Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: CO

Complaint narrative:
This complaint is two-fold, involving the original creditor XXXX and secondly their collation agency XXXXXXXX XXXX XXXX XXXXXX/XX/year> I thought I canceled my service of 14 years with XXXX. I attempted in person and when I was told I had to call in, I did so and canceled my services. I ported my phone out to another carrier successfully and confirmed over the phone with the XXXX representative that my my ex-wife ( who had still been a family member of my plan up until that point ) would not lose her services. The representative in XXXX assured me : 1. the objective of my 1 line no longer being with XXXX was done 2. My bills were satisfied and I would no longer be charged, that my ex wife would be taking over the account 3. My automatic payments would cease. 

Because this phone bill was setup for automatic payment on a credit card that was also setup for autopay from my bank ( and an account I don't keep track of closely ), I didn't realize I had continued to be billed until XX/XX/year>. I immediately called XXXX in XXXX to try and figure out the discrepancy, to the point of having a 3 way conversation with me, XXXX, and my ex wife to close out the account in the way that we had already understood it to have been completed months prior. We again were assured all bills had been paid, the line was completely in the name of my ex wife, and that I bore No responsibility for anything at that time or in the future. We again confirmed my credit card was deleted from the file and would no longer be charged ( even though that was the promise We had received by the same company months prior. In that XXXX phone call there was zero effort to rectify any outstanding bills because it was confirmed there weren't any to pay, again, just like in XXXX. I had unwittingly been paying for XXXX lines with XXXX  that I had zero use of or control of for months. Albeit a waste of money on my end, I didn't argue it at the time because I just wanted it over with. This should've been closed in XX/XX/year> when my ex and I started the process. I don't have a relationship with my ex now, nor did in XXXX or XXXXXXXX XXXX XXXX so this needed to be over with. 


Finally, again after having been reassured multiple times over the phone and on multiple occasions both in person and with XXXX phone customer service, we assumed that a company I had a 14 year relationship with and zero missed and probably zero late payments, we assumed everything was rectified and moved on. 

However, my experience in XXXX should've been a prelude to what happened more recently. 

XXXX sent me to collections over an unpaid bill they sent on XX/XX/year>. XXXX made zero attempt to send me a single late notification. They assured me I didn't owe anything even after this bill was generated, and after they'd already twice assured me all bills were paid, and once months prior assured me all my requests were resolved and balanced. 

I only found out about the collection as I'm trying to refinance my mortgage and it was on my credit report. I have never had a collection. I had perfect credit. I tried every way I could to navigate a process to close my account and remove my only last connection with my ex wife to be pushed around and walked over and put through a seemingly impossible task for something that should've been insanely simple. 

I tried calling XXXX and resolving this through their customer service again, escalating it as high as they would allow me to only to be told their hands were tied. 

I tried to cancel in XX/XX/year>, thought we did everything, were told at the time we did, only to find out months later and several XXXX dollars out of my pocket wasted to a multi XXXX dollar company that they wouldn't take our admit fault for their mistake or work to resolve a negative customer service issue. Instead they took my money for no service rendered, then continued to tell me I didn't owe anything and that they'd fix it, while simultaneously still billing me and then sending me to collections without any communication regarding billing or payment owed or anything. 

As the collection issue has unfolded over this past week and a half, I was provided only a physical address I can write to, and wait. Meanwhile I'm losing my opportunity to refinance my mortgage and am losing out on thousands financially for a {$120.00} phone bill that I should've never received if XXXX cancelled my account during the original request in XX/XX/year>. 

If they had my wrong mailing address, they could've made an effort to check that in XX/XX/year>, but didn't. They could have tried calling me. They could have tried emailing me. None of my contacts changed through any of this. They didn't seem to care on multiple occasions of my legitimate concerns that they were failing me as a customer, and failed on multiple occasions and platforms. I'm the only one having to pay for their mistakes and it isn't right. 

I don't know where this stands as a legal matter, but this is highly deceptive practices on multiple levels, not just service. I'm not responsible for this collection on my credit report and it needs to be removed. XXXX needs to go listen to those phone calls where I tried to cancel services and own up to their broken promises and assurances and take responsibility for their failed service instead of shirking it back onto me and ruining my life. 




XXXX : Still have yet to receive any sort of confirmed communication from this collection agency. I have had zero mail communication about any collection from them, and zero phone calls, or voicemail, or text messages from them. 

The first and only way I've been informed about this collection was via my credit report when I pulled it myself in process of a mortgage refinance that I can not qualify for with this open, uncalled for collection on my report.

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