Debt collection -- Attempts to collect debt not owed -- Complaint #4814215
Complaint Overview
Complaint ID: 4814215
Company: Automated Collection Services, INC.
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: Texas
ZIP Code: XXXXX
Date Received: 2021-10-15T12:00:00-05:00
Date Sent to Company: 2021-10-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I NEVER SIGNED AN ACCOUNT WITH THIS CREDITOR THIS IS NOT THE ORIGINAL CREDITOR .I was never 30 days late. This is a duplicate account US Code 1692e FALSE AND MISLEADING REPRESENTATIONS US Code Notes/ debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation w hich may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends t o take such action.
Frequently Asked Questions
What is Complaint #4814215 about?
Complaint #4814215 was filed against Automated Collection Services, INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2021-10-15T12:00:00-05:00.
How did Automated Collection Services, INC. 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 Automated Collection Services, INC.?
Yes, visit the Automated Collection Services, INC. company profile at readthecomplaint.com/company/automated-collection-services-inc 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.