Automated Accounts, Inc.

1 Initial contact by phone instead of mail. I called his local number of 509-326-2276
2. Said he was collecting for some real estate company
3 asked for my SS# to verify my ID. REALLY ???? Told him NO
He then asked if the last four of mine were XXXX and I said no...and that no legitimate company will ask for your SS# over the phone. The conversation then ended. Go figure

Review: My issues with Automated Accounts began immediately after first contact by them. I awoke to an extremely rude, condescending voicemail from a man claiming to be with Automated Accounts to collect a debt. The man, in a very threatening tone, said that if his call was not returned he would be looking for me at my place of work.

Turned off by the manner of his contact, I immediately typed up a letter requesting validity of debt and mailed it to AA Inc. Within a couple of weeks, I was sent the documentation. It was a complete copy of a rental agreement for my old apartment, rented to me by [redacted] in downtown Spokane. The paperwork sent to me was that of which I signed upon move-in....there was no itemization of what I owed from the apartment that I moved out of in December 2014.

I called and asked to speak to a manager to discuss this supposed debt. The woman on the phone was extremely rude to me and said that her managers were too busy to handle each case by case. Unfortunately for her, this is not just another case. I have a legally signed and stamped document, filed in the courts, stating that I was in $0 balance standing with K&H at the end of my lease. Since the debt has been sold to Automated Accounts, it is now out of the hands of the original creditor.

Automated Accounts is handling this situation poorly and unethically.Desired Settlement: My desired outcome is simple. I would like to be in contact with the General Manager, or a manager in the office that can help me to the extent that I need and I would like to settle this debt, since it cannot be handled through the original creditor at this point.

I am willing to negotiate the pay that it would take to get this taken care of and OFF of my credit report.

Business

Response:

May 1, 2015 [redacted]

Resolution Moderator

Phone: [redacted]

Revdex.com RE: ID of [redacted]

[redacted] Dear Sirs: In

response to the complaint received from Mr. [redacted] and his expected

resolutions. Our

records indicate that on March 19, 2015 at 8:31 pm we called Mr. [redacted]’s

residence in regards to his outstanding balance with Automated Accounts Inc.,

we left a message on his voice mailThere

is a difference of opinion as to how the conversations went according to Mr.

[redacted]. On

March 23, 2015 we received a cease and desist letter requesting validation and

to stop all communications via phone. We mailed copies of records for his

review. On

April 9 we received a settlement offer the amount of $150 in exchange to have

his account deleted from the credit reporting agencies. His offer was forwarded

to our client, however it was declined. Attached

please find copy of all correspondence. We

will accept any partial payment submitted by Mr. [redacted] and stop any

additional legal action as long as we receive his payments. Once the balance is

paid in full we will notify the credit reporting agencies to have the above

mentioned item from his credit report. As

a courtesy we have removed any interest charges on his account. If

you have any further questions, please contact our office. Sincerely,

[redacted]Office Manager[redacted]

Review: I asked to have a bill removed from my credit. a company sent over a request of a bill for a old car I bought and sol I sold car November 2013 to a kid by name of [redacted]. I forwarded his information to evergreen towing and to this collections company. I asked them to verify with brandy with motor vehicle division I didn't have the vare registered in my name and I had it temp. and couldn't unregister a vehicle I never registd I sold right away. the vehicle was towed and impounded march 2014 I am not interested for a vehicle I sold in nov 2013. I would like it removed from my credit they say evergreen wont remove it and evergreen said they wont remove it. Please have this removed I have attached documents from the state showing I wasn not owner of vehicle during this time of towing. The company was very rude to me and I couldn't even understand the manager [redacted] I had explained to him over and over I faxed proof to him. please remove.Desired Settlement: please remove and show verification this has been done see attached documents I wasn't owner of vehicle during time it was impounded. the owner is loo[redacted] for his vehicle

Business

Response:

June 17, 2014

Resolution Moderator

Phone: ###-###-####

Revdex.com

RE: [redacted]

File # [redacted]

Dear

Sirs:

In

response to the complaint received from Mrs. [redacted] and her expected

resolutions.

Properly filing a report of sale or transfer regarding the vehicle

involved in accordance with RCW 46.12.650 relieves the last registered owner of liability. If the date of sale as indicated

on the report of sale is on or before the date of impoundment, the buyer

identified on the latest properly filed report of sale with the department is

assumed liable for the costs incurred in removing, storing, and disposing of

the abandoned vehicle, less amounts realized at auction. If the date of

sale is after the date of impoundment, the previous registered owner is assumed

to be liable for such costs.

Our

records indicate such vehicle was impounded on March 19, 2014; Enclosed please

find copy of sellers report dated May 27, 2014

Automated Accounts Inc. will not

report the above referenced account to the credit reporting agencies; however

collection efforts will continue since this is a valid debt.

We will accept any partial payment

submitted by Mrs. [redacted].

If you have any further questions, please contact our

office.

Sincerely,

Office Manager

Everyone has problems from time to time, however dealing with [redacted] at Automated Accounts is a joke, I have never ever in my life met someone so rude and unprofessional. If you think she is an asset to your company you are sadly mistaking. The lady makes you feel like your the sm of the earth because you have something in collections. It is harassment in way.

Review: No money owed. Bad product.Desired Settlement: Please close the account. Remove the negative information off all major credit reporting agencies.

Business

Response:

February

16, 2016

Resolution Moderator

Revdex.com

Reference: ID [redacted]

Dear

Madam:

Our

office is always willing to work with consumers with credit reporting issues.

Automated

accounts will help her to set this matter straight with the credit reporting

agencies if she provides copy of credit report showing our name and account

number.

At

this point we are unable to find any account under her name for the amount of

$1945.00 or date of service 10/01/2014

If

you have any further questions, please contact our office

Sincerely,

Office

Manager

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business' response. If you wish, you may update it before sending it.]

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.

Regards,

Review: This company is reporting the following accounts on my credit report: [redacted] and [redacted]. I have sent 2 requests for validation, which they received on July 29, 2013 and August 7, 2013. They sent me a print out of what they claim I owe for the first request, which doesn't begin meet the requirements of the FDCPA or explain how they came up with the information they are reporting. They have failed to respond to my second request for validation. They are also in violation of the FCRA 15 USC 1681s2(a)(3) for not reporting these accounts as disputed to the 3 major credit bureaus and in violation of FCRA 15 USC 1681s2(a)(1)(B) for continuing to report information on my credit reports after I notified them that the information they are reporting is incorrect. I have several recent copies of my credit reports to prove these violations.Desired Settlement: Immediately remove these accounts from my credit reports or I will take further action against them for the violations mentioned above.

Business

Response:

In response to Mr. [redacted]’s complaint against Automated

Accounts, Inc. of Spokane Washington, Automated has complied with Federal and

State law regarding the collection of this account.

Automated was assigned two separate accounts from [redacted]. Both accounts were evidenced by written

contracts signed by Mr. [redacted]. One account was for a pay-day style loan

and the other was for overdraft protection on his checking account. When

Mr. [redacted] made inquiry of Automated we verified each account with [redacted] as

required by law, and sent him notice of the verification. Automated is

not required to “validate” a debt pursuant to the Fair Debt Collection

Practices Act. Automated is required to verify that the accounts belong

to Mr. [redacted] which Automated did in a timely manner.

The information that Automated is supplying to the Consumer

Reporting Agencies is accurate. Not only does Mr. [redacted] in fact owe the

debts he is disputing, he has attempted to pay [redacted] directly in order to avoid

paying Automated Accounts.

Mr. [redacted] sent a check to [redacted] asking them

to cash it and cancel the assignment of these accounts to Automated.

Mr. [redacted]’s actions demonstrate that he understands that he

owes these two debts, and has been attempting to avoid his responsibilities

using consumer protection laws.

Consumer

Response:

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

First, let me clear up you incorrect assumptions. I am not trying to use consumer protection laws to get out of paying a debt. I am using the consumer protection laws that were designed to give consumers the right to request information when a claim is made against them on their credit report. I have requested these accounts be removed from my credit report because you have failed to provide any information to prove your claims against me. I have the same freedom to use the laws and rights that have been afforded to me as a consumer just as you have the ability to use the laws and rights afforded to you to conduct your business. Should you have provided the information I requested, I would have worked with you to settle these accounts. If I were trying to get out of paying any debt why would I contact your company and [redacted]?

I requested information about these accounts because you and [redacted] are reporting conflicting information on my credit reports. Both of you are also reporting a different past due balance of the same of the account on my credit reports. I requested additional information/documentation and an explanation of your “other charges” that you are claiming since your records and [redacted] records don’t match. Neither one of you have sent me any documentation about the original amount of the loan, which I have requested from both of you. You are claiming I owe you over $2000 for these accounts and I simply demanded that you prove it. The computer printout you sent me only proves that you have access computer and a printer.

Review: I was served with a notice about a collection from an apartment in which my family used to reside nearly a year and a half after we had moved out. It was listed in collections with Automated Accounts. When we moved I did a exit walk trough and signed the paperwork. So when I recieved this the balance seemed quite excessive and I believe that they are charging me for pre-existing conditions in the apartment. I asked Automated Accounts for and explanation of charges so I could dispute and was never given them and they just continue to renew a granishment and add fees without ever providing me what I ask for.Desired Settlement: I would like to know what I am being charged for. Have the garnishments stopped, and possibly a refund if I am paying for charges to which I am not liable.

Business

Response:

May 8, 2014

Revdex.com

Attn: [redacted]

RE: Case # ID

[redacted].

[redacted]. [redacted]

Dear Mr.[redacted]:

We are in receipt of the complaint you received from Mr. [redacted].

Cedar Chateau has listed the account with our office since March 3, 2012. We

have been in communication with Mr. [redacted] since he called our office on

04/18/2012. During the conversation with our office we requested a formal

dispute in order to get a specific answer from our client. We called Mr. [redacted]

again on 4/28/12 and 7/19/12 still no dispute received in our office. In addition,

we received no response to subsequent letter or phone messages. We had no

option but to file suit. Mr. and Mrs. [redacted] were served legal summons on

02/17/2013, given them 20 days to respond to the legal claim.

Mr. [redacted] called our office on 3/11/13 claiming dispute

was sent sometime in 2012 but couldn’t remember the day; we give him the option

to send another one via fax. There was no dispute received and default judgment

was entered the next day on 3/12/13. Copies of Judgment were mailed to Mr. [redacted]

on 03/20/12.

First garnishment (writ A) was filed on 04/09/13; Mr.

[redacted] called our office on 05/09/13, explained garnishment runs for 60 days,

again he wanted to dispute original charges, explained default judgment entered

but welcome to send dispute letter. No dispute letter received.

Garnishment (writ B) was filed on 07/30/13. Mr. [redacted]

copy was never claimed at the post office and returned to us.

Garnishment (writ C) was filed on 12/17/13. Mr. [redacted]

called our office on April 24, 2014 saying does not agreed to amount showing on

garnishment paperwork. Explained each

time we file a writ we have to add court cost, interest and attorney fees.

Enclosed please find all paperwork related to his account

and judgment, once we receive $688.49 from his employer the balance will be

$1,493.27. It is my hope that this will clarify the amounts due and that Mr.

[redacted] will contact our office to make arrangements to clear the balance.

Please provide this response and documentation to Mr.

[redacted]. Should you, or he, have any additional questions or need

additional information, please contact me at your convenience.

Sincerely,

[redacted]. [redacted]

Office Manager