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In the beginning of June I received a letter stating asset acceptance llc would meet me dollar for dollar on my credit card debt, so my girlfriend called the company and explained to them that this sounds like a good idea. Chris Sutton the representative handling the case said I needed $100 as intent to cooperate. So my girlfriend used her bank account to pay the $100 to get me going, Chris explained that I must pay $773.80 starting next month for 3 months. July came along and I received a letter stating they would be depositing $773.80 to their account from my girlfriends account. This was not authorized by her or me. So I called them and spoke to a representative named Marva who was filling in for Chris Sutton, I explained to her that I do not have the funds at this time and that we did not autorized any automatic transactions from my girlfriends account. Marva explained that they do not take the funds directly out of the account and that the letter should have been worded better. Happy with this answer I ended the call. Two weeks later we noticed the amount of $773.80 was take from my girlfriends account by Asset Acceptance LLC without authorization. So I called on 8/1/2005 and was told by a supervisor Robert (Bob) Mills that they will not give me my money back after explaining that they took it from my girlfriends account without authorization, and that his representatives told me it would be directly taken out of her account. At this time I asked for the two recordings of the conversation he than stated their are none. So I asked how could he possibly know what was said from the representative without a recorded conversation which the representatives told me was being recorded.
So now my girlfriend is out of $773.80 of her hard earned money because of tactics used by this company. All I want is her money returned back to her account but I dont know where to begin to fight this. Asset Acceptance supervisor pretty much acted like We won you lost get over it bye!
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well, i'm coming into thise topic a little late, i might be able to still give some advice here. i see a few FLAT-OUT illegal things going on in regards to this situation.
first, it is against fdcpa law for a collection agency to give out ANY personal information to any 3rd party. a girlfriend/boyfriend is considered a 3rd party. however, it is possible for a 3rd party to call in and offer to pay on someone else's debt. you might want to ask your gf if they devulged any info to her in regards to your debt.
second, all collection agencies must make it clear if they are post-dating future payments. as per fdcpa law, agencies must mail out letter before the payments are to be made, just as reminders. sounds like your gf did receive one of those letters and the rep who simply said it was 'worded wrong' was wrong herself!!
third, not all conversations are recorded. however, in certain states the ca's MUST state if the conversation is being recorded, or COULD BE recorded. that disclaimer MUST BE given in the start of the conversation. also, ca's are not required to play back recorded conversations or send them to the debtors.
while i'm not sure if anything can be done to get the money back from them, it sounds like the ca violated fdcpa laws and they should be reported to the ftc.
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