe take pride in abiding by and adhering to all Local, state and governmental collection rules, regulations and lawsBy 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 aloneACS, Incwill not be bullied, threatened or otherwise intimidated so that you can get what you wantIf you want to take us up on the $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

The account Mr [redacted] refers to, originated with [redacted] on 9-11-We did not report the account for several months after thatMr [redacted] made a final payment on 1-29-which closed the accountACS, Increported his account [redacted] on 2-17-as a ZERO balance Once we have done that, it is for the most part out of our handsWhen Mr [redacted] called, we gave him the details as stated here and advised he contact [redacted] follow upThis is what [redacted] has advised we do if the account has already been reportedWe also provided Mr [redacted] with a letter stating the account had been paid and reported as ZERO He seemed satisfied at that pointIf we reported his account as ZERO once he paid itHow 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 updatedWe are called frequently by *** to verify the info [redacted] ***

Ms [redacted] , Due to the medical nature of the bill we do not include itemization of the charges with our noticesThis is done to remain complaint with HIPAA guidelines and regulationsThe 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-Fair Debt Collection Practices Act Unless you notify this office within days after receiving this notice that you dispute the validity of this debtor or any portion thereof, this office will assume this debt is validIf you notify this office in writing within days from receiving this notice, this office will: Obtain verification of the debt or obtain a copy of a judgment or verificationIf you request this office in writing within 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 threatAs 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 debtPlease note, this debt has not been reported to your credit as of January 28, Our office received this account on December 31, Since that date our office has only made three calls to youTwo calls to the residential number you provided our client and one to your place of employmentWhen 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 availableThe nature of the call was not disclosed nor was the employee asked to help them collect the debtIt 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 employmentWe 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 employmentThe 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 itemizationThe itemization was mailed to your home on January 26, The FDCPA allows us days to comply with your requestWe apologize if there was a misunderstanding on our end if you wanted electronic itemizationPlease 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

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, 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] ***

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] ***