Agency of Credit Control

Generally speaking complaints found here are not always factually accurate and are posted by individuals who are not actual customers of this business All collection efforts are conducted with strict compliance of all local, State and Federal statutes Complaints are typically a result of a lack of cooperation or refusal to communicate The claimant fails to include in her complaint is that the debt originated in and has not made any attempt to pay the bill for over years Despite the claimants promises, no payment has been received Also, claimant's statement regarding attorney fees is simply a misstatement of fact None were incurred The claimant has had the necessary information to make payments on the account for over years but has failed to pay the account Thus, the original creditor has decided to simply enforce the agreement the claimant made years agoWith regard to any judgement, post judgement remedy, all forms of execution are required to be authorized and issued by the Colorado judicial system in accordance with the rules of simplified civil procedure Due process is required to be hand delivered by process servers as a matter of law Before any account is litigated, numerous attempts to contact consumers are made to resolve accounts voluntarily It is only when these efforts fail or attempts to contact are ignored that Simplified Civil Procedure is necessary to resolve unpaid accounts

Complaint: [redacted] I am rejecting this response because:The address I have out on the compaint and the one I supplied the Revdex.com with should be the same addressOn Jan when I spoke to them I asked for proof this was my debt and I would get it resolvedI have not received any kind of documentation .Had I received the documents, and they showed to be mine, I would have paid it before it went into a negative remarkI asked for them to work with me since I did not get anything I asked for in Jan 2014, and the supervisor was completely unwilling to hear what I had to sayThey have no regards to a customer Sincerely, [redacted]

As previously stated, every effort was made by ACC, specifically by its legal staff, to afford the Claimant an opportunity to avoid legal ramifications ACC is empathetic to the Claimants feelings and it is regrettable that the Claimant ignored all such opportunitiesACC performed it's functions professionally, effectively and efficiently with regard to the Claimant

We received the attached complaint and responds as follows: Agency of Credit Control, Inc(ACC) denies the Claimant’s statements as they are factually incorrect A Summons and Complaint were served to the Claimant on December 21, ACC received a call from the Claimant the same day who wanted to set up a payment arrangement The Claimant was fully aware that the suit had to be filed with the Court and that judgment would be sought as the complaint described unless the balance in full was paid prior to the court date However, despite the entry of judgment, ACC agreed not to execute on the judgment provided the Claimant make payments on timely basis The first two payments were made as agreed After the court date we received a call from the Claimant stating she was confused about the proceeding She was reminded that a judgment would enter however we would not execute on the judgment provided her payments were made timely The Claimant acknowledged the distinction as her wages were not yet being garnisheed In an effort to further accommodate the Claimant, ACC agreed to yet another payment plan and offered to stipulate that the judgment would be vacated once it was paid in full The stipulation was sent to the address provided by the Claimant the same day The Claimant never signed the stipulation nor was it ever returned As a result, the stipulation could not be filed as it was never executed by the Claimant Thus, the status quo remainedMultiple phone calls were made by ACC in an attempt to ascertain the status of the stipulation, however those calls and messages were ignored by the ClaimantSubsequently, the Claimant ceased making payments of any kind and therefore defaulted any agreement signed or otherwise As a function of the Claimant’s default, a garnishment was issued in accordance with the Rules of Simplified Civil Procedure of Colorado Once the Claimant’s wages were garnisheed, only then did she reach out to discuss the matter She expressed her displeasure with having her wages garnisheed, ACC acknowledged the Claimant’s position but explained that had the Claimant returned the stipulation and made the payments as agreed, the wage assignment would not have been necessary, or had she responded to the follow up calls garnishment could have been avoided Such was not the case and the Claimant’s actions, or lack thereof, resulted in the garnishment of her wages The balance in full was ultimately paid by the Claimant on April 6, 2016, and a release of garnishment was faxed to the employer’s payroll processor that same day and the judgment was satisfied as wellIn conclusion, ACC denies the Claimant’s disputes as they are factually inaccurate ACC followed all guidelines required by law in collecting this debt and offered the Claimant multiple opportunities to pay the debt voluntarily, all of which were ignored ACC even stipulated to a special accommodation to vacate the judgement once the account was paid, but that too was ignored

As a matter of policy we do not comment on specific details regarding consumer accounts. Generally speaking complaints found here are not always factually accurate and are posted by individuals who are not actual customers of this business. All collection efforts are conducted with
strict compliance of all local, State and Federal statutes. Any litigation, judgement, post judgement remedy, all forms of execution are required to be authorized and issued by the Colorado judicial system in accordance with the rules of simplified civil procedure. Due process is required to be hand delivered by process servers as a matter of law. Before any account is litigated, numerous attempts to contact consumers are made to resolve accounts voluntarily. It is only when these efforts fail or attempts to contact are ignored that Simplified Civil Procedure is necessary to resolve unpaid accounts. Complaints found here are typically a result of a lack of cooperation or refusal to communicateAccounts reported to the various credit bureaus are done so in compliance with the FCRA and any disputed account is investigated and verified in compliance with the same. Disputed accounts are reported as disputed items as well.With regard to this particular complaint, the consumer’s facts are simply inaccurate. Over attempts to contact the consumer were made resulting in live contacts. Each time the consumer was informed of the account and he acknowledged it’s existence. It was never disputed, rather the consumer believed his insurance would pay the account. He informed our office that he would look into the matter but never returned the call. That was January 7, 2014.The next and only communication with the consumer was March 21, (yesterday) when the consumer called about this being reported to his credit profile. The consumer requested validation and in compliance with the FCRA the verifying documentation was sent to the address the consumer to the address he verified during the conversation the same dayIt is interesting to note that the address verified by the consumer to our agent is not the same address he furnished in his Revdex.com complaint.Given these facts, ACC denies the claims made by the consumer as they are simply false. ACC has acted compliantly and professionally in all capacities and will continue to help the consumer any way it can. However, ACC is contractually obligated to accurately report to the various credit bureaus and cannot arbitrarily remove items that are properly and accurately reported such as thisThe Revdex.com has named our firm as a TORCH AWARD finalist. The TORCH AWARD is the Revdex.com’s highest award honoring businesses with the highest ethical standards. As TORCH AWARD finalist, we strive to provide the utmost in customer service to anyone who wishes to work with us

Initial Business Response /* (1000, 6, 2015/10/15) */
*** of *** *** denies the consumer's claims of any violation with regard to the FDCPAThe consumer requested that ACC cease communications on October 5, and no further attempts to communicate with the consumer have been
made
The consumer admits that the accounts are valid in the complaint itself and acknowledged the address to which we have sent the Federally required notices (89) was correctThe consumer has already received statements for each one of their separate accounts
Moreover, consumers' claim that "this is the first they have heard of it" is simply a falsehoodOn October (years ago) at 9:AM our agency communicated personally with the consumer at which time the consumer acknowledged the debt, verified the address and confirmed receipt of our notices
Finally, litigation is an available creditor remedy that is frequently used in the State of Oklahoma, thus informing the consumer of the potential civil action is neither deceptive nor threatening
In conclusion, ACC has already fulfilled the the requests of the consumers prior to this complaint and denies all claims made by the consumer
Initial Consumer Rebuttal /* (3000, 8, 2015/10/19) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Responding to the Agencies response above point by point;
I called on 10/2/at 4:36pm CST and requested they cease all attempts to communicate to my employer regarding this NOT on 10/5/as they claim*** with the agency of Credit Control went ahead and called my employer and left a voice mail for them the weekend of 10/3/and then talked to them on Monday 10/05/so saying they ceased attempts to communicate after I made the request on 10/is a blatant lieI tried to contact them on 10/5/after they had already violated my request to cease all communications pertaining to the collection claim
We DID NOT admit that the accounts were valid when the agency contacted us (if such proof exists it should be provided to validate such a claim)I did verity the address to be correct (because it is indeed accurate) What I told them was that they needed to provide us with the statements that show the validity of the accounts, and I also told them I would launch our own investigation with the original creditor to authenticate the validity of the accounts BEFORE we admitted to them being valid and paying themI also asked them to give us time to do thisThe agency said they set the notices in the mail to the said address, notices! How can one ignore separate notices sent to the same address over an xxx period of time? If there is proof that these notices were sent then they should provide itSaying "the consumer has already received statements for each one of their separate accounts" is another blatant lie....I have never seen a collection notice from this agency and 9/28/is the FIRST time I even knew they existed when *** their rude rep called meAgain, if they have proof that we received such notices (signed certified mail receipts or USPS tracking receipts) then they should provide it to validate their claim
October 7th at 9:33am was a Monday morning and I have no recollection whatsoever of ever talking to someone regarding such an account especially from a collection agencyAgain if there is proof of such a recording/time stamp, then they need to provide it
The manner in which the litigation notification was made was rude, threatening and very pushy in nature which was meant to intimidate us as consumers but we are well aware of our rights under the FDCPAThese collection methods are typical amongst some agencies that use threatening and intimidating tactics against consumers hoping that consumers are not aware of their rights
In our own conclusion, this matter has now been resolved with the original creditor and the Agency of Credit Control will receive notification of the same from the Creditor (OU Physicians) We need for the Agency to clear our names from their collections books and send us notification by mail to confirm the same once they receive notification that the matter has been resolved with the original CreditorThey should also cease any further pursuit to collect on this said collection accounts as the matter has been resolved now that the original biller "clearly and politely" explained what had happened and "apologized" for the way the matter was handled by their billing department back in
Final Business Response /* (4000, 10, 2015/10/23) */
Our client has not recalled the account or advised that the matter is resolved with them at this point
No further response is necessary as nothing has changed with regard to the previously submitted response

Complaint: ***
I didn't deny the fact that I owe the money and yes it was from and I paid over $I had to quit my job to take care of my boyfriend who has *** and a *** ***I told the collector this when I spoke to her not that I was trying to get out of the blade to but trying to explain that I had no money at the time and as of January 1st of I was just now back to workI was willing to make payments of $a month but they would not accept those payments and the only way they would accept a payment is if I provided my bank account informationEverything that I explained in my complaint was not responded toI know I owe the money and am willing to pay itI'm not willing to let a company take advantage of me like you did othersYou make your clients happy because you practice bad business in the way you go about getting the moneyHow about taking the payments that people are willing to give you and not turning around and suing them the second you are provided their bank account information so you can garnish their bank accountsI've read *** and the reviews from others that you have done like things tooI however will not sit and let this type of thing happen without it being knownI've already contacted the news regarding this with a copy of all of the help reviews as wellThis kind of business is not acceptableEspecially when you have someone that is willing to pay but because a person can't afford to make the payments that your company feels is necessary I find that unfairI have bills coming from the oncologist, radiologist, surgeon, endocrinologist and several more that are willing to take way less than $because they are willing to work with us because we are willing to payA huge difference between money hungry and people that actually have morals.
Sincerely,
*** ***

Complaint:
I am rejecting this response because:As I have already apologized for not making the payments, I accepted the fact that they weren't going to make right the lies they were going to tell me, I made the payment in full to ACCYes, I missed a payment, that is something that I never once deniedBut the main issue here is the lies that were told to me and the complete attitude from the company, specifically the legal managerAgain, I state, they tried to avoid taking my payment in full when I called inThey'd leave me on hold for a long time and then tell me their system was downI tried to speak with the legal manager about giving her my payment in full specifically but she did well to ignore my callsThis is unprofessional, especially when I am calling in to make the payment in fullI do have my tax specialist on staregarding this complaint that is more than willing to submit a complaint regarding the attitude she received as wellTo call in regarding paperwork needed for this garnishment only to be snapped at and hung up on is (again) unprofessional. Again, the only way this is resolved is for ACC, specifically the legal manager, to write a letter of apology addressed to both myself and my tax specialistI understand that it is hard for someone to admit when they are in the wrong but it isn't impossibleI was quick to admit where I was wrong in this situation and so I would appreciate an apology admitting that their attitude was unprofessional and wrongI will continue to request this apology letter unless they can come up with some factual proof that they were always professional to myself and my tax specialist over the phoneI know it's my word against theirs, but I've admitted my wrong doing in this matter, it's time they admit theirs as well.Thank you for your time,*** ***

We have responded multiple times to this complaint As previously stated, the person making this complaint is not our customer and the complaint is not valid Please refer to previous responses

Generally speaking complaints found here are not always factually accurate and are posted by individuals who are not actual customers of this business. All collection efforts are conducted with strict compliance of all local, State and Federal statutes. Complaints are typically a result
of a lack of cooperation or refusal to communicate. The claimant fails to include in her complaint is that the debt originated in and has not made any attempt to pay the bill for over years. Despite the claimants promises, no payment has been received. Also, claimant's statement regarding attorney fees is simply a misstatement of fact. None were incurred. The claimant has had the necessary information to make payments on the account for over years but has failed to pay the account Thus, the original creditor has decided to simply enforce the agreement the claimant made years agoWith regard to any judgement, post judgement remedy, all forms of execution are required to be authorized and issued by the Colorado judicial system in accordance with the rules of simplified civil procedure. Due process is required to be hand delivered by process servers as a matter of law. Before any account is litigated, numerous attempts to contact consumers are made to resolve accounts voluntarily. It is only when these efforts fail or attempts to contact are ignored that Simplified Civil Procedure is necessary to resolve unpaid accounts

Complaint: [redacted]
I am rejecting this response because:The address I have out on the compaint and the one I supplied the Revdex.com with should be the same address. On Jan 2014 when I spoke to them I asked for proof this was my debt and I would get it resolved. I have not received any kind of documentation .Had I received the documents, and they showed to be mine, I would have paid it before it went into a negative remark. I asked for them to work with me since I did not get anything I asked for in Jan 2014, and the supervisor was completely unwilling to hear what I had to say. They have no regards to a customer. 
Sincerely,
[redacted]

As previously stated, every effort was made by ACC, specifically by its legal staff, to afford the Claimant an opportunity to avoid legal ramifications.  ACC is empathetic to the Claimants feelings and it is regrettable that the Claimant ignored all such opportunities. ACC performed it's functions professionally, effectively and efficiently with regard to the Claimant.

We received the attached complaint and responds as follows: Agency of Credit Control, Inc. (ACC) denies the Claimant’s statements as they are factually incorrect.  A Summons and Complaint were served to the Claimant on December 21, 2015.  ACC received a call from the Claimant the same day...

who wanted to set up a payment arrangement.  The Claimant was fully aware that the suit had to be filed with the Court and that judgment would be sought as the complaint described unless the balance in full was paid prior to the court date.  However, despite the entry of judgment, ACC agreed not to execute on the judgment provided the Claimant make payments on timely basis.  The first two payments were made as agreed.  After the court date we received a call from the Claimant stating she was confused about the proceeding.  She was reminded that a judgment would enter however we would not execute on the judgment provided her payments were made timely.  The Claimant acknowledged the distinction as her wages were not yet being garnisheed.  In an effort to further accommodate the Claimant, ACC agreed to yet another payment plan and offered to stipulate that the judgment would be vacated once it was paid in full.  The stipulation was sent to the address provided by the Claimant the same day.  The Claimant never signed the stipulation nor was it ever returned.  As a result, the stipulation could not be filed as it was never executed by the Claimant.  Thus, the status quo remained. Multiple phone calls were made by ACC in an attempt to ascertain the status of the stipulation, however those calls and messages were ignored by the Claimant. Subsequently, the Claimant ceased making payments of any kind and therefore defaulted any agreement signed or otherwise.  As a function of the Claimant’s default, a garnishment was issued in accordance with the Rules of Simplified Civil Procedure of Colorado.  Once the Claimant’s wages were garnisheed, only then did she reach out to discuss the matter.  She expressed her displeasure with having her wages garnisheed, ACC acknowledged the Claimant’s position but explained that had the Claimant returned the stipulation and made the payments as agreed, the wage assignment would not have been necessary, or had she responded to the follow up calls garnishment could have been avoided.  Such was not the case and the Claimant’s actions, or lack thereof, resulted in the garnishment of her wages.  The balance in full was ultimately paid by the Claimant on April 6, 2016, and a release of garnishment was faxed to the employer’s payroll processor that same day and the judgment was satisfied as well. In conclusion, ACC denies the Claimant’s disputes as they are factually inaccurate.  ACC followed all guidelines required by law in collecting this debt and offered the Claimant multiple opportunities to pay the debt voluntarily, all of which were ignored.  ACC even stipulated to a special accommodation to vacate the judgement once the account was paid, but that too was ignored.