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Has anyone ever dealt with AIS Services LLC?

Submitted by Jenn on Wed, 06/13/2007 - 22:32
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Has anyone ever dealt with AIS Services LLC? I kept getting automated voice mail messages from them so I decided to call back and find out what they were calling about. I was told they were trying to collect on a payday loan (I can't remember the name) from 2005. At first they were really nice with me but when I was transferred to my "case representative" she began calling me a liar and yelling at me and being very rude. I asked her why she felt that she had to be mean and nasty with me when I was being nothing but nice to her and trying to deal with the situation. She said that she deals with "people like me" all the time and she's heard all the stories. I told her that I did not recognize the name of the payday loan company, I had not had any outstanding payday loans in 2 years, and that the ones I did have had all been paid. She continued to get nasty with me and I told her I had nothing more to say to her until she sent me something in writing as was required by the fdcpa. She got REALLY nasty and told me they did send something to me. When I asked her what address, it was an invalid address. She kept screaming at me and I hung up. First thing this morning, I sent a validation letter to AIS Services via certified mail to dispute the debt.

I am a little nervous because I checked the Ohio Secretary of State website and saw that AIS is registered to do business here and the court dockets revealed that they have sued a lot of people. I do not want to get sued but I think that the payday loan company, since it was an internet company not licensed to conduct business in my state in the first place, and who charged an illegal interest rate, would not be able to sue me here in the first place. In either case, the amount I supposedly owe is $595 which is a laughable amount to actually file a lawsuit over. I can't decide if I should just pay the money to make them go away or fight. I am reluctant to pay because another company, after I paid them over $500, sold my debt to like three other collection companies and I had to fight them to get them to close the accounts for something I already paid.

What should I do?


Jenn, don't be afraid while talking to the collectors. They have to follow the federal laws and they can't collect from you until they prove their authorization. Make sure they give you all details of this account before you send money. It should mention all your previous payments done on the account along with the outstanding balance. If you see problems while dealing with them, take the help of your state AG. These collectors behave well when they know the AG is involved.


Submitted by fatb88 on Wed, 06/13/2007 - 23:17

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troll-spew deleted - Uncle Wulf


Submitted by on Sun, 03/02/2008 - 03:35

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??????
I have to laugh...these guys never seem to see the whole point. Liker the OP mentioned they were trying to collect over 500 bucks, likely on an illegal loan that was originally like 200 bucks!
Whine whine. Pay your bills. Whine whine.
How about
Whine whine: conduct business legitimately. Whine whine.


Submitted by goldenbast on Sun, 03/02/2008 - 06:15

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right you are goldenblast,ais is a collection agency that focuses in pdl debt.they contacted me about paydayloan yes,that is until my ag got involved.

the new mantra will soon be.
whine whine the ag's are making us adhere to the law whine whine.


Submitted by paulmergel on Sun, 03/02/2008 - 06:22

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First of all - I would never take out a loan without the intention of paying it back. As I stated in my posting, to my knowledge, this debt was paid off years ago. Before AIS contacted me last year, it had been at least 2 years since I paid back all my payday loans. I had not heard from AIS in at least 2 years. They then called and began harassing me. I sent them a validation letter and they never responded. That seems to me to mean that they could NOT validate the debt. If it was a legitimate debt, they would have responded and sent me documentation of the loan and how much was paid back and how much I still owed. Additionally, I was suspicious because it had been so long and because I had already experienced other illegitimate payday loan companies who actually sold my debt to a collector AFTER I HAD ALREADY PAID THEM! I actually ended up paying on one debt twice because I didn't request to validate the debt and did not realize until after it was paid, that I had already paid it to the original creditor.

All AIS had to do was validate the debt and provide me with documentation that I still owed the debt. If true, I would have been more than willing to work out a payment plan or settle the account.

I do not like the implication that some have made that I would actually take this money out and try to escape from my obligations. Also, why would it take AIS over 2 years to contact me and then after I assert my rights and request a validation, would they not respond. You draw your own conclusion.


Submitted by Jenn on Sun, 03/02/2008 - 11:16

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Please do not allow this company to make you pay for a debt that has already been resolved. If you have and know you have paid this debt, then stick up for yourself. Do not allow this company to make you pay for something that you have already paid for. I had to pay a loan company (not a payday) for a debt twice and it cost us an extra $2000. Do not be a victim of this. Stop them now, so others will know that they can fight for something they have paid for and do not have to pay for twice.


Submitted by on Wed, 05/14/2008 - 13:46

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I checked my credit report today and found this AIS Services placed a negative notation on my credit report regarding Zipcash saying I owe $295. I never received anything in writing from them. I thought it was against the law to place something on a CR without validating. I am disputing this. Should I also send validation to AIS Services?


Submitted by scooter on Sat, 05/31/2008 - 15:34

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Yes, you need to demand validation from them immediately. There's a very good template for the letter here. Be sure to include the enclosure, and send the whole thing CM/RRR.

Wait a week or two after they sign for the DV letter, then dispute the tradeline with the CRAs. It's illegal for the CA to verify the tradeline to the CRA without sending you validation first.


Submitted by unclewulf on Sat, 05/31/2008 - 16:01

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I went to visit my Great Grandmother, during the visit the phone kept ringing, when i asked her why she didn't answer she advised that a bill collector was calling for one of her daughters who has not lived at the home for more than 35 years. She advised that the Same (Mr. John) had been calling for weeks. Each time he called he became more and more aggressive and disrespectful. Eventhough she advised him that the debtor did not live there and to please stop calling her home, HE CONTINUED, beginning @ 7:00 am. I called him back to advise him that she is an elderly person who is not in good health and the stress of the calls are aggravating her condition. He attempted to asvise me that he has never spoken to her but has left messages. At that time I connected a conference call with my great grandmother and Mr. John. She corrected him by telling him that she had spoken with him earlier in the morning and has requested him to take her off the calling list. I advised him of my Law Enforcement Position when he abruptly disconnected the call.
Eventhough "Mr. John Smith" was caught in his lie he would never agree to cease calling her home. In the event he or any one else from AIS calls her home they will be sued because the call was recorded and the request was made. I really don't see how the telephone pushers feel that they have the right to yell,insult and disrespect the people that they are utlimately trying to get money from.


Submitted by on Thu, 04/16/2009 - 12:28

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IF anyone wants to contact the manager of AIS services his name is Alan Gildbert Minard and his number is 619-847-8325 thats his cell.....the OWNER'S name is Peter forgot his last name but they both run the place. Alan will ie so if you have a phone recorder while talking to him about your debt ....make sure its on so you can sue them for FDCPA violations. His office number is 858-225-6790 and their fax number is 415-651-9333


Submitted by on Wed, 05/13/2009 - 18:33

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my husband just go served by AIS and it says it takes place in 2007 which i was with him at that time. but i dont remember him getting 11,000 dollars from anywhere. NOw we are paying on our one payday loan and only have a couple of payments left. how do i find out exactly what on his credit


Submitted by on Sun, 06/07/2009 - 08:33

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I have read these posts and have two questions. First, I thought that PDL Loans couldn't/wouldn't go on your credit report since the companies only use telecheck and not the normal credit agencies? Second, I was also recently contacted by AIS and I am nervous by some of the posts stating that AIS will actually sue. I live in WA, can AIS sue me in WA? To the person (nikki707) who said that AIS just seved her husband, how was he served? Did they just send a letter via us mail or was it served by a police occifer etc? How do these agencies typically serve someone and how long before they will sue you? According to the letter i received from AIS, they said my account was assinged to them on 12/29/09; however, this week was when I became aware.


Submitted by on Tue, 06/09/2009 - 07:37

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Is AIS related any way to Financial Accountability Association OR Federal Legislation of Unsecured Loans? They are calling me threatening me by saying "oh you don't believe me? sit at home for a few hours, they'll be there. See what happens!" and then hung up on me. Then I called back and spoke to Dan Wilson "Senior Attorney" - I posed as some nameless "attorney" and just tried to pry information out of him because he refused to give me any as ME. He told me that I was to appear in court at 11am this coming Tuesday and that documents were sent to my employer and my home. He told me several things that technically he shouldn't have because it was private information. He then said I would receive a warrant in the mail. I asked him what the warrant was for and I couldn't understand his accent. I also asked what address he had on file for "my client" and he said that he didn't have an address on file because the "client" wouldn't give it to him and that he has to do a goole search and sort through a bunch of legal documents to find it. I should have recorded the call because I told him I moved and asked him to send me documentation or debt validation and he refused to take my address! I asked for the address to the court and he said a few numbers and mumbled the res.t He said it was the Supreme Court of CA. I also asked for his bar number and he gave it to me. I went online to an official website and it belongs to someone else!! I called that number and it was an American commpany- legit and all the contact info was different. So I called that number and left a message asking for a call back because someone is using his bar number to harass people.

They also call me 3 times in a row every day at 5 am. SO I called back and said please stop harrassing me. This "senior attorney" hung up on me multiple times. SO I call back to talk to them about these accusations against me and he said "why are you harassing me". Are you kidding me?

How do I see if they are legit and to see if they were able to sue anyone? I think they are related to AIS because I was searching this website and every time I typed the name AIS came up.


Submitted by gp on Sat, 08/01/2009 - 10:05

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get lost shill.AIS is as licensed to collect debt as i am.as stated before.they illegaly put two illegal pdl's that i overpaid on my CR.needless to say all three deleted the entry.if not your wonderful ham and egger would have been sued by me.your former employer should be sued out of business.


Submitted by paulmergel on Sun, 08/23/2009 - 15:13

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My wife had some debts from her first marrige,ais was one of the collection agencies,we settled in full with them 2 months ago by phone, and got a confirmation number.they are still calling me to collect!! so i contacted a supervisor who told me yesterday that our account was settled, paid in full, and we would not hear from them again.this morning they called again saying ,no the account is being disputed and is not paid in full and i must be confused,so i asked to talk to the supervisor again.he told me the agents dont read all of the notes on the accounts.the agent treated me as if i was lying or stupid and never returned any of my calls to him,but its ok for him to call my residents and wake up my 5 month old son as often as they feel like doing.2 months and they cant tell me where my money went or if i even paid.when they called us a month ago trying to collect and we talked to a supervisor he said he would look into it.he said he got no responses and he would physicaly go to the accounting office to get answers.dont trust them with your money get names phone numbers extensions and time and date if you pay them any money.i have never delt a more disorganized company in my life.


Submitted by on Fri, 12/11/2009 - 09:53

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AIS Services is a joke. if you continue to receive calls inform the collector that you want AIS to produce the documents that you owe this debt. if they dont they cant do anything to collect the debt. when AIS purchases credit card debt they do not get the documents from the originating credit card company. hope this helps.


Submitted by on Thu, 02/11/2010 - 22:44

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I dealt with A.I.S. 2 years ago, and had an account which wasn't mine closed and taken off my credit report. Luckily I still have all the information, for they just sold the debt (which really was not mine) to another debt collector. I would think that it would be illegal to sell a closed, fraudulent account by reopening it!


Submitted by on Wed, 03/03/2010 - 05:07

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Quote:

Originally Posted by Anonymous
I dealt with A.I.S. 2 years ago, and had an account which wasn't mine closed and taken off my credit report. Luckily I still have all the information, for they just sold the debt (which really was not mine) to another debt collector. I would think that it would be illegal to sell a closed, fraudulent account by reopening it!


yes it is illegal.you need to go to NACA.NET and find a consumer attorney who will sue this bottomfeeder on a contingency basis.time to teach a scum collector a lesson.


Submitted by paulmergel on Wed, 03/03/2010 - 05:18

paulmergel

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Quote:

Originally Posted by paulmergel
yes it is illegal.you need to go to NACA.NET and find a consumer attorney who will sue this bottomfeeder on a contingency basis.time to teach a scum collector a lesson.

I got them on the phone. Apparently I had disputed with a third party (law firm) who was collecting for AIS for MBNA. When the law firm excused my debt, telling AIS there was no chance of getting money due to not being my account, AIS took the account back and sold it to another "law firm".


Submitted by on Wed, 03/03/2010 - 08:59

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Quote:

Originally Posted by Anonymous
I got them on the phone. Apparently I had disputed with a third party (law firm) who was collecting for AIS for MBNA. When the law firm excused my debt, telling AIS there was no chance of getting money due to not being my account, AIS took the account back and sold it to another "law firm".


okay,send copies of your info to this law firm.then sue AIS as what they are doing is illegal.you have no account,and this is a bottomfeeder.


Submitted by paulmergel on Wed, 03/03/2010 - 09:03

paulmergel

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I just got a call from them, I'm actually excited at the opportunity to see what they are trying. I used PDL about 5 years ago, twice I think. Then it became too expensive and I stopped using them after paying them off. I don't owe on anything else, so I'm hoping they come up with something imaginative for me. It should be fun talking to them tomorrow! I kind of enjoy being able to have the deck stacked in my favor, with all the good cards in my hand.


Submitted by on Wed, 03/17/2010 - 20:13

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AIS called me a few times trying to collect on an old PDL from a company called timberhole. I had paid what I had borrowed and then some, but they were illegal, and I told Matt from AIS that they were collecting on an Illegal loan and they needed to stop calling and harassing me. Matt appologized, didnt push it or argue, so must have known he was collecting on an illegal loan. Never heard a word since and that was back in november of 09. so I guess we will see if its really over, or if it gets sold to another agency.


Submitted by on Fri, 03/19/2010 - 08:20

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Can you guys tell me what to do? AIS LLS is harrassing me daily with rude phone calls. I have never heard of the company and have never in my life taken a loan of any kind from anyone. I owe nothing to nobody and never have and not only that but I have never heard of such a place until they began trying to say I owe them $400. I am very angry and I tell them as much. I am not polite and I dont think I should be. They call me and I tell them to f*ck off and leave me alone but they keep calling and now they are calling my work? How did they get my work number and how do they know my full name and cell phone number? How are they getting away with this? What can I do? Do these people actually have a building where I can go and confront someone face to face? I would much love to see them be this rude to me in person. It would make my day to put them in their place. I wont take this kind of harrasment at my place of work, and I will gladly confront them physically if necessary. This is beyond harrassment that they call me and take me away from my job to demand I pay something that I have nothing to do with. The fact that they are rude as well is making my blood boil. Help me figure out how to stop this or if you have an address where I can find these people calling me in person then please offer me the adress.


Submitted by on Fri, 03/19/2010 - 20:57

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. I keep getting calls (messages, I don't answer) from different people who say different things. I think that only one has mentioned AIS, or I wouldn't know what to look for online. If they won't identify themselves or what they want me and my call for, they can suck my debt all they want.


Submitted by on Sat, 03/20/2010 - 14:23

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I have recently dealt wit AIS. I called about a payday loan on my credit...they took my info for payment..I called back to check on the payment they told me that my account was outsorced and they did not own it any more..well both compaines charged my card...now I think some one from AIS stold my account info..not sure where to go from here


Submitted by on Thu, 07/29/2010 - 18:24

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Quote:

Originally Posted by Anonymous
Why don't you report them? If you are being defrauded by this company.


they should be sued if they defrauded someone,but should be reported for harrasing people about illegal debts.in fact alot of people have reported them as i have.this forum is also to share experiences as well.don't assume because people post they haven't filed complaints.


Submitted by paulmergel on Tue, 08/24/2010 - 11:14

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I had an old PDL that was considered illegal in my state. I paid the principal to the "attorney" that was representing AIS and received a settled in full letter. Today (5 months after completing the payment arragements), AIS called my workplace saying I still owe another $414. Does anyone have an address for these people?


Submitted by on Fri, 08/27/2010 - 11:52

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I used to work there- DO NOT PAY THEM- how it works is- they buy your debt for PENNIES on the dollar. That's how they make $$. Example- if you owe $1000, they bought that debt from the bank for about $200. They call you and try and negotiate to get your $$. Don't let them, you're just making them rich. I say, don't pay it, dispute the charges with all THREE credit bureaus until its off of your credit report. Dont' give them a dime, they are scammers. They run out of San DIego (where I worked), they don't even pay or treat their employees right.


Submitted by on Tue, 11/23/2010 - 16:53

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They sued and filed a judgement because of a defalted payday loan 3 years ago. I never received a summons although on the court website it said that it was served to me. Anyways. I now have a judgement on my credit and court record that I am going to have to filed bankruptcy on.


Submitted by on Mon, 01/17/2011 - 00:47

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Before filing bankruptcy, you should contact an attorney and check out if you can prove the fact that you haven't received any summons. This will help you know whether or not you can fight a case against them in order to change the judgment. If the attorney cannot help you in that, then you always have the option of bankruptcy filing open.


Submitted by Anna Sweeting on Mon, 01/17/2011 - 01:58

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I got a call from AIS around this time last year. I didn't know who it was & I answered it. The guy was so mean, he was screaming at me. I couldn't get a word in to even ask what he was talking about. I finally got sick of his screaming & I told him this was harassment & I would sue him if he called back. Well it's been about a year later & I just got another call. Didn't pick up, let the machine get it.

I have never received anything from them via snail mail or email. I have only calls. I also have never in my life taken out a payday loan. I didn't even know what it was until I googled it before writing this. I don't want to call or write them because I am afraid that would acknowledge that I owe them something. But, I don't want to be sued/harassed by them either. What should I do? any advice?


Submitted by on Fri, 04/08/2011 - 16:42

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