Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
I am writing to formally dispute unauthorized charges made to my credit card and a collections action initiated by XXXX. This matter has caused serious and unjustified damage to my credit score and may constitute multiple violations of federal and state consumer protection laws. 

Case Summary : In XXXX, I paid my bill in full, closed my XXXX account, and ported my number to XXXX. 


XXXX continued charging my card without my knowledge or authorization, despite the account closure. 


I received no invoices, receipts, emails, or notices during this time. 


In XXXX, I discovered the unauthorized charges were being made to my credit card and contacted XXXX, but your representatives could not locate my account and refused to verify my identity using my SSN, email, or any alternative insisting only on a 6-digit PIN. The only " solution '' offered was to visit a store, which was not possible while I was traveling. 


Additionally, my account had been deactivated, leaving me unable to log in or view any records. 


As a result, I had to block XXXX via my credit card company to stop the unauthorized billing. 


I have now been informed that XXXX has placed this false debt in collections, damaging my credit. 


The number on the bill listed by the collection agent has never belonged to me. 

Potential Legal Violations : This situation may constitute violations of the following : 1. Fair Credit Reporting Act ( FCRA ) Reporting inaccurate and unverifiable debt to credit bureaus. 


Failure to notify me of adverse reporting. 


Failure to conduct a reasonable investigation upon dispute. 
( See 15 U.S. Code 1681s-2 ( a ), 1681s-2 ( b ) ) 2. Fair Debt Collection Practices Act ( FDCPA ) ( if a third-party agency is used ) Attempting to collect a debt not legally owed.

Failure to provide proper validation of the debt.

Using deceptive or unfair means in collection.

( See 15 U.S. Code 1692e, 1692f, 1692g ) 3. Electronic Fund Transfer Act ( EFTA ) Continuing to charge a payment method after revocation of authorization ( i.e., after account closure ).

Failing to notify me of recurring charges.

( See 15 U.S. Code 1693e ; Regulation E : 12 CFR 1005.10 ) 4. Truth in Lending Act ( TILA ) Failure to disclose continued billing terms or obligations upon closure, if applicable.

5. State Consumer Protection Law Engaging in deceptive billing and unfair business practices, likely in violation of state laws ( e.g., NY GBL 349 or similar ).

Immediate Resolution Demanded : A complete and itemized billing statement from the date of closure to final charge. 


Written confirmation that this matter will be removed from all credit bureaus. 


Formal acknowledgment that the account was wrongfully charged and sent to collections. 


If this is not resolved within 7 business days, I will escalate the matter to : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) My state Attorney General A consumer protection attorney to explore litigation and damages for the above violations. 


This is a final attempt to resolve this amicably. Please confirm receipt of this email and initiate immediate correction.

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