Associated Credit Service, Inc.

As of this morning, 1/27/the account in reference is now closedThank you for following through with the agreement.
Regards,
*** ***
Revdex.com:I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me

Re: *** * *** Complaint #***Dear *** ***,Mr*** contacted Associated Credit Service on August 14, to make arrangements for monthly paymentsWe agreed to $monthly payments due by the 14th each month, starting September 14, The
$payment was received on September 15, 2017, as agreedThe statute of limitations was renewed on that date We appreciate your assistance in resolving this matter.Sincerely,Jon S*President

Complaint: ***I am rejecting this response because:On 11-19-I told them I would make payments but they needed to send me monthly reminders, I was told they couldn't do that it was not their policy9-8-I did not say I wouldn't call back- I did once again ask them to send me a monthly statement and they refusedI don't know who told them *** would not call them back because if they were already talking to me it would not be necessary for them to talk to himAs far as leaving messages and our voice mail being full I will debate that one because we only get messages once in awhile and then delete themNever had a problem with getting messages beforeI cannot find any record of us paying on 2-28-or on 10.22, I don't know where these figures are coming from but they seem to be a very odd amountOn 4-27-Associated Credit said that *** told them he would not pay them, what he said was " I will not pay this unless you send us a billYes I was upset at the bill that was sent, not because they sent it, because it was three times what we owe the hospital billIt was almost three hundred dollars more then what we owe on the billI did call and talked to Bernadette, yes I was upset at the way they let go on for so long just to get us to pay lots of interest, I told her that if they had sent me a monthly bill like I asked for it would have been paid way before nowAll she could say was thats not how we do it and its up to me to remember, I told her I have a lot of other medical bills and have dealt with other collection agencies and they sent me a monthly statement and they got paidShe told me thats not how we do business and we don't have tooI told her that was a stupid ***way to run a businessYes I did say that several times because all she told me is I owed the money and I would have to pay it no matter what I thought and yes I did hang up on herThey said failure to respond was the reason for it going to collection, that was not the reason, not being able to pay a large sum of money was the reasonWe have been dealing with collection agencies since due to fact that *** is a heart transplant and has medical continuously and eventually we get them paid off only because they send a monthly reminder, Which they refuse to do
Sincerely,*** ***

Subject: Re: [redacted]We received an e-mail request from [redacted] on December 15, 2016, at 3:01 PM, regarding a joint account. She stated that this account was included in her bankruptcy filed April 19, 2016.                  ...

                                                                                                                                                                                                        Bankruptcy is part of a person's Credit Bureau Report. Our report to the Credit Bureau is accurate.In [redacted] e-mail, she requested this account be reported as closed due to the bankruptcy. This is contrary to standard practice and Credit Bureau procedure. We reviewed this joint account and the responsibilities of both parties. We decided that we can help [redacted] improve her credit profile. As a courtesy to [redacted], on December 19, 2016, at 1:05 PM, we requested this item be deleted from her Credit Bureau Report. On December 21, 2016, at 12:53 PM, we e-mailed [redacted] that we have requested this item be deleted from her Credit Bureau Report. This can take up to 30 days for the Credit Bureau to comply.We received an e-mail from [redacted] on January 18, 2017, at 10:44 AM, stating the account is still appearing on her Credit Bureau Report as open. As a courtesy to [redacted], on January 19, 2017, at 10:03 AM, we followed up by requesting this item be deleted from her Credit Bureau Report with Experian, Equifax and Trans Union. We hope this resolves this matter. Please let me know if there is anything more we can do to help.

Our client provides financial assistance that can include charitable write-offs.  Our client can set up payment plans at 0% interest.  All they have to do is respond to letters and notices.  Failure to respond will result in the accounts being assigned for collection.  Date of...

transaction was 6/1/07.  These accounts were listed on 9/24/10 and accrue interest at 12% per annum.  We received (2) $50.00 payments on 10/13/10.  We talked to [redacted] on 11/19/10, and she agreed to $50.00 monthly payments starting 12/15/10.  No further payments were made and there was no response to our letters.  We talked to [redacted] on 9/8/11 and she requested a statement of account and she would call back to set up a new payment plan.  There was no response to our statement or letters.  We left a message for [redacted] and was told that he will not call us back.  We have called several times in the last (4) years but voice mail was full.  On 2/28/14 they paid our client $15.12.  On 10/22/14 they paid our client $37.50.  We have received no further payments.  On 4/27/16 I called and [redacted] said he will not pay us because he is paying other hospital bills.  Per his request, we sent a statement of account.  On 5/17/16 [redacted] called and spoke with Bernadette.  She was upset that we sent a statement of account.  She called Bernadette some names and hung up.  There is not much more we can do if they do not set up a payment plan and make payments as agree.

Subject: Re: [redacted] #[redacted]Mr. [redacted] called on January 3, 2017 at approximately 2:50 pm, we did not agree to accept his late payment by January 15, 2017, or negotiate a new payment plan. The agent did not have the authority to make any changes to Mr. [redacted] current payment plan. Mr....

[redacted] told the agent that the agent was not working with him. Mr. [redacted] requested that a supervisor call him back. Mr. [redacted] then chose to file a complaint with the Revdex.com instead of waiting for a call back.We have set up a variety of payment plans for Mr. [redacted] as he has called this office six (6) times; On July 22, 2016, at 8:00 am, we agreed with Mr. [redacted] to set up $75 per month starting August 15, 2016. We did not receive any payment by August 15, 2016 or September 15, 2016, or October 15, 2016. On October 27, 2016, at 3:40 pm, we agreed with Mr. [redacted] to set up $100 per month starting November 5, 2016. We did not receive any payment. On November 11, 2016, at 2:38 pm, we agreed with Mr. [redacted] to accept his late payment by November 17, 2016. We did not receive any payment. On November 23, 2016, at 1:24 pm, we agreed with Mr. [redacted] to accept his late payment by December 2, 2016. We did not receive any payment. On December 12, 2016, at 8:28 am, we agreed with Mr. [redacted] to accept his late payment by December 15, 2016. We did not receive any payment.On December 19, 2016, at 8:55 am, Mr. [redacted] said he can make his late payment by December 23, 2016. We did not agree with Mr. [redacted] to accept his late payment by December 23, 2016. On December 19, 2016, at 4:13 pm (same day), Mr. [redacted] made his late payment. Mr. [redacted] was advised that his next payment is due January 5, 2017.Mr. [redacted] called on January 3, 2017 at approximately 2:50 pm, we did not agree to accept his late payment by January 15, 2017, or negotiate a new payment plan. The agent did not have the authority to make any changes to Mr. [redacted] current payment plan. Mr. [redacted] told the agent that the agent was not working with him. Mr. [redacted] requested that a supervisor call him back. Mr. [redacted] then chose to file a complaint with the Revdex.com instead of waiting for a call back.At approximately 3:05 pm, only 15 minutes later, the owner and Vice President, David S[redacted], called Mr. [redacted] back and agreed with Mr. [redacted] to accept his late payments by January 12, 2017 and January 26, 2017. Mr. S[redacted] also agreed to set up a new payment plan, $100 per month starting February 15, 2017.
We can really appreciate Mr. [redacted] and the effort he is making to make payments. He is trying very hard to pay off this account and we are trying very hard to accommodate him. If you think there is anything else we can do to assist him, please let us know.Thank youJon S[redacted]President

Review: Recently I have tried to obtain a mortgage loan. I wasdenied due to a collection on my credit report from Associated Credit Services. I never received letter from this agency prior tothem reporting to the credit bureaus. I sent them adebt validation letter, to which I received a very basicresponse that still doesn't prove that the debt is mine. I do not believe I owe this debt and the methods ofwhich I have tried to get validation (Certified debt validation letter, fax, 2nd certified debt validation have not proven that I owethis debt. As a consumer, I feel that this agency atleast owes me the consideration of showing solidproof that the alleged debt is mine. I appreciate anyassistance you may offer in reference to this matter.Desired Settlement: Deleted from my credit report

Business

Response:

Spokane County District Court can verify that this Judgment was entered against the defendant, [redacted]. Spokane County District Court can verify that this Judgment has been paid and satisfied. Associated Credit Service can verify that this Judgment was paid 11/11/08, but ACS has discarded all documentation as it relates to this Satisfied Judgment. Spokane County District Court provides information to [redacted] regarding Judgments, outstanding or satisfied. ACS has requested that this item be deleted from the credit report of [redacted]. If [redacted] continues to experience problems with her credit report, she will have to dispute it with [redacted]. We appreciate your assistance in resolving this matter

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 9501037, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.

I was under the impression that the open account would be taken into consideration. I am referring to the account #[redacted])

Business

Response:

Spokane County District Court can verify that this Judgment was entered against the defendant, [redacted]. Spokane County District Court can verify that this Judgment has been paid and satisfied. Associated Credit Service can verify that this Judgment was paid 11/11/08, but ACS has discarded all documentation as it relates to this Satisfied Judgment. Spokane County District Court provides information to [redacted] regarding Judgments, outstanding or satisfied. ACS has requested that this item be deleted from the credit report of [redacted]. If [redacted] continues to experience problems with her credit report, she will have to dispute it with [redacted] and [redacted]. We appreciate your assistance in resolving this matter.

Associated Credit Service has provided a statement from our client regarding ACS No. [redacted] but [redacted] does not recall receiving any service from our client. ACS has requested further documentation from our client in order to validate this account. If our client is unable to provide any additional documentation, ACS will delete this item from the Credit Report of [redacted].

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 9501037, and find that this resolution is satisfactory to me.