Access Capital Services, Inc.

*** *** ID# This account was settled by our client Grants Air Conditioning for the principal balance owed, and Access Capital Services agreed to remove this from Mr*** credit reportAs for my statement on rude behavior was the information I received from Grants Air ConditioningI do know Access has no authority to settle on any money owed our clientWe can and do settle on the interestThis account has been cleared and a request has been sent to the reporting agencies to remove this from his report Peggy Burden Operations Manager Access Capital Services

(The consumer indicated he/she DID NOT accept the response from the business.)
Access Capital has NEVER responded to any communication regarding this moneyI resent the inference that they even suggest that, "they have tried to explain...." Never, not once with this entire January-April period
ever discuss the issue with meOur communication was limited to, "we were assigned this debt, we no longer have the account and are providing the underwriter the needed documentation to prove it." Who are they kidding? I will plan another trip to Fresno, unfortunately, to meet with Educational Employees Credit UnionLying in regards to communicating with me to the Revdex.com will not go unchallenged, Access CapitalYour organization was NOT even on my credit report because your organization is weak, at best, in providing the consumer timely information, required by law, on credit reportingYour company policy of fabricating ANY communication to me in multiple attempts plus your failure to abide by credit reporting laws will be my top priorityYou have lied to the wrong consumer

We have requested this info from Family HealthCare Network twice and have had no response nor have we received the info to forward to Ms ***We did request this to be removed from the credit report on 8-24-with Audit Control # 8*** We have no control on how long it takes the Credit Bureaus to update their recordsI will place another request today to submit the 2nd request to remove thisAs soon as the info is received from Family we will forward this info to her

On 2/22/2010 Educational Employees Credit Union assigned an account to our office. We answered a demand for payoff of this account. We received the payment and cleared the account owed to Educational Employees Credit Union on 3-23-2016. Access Capital Services forwarded this money to our client in April 2016 to clear the debt that was owed them. We have tried to explain this to Mrs Garriott. This money cleared a debt owed to Educational Employees Credit Union which was due them since 2009.

I am rejecting this response because:I never said that I had already paid the account. I told the company to send me an invoice of the charges that they claim that I owe. They never sent anything regarding the account to me to validate their claim. They also claim that their company does not report accounts that are $50.00 or less, but they reported this account and it has effected my credit. I refuse to be scammed.

I am rejecting this response because:
I initially mailed a certified letter to Access on the 5th of March, 2017. It was returned to me. I then mailed out a second letter as well. In the meantime, I contacted Grant's and spoke to the office manager. I explained the situation, NICELY. I explained, I lost my house, my job, and got divorced...one after another. I explained I was attempting to get my life back together. I told her I was willing to pay the bill and asked her if she could pull it back from Access as I am trying to get all my past bills taken care of as I can. I explained that basically I attempting to have it removed from my credit report. She told me she did not know if she could do that. I replied that all she needed to do was call Access and ask them to return it to Grant's and ask them to discontinue reporting it to the credit bureau's. Basically, to do a pay in full for deletion.She assured me she would look into it and get back to me. Approximately 5 weeks later, I called back and asked to speak to the office manager again. I spoke to her and she was very vague and had no answer for me...I explained it all again NICELY. She once again assured me she would "look into it" and get back to me. Once again, I waited approximately a month or so and called back again. In this instance, I asked to speak to the office manager again and was told she wasn't available. The young lady was not going to let me talk to her if she was there and asked me what it was concerning. I reluctantly explained the situation at which point she told me nothing could be done. I had the feeling she knew something about it and had no intention of me speaking to the office manager. At this point, I lost my temper and said a few things I shouldn't have. So, I did try to resolve it with the original company NICELY.In the meantime, as Access claims I did dispute it with them. In addition I called and tried to work it out with them. They han no intention of helping me at all. I sent a letter asking for Validation of the debt. Access sent a copy of the original invoice I signed with Grant's for the amount of $359.00. However, on my credit report, they are reporting $743.00  as the balance owed. Absolutely no information regarding the difference. As far as I am concerned, they did not Validate the information on my request. In addition, I also informed them that a lawyer for the Federal Trade Commision John F LeFevre issued an opinion letter that stated "a printout of a bill or itemized document does not constitute documentation". They did not respond to this...Needless to say, they did not respond to the quoted Supreme Court ruling I also included. At this point, I am still willing to negotiate a payment for deletion either with Grant's or with Access Capital. If that does not come to fruition, I will be moving on to other options, up to taking them to small claims court. I REJECT and DISPUTE this claim and believe that Access Capital is not following Federal Law. I am prepared to move to the next phase in this as needed. I think it will be best for all parties involved if we can come to a quick resolution of this. [redacted]

Initial Business Response /* (1000, 5, 2016/06/24) */
Contact Name and Title: [redacted] Op Manager
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@acscollectors.com
We were contacted by Ms [redacted] and she requested proof of what this was for. This information is not something we are given...

upfront due to HIPAA violations. We requested this info from El Dorado Ambulance and the information has been mailed to Ms. [redacted]. As for Access Capital Services we have been in business for 27 years and just recently moved from Visalia to Fresno California. We are not ACS from Florida. Once Ms [redacted] receives the information she can contact our office for any further questions.

CUSTOMER INFORMATION[redacted]Revdex.com COMPLAINT ID #12198904On 4/13/2017 we received a dispute letter from Mr. [redacted] stating the same information in his complaint. We flagged the account as disputed and requested the supporting documentation from our Client (Grants Air Conditioning).4-13-2017 this...

account was flagged as disputed on the credit report pending information from Grants Air Conditioning.On 4/17/2017 we received the documentation and mailed all info to the address listed on his dispute letter, (copy attached)On 5/5/2017 we received another dispute letter from Mr. [redacted] we did verify that this account is reporting as disputed on his credit report.On 5/30/2017 we received info from Grants that Mr. [redacted] had contacted them in April very upset because they sent the account to collections. They told him they would work with him to get this cleared but he had ignored the invoices. He had a few rude things to say and hung up.I have attached the info provided to Mr. [redacted]Thank youPeggy Burden Operations ManagerAccess Capital Services

We did have a conversation with [redacted] on 3-16-16 in which she informed us she did not owe this and she stated she would contact Family HealthCare and talk to them. Never were we ask to validate the services received. We have attempted to contact her 3 additional times to follow up with no...

contact made. Do to HIPAA we are not given the service information at the time the accounts are assigned. We have requested this info from Family HealthCare and will forward to her as soon as it arrives.