Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:29/11/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Good Day. I am reaching you to complain about Action Collections (ACRM). * **** ***** *** **** ***** ********** ***** **** ** **** *****  They have been persistently ******** ** about a Debt collection for an ***** Furnace I had installed in my Residence in Orkeans Ont back in 2013. I entered into a financing agreementand with a finance company called **** *********. ACRM is claiming that the parent company to **** *********, ****** *********, has a collections file with them for the amount of the furnace, saying i never paid. I had a Pre Authorized agreement to withdraw payments from my bank account and even updated them (****) when I switched banking instutions. I called ACRM today to discuss, their calls to me are now URGENT. They asked for all kinds of verification info, address, phone; etc and I refused. They already have this. They could not continue discussing the file because I refused to give them the info for verification. Through email I have asked for answers, how come after 11 years I am now being told i have not paid at all. * *** ******* *** What happened to the payments I know I made ti ****, etc. No reply from ACRM. ****** **** **** **** ********** *** ****** * *** ******* ***** ** *********** ******* **** ****** ** **** ** ** ******** *** ** * *** ***** ****** ** ***** ** ******

  Business Response

  Date: 02/12/2024

  Thank you for reaching out.

  Our Agents are required to comply with PIPEDA legislation; for your own protection a complete verification process is required during each contact with our office.

  As you know, you have already been supplied with proof of debt - including your credit application, credit agreement and transaction records as provided directly from your creditor.

  For your records, we are again ********* proof of debt.   Please contact our office to conclude repayment of your debt obligation.

   

  Regards,

   

   

   

   

  Customer Answer

  Date: 04/12/2024

  
  Complaint: ********
  
  I am rejecting this response because:

  Good Day BBB and ******** ** Thank you for your recent correspondence regarding my complaint against ACRM. * *** **** *** *** ***** **** **** *********** They responded with a copy of my original contract with **** *********, which I fully acknowledge as being a representation of the contract that I ********** entered into with ****, back on 13  April 2013, over 11 years ago now.

  They also include my Consumer Proposal that I alerted ACRM to, in my efforts to help clarify and resolve this matter. I note that ACRM did not include any of the email correspondence between them and me where I have supplied them with supporting comment and documentation to help prove that their collection action against me in fact is wrong as I see it. **** ** ***** *** ** ******** ** **** * ** ****** ** ****** ** ***** *** **** *** ** ****** ****** **** **** ** **** **** ****** ******** ** *** ***** ***** **** ******* I have repeatedly told ACRM that I had a Pre Authorized payment agreement with **** ******** (never heard of ****** ********* ***** before this). I could not have gotten financed without it. That was 13 April 2013 when I provided the Pre Authorized void cheque from ** ****, as per the terms of the financing agreement. I know for a fact that **** was with drawing monthly payments from my bank account. ACRM knows about this Pre Authorized agreement, they are the ones who provided me with a copy of the void check that I provided back in 2013. I do not have bank records from back that far to show the payments having been withdrawn. Nor are there electronic statements available from **, back as far as those years. I may be able to get something from the Branch where my accounts are **** * ****** ** ****** ** *** **** *** ****** Now that I have a copy of the void cheque to reference.

  Furthermore, on 4 October 2016 (as a result of my Consumer Proposal) i sent **** ********* updated Pre Authorized payment instructions as I had changed Banking institutions, from ** to ***. This is hardly me avoiding payments and living up to my obligations under the contract with ****. Matter of fact, after a bit of back and forth emails, **** ********* acknowledges the change of Pre Authorized payment information and states the following (on 28 Oct 2016):
  

  Quote: "Thank you for contacting **** *********
  We can confirm that the bank account on your **** ********* account has been updated. Future payments will be deducted from here accordingly. Your next payment is scheduled for November 1st in the amount of $50.83.
  
  Should you require any further assistance, please feel free to contact us directly at the toll-free number noted below.
  
  Best regards,
  
  Customer Service Team 
  **** ********* Group
  Toll Free:**************
  Consumer <********@*************.com>
  Fri, Oct 28, 2016, 10:48?AM ".

  End Quote:
  
  ****, acknowledges that they have been taking payments when they state the FUTURE PAYMENTS will be deducted... and that the NEXT payments will be deducted...

  This has all been provided to ACRM *** **** ****** ** ****** *** **** ** ****** ** ******** I have repeatedly asked for clarifications but ACRM ******* ** *** insists on payment in pretty much every email. ***** **** ****** ** ***** **** ** *** ******** ********* ***** ** *** **** **** * ****** *** ********* ***** *** ***** *** **** ***** *** ** ************** **** ***** ***** ** ***** ** ** **** ****** ****** **** **** 11 plus years after signing the contract in 2013, that I am NOW being told that i HAVE NOT MADE PAYMENTS and the debt is outstanding. 11 years and no attempt to contact me about the payments. Especially when I am all but proving to them otherwise.  On another note, I tried contacting **** *********, the office I was dealing with, to get records and clarification. ********** they are Permanently Closed.

  As far as I am concerned I have met my legal obligations for the contract for the ***** Furnace, which I still have.

  I have ********* ** ****** copies of my email correspondence between ACRM and myself, for you to see. * *** **** **** **** ** *** ********* ********* ** ***** * ****** ****** *** ******* **** *** * ******* ****** *** ** **** ** * *** **** *** ***** ** ****
  

  * *** ***** ** ******* *** ******* ********* ****** ***** ** ** ******** ** **** ***** *** ******** ******* ** *** ** **** **** *** ******** ** **** ****** *** *** ******* ** **** *** ****** ********** * ** *** **** *** ** ** ** ******* **** ****** *** *** **** ** ***** ** **** **** *** ** **** *********

   

  Kindest Regards

  ***** ** ******

  Veteran

   

  Business Response

  Date: 04/12/2024

  Thank you for your email -

   

  We have ***** ******** a statement showing all payments received by your creditor.  The loan was not paid in full.   The debt is owed and payment is expected.  We are happy to work with you on a repayment schedule or a compromise settlement.

  As previously indicated, if you have record of any payments not on the ******** scheduled - please provide them
  

  Regards,

   

   

  Customer Answer

  Date: 05/12/2024

  
  Complaint: ********
  
  I am rejecting this response because:

  ***** *** **** ***** ************ *** **** ********* * ***** **** ** **** ** ******** **** ** ********** **** ***** * *** ****** ******* ** ************ ********* **** **** ********* *** ***** ********* ** ** ***** ******** After about a month ** ************ ********** **** ***** *** ***** ****** * ********* **** **** **** we find out now that ACRM already had documents supporting my claim that I was indeed making payments, monies were collected from me, I had all contractural agreements in place for **** ********* to withdraw Pre Authorized payments from my accounts. I have ******* demonstrated that I acted in good faith to meet my end of this contract. Yet ACRM repeatedly has asked for and continues to do so, to ****** full payment for $4370.94. Matter of fact I received a new request for payment yesterday just  a few hours after I received the latest BBB response with the ACRM ********** showing my payments from 02 05 2013 through to 30 03 2015. **** *** ****** **** **** *********** ** **** ******* ****** *** *** ** *** ****** ** ****** ************* Since this whole issue began for me they have been *********** *** **** *********** * ** ****** ** ***** ** **** *** *** insists that I have not paid for the furnace I had financed, and continues to demand full payment. ** * **** **** *** **** ***** ** *** * ***** ** **** **** ****** **** ***** *** ** ***** ****** ** ** ** * ****** *** ******** ** **** ***** ******* ** ****** ***** **** *** ** ***** ***** **** ***** ******* **** * ** *** ** ***** ** **** ******* If payments were not taken from my accounts then why not. ******* ** ***** ***** ****** ** ** ***** **** *** ****** ********* ****** ** ******* ** **** ********* *** ******** * **** ** **** **** **** *** ** *** *** **** **** ** ***** ******** ********** *** ** * *********** *** *** I had everything in place as required under the contract. **** ***** ** ** ********** ** ** ******** ** ** *********** ***** *** ******** **** **** ********** All my interactions were with them and not ****** *********. ** * **** ********** I met my contract obligations in providing Pre Authorized payment information, on 2 occasions. On another note, the list of payments that is now proven,  that ACRM provided yesterday, stops at 30 Mar 2015. ** ****** **** ***** ********* **** ** ************. From 30 March 2015 up to 28 October 2016 (19 Months), when **** acknowledges receipt of my *** Pre Authorized payment information, there is not 1 mention of me having missed 19 months of payments. (based on ACRMs provided list of payments made). Matter of fact **** states that FURURE payments will now be withdrawn from my *** account, and the NEXT payment will come from there. There were also several prior emails between **** and myself prior to their acknowledgement of my new banking information and still no mention that I was missing payments. How could I if they had the Pre Authorized right to withdraw the payments.I have never ever been notified by either ** or *** that there were insufficient funds to cover a **** payment. If, as ACRM is attesting that my last payment was 30 March 2015, you mean to tell me the parent company ****** ********* and **** ********* as well waited 9 years, from 2015 to now 2024 to alert me. AS far as I was concerned the furnace and contract was paid in full some years ago now. ****** ** **** * ******* ****** ****** ******** * ******** **** **** ******* ***** *** ****** **** *** ******** *** ********** ** ****** * ****** **** *** ** *******

  There are still many unanswered issues here. * **** ** ** * ** ***** ********* **** ***** ****** **** *** **** *** ***** **** ** ** *****

  ** ***** ** ** **** ****** ********* *** **** ****** ** ******* ********** *** ******* *** *** ******** ** ** ******** ** ** ******** **** ***** *********** **********  **** * ********* **** ****** ** **** **** *** ** ********* ******* ** **** ***** *** * **** **** ******* ********* **** *** ******* ********** ****** ** **** ******* 
  
  Sincerely,
  
  ***** ******

  Business Response

  Date: 05/12/2024

  Thank you for your email -

  The information you have received through the BBB you have been supplied with on multiple occasions.  There is no dispute that your creditor received the payments that are listed on the payment history. 

  The payment history  shows you made 23 payments of $50.83 and 1 payment of 59.95 for a total of 1229.04.  ****** ******* *** *** ******* **** ***** **** *********** **** ******** 

  You financed a total of 5026.24 + interest.    Assuming you did not default and stop paying the account, and all payments were made as scheduled and agreed; payment in full would not have occurred until May, 2028.

  We will again ask you that if you believe you have made payments above the 1229.04 - please provide proof, otherwise; it is quite clear that the balance remains outstanding.

  Both your creditor and ACRM have made every effort to explain this on numerous occasions, You have been repeatedly provided with  documents  that you reference in subsequent communications *** ********** *** **** ****** *** ***** *********

  *** ******* *** ******* **** *** ********* ** ** **** ************** ** ****** **** *** ******  We will be happy to reply to any further communications received from whatever authority you chose to review the default of your credit agreement.

  The debt is owed and payment is due.

   

   

   

  Customer Answer

  Date: 06/12/2024

  
  Complaint: ********
  
  I am rejecting this response because:

  I am partially rejecting the latest ACRM response. Let me begin by acknowledging that ACRM is indeed correct in pointing out the duration of the original contract, up till 2028 at the agreed to repayment schedule. My prior comment about believing the contract was completed was made without going over the entire contract. I was incorrect on that comment. ACRM now acknowledges I did indeed pay a total of 1229.04, based on the records they have.  I contest that additional payments were made beyond the what their records show, up till 2015. This is based on an email I have from **** ********* in October 2016, when I updated **** with new Pre Authorized payment information. They acknowledge the change and clearly state that that FUTURE payments and the NEXT payment will come form ***, the new account. As I have stated previously, at the time of the **** email to me in October 2016, there was no mention from them that I was missing payments since the last date that ACRM has, 3 March 2015. Nor has there been any mention since my last email from **** in 2016. With the exception of what I am experiencing now as a result of the action which is being taken against me. 

  ACRM states that they have made every effort to to explain the issue on numerous occasions. ACRM has repeatedly demanded full payment, and list an outstanding amount that equals the initial cost of the furnace, $4370.94.  Yet they admit that they have records showing I paid $1229.04. ***** **** *** *** ********* ** *** ******* ****** ** *** ******* **** ******** **** ***** ***** ACRM has made several offers saying the creditor will settle for less, $2841.11, an opportunity to save $1529.83. **** * ***** * **** ** ****** *** *** **** ** *** ******** ******* **** ** *** *********  ** * *** **** **** *** **** *** ******* ****** **** **** ** ********* * ***** ** *** **** ******

  Now that I have been reminded about the duration of the initial contract, that it is still in play, then why are the payments not being taken out, and why did **** ********* say the NEXT payment would  be from my *** account The Pre Authorized agreement through *** remains valid as I see it. ** * **** ********** *** *** *** ***** ***** ****** ******* ****** **** **** *** ****** ********* **** ******** ***** ***** ***** ******* * ****** **** ******** ***** ********* *** *** *** ******* *** **** ****** *** ********* *** ** ********** **** ********* had/has 2 different Pre Authorized agreements, the latter *** replacing ** that i initiated the contract with. There has never been a stop payment to **** at any level, notably with my *** account. There has never been a notice from my bank about insufficient funds to cover a payment to ****.  ACRM states in the last paragraph "Mr. ******, you entered into the contract, it is your responsibility to comply with its Terms". I DID, I HAD ALL AGREEMENTS IN PLACE FOR **** ********* TO WITHDRAW THE PAYMENTS FROM MY BANKING INSTITUTIONS. JUST AS THE CONTRACT STIPULATED. THEY, **** *********,DID EXACTLY THAT AND STATED THAT THEY WOULD CONTINUE TO DO SO. 

  ACRM, CAN YOU PLEASE GO BACK TO THE CREDITOR AND FIND OUT WHEN I STARTED MISSING PAYENTS AND PROVIDE ME WITH A DETAILED ACCOUNT OF THEIR ATTEMPTS TO ALERT ME ON THE ISSUE. I WOULD LIKE THEM TO ALSO PROVIDE A DETAILED ACCOUNT OF ANY ATTEMPT WHERE **** OR ****** ********* TRIED TO COLLECT PAYMENT BY THE PRE AUTHORIZED AGREEMENT, AS WE AGREED TO, *** ** ***** *** ** ********* ** *** ** *** *** ****** *** ******** *******

   

  
  Sincerely,
  
  ***** ******

  Business Response

  Date: 06/12/2024

  ** *** ***** ********* *** **** ************ *** ***** ** *** **** ********** **** ** **** **** ** ******** ********* **** ***** ** *** **** *********** *** ***** ***** ************

  If you review the previous communications and documents you will find the actual amount financed which is not you have documented in your most recent communication, and please don't forget to calculate the interest rate.

  As we have notified you several times and as you have documented you have received several offers to settle this debt obligation, the settlement offers being made are a compromise settlement; and are not calculated from the contract value; they are simply compromise settlements offers being made on a good will basis to assist you in retiring your debt obligation.

  The creditor has not received any payments that are not listed on the statement of account.  The total debt today is 4370.94 - as a courtesy and as you were advised there is  no interest being accumulated, since the last payment made in 2015.
  

  Please let us know how you wish to proceed in retiring this debt, do you have a compromise settlement you would like to offer to conclude this immediately and permanently; if so what is the amount and the exact date that funds would be available, if you are unable to settle this in full; let us know what payment schedule you would like to enter into.
  

   

  Customer Answer

  Date: 10/12/2024

  
  Complaint: ********
  
  I am rejecting this response because: 

  ***** ******* ************ *** ****

  I accept what ACRM is saying in regards to the documents that they have provide me to this point. I accept and acknowledge that the contract is Amortized till 2028. I just noted that the Term was for 60 months, which likely contributed to the earlier mix up about me believing the contract was done. Also that **** ********* was named in my Consumer Proposal in 2016. They are named a a Secured Creditor though. I am not disputing that I entered into the contract. I did so faithfully and now that I have been reminded that it is still in play I accept there is a balance. 

  I am trying to find answers to this whole affair. * *** ********** **** **** ********* ** ********* **** ***** ******* I had mistakenly believed that the contract was finished. I entered into the contract in 2013 and my last contact with the Creditor, **** ********* was 2016. Its a long time ago. Plus, I had everything in place for the Pre Authorized payments to be withdrawn from my Bank account(s). As they were being withdrawn from the beginning of the contract. **** acknowledged this in their responses to my emails in October 2016 when I provided them with UPDATED payment instructions. Yet ACRM and ****** ********* only has payment records till 2015. In my last response I had asked ACRM to go back to Simply and ask them when I started missing payments, **** ********* does not mention anything about it in their reply of October 2016 and promises that future payments will continue from my *** account. I am still trying to obtain records from the ** **** for 2015 to October 2016. More to follow on that. In what, 9 plus years now, no one has ever contacted me from the Creditor about payments being missed. Nor has there ever been a payment declined at my Bank level. I had everything in place just as was required under the terms of the credit agreement. **** ** *** ********** ***** *** ***** ***** *** ******* ** ********* * *** *** *** ** ***** ** ****** ** ******* ** ** **** *** ********* **** ********* *** **** ******* *** **** *****  **** ** ******* ** **** *** ******
  
  Sincerely,
  
  ***** ******

  Business Response

  Date: 10/12/2024

  Thank you for your email -

  We will await further communication; specifically; proof of any payments you made that are not on the transaction summary.

   

  Regards,

   

   

  Customer Answer

  Date: 11/12/2024

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this is satisfactory to me at this time. 

  ***** ********* ** ****

  
  Sincerely,
  
  ***** ******

• Initial Complaint

  Date:16/02/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This business keeps calling me claiming i have a debt that i know nothing about. I gave them the reference number ******* and they want me to provide my address and date of birth after letting them know my name. When i refused ** *** ****** ***** ****** ** ** **** ** ** ***** the lady on the other end ****** told me they cannot continue with out further identification and will continue to call me until i comply and hung up. I had told her what ever information you have on file is correct. I want information on the debt they say i owe, i need it validated, and to verify they have permission to collect on the debt. Ill need the origial application with my signature on it, the payment history because I'll need to know the total balance and how they came up with that balance. All this information can be sent my mail to the address they have on file for me.

  Business Response

  Date: 21/02/2024

  Thank you for your email -

   

  Our Agents are required to comply with PIPEDA, hence the request to validate your identity.

  We have noted your request for proof of debt, concerning your unpaid overdraft with ** ****** *****.

  On receipt of the documents from your creditor; we will forward them on to you.

  Regards,

   

   

   

   

  Customer Answer

  Date: 04/03/2024

  this is not my debt as i am in good standing with an open account with the bank mentioned. Therefore i do not recognize this debt, i believe this collection to be illegitimate, *** ******* *** **** **** ***** ************ 

  Business Response

  Date: 04/03/2024

  Thank you for your communication -

  
  As previously indicated, proof of debt has been requested from your creditor.  As of this reply we are not yet in receipt of the documentation.  Once it is received; it will be provided to you.

   

  Regards,

   

   

  Customer Answer

  Date: 06/03/2024

  
  Complaint: ********
  It is my understanding that once initial contact has been made you must send within 5 days. And the very least send a letter before attempting to contact. I have still received none as of today. And has been past 10 days now since initial contact.

  
  
  

  Business Response

  Date: 20/03/2024

  Thank you for your email -

   

  please note that communication was issued via regular mail on 02/25/2023 to the address on file.

   

  We are still awaiting proof of debt, which will be forwarded once received ~

   

  Regards,

   

   

  Customer Answer

  Date: 22/03/2024

  
  Complaint: ********
  
  I am rejecting this response because: i did not receive any mail (******). (More than 2 weeks is enough time for me to receive mail) I request any mail that is beimg sent be certified as proof 
  
  Sincerely,
  
  ******* ******

  Business Response

  Date: 28/03/2024

  Thank you for reaching out -

   

  Our response on 02/21/2024 indicated that proof of debt was requested and would be provided to you once received.  The documentation remains on request.

  Once proof of debt is received; it will be mailed to you.

   

  Regards,

   

   

   

  Customer Answer

  Date: 28/03/2024

  
  Complaint: ********
  
  I am rejecting this response because: it has been well beyond the consumer rights in terms of contact. I believe this to be an illegitimate collection and have filed a complaint with the government as this has gone on long enough. Please note i dispute any collections being attempted to be collected. I do not recognize this debt and sincerely question the validity of this claim. You may take this to court 

  
  
  Sincerely,
  
  ******* ******

  Business Response

  Date: 02/04/2024

  Thank you for your reaching out -

   

  We will await the communication from the government which you have filed a complaint with and will address it once it is received.

   

  Regards,

   

  Customer Answer

  Date: 04/04/2024

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is stalled until further notice. There is no agreemenr between us until 3rd party is involved. No further action is needed until i receive all required paperwork and hearing date.
  
  Sincerely,
  
  ******* ******

• Initial Complaint

  Date:13/02/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  ACRM called me to notify me about a collections in my name. It was $75 for a telecommunications I have never visited. I explained I was a victim of identity fraud. I provided them my mailing address for them to mail me the records they had to file a police report, as they instructed. Now they are calling not me, but my girlfriend, multiple times a day. 5 times in one hour on a weekend, waking up my newborn. I have explained this to them multiple times. They are now going as far to raise their voice at my and ramp up their ********* phone calls. PLEASE MAKE THIS STOP. I am begging you. I was more than happy to work with them to get this resolved, but the level of ************ *** lack professionalism has gotten to be to stressful to work with. I would like to specifically highlight Joanne as the employee here who has been constantly calling me *** ** ************ **** *** **************. This individual should not work any position that involves human interaction.

  Business Response

  Date: 20/02/2024

  thank you for reaching out -

  We are sorry to hear that you have had a bad experience, please note however we log each call and interaction, and do not show the volume or frequency of calls that you have alleged.

  It appears that you have been attempting to notify us since December that you are a victim of fraud, as of this communication, we have yet to receive a fraud report.

  Please note that communication has been issued via regular mail on numerous occasions without response, and additionally; copies were sent electronically to the email address on file.

  Please file a fraud report with your local law enforcement agency and provide a copy to ****@*****************.com.

  We look forward to receiving this information soon so that this matter can be permanently concluded.

   

  Regards,

   

   

   

  Customer Answer

  Date: 20/02/2024

  
  Complaint: ********
  
  I am rejecting this response because:

  did You look at the records for both me and my partner? You were not only ********* me but my partner.

  Nothing was received in the mail, as I told you every time you ******** me. 
  

  You got me an electronic copy after I filed a complaint with the BBB, go figure eh? **** ***** ******** **** ******

  When I get time to file a police report, I will.

  would You like to see the call records of you professionals calling me yet again this weekend?

  ***** *** ** **** ******* **** ** ** ******

  
  Insincerely,
  
  **** ****

  Business Response

  Date: 21/02/2024

  thank you for reaching out -

  Your information is inaccurate.  The allegations being made are unfounded and not based on facts at hand.

  yes, we have called two separate numbers, we have done so since December 5, 2023.  These calls are not **********; they are an attempt to collect an unpaid debt.

  The calls have been made during the dates times and frequencies described in Ontario regulations.

  Electronic and Regular were sent in December, 12.09.2023 to the address on file.
  

  You have contacted our office twice, both times you have alleged this is a debt caused by fraud.  Proof is required; if you are unable to provide such provide ( a complete fraud report from your local law enforcement agency) we will assume this allegation is also not based on fact and therefore expect repayment of your debt obligation.

  Please let us know how you wish to proceed.

   

  Regards,

   

   

• Initial Complaint

  Date:15/05/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  1. Agency contacted me via phone first, without prior attempt to reach me through mail, although in possession of my address.

  2. I then contacted a live agent with Action collection in order to ask for a cease and desist, I asked the agent for an appropriate department email, to which I proceeded with a cease and desist request (by email at [email protected]) Nevertheless, I received an answer by email from the agency basically telling me "we will stop contacting you only when you pay your debt in full".

  3. I then called back a second time and spoke with a live agent again. I explained the situation and asked about how to stop receiving calls. The agent did everything to deviate from the topic and attempted to collect information about me. Finally, when he understood I am not going to pay up, he told me that he "put a note" in the file and I will not receive further calls. Nevertheless, I receive another email, this time from a certain Kyle M*, senior manager. This time, the email pretends to "provide, AS PER MY DEMAND (!)" payment instructions to settle a debt... I never asked for payment instructions. I do not recognize any debt Action collection is trying to collect. I wish to be contacted by mail and in writing only. I find the agency is bareknuckle violating all regulations and norms regarding debt collection. Putting words in my mouth - as done in abovementioned case of emails - is *******, especially since the agency is supposedly recording conversations. **** ** **** *** ****** *********** ********* ** ******. I wish for the administration to contact me in regards to this matter and I especially wish to confirm that the agency notes that I DO NOT RECOGNIZE ANY DEBT, contrary to what seems to have been entered into the system. I DO NOT RECOGNIZE ANY DEBT with Action Collections. Cordially, ****** *****

  Business Response

  Date: 15/05/2023

  Thank you for your email -

  You were issued notices both on 02.10.2023 and 03.24.2023.  No response was received to either notice issued.

  Your cease and desist request has been received and will be respected.  This does not negate your debt obligation.

  Trusting this is satisfactory, and the matter is now closed.

   Regards,

  Customer Answer

  Date: 15/05/2023

  
  Complaint: ********
  
  I am rejecting this response because:

  You are not responding to the core of the complaint, specifically:

  Why, in response to my cease and desist email, your office has issued the following response, also by email (paraphrased):

  "We will cease and desist when you pay up".

  
  Sincerely,
  
  ****** *****

  Business Response

  Date: 15/05/2023

  Thank you for your email -

  You notified us of a cease and decist; which has been accommodated.  This does not change the fact that the debt obligation remains outstanding.  The email communication you received contains payment instructions.

  The expectation is that you will resolve your debt utilizing the instructions you relieved.

  You can be assured that you have been added to our Do Not Call list. 

  Regards,