Affiliated Acceptance Corporation

Customer signed an agreement with [redacted] in January 2015.  The agreement was entered into our service program as of January 28, 2015 for monthly billing, with a first billing date of February 27, 2015.  The customer’s initial term was for 10 monthly payments of $39.00 per month for 10...

months. At 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 relocation. The account is showing that it is past due at this time for the January 2016 through March 2016 payments. If 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 balance. Thank you for your mediation.

Initial Business Response /* (1000, 5, 2015/07/15) */
Customer signed a six month agreement for personal training. At the end of the six months the agreement had an automatic renewal in which the customer would have been required to send in a 30 day notice to cancel. The customer did not send in...

the request to cancel and payments continued. The customer contacted their credit card company and did chargebacks on the renewal payments. The account is showing past due, but has been closed from our service program for payment processing due to the delinquency. Thank you for your mediation.

Initial Business Response /* (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 30 day written notice. Customer contacted our offices on 02/26/15 and inquired how to cancel, he was advised of the...

30 day written notice. Customer 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 2015 payment. The account is now closed from our service program due to non-payment. No further pursuit of the account will be made by Affiliated Acceptance Corporation. Thanks for your mediation.

Final Consumer Response /* (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 05/27/15.  The agreement was for 6 monthly payments of $177.00 then an auto renewal that began in January 2016.  To cancel the renewal portion of the agreement the customer was to provide a 30 day written notice to the seller,. [redacted]...

[redacted].  The customer sent support of the request being sent on 04/15/16.  The next due date of 05/15/16 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.

Customer signed a two year agreement with [redacted] on the [redacted] Kung Fu on 03/12/08 agreeing to make 24 monthly payments of $73.00 beginning April 20, 2008. The customer made payments on the account for the April 2008 through January 2009. The customer did not make any payments on the account...

after January 2009. The customer claim of cancellation is incorrect as account is non-cancellable. Customer's decision to no longer use services provided does not cancel the agreement. Account remains due and payable. The customer needs to contact our offices to set up payment arrangements. Thank you for your mediation.

The customer had a monthly membership with ** Fitness, which changed name to [redacted] Fitness in July 2014. Then the memberships were transferred to [redacted] in June 2015. The cancellation for the accounts was a thirty day written notice. The customer sent in the request to cancel on June 29,...

2015, therefore the last payment due on the account is the July 2, 2015 payment. The customer issued stop payments on both the June and the July drafts. The account has now been closed from our service program due to the delinquency. No further pursuit of balance will be made by Affiliated Acceptance Corporation. Thank you for your mediation.

Initial Business Response /* (1000, 5, 2016/02/12) */
Customer signed agreement with [redacted] Karate Do on 05/05/2015, agreeing to make 21 biweekly payments of $130.00 beginning 08/24/2015. The customer did not make any payments on the account. The only cancellation provided on the agreement...

were for either the 3 day rescission or a $300.00 cancellation fee to close. The customer did not exercise either option. The customer first contacted our offices in August 2015 requesting cancellation and was advised of the $300.00 cancelation fee. The customer was not happy with this and did not cancel the account. Customer was advised that she must follow procedures for cancellation or the account would remain due and payable. The customer continued to request to be allowed out of agreement without following cancellation procedures through January 2016 when she requested no further contact. At this time per FDCPA we have stopped any correspondence with the customer. The account remains due and payable. The customer would have to bring the account current and pay the fee of $300.00 in order to cancel. Please have the customer contact our offices to set up payment arrangements.

The account was reviewed and found to have been signed by another person at same residence. The account was closed from our service program as of 10/07/16 and an update was sent to the credit reporting agencies to remove account from Mr. [redacted] credit report. No further pursuit of account will be...

made. Thank you for your mediation.

Customer signed a one year agreement with [redacted]’s Tae kwon do on April 14, 2014. Affiliated Acceptance is  billing company for [redacted]’s Tae kwon do. Agreement was for 12 monthly payments of $149.00 to be paid monthly beginning June 25, 2014. 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.

Customer signed an agreement with I [redacted] on 10/08/14.  The customer agreed to make 36 monthly payments of $195.00 beginning 11/01/14.  The customer has made all payments at this time.  The customer was past due for the December 2015 and January 2016 payments,...

however brought account current in February 2016.  The customer claims to have relocated. The relocation procedures for the account are a 30 day written notice to I [redacted] along with proof of move over 25 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 /* (1000, 5, 2015/10/13) */
Customer signed a one year membership on April 30, 2013 agreeing to make 11 monthly payments of 58.74. The customer made the monthly payments in May 2013 through November 2013, then no further payments were made. The customer went into...

collections. There are 4 payments of the original agreed to balance due to close the account as well as fees now due. The facility did change ownership, however the customer account was in collections at the time of the ownership change and the balance remains due and payable. The customer will need to contact AAC to set up payment arrangements on the balance. Thank you for your mediation.

Customer signed agreement with [redacted] on 10/17/14 for a two year agreement with auto renewal. The customer made the payments for the term of the account and was set to go into renewal as of October 2016. The account was reviewed with [redacted] and closed from our service program...

as of October 4, 2016 with nothing further due.  Thank you for your mediation.

Customer signed an agreement with [redacted] agreeing to make 31 monthly payments of $242.30. The agreement was assigned to Affiliated Acceptance as of July 20, 2016.  The customer first payment on the agreement was due on July 25, 2016, the billing information provided on with the...

agreement was invalid and no payments have been made. Statements have been sent to the customer requesting payment.  The account is now past due for July and August payments. Please have the customer contact our offices to set up arrangements to bring the account current.  Thank you for your mediation.

Initial Business Response /* (1000, 5, 2015/07/15) */
Customer signed an agreement with [redacted] Once the initial term was complete there was and auto renewal. In order to cancel the account a 30 day prior written notice is required. This is listed on the agreement. The customer sent in...

the written request on July 1, 2015. Customer was therefore due for the payment that was due on that same date. Customer made the payment on July 7, and the account is now closed from our service program. No refund is due to the customer. Thank you for your mediation.