Consumer complaint received 2015-11-04
Company: American Collection Systems, Inc. (OH)
State: IL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Which of these best describes your issue? 
Did not receive notice of right to disputeDescribe what happened so we can understand the issue ... 

On XXXX XXXX I spoke with XXXX XXXX Banks at American Collection Services with regard to a debt from XXXX. We worked out a settlement amount and I set up payment using my debit card. By XXXX XXXX I noticed the payment was never taken so I called in. The next day XXXX called back and said there was a system error and all of my payment information was lost and he simply did n't know. I set up payment again. This time I thought the settlement was higher but did not want to press the issue so I said fine and gave the checking info from my commercial account. On XX/XX/2015 I called XXXX to re-enroll and was told I still had an outstanding debt and gave the number to XXXX Banks. At this time I could not enroll. I left a message for XXXX Banks yet again. On XX/XX/2015 he called back and this time was very aggressive. I was making the call to work out payment yet again but he only wanted to argue why the last payments did n't process. I continued to say if the calls are recorded simply pull the recording. I just want this resolved as I have initiated every single communication and it has yet to be rectified. I became increasingly frusterated with the dead end conversation and requested a manager. He put on XXXX XXXX who identified himself as the person who handles litigation. I asked if he was an attorney he said, " I take care of asset, garnishments, and litigation ''. I asked if he was an attorney registered with the XXXX he replied, " No just a paralegal '' his tone then changed. We XXXX agreed that the communication was poor and when we began to speak of settlement he said he did not see XXXX and could not offer XXXX. I explained that I had an email XX/XX/2015 that shows a settlement offer that they failed to take twice and asked him to pull the recordings and the email. He stated that I would have to have legal injunction to access any recordings of the calls and if I filed a complaint it was no big deal because it is a simple form he fills out to answer and the complaints are not taken seriously anyways. If I did not like paying him I could contact XXXX directly. I am hesitant to pay a company that offers a settlement and loses my payment information, then charges more, fails to take the money a second time, and NEVER even once attempts to make contact. I have never received an initial dunning notice by mail only a settlement offer by email. I am now in a situation where I can not enroll back into my MPA due to this companies inability to process payment despite my repeated attempts. XXXX made a point to say any complaints that come through he will simply use a form add names to the blanks and mark it as frivolous. Please I encourage management and the CFPB to pull call recordings. Clearly this company and its staff have very little regard for the CFPB and do not take its authority seriously. I simply wanted to pay a bill. At this time I have made contact with XXXX in hopes they will be able to process a payment.

Company response to consumer: Closed with explanation