Debt collection -- Attempts to collect debt not owed -- Complaint #4928956
Complaint Overview
Complaint ID: 4928956
Company: Affiliated Collection Services, LLC
Product: Debt collection
Sub-Product: Medical debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: New Jersey
ZIP Code: 07424
Date Received: 2021-11-19T12:00:00-05:00
Date Sent to Company: 2021-12-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This company completely disregarded everything I have initially disputed with them via correspondence. According to YOUR DOCUMENTS attached you have written " THIS COMPANY IS A DEBT COLLECTOR '' on the bottom of your letters. You are trying to come off as a legally bind company with ME but you are not. I am aware that I was violated. As a natural person who is federally protected. I am notifying you that you have help damage my name and my reputation. Your corporation has offensive activities towards me as a consumer, such UNAUTHORIZED use that did not serve me any benefit. I have been violated as such, the truth and lending act 15 USC 1692C ILLEGAL TO COMMUNICATE, 1 5 USC 1692 ABUSIVE PRACTICES OF DEBT COLLECTIONS you violated MY privacy and only I deem what is private to me. 15 USC 1692 G VALIDATION OF DEBTS you do not have permission to say I owe anything because as natural person and according to the TILA I validate debts because I am original consumer. This does NOT allow debt collectors to obtain a copy of " original contracts '' as I DO NOT have contracts with accurate collections services not have granted that permission. As per congress, you violated me, your corporation is criminally liable pursuant 15 USC 1611 because your corporation willingly knew that you were complying to a transaction that is fraud. It is a violation as per 18 U.S. Code 241 for two parties to come together and conspire against MY rights as consumer. You DID not follow my requests, you willingly chose what to follow and what not to follow. I specifically stated Pursuant to 15 USC 1692 c. ( C ) ( 2 ). I am invoking my specified remedy as a consumer, and original creditor I am demanding all the following : 1. Zero out the balance of the ALLEGED debt. 2. deletion from all your files. ZERO OUT MY BALANCE and DELETION of my illegally obtained documents from your files and accounts. I have NOT granted permission for my information to be given out as I do not have dealings with you or your company. You have violated my rights over and over again
Frequently Asked Questions
What is Complaint #4928956 about?
Complaint #4928956 was filed against Affiliated Collection Services, LLC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2021-11-19T12:00:00-05:00.
How did Affiliated Collection Services, LLC 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 Affiliated Collection Services, LLC?
Yes, visit the Affiliated Collection Services, LLC company profile at readthecomplaint.com/company/affiliated-collection-services-llc 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.