asset acceptance llc must not have employees with common sense as they have call my residence twice a week for the past 2 months and have yet to realize that I do not care to do business with them. This nonsence that this is not a tele-marketing or solicitation call is a lie. Why else are these people calling. These calls are becoming extremily annoying and hope that someone purges telephone numbers from the auto dialer when no one calls back


An Annoyed citizen of the USA.

[roxette]

Hi kkleczyn

Welcome to the forums. I would suggest you to contact the Federal Trade Commission, Bureau of Consumer Protection, Office of Consumer & Business Education Washington, DC 20580. Phone number - (202) 326-3650. Please file a complaint against the asset acceptance llc for immediate action.

You can also contact your state Attorney General Consumer Protection Office to see what laws are prevalent in your state to safeguard your interest. These calls should stop and you can take your legal step by issuing a written notice to them stating that you are not interested in keeping any modes of communication with them. Inform them that you are tape recording all the verbal communication and will be filing a case against them.

Regards
Roxette

the call is placed to my home number from 1-866-608-0400. it is always a voicemessage, even when i pick up. i finally called tonight and was harrassed about an alleged debt of under $100 for Blair Company. what disturbs me most is that the woman on the phone said that to prove that debt is mine she would give me my social security number - and promptly rattled off the last four numbers. she wouldn't transfer me to her supervisor.

i am concerned about identity theft - especially in light of recent events concerning credit card info being hacked into.

what is more interesting is that this or a similar company has called my work phone number. when i got someone on the phone who had some savy, we discovered they were looking for a former employee who must have left at least six years ago but used this number as a contact one. and i work for a municipal government agency.

[peter]

Hi gk

Welcome to the forums.

Firstly Asset Acceptance Corporation has violated the rules and regulation of fdcpa. The creditor or the collection agency should validate your debt and then only question of payment comes. The woman with whom you had a telephonic conversation should not utter your Social Security Number. This because your SSN is highly confidential and there is every possibility that you may be the victim of an identity theft. So you have to very alert from now onwards. Please check your credit report and your bank account at regular intervals. These are basic precautionary steps to prevent yourself from identity theft. You should consult an attorney and he will guide you in the right direction.

To know further about FDCPA rules and regulation and you rights please click on the following link. www.debtconsolidationcare.com/fdcpa.html

Hope to hear from you soon

Regards
Peter

[roxette]

Hi Gk

Welcome to the forums. Fraud alert will help you to keep a check on your credit account if anyone is trying to misuse it. You can contact the fraud department of each of the credit bureaus and ask them to flag your credit file for fraud. You can use your cell phone number so that the creditors can get in touch with you easily.

Once a fraud alert is activated, the three credit bureaus will share data within themselves.

All the credit and insurance companies will remove your name for any offers for a period of 2 years.

Each of the credit bureaus will send you a credit report within 14 days.

The fraud alert will be there in your credit report for a period of 3 months (Experian), 6 months (Equifax), and 12 months (TransUnion).

Regards
Roxette

Asset called this week and asked for me by an old name of mine. They said they had a record of a 10+ year old old debt that I do not recognize. They read me a social security number. It's very creepy. I called the credit agencies and put a fraud alert on my account. Should I be calling my bank, too? Someone else?

[ben]

Did Asset send you any written document describing this account? Ask them to verify the said account.

You can inform your bank about this incidence so that they do not withdraw money from your account illegally. Also, file a police complaint against them. It will be more than helpful.

i just checked my voicemail and got 2 messages within 3 days from someone. when i googled the number 866-608-0400 i came up with this site. i was a victim of identity theft and i am concerned. any thoughts?

[roxette]

Hi SCOTT

Welcome to the forums.

It seems that Asset Acceptance is trying to recover a past debt from that person who stole your identity with the help of your previous SSN#

Talk to them and inform about your situation. If they insist, ask them to send their claim in writing. Later, you can send a copy of your identity theft and other necessary papers that can prove your part. Make sure that you send the correspondence in writing through certified mail with return receipt requested. This way you will be able to keep a record of everything.

Have you received a new SSN# from the social security department? Also, did you inform the fraud department of the three bureaus and put a check on your credit file? There are ways to deal with your stolen identity. I hope that you will take necessary actions to prevent your identity from being misused.

Regards
Roxette

I am so glad that I came across your forum here. I received a call from these people using a former name I haven't had in over 15 years. Since reading all of your comments I will immediately proceed to put a fraud alert on my bank accounts and credit cards and contact the credit bureau. :x I received no written notification about any debt. My ex-husband is dead so I know that this is fraud.
Thanks :?

[ben]

Hi GRITS

You should ask Asset Acceptance to give you the debt validation of the said accounts. The accounts mentioned seem to have past the SOL period and 7 years reporting time as per the FCRA laws in anyway. So, you are not required to pay this debt at all.

Before putting a fraud alert, first check your credit report and see if the agency has hit your file negatively or not. If they haven't, do not activate this alert. Handle them manually by asking for debt validation and send a cease and desist letter.

As per the fdcpa laws, the company is required to stop all collection efforts after receiving your letter. If they try to contact you, it will be violation of the federal laws and you are in charge of taking legal actions against them.

If the calls placed to you are regular, you can start recording them even. List the names with dates and time on it. This will make your legal charge stronger.

I have also been receiving several phone calls a week from 866-608-0400. However, I have never called them back. Then lately I received a phone call asking me to call back 866-801-0004 (allied interstate) and give them a reference #. After finally deciding to call 866-801-0004 today, the woman on the line told me I would have to call another # 800-833-5313 because she could not open my file.

These calls are extremely annoying; not to mention from the research I've done - it sounds like these calls are from a collection agency. I don't even owe any money...except for the fact that several years back I had a fraud alert to the credit agencies for cell phones that were purchased in my name (not mine). One is still on one of my credit reports...I'm working on getting it taken off.

I keep getting voice recorded messages from 866-608-0400, over and over. I told them they have the wrong person and wrong phone number and they continue to call me. I have spoken with Katy and Holly who assured me my number would be removed from their system but I am still getting calls. One day I called them from my job and they tried to convince me that my work number was tied into my home number. This is a lie because I just started working here a week ago. Their calls are very annoying, any suggestions?

[ben]

Kevin

Take the legal help if these calls are not stopping. Talk to your lawyer and file a class action lawsuit against them. You can also start recording the phone calls with dates and time. Inform the caller that you wish to present these details to your lawyer and file charges against them. The legal actions will keep them in the best of their behavior.

Two days ago I received a very strange phone message. The woman on the other end was talking so fast that I had no idea who she is or what company she represents. She talks so quickly at the end of the message I had to listen to it several times to get the 866 number. Your website is one of the more informative hits.

From the other people who have encountered this company they seem to be very persistant. When they call back what should I ask from them in terms of my personal information, my account information and what legal actions can they bring against me?

Thank you

[roxette]

Hi Ed S

Welcome to the forums.

Asset Acceptance is one of the worst collection agencies in the industry. Make sure that you are completely alert before making any agreement with them.

This company might be calling you for one of your past debt. Ask them to verify the account they have with your name, address and SSN#. Don't give anything from your side in the first place. Let them say it for you. Once you have received this call, you are supposed to get the details of this account in writing as well. After they have verified your name correctly, tell them that you will like to see the details in writing.

The fdcpa law protects your consumer rights and you can refuse to pay the debt before it has been validated. After you have seen the details, if you find anything that is incorrect, you can place the item on dispute with the company. The company will verify it with your original lenders and then give you the corrected details of the account.

Check the state laws and see if this account is within the SOL period. If the debt is out of the statute of limitations, you can't be entered into a lawsuit and also, refuse to pay the debt legally.

Ask the company to do all the future communications in writing only. You don't want to be called at your home or work. If they are not keeping your request, you can write a legal cease and desist letter to stop further communication with you except by mail. This will protect you from any harassing phone calls in the future.

Do not fear while talking to them. Be confident and be aware of your consumer rights. You will be able to handle this collection agency very efficiently if you are aware of your rights. Do all your correspondences through certified mail with return receipt requested. You will have a proof of all your actions taken. If you have any problems, feel free to post it here.

Regards
Roxette