Debt collection -- Took or threatened to take negative or legal action -- Complaint #4713606
Complaint Overview
Complaint ID: 4713606
Company: Commercial Acceptance Company
Product: Debt collection
Sub-Product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened or suggested your credit would be damaged
State: Pennsylvania
ZIP Code: 15213
Date Received: 2021-09-12T12:00:00-05:00
Date Sent to Company: 2021-09-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Account name : COMMERCIAL ACCEPTANCE CO Creditor : XXXX XXXX Date : XX/XX/XXXX Amounts : {$2400.00} Repeatedly posting balance update : XX/XX/XXXX Previously called when I was a XXXX XXXX and threatened said debt would seriously damage my credit and reputation, used scare tactics and abused the ignorance/innocence of incoming students. Downplayed the lease duration as an issue, citing " very easy to find sublet as a popular student apartment '' at the beginning of the semester even though I have clearly mentioned " I will transfer in half a year ''. Where in fact, a lot of students do not want to move there due to horrible reputation of the management of the apartment complex and it is XXXX semester, which is well-known the students at the campus at that time. There are numerous complaints online against their management style and is publicly available on XXXX maps. XXXX back then can vouch for said statement.
Frequently Asked Questions
What is Complaint #4713606 about?
Complaint #4713606 was filed against Commercial Acceptance Company regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2021-09-12T12:00:00-05:00.
How did Commercial Acceptance Company respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Commercial Acceptance Company?
Yes, visit the Commercial Acceptance Company company profile at readthecomplaint.com/company/commercial-acceptance-company to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.