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Craig · Posted: Thu Apr 27, 2006 8:55 pm Subject: ACS

Great forum folks. Having been down this road, may I offer some advice?

First, know your rights, and exercise them.

Don't be afraid of these people, they will howl and scream and lecture you, but they cannot do anything outside the law. If they do, hire a young hungry attorney and sue them.

Remember, you have the power. They are trying to get you to do something - if you decide to do it, do it on your own terms, not theirs. (Of course, know the legal repurcussions of your decision.)

Good luck, and don't be intimidated.

joybaby · Posted: Thu Apr 27, 2006 9:50 pm Subject: I need specifics not general advice

Does anyone know what name ACS uses when processing an electronic debt. Is it ACS, ACHS, Academy Collection Service or Citibank? After reading this forum I am very concerned that my agreed payment has been misrepresented as a payment to clear my dept and I and my family will be harrassed for more and more money.

Posted: Fri Apr 28, 2006 4:23 pm Subject:

Hi joybaby

Explain the situation to your bank and put a stop payment on Academy Collections. You should contact Academy collections and ask them to send you the details of the debt account they have. This will help you understand if they are asking payment for a legitimate account. Written communication with the company is very important here. You need to get the details of the debt before you make any sort of payment to them.

powerstroke7 · Posted: Sun Apr 30, 2006 10:08 am Subject: NEVER

you should NEVER give any collector electronic access to your bank account. NEVER. do you understand NEVER.
If you do pay, do so with a money order. NEVER give them access to your account of even let them know where you bank NEVER. One way to tell if a collector is lying.... you see thier lips moving.. or you can hear them , while on the phone.

guest · Posted: Mon May 01, 2006 8:57 pm Subject: f u

hey acs , read the above

H.Marie · Posted: Wed May 03, 2006 8:52 am Subject: How to contact original creditor

Will an original creditor help me set up a payment plan if a collection agency(ACS) has it? I don't want the collector to receive a commission because they have been harrassing my elderly mother.

Bob22222 · Posted: Wed May 03, 2006 3:22 pm Subject: Imperial Collection Services

Imperial Collection Services has contaced me RE debt with Bank of America (credit card) for $7476.77. I disputed the debt within the 30 days allowed by certified mail with return signature. In the letter, I specifically stated that they cannot add interest or fees to the amount of the debt. Today, I received a letter from them stating that I have failed to respond to their previous notice and the balance is now $7,621.42. HELP. How should I proceed next? Should I write them back and let them know that I disputed the debt within the 30 days? These people are really aggressive. Thank you for any help. I reside in CA.

Posted: Wed May 03, 2006 3:27 pm Subject:

Bob,I would send them a copy of your first letter and also a copy of where it was signed for. Then Ask them to take that extra interest off. Could their letter possibly have crossed in the mail with yours,or did it come a long time after your letter? Best of luck...Karen Smile

Guest · Posted: Thu May 04, 2006 7:20 pm Subject:

Debt collectors and agencies are just a bunch of people blowing hot air, they are powerless, just look at the law, they want to scare you into paying, it is thier only hope that you are scared, as soon as you hang up, they make jokes about you. They don't give a s--t about you or your problems.they are told to take any action possible, lie , stretch the law, or face penalties at a.c.s.. Sincerely a former acs collector

joybaby · Posted: Mon May 08, 2006 1:11 pm Subject: stop-payment

I did manage to put the stop-payment in and I closed that account out. I finally received a varification from them in writing. I was only a three of months behind before my debt was sent to ACS not 6 months. Do I need to get a set settlement from them in writing from which I should send them certified payments?

Posted: Mon May 08, 2006 5:51 pm Subject:

Hi joybaby

Yes, you should have the settlement offer in writing. If the company is having your info, the settlement offer should also be made in a legitimate way and in writing.

Based on this info, you can send payments further and the account will updated in your file after they have been paid. No other company can pursue collections for the same account in the future.

Guest · Posted: Wed May 10, 2006 7:37 am Subject: Horrible People!!

These people are a bunch of jerks. I was turned over to them by my Sears Credit Card. I called them yesterday to make a payment arrangement change to the dollar amount. They flew off the handle. They told me they were not asking for blood, they wanted their money. Then he said don't you have any family? Can't they give you money? I was like, huh? Then after he kept yelling at me he said okay I will destroy the last arrangment that you set up. I asked for a letter of confirmation, he said I'm a man of my word, if I say it was going to be destroyed it will be. I tried to argue but then he hung up on me. Not even 2 minutes later they called me back. Another person, he said he was the floor manager and he monitored that call and he was trying to make different payment arrangements for me. He said he also repremanded the employee for treating the situation the way he did. What a bunch of crap. I also told them that I was going to seek consolidation help to help make those payments and that's when they started yelling at me that I couldn't do that. That nobody would help me. That all interest would be added back onto the account. I can't make my payment of $300 this month, what should I do????

Posted: Wed May 10, 2006 8:10 am Subject:

If you are going to get consolidation help ask Sears if they will take back the account and tell them how Academy treated you. I had a GE Consumer account that was turned over the Academy that I added to my consolidation stuff and GE Consumer took the account back from Academy. I don't know if these creditors know or if they don't care how unprofessional and rude Academy is. Don't make arrangements with Academy if you can get into consolidation and work with the original creditor - Academy should be shut down.

joybaby · Posted: Wed May 10, 2006 10:49 am Subject: Intersting development

Stop payment was viewed by them as a bad check and they charged my other citicard for the bad check charge. Iam not up to my credit limit on that card and haven't used it I have been paying it down. The settelement they want to give me is the difference in my credit limit and the amount they want in cash. I suspect they will just charge the left over balance onto my other card so that I am on the hook for the full amount. Even though I dispute the extra charges on the first card as being excessive and why I refused to pay in the first place. Will they spell that out in the settlement?

phong nguyen · Posted: Thu May 11, 2006 9:43 am Subject:

, This company is ridiculous. they call my father and told him that he owe citibank $4000. I called them back. I talk to this guy name Thomas and ask him about the dispute amount. He couldn't tell me what purchase did my father made, just simply told me that my father owe that amount over the year. I ask him to double check if they call right person, and he tell me the address ( which is wrong), so i told him we have always live in a different place. Then, he ask for my father last four number of social security number, I gave it to him. He told me everything seem match and that there is two address listed. This whole thing seem very fishy to me, I later call them again, this time a lady pick up, She ask for for phone number and Social of my father, but then abruptly hang up with "Thank You" after i gave her his last four ss number and phone number . This whole business leave me wondering if i had accidently provide too much information to them? For all i know, they could be anyone outthere fishing for naive people information and take advantage. What do you guys think?

Joybaby · Posted: Thu May 11, 2006 3:41 pm Subject: New Info

ACS didn't post as ACS or Academy Services they posted as Citibank this caused a bounced check charge on my account which caused my payment to bounce. Citibank my monthly payment was presented to my bank 3 times racking up NSF charges. I called my bank and closed out the account for good. I never authorized the first withdrawal, yes I stupidly gave them my bank information for electronic withdrawal in goodfaith that I would attempt to have the amount they needed and I would call them with an authorization. I didn't collect the money so I didn't call in the authorization but they tried to withdrawal anyway. Which caused the check I had budgeted out for citibank to bounce and cause nsf charges by both citibank and my bank. Most banks require a 24 hour stop payment notification so a stop payment wouldn't have worked anyway. I am glad that I worked to close out the account.

REPEAT ACS posts as Citibank when collecting for Citibank if you should need to place a stop payment.

I now have an appointment with a credit counselor in the morning. I want to get this all fixed in such a way that I can pay back a reasonable amount in a reasonable time. Once I get out from Citibank I will no longer ever do business with them ever again.

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