Consumer complaint received 2021-04-16
Company: Associated Credit Services, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
THEY CALLED AND THREATEN TO ARREST ME AND SEND ME TO JAIL IF I DO NOT PAY. 
To whom it may concern, This letter is to formally advise you that I am requesting you to Cease and Desist, all communications with me immediately regarding any account that you have now and receive in my name or social security # now and in the immediate future and REMOVE all negative marks your company has added to my credit report or to the XXXX XXXX immediately. 
This is my second and final request, back in XXXX I sent you via certified mail my cease and desist instructions. 

Pursuant to my rights under federal debt collection laws, I am requesting that you cease and desist communication with me, as well as my family and friends, in relation to this and all other alleged debts you claim I owe. 

You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the XXXX XXXX XXXX, Federal Trade Commission and the State Attorney Generals office. 
Civil and criminal claims will be pursued. 
Even if you are the original creditor this may apply to you. And since you are not the original creditor, you must comply.

Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ), you have the duty to review all of the information in this Notice of Dispute, to complete your investigation, and report back to me the results of your investigation, within 10 days of my Notice of Dispute. 

In addition, I humbly request that you provide me with complete transaction and payment history, a copy of any signed contracts or agreements, and total outstanding balance you believe I owe bearing my actual signature. 

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ), these disputed items must be reinvestigated and deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 



Details about the age and amount of the alleged debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this alleged debt became delinquent. 
Please also note whether this alleged debt is within the statute of limitations and how that was determined. 

Please also forward details about your authority to collect this alleged debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 

Your conduct thus far is unacceptable and borders on harassment. 
Please be advised that the following apply to you. 
Pursuant to the Fair Debt Collection Practices Act : Debt Collection Practices If a consumer notifies a debt collector in writing that the consumer refuses to pay alleged debt or that the consumer wishes the debt collector to cease further communication with the consumer and remove all negative marks from my credit report doing the investigation of this case. The debt collector shall not communicate further with the consumer with respect to such debt and must REMOVE all negative remarks and comments from credit report. 

I will also be checking my credit report to see if you have willfully reported an unverified and disputable debt to the credit bureaus. If so, that will be a violation of the Fair Credit Reporting Act. I will state again If I receive anything other than absolute proof that you removed all marks and comments from my credit file, I will assume you are harassing me and ignoring my cease and desist, letter and will be reporting this to my State Attorney General, CFPB, XXXX, and the XXXX XXXX XXXX. 

You are governed by this Act. All communication with me including phone calls to my home or business must stop immediately. All negative remarks and comments must be REMOVED IMMEDIATELY. 

The only communication you may have with me is to provide proof that all accounts and negative remarks and comments has been removed from my credit report. 

If you continue to contact me and report NEGATIVE information on my credit reports after receiving this dated mailing, and that the postal service will provide proof of delivery with return receipt with or without your signature. You will be in violation and I will file a complaint with the Federal Trade Commission, XXXX  and State Attorney General 's Office as well as consider filing civil charges against you for willful noncompliance with the FDCPA.

Company response to consumer: Closed with explanation