Consumer complaint received 2015-03-27
Company: Atlantic Credit & Finance, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I first received a phone call from " XXXX '' at Atlantic Credit and Finance , Inc. '' at my business, which I own, where the gentleman asked for me by first name only. The XXXX phone call attempt from AC & F I was not available to come to the phone, XXXX told my employee that he would wait on the phone until I became available, when my employee refused his offer he said there was no message. XXXX called back a few hours later, at this time I answered the phone. Our conversation began with XXXX telling me that I owed money for a past debt in the amount of over {$3000.00} from the company " XXXX ''. I responded quickly telling him I have never owned or been billed for a " XXXX '' credit card and therefore he had to have had the wrong person. That is when he began asking me personal financial information about myself just to " check '' if he had the right person. He asked me what my address was, what my social security number was, banking information, etc. I refused to answer these questions and told him that if he is trying to collect a past debt from me HE SHOULD HAVE THAT INFORMATION in front of him. He assured me that he did indeed have all of my personal information in front of him and that he was just asking so that he could verify this information. I than asked him to please read to me the, address, social security number, and name of the banking institution he had on file for me, he only gave a false S.S. number before I stopped him and told him once again that HE HAD THE WRONG PERSON. After about a half hour of XXXX trying to " trick '' information out of me I finally got him to agree that he had the wrong person, he apologized for the inconvenience and we hung up the phone. The next day my company received another phone call from XXXX again. He began the conversation this time the exact way he began it the day before as if we had'nt even spoken with each other before. When I reminded him that he had called me yesterday and I thought that we have resolved the issue, he just ignored me and kept going on with his interrogation for my personal information. This time I told him to please verify where I applied for this " XXXX '' card, where I made the so called purchases, what address and name was " XXXX '' sending statements to, in regards to this account. He tried avoiding the questions and it seemed to me that he would pause, as if he was being fed information to repeat back to me. I told him to send me as much information as he had on this account so that I could look into it myself. He told me he could not send any of the information. I told XXXX that I needed to look into this issue more and asked him for his phone number so that I could call him back once I found out more about this issue. 
Once I got off the phone with Atlantic Credit and Finance , Inc. I researched the company online and was able to find out that I was not the first person that has an experience like this with them. I called my Attoroney General 's Office and told them a little bit about the phone call. I gave the Attoroney General 's Office Atlantic Credit and Finance 's company name, address, and phone number and they told me that the company has be dissolved for over four years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief