Consumer complaint received 2023-05-19
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to file a formal complaint against Americollect, Inc XXXX XXXX Website : www.americollect.com, www.americollectpay.com Email : XXXX regarding their unfair debit collection and reporting practices. 

The details of the complaint are as follows : 1. Account Information : - Name of Financial Institution : AMERICOLLECT INC - Account Number : XXXX - Date open : XX/XX/2017 ( ( Americollect, Inc NOT Authorized to Conduct Business IN FLORIDA ) ) 2. Description of the Incident : I have been subjected to unfair and aggressive debit collection practices by AMERICOLLECT INC. Despite my attempts to resolve the issue, the company has continued to engage in unethical practices, which I believe are in violation of consumer protection laws and regulations. 

a ) Harassment : The representatives of AMERICOLLECT INC have repeatedly contacted me at inappropriate hours and used aggressive language during their communication attempts. This behavior has caused significant distress and anxiety. 

b ) Inaccurate Reporting : The company has erroneously reported the debt in question to credit reporting agencies, damaging my credit score and making it difficult for me to obtain credit or secure favorable interest rates. Despite my efforts to dispute the inaccurate information, the company has failed to correct the reporting error. 

c ) Lack of Verification : AMERICOLLECT INC has failed to provide adequate verification of the debt when requested. Despite my numerous attempts to obtain relevant documentation to support their claims, the company has not provided the necessary evidence to substantiate their collection efforts. 

XXXX. Attempts to Resolve the Issue : I have made multiple attempts to resolve this matter directly with AMERICOLLECT INC. I have explained my concerns and requested that they cease their unfair collection practices, correct the inaccurate credit reporting, and provide proper verification of the debt. However, their responses have been dismissive and unsatisfactory. 

XXXX. Requested Actions : I kindly request the following actions be taken in response to this complaint : a ) Investigation : Conduct a thorough investigation into the unfair debit collection and reporting practices employed by AMERICOLLECT INC. 

b ) Remedial Measures : Ensure that AMERICOLLECT INC ceases its aggressive and harassing collection efforts, and take appropriate action to correct the inaccurate credit reporting. 

c ) Enforcement of Regulations : If violations of consumer protection laws and regulations are found, I request that appropriate enforcement actions be taken against AMERICOLLECT INC. 

d ) Compensation : In light of the distress caused by the unfair collection practices and damage to my credit score, I request fair compensation for the harm incurred. 

5. Supporting Documents : I have attached copies of relevant documents, including correspondence with AMERICOLLECT INC, credit reports reflecting the inaccurate reporting, and any other pertinent evidence that may assist in the investigation of this complaint. 

I appreciate your attention to this matter and your dedication to protecting consumers from unfair practices. I look forward to a prompt resolution and your response within 4 days, as stipulated by the Consumer Financial Protection Bureau guidelines. 

Thank you for your assistance in this regard. Please feel free to contact me if you require any additional information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation