Acme Credit Service

Initial Business Response / [redacted] (1000, 11, 2016/07/12) */ An account was referred to Acme Credit Service by [redacted] County EMS on 2/9/in the amount of for services rendered on 2/28/ Letters were sent to Mr [redacted] on 2/9/16, 3/11/16, 4/15/16, and 5/19/Attempts to contact by phone were made on 2/13., 2/25, 2/27, 3/1, 4/4, 4/11, and 5/There was no response from Mr [redacted] to our letters or our callsAll calls went to his voice mail and, consistent with privacy laws, we did not leave any messagesHowever, our number does appear correctly on caller ID On 6/14/16, we did receive an authorization via our website from Mr [redacted] to process a payment in the amount of using a credit cardThe problem with this payment was that the credit card account number given us was numbers; not Credit cards will not process without the entire number We attempted to call Mr [redacted] twice on 6/and once on 6/for clarificationBecause we were unable to reach him by phone, we sent a letter on 6/soliciting clarification On 6/30/15, after having no additional contact from Mr***, we sent our final letter to him letting him know that the account was in review to be sent to an attorneyYesterday we received a check in the amount of from Mr [redacted] with a short note saying he planned on sending weekly payments (no specifies provided)This is the only written communication received from Mr [redacted] other than the incomplete information provided on our website I suggest Mr [redacted] call us for a resolutionAs a course of business, we do work with people such as Mr [redacted] for arrangements that are mutually beneficial to retire debtsBut agreements require the participation of all parties and Mr [redacted] has been absent [redacted] Initial Consumer Rebuttal / [redacted] (3000, 13, 2016/07/14) */ (The consumer indicated he/she DID NOT accept the response from the business.) My apology for the mistake in the credit card numberthis is the first that I have heard of itIt was not even mentioned in the letterThe wording in the letter implied that I lied to them and did not make a payment as promisedIf they had told me that, I could have corrected itInstead they decided to threaten me (as they have done in all of their other letters)They have made repeated threats to ruin my credit and now to turn me in to a law firmThese kinds of letters do not make me want to talk with them on the phoneI want to make payments without having to talk to them or to listen to their threatsI have the right not to be harassed by this or any other businessAs for their calls, my caller ID only displays the number and not their name, so I am not always sure of who is calling and I never answer if I do not know who it isAlso, I do not feel as if their letters gave any indication that they were willing to work with me

Initial Business Response /* (1000, 11, 2016/07/12) */
An account was referred to Acme Credit Service by [redacted] County EMS on 2/9/16 in the amount of 426.13 for services rendered on 2/28/15.
Letters were sent to Mr. [redacted] on 2/9/16, 3/11/16, 4/15/16, and 5/19/16. Attempts to
contact by phone...

were made on 2/13., 2/25, 2/27, 3/1, 4/4, 4/11, and 5/19. There was no
response from Mr. [redacted] to our letters or our calls. All calls went to his voice mail and,
consistent with privacy laws, we did not leave any messages. However, our number does
appear correctly on caller ID.
On 6/14/16, we did receive an authorization via our website from Mr. [redacted] to process a
payment in the amount of 25.00 using a credit card. The problem with this payment was that the credit card account number given us was 11 numbers; not 12. Credit cards will not process without the entire number.
We attempted to call Mr. [redacted] twice on 6/14 and once on 6/15 for clarification. Because we were unable to reach him by phone, we sent a letter on 6/15 soliciting clarification.
On 6/30/15, after having no additional contact from Mr. [redacted], we sent our final letter to
him letting him know that the account was in review to be sent to an attorney. Yesterday
we received a check in the amount of 10.00 from Mr. [redacted] with a short note saying he planned on sending weekly payments (no specifies provided). This is the only written communication received from Mr. [redacted] other than the incomplete information provided on our website.
I suggest Mr. [redacted] call us for a resolution. As a normal course of business, we do work with people such as Mr. [redacted] for arrangements that are mutually beneficial to retire debts. But agreements require the participation of all parties and Mr. [redacted] has been absent.
[redacted]
Initial Consumer Rebuttal /* (3000, 13, 2016/07/14) */
(The consumer indicated he/she DID NOT accept the response from the business.)
My apology for the mistake in the credit card number. this is the first that I have heard of it. It was not even mentioned in the letter. The wording in the letter implied that I lied to them and did not make a payment as promised. If they had told me that, I could have corrected it. Instead they decided to threaten me (as they have done in all of their other letters). They have made repeated threats to ruin my credit and now to turn me in to a law firm. These kinds of letters do not make me want to talk with them on the phone. I want to make payments without having to talk to them or to listen to their threats. I have the right not to be harassed by this or any other business. As for their calls, my caller ID only displays the number and not their name, so I am not always sure of who is calling and I never answer if I do not know who it is. Also, I do not feel as if their letters gave any indication that they were willing to work with me.

On 11/28/2016, Acme Credit Service listed an account from [redacted] for [redacted] in the amount of $ 169.20. This was an invoice for the insurance deductible portion of the rental of an airway pressure device from use in February, March and April, 2016.Our first notice was sent...

on this account on 11/28/2016 to [redacted] which was the address provided by Client. Address service was requested and to date, there has not been a return or address change notice received.On 12/6/2016 at 5:56 PM, [redacted] called Mr. [redacted] concerning this balance due. She identified herself, her company, the Client to whom the balance was due and the amount due. She asked how he wanted to make a payment.He did not make payment or suggest a payment arrangement. he stated he would pay when he gets the money. As one of several talking points to give hi time to process information provided in the phone conversation, [redacted] suggested that if payment arrangements could not be made in a reasonable amount of time, it could ultimately go to an attorney for further handling which would add costs and that by making arrangements now, it would save him money. Mr. [redacted] indicated he worked for the police department and knew his rights. [redacted] advised that using the equipment and not paying for it was not a right. He asked [redacted] for her name and company which she provided and again asked for a payment. He dismissed the bill and stated he knew his rights. He also stated he worked for the police department and would ask the questions now. [redacted] asked which rights and was told "credit rights against collectors and harassment". [redacted] asked how he was being harassed and was told he was being threatened. [redacted] asked what she had said that was threatening and he giggled. [redacted] clarified that his response was he giggled and he said nothing further. [redacted] stated she had the information she needed and terminated the call.A supervisor, [redacted], was listening to [redacted]'s conversation with Mr. [redacted]. She noted it because it was not a typical conversation with a debtor.On 12/6/2016 at 6:01 PM, Mr. [redacted] called the main office number and left a message that his attorney would be involved and [redacted] had violated the FDCPA. The main switchboard has the option of allowing people to key in an extent ion from options provided and there were people working, including a supervisor, until 7 PM but he left  his message on the voice mailbox instead.On 12/7/2016 phone messages were noted and reviewed as people started their day. Note was made concerning Mr. [redacted]'s message.On 12/7/2016 at 11:20 AM, Mr. [redacted] called [redacted], a supervisor, saying he was filing a complaint about [redacted]. He said [redacted] called him a thief. [redacted] indicated she had heard the conversation he had with [redacted] and at no time did [redacted] call him a thief. He said that saying he used the equipment without paying for it was the same as stealing it and that is a thief. He stated we have 5 days from the date of our call to advise him in writing of the debt or we would be in violation of FDCPA. [redacted] advised that notice was sent on 11/28/2016 and verified the address of [redacted]. He confirmed the address as correct but indicated he had not received any notice. He indicated to [redacted] that he was a police officer, knew his rights and would be filing a complaint against Acme Credit Service.On 12/7/2016, a notice verifying the debt was sent to Mr. [redacted].Until your advisement of the complaint received 12/8/2016 there have been no further actions taken concerning Mr. [redacted]'s account. The account had been set for phone call follow up on 12/10/2016 but has been put in a "hold" status while waiting for your acknowledgement.Please note in his complaint that Mr. [redacted] is not disputing the balance due or that the balance is not due. He simply would not cooperate to make any type of commitment or arrangement concerning payment of the balance. [redacted] is a certified collector and been employed by Acme Credit Service for over 20 years. She understands the sometimes people need to process and while they process it sometimes helps from them to understand what can happen concerning the balance they owe so while they process it is best to keep talking about those options. Various subjects might be addressed depending on responses, if any, that are received from the debtor.Working with the police, I am sure Mr. [redacted] is used to being in charge and taking control of his environment which I can respect but in this case, all that was needed was a commitment as to when a balance that was over six months old was going to be paid. If a conversation becomes belligerent to the point of being counter productive or if there is no responses, the call will be terminated and a new attempt made a future time when the debtor will, hopefully, be of a better frame of mind.In a first conversation with a debtor, we take a very low key tone in our conversations and attempt to provide as much information as we can but still maintain an objective of making a payment arrangements for a balance owed to our Client.In Mr. [redacted]'s case, we are still waiting for that arrangement to be made.