Affiliated Acceptance Corporation

Customer signed a monthly agreement with [redacted] (Fka [redacted] ***) on 1/19/for recurring monthly paymentOn July 10, 2017, the customer contacted AAC to inquire regarding cancellation AAC advised customer that cancellation notice may be made by email Customer emailed shortly thereafter, however AAC never received the email Customer did not follow up until January 23, and requested refund of all payments since July Customer's agreement contains language stating that billing errors must be reported with in daysAs such, [redacted] has not authorized a refund Thank you for your mediation

Customer signed an agreement with [redacted] in January The agreement was entered into our service program as of January 28, for monthly billing, with a first billing date of February 27, The customer’s initial term was for monthly payments of $per month for monthsAt the end of the initial term the account went into automatic renewal The customer would have to follow procedures listed on the agreement in order to cancel account AAC has not spoken with the customer, nor have we received any correspondence from the customer in reference to the account or the claim of relocationThe account is showing that it is past due at this time for the January through March paymentsIf the customer would like to provide support to AAC of the cancellation through the facility, we would be happy to review the account and assist with getting account resolved Otherwise the customer can contact our offices and set up payment arrangements for the past due balanceThank you for your mediation

Customer signed a one year agreement with [redacted] ***’s Tae kwon do on April 14, Affiliated Acceptance is billing company for [redacted] ***’s Tae kwon doAgreement was for monthly payments of $to be paid monthly beginning June 25, The customer only made one payment on the account and went past due Please have the customer contact our offices and set up arrangements to pay the balance

Complaint: [redacted] I am rejecting this response because: You purchased an account from [redacted] ***’s Tae Kwon for pennies on the dollar and I do not have nor had I ever had a contractual agreement with youYour Claim is UnverifiableYou do not have proof that your company has the right to collect from me or report information to the credit reporting agenciesYou do not have any documentation where my signature is noted that I went into an agreement with you regarding any account that I have or that I have ever hadWhich makes your Claim Unverifiable Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they "verified" without providing any proof, bearing my signature As per FTC opinion letter from Attorney [redacted] , you should be aware that a printout of a bill or itemized document does not constitute verification I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount Be aware that I am making a final goodwill attempt to have you clear up this matterThe listed item is inaccurate and incomplete, and represents a very serious error in your reporting I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General's office, should you continue in your inaccurate non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws I further remind you that you may be liable for your willful non-compliance Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your companyI would be seeking a minimum of $1,in damages per violation for: [redacted] Defamation [redacted] Negligent Enablement of Identity Fraud [redacted] Violation of the Fair Debt Collection Practices Act (including but not limited to Section 807-8) [redacted] Violation of the Fair Credit Reporting Act (including but not limited to Section 623-b) You will be required to appear in a court venue local to me, in order to formally defend yourselfI demand that you remove all inaccurate reporting for Trans Union, Equifax or Experian at once P.SPlease be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action Cc: Consumer Financial Protection Bureau Cc: Attorney General's Office Cc: Revdex.com Sincerely, [redacted]

Initial Business Response / [redacted] (1000, 24, 2015/10/13) */ Customer did sign a three year contract with Red Fitness in and made monthly payments through July The location is not currently open 24/7, and after a review of the account has been closed from our service programNo further attempts to collect on the account will be made by Affiliated Acceptance CorporationThank you for your mediation

Initial Business Response / [redacted] (1000, 7, 2015/08/28) */ Customer signed agreement with [redacted] in April Once the initial month term was complete the customer went into renewalIn order to close the account the customer was required to send in a day written noticeThe customer sent in the written notice to close the account on August 12, The account was cancelled with a final payment on August 15, No further payments will be dueThanks for your mediation

The customer had a monthly membership with [redacted] Fitness, which changed name to [redacted] Fitness in July Then the memberships were transferred to [redacted] in June The cancellation for the accounts was a thirty day written noticeThe customer sent in the request to cancel on June 29, 2015, therefore the last payment due on the account is the July 2, paymentThe customer issued stop payments on both the June and the July draftsThe account has now been closed from our service program due to the delinquencyNo further pursuit of balance will be made by Affiliated Acceptance CorporationThank you for your mediation

Initial Business Response / [redacted] (1000, 5, 2015/08/03) */ Customer signed one year agreements with [redacted] in December Customer agreed to make monthly payments $on one account and $on otherThe customer made payment in January through AprilIn May the customer contacted our offices and requested the auto drafting to be turned off and would call in to make paymentsThe customer made no payments on account but called in July claiming to have relocated months priorNo support of relocation was receivedClient as a courtesy, even though account past due and no support received, agreed to cancel account if customer paid the late fees on each accountEach account was past due for the May, June and July paymentsLate fees are $each, therefore $in late fees on each accountThe customer agreed to the charges of $on each account on each account on July 28, and the accounts are now closed from our service programNo refund dueThanks for your mediation

Customer signed a month agreement with [redacted] ** on April 3, agreeing to make monthly payments of $beginning May The customer made his scheduled payments from May through August On August 14, the customer contacted our offices and requested drafting to be turned offThis was done per his requestCustomer was advised that payments were still due and that if any payment went beyond days past the due date a late fee of $per payment would applyThe customer then did not make any payments in September and October, therefore a $late fee was applied per month [redacted] ** contacted our offices on November 2, and requested that once the customer paid the September and October payments the account could be cancelledThe customer also called on November and authorized a payment to close the accountThe late fees that were on the account were waived and only the balance of payments due were chargedThe account has been closed from our service program as of November 2, and no further pursuit of the balance will occurThank you for your mediation

Customer signed agreement with [redacted] on 10/17/for a two year agreement with auto renewalThe customer made the payments for the term of the account and was set to go into renewal as of October The account was reviewed with [redacted] and closed from our service program as of October 4, with nothing further due Thank you for your mediation

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me.I do want to add however that the premise on their contract is flawed in that at the inception of my membership it was explained that the cost of membership is $for yearsThe payment terms is that the customer chooses the initial payment amount while the remaining balance is calculated in equal mothly paymentsI choose to make my down payment and my payments $eachSo how is it that the business can arbitrarily say that my monthly membership will be $per month because that is what I decided to pay to meet my initial obligation of $for yearsAgain I am not incurring any additional expenses and that is what I asked for but this business practice is not right Sincerely, [redacted] ***

Customer had an agreement with [redacted] ***The agreement was for $per monthThe account went into an auto renewal and was being drafted monthlyIn order to cancel the customer would need to send in a day noticeNo request for cancellation was received by AAC therefore the payments continuedTo date the customer has not contacted our offices in reference to the account, however AAC will use the date the customer submitted this to the Revdex.com as the original date for customer request of cancellationThat would make the Jan the last payment on the accountThe account is being closed from our service program as of today's date Thank you for your mediation

Initial Business Response / [redacted] (1000, 17, 2015/06/04) */ Customer had a month to month account with [redacted] In order to close the account the customer was required to provide a day written noticeCustomer contacted our offices on 02/26/and inquired how to cancel, he was advised of the day written noticeCustomer gave [redacted] his request to cancel [redacted] then advised Affiliated Acceptance Corporation to set a last payment date for the March 9, 2015, customer never made the March paymentThe account is now closed from our service program due to non-paymentNo further pursuit of the account will be made by Affiliated Acceptance CorporationThanks for your mediation

Initial Business Response / [redacted] (1000, 5, 2016/02/09) */ Customer had an open ended agreement with Woodall's Self Defense and Fitness that began monthly billing in June Customer made all monthly payments on the accountThe customer contacted our offices on 01/26/requesting to close the accountThe customer was advised that in order to cancel there was a day written notice to closeThe customer sent in the written request and a last payment date of February was setOn 01/28/Woodall's Self Defense and Fitness contacted our offices and requested that we close the account with nothing further dueThe account was cancelled as of 01/28/16, no further pursuit of payments will be made on the accountThank you for your mediation Initial Consumer Rebuttal / [redacted] (2000, 7, 2016/02/10) */ (The consumer indicated he/she ACCEPTED the response from the business.) I am happy with the responseThank you to Woodall's Self Defense for resolving the issue for me! ***

Customer signed an agreement with I [redacted] on 10/08/ The customer agreed to make monthly payments of $beginning 11/01/ The customer has made all payments at this time The customer was past due for the December and January payments, however brought account current in February The customer claims to have relocatedThe relocation procedures for the account are a day written notice to I [redacted] along with proof of move over miles, as well as a copy of a utility bill with the new address At this time Affiliated Acceptance has not been informed that the customer has followed the procedure for the cancellation At this time the account remains due and payable until customer follows procedures for cancellation Thank you for your mediation

Initial Business Response / [redacted] (1000, 7, 2015/08/05) */ Customer signed a one year, non-cancellable agreement with [redacted] Corp for personal training in April Customer agreed to make payments of $beginning May The customer made her monthly payments in May through August The customer then requested to cancel the accountAs a courtesy the customer was offered to close the account by giving a day written notice and pay a cancellation fee of $The customer paid the fee of $but did not pay the September payment that was within the day noticeTherefore the account remains open and due payableAt this time due to the delinquency of the account the customer is no longer eligible for this offer and must pay the balance on the account to closePlease have customer contact our offices to set up payment arrangements on balanceThank you for your mediation

Final Consumer Response / [redacted] (3000, 6, 2015/04/21) */ This case has since been resolved with the company and we no longer owe them additional fees

Customer singed an agreement with [redacted] on 05/27/ The agreement was for monthly payments of $then an auto renewal that began in January To cancel the renewal portion of the agreement the customer was to provide a day written notice to the seller,*** [redacted] The customer sent support of the request being sent on 04/15/ The next due date of 05/15/was on the 30th day and therefore due for the account to cancel The customer did not make that payment, however the account has been closed from our service program due to delinquency and returned to [redacted] for collection of the balance No further pursuit of the balance by AAC will occur The customer would need to contact [redacted] for further Thank you for your mediation

Initial Business Response / [redacted] (1000, 6, 2016/01/06) */ I do not have the link in order to respond online to this customer's complaintI will list below what our response would beIf you would like to send the link, I would be happy to respond there Complaint XXXXXXX The customer signed a six month contact that had an automatic renewal with [redacted] on 08/14/Once the initial six month term was complete the account began billing monthly, in order to cancel the renewal the customer would have to follow the terms listed on the agreement which states a day written notice to the seller, [redacted] The customer has contacted our offices requesting that no further contact be made with him as of December 10, 2015, therefore we are unable to contact the customer to advise that he must follow the terms listed on the agreementIf the customer could provide support of the request for cancellation being submitted to the facility we would be happy to review the account furtherAt this time the account remains due and payableThanks for your mediation Thank you,

Consumer has called in reference to account, however unable to verify that person calling is customer that signed agreementThe account has been marked as disputed until further review can be doneA fraud affidavit was sent by certified mail to the address on the agreement, however the customer has not signed for the mailings at this time Once this form has been completed and returned we will review the information furtherAt this time the consumer whom has contacted our offices has been advised that she may file a dispute through the credit bureaus if she feels this is not her accountUntil the account can be properly reviewed it will remain due and payableThank you for your mediation