Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Access Credit Management, Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX  DC XXXX Re : Complaint Regarding Case No. XXXX Unlawful Debt Collection, Identity Theft, and Procedural Violations To Whom It May Concern : I submit this formal complaint regarding unlawful debt collection practices conducted by XXXX XXXX XXXX and Access Credit Management , Inc. , acting as third-party debt collectors, in connection with an alleged debt originally from XXXX. This complaint details identity theft, fraudulent collection actions, procedural errors, UCC violations, Arkansas statutory violations, and ongoing unjust enrichment. 




1. Timeline Correction All references to 25 years regarding the alleged debt should be amended to 21 years. 




2. Discovery of Creditor Status In XX/XX/XXXX, I confirmed that XXXX ceased operations in XXXX and its banking subsidiary, XXXX, was liquidated. Any collection attempts tied to this defunct entity are legally invalid. 

Federal Case Law : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX ( XXXX. XXXX XXXX ) Attempting to collect a time-barred or invalid debt violates the FDCPA. 

Arkansas Law : ADTPA, Ark. Code Ann. 4-88-107 ( a ) ( 10 ) Prohibits unconscionable, false, or deceptive acts in business. 

Arkansas Case Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Arkansas courts will strike down deceptive practices that misrepresent business or financial obligations. 





3. Debt Purchased by Third Party Access Credit Management , Inc. claims to have purchased the alleged debt in XXXX. XXXX XXXX XXXX has failed to provide a wet signature contract or lawful proof of assignment. 

Violations : FDCPA 15 U.S.C. 1692g ( b ).

UCC 3-308 ( a ) ; Arkansas UCC 4-3-308 ( a ). 


XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arkansas Case Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arkansas Supreme Court held that debt collectors can not proceed without strict compliance and proper documentation. 




4. Closure of XXXX XXXX and Legal Implications XXXX XXXX bankruptcy and liquidation prevent any valid collection. 

Violations : FDCPA 15 U.S.C. 1692e ( 2 ) ( A ).

UCC 3-104, 3-308, 3-311 ; Arkansas UCC 4-3-104, 4-3-308, 4-3-311. 


XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ). 
Arkansas Case Law : XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX False representation of a claim or debt is deceptive under Arkansas law.

5. Absence of Lawful Contract and Signature I never signed a contract with XXXX. Requests for verification have been ignored. 

Federal Case Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 

Arkansas Law : ADTPA 4-88-107 ( a ) ( 10 ). 

Arkansas Case Law : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Arkansas courts recognize lack of documentation as grounds to deny collection. 





XXXX. Prior Disclosure of Identity Theft and XXXX In XXXX, I told Attorney XXXX XXXX in XXXX this was identity theft and I am disabled. 

FDCPA 15 U.S.C. 1692d.

ADTPA 4-88-107 ( a ) ( 8 ). 

Arkansas Case Law : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) Courts will not allow XXXX party to take unconscionable advantage of another. 





7. Original Judgment and Order of Revivor Original Judgment ( XXXX ) : {$1700.00}. 

Revived in XXXX, expiring XXXX. 

Illegally restarted XX/XX/XXXX, inflated to {$4500.00}. 


Payments misrepresented : I paid {$1500.00} plus three money orders ( XXXX XXXX ). 

Federal Case Law : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Arkansas Law : Ark. Code Ann. 16-56-111 ( 5-year limit ). 

Arkansas XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX. XXXX Arkansas courts prohibit indefinite revival of judgments beyond statutory limits. 





8. Payments Made Under Duress and Negotiable Instrument Settlements Since XXXX : {$1500.00} in monthly payments + 3 Negotiable Instrument Money Orders ( XXXX XXXX ). 

On XX/XX/XXXX, XXXX XXXX XXXX moved to deposit my money order into its XXXX account, asking it not count as full payment. 

This violates : UCC 3-311 ; UCC 3-310 ( b ) ; UCC 1-308.

Arkansas UCC 4-3-311, 4-3-310 ( b ), 4-1-308.

By deposit, they accepted settlement under law. 

Case Law : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX. 

Arkansas Case Law : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) Arkansas courts enforce accord and satisfaction when payment is tendered and accepted. 



( Personal Note : I only have continuously submitted Negotiable Instrument Money Orders with instructions three ( 3 ) times to attempt to settle a Judgement Debt that was never mine since XXXX XXXX of XXXX XXXX XXXX ignored what I told her in XXXX concerning Identity Theft. ) XXXX. Procedural Violations and Coercion Improper subpoena service. 

Fraudulent filings without notice. 

Demands for card info despite continuous payments. 


Violations : FDCPA 1692d, 1692e, 1692f.

ADTPA 4-88-107 ( a ) ( 10 ). 

Arkansas Case Law : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) Fraud and coercion invalidate legal process.

10. Requested Action by CFPB I respectfully request the CFPB : 1. Investigate XXXX XXXX XXXX  and Access Credit Management , Inc. for FDCPA, UCC, and Arkansas consumer law violations. 


XXXX. Recognize that XXXX has been defunct since XXXX. 


XXXX. Address the illegal judgment restart in XX/XX/XXXX, inflated to {$4500.00}. 


XXXX. Protect my rights as a victim of identity theft and disability. 


XXXX. Enforce restitution for all funds paid under duress plus statutory damages and payment for all violations of law. 



Respectfully, XXXX XXXX UCC 1-308 Addendum : Legal Authorities Supporting Complaint Federal Law FDCPA ( Fair Debt Collection Practices Act ) : 15 U.S.C. 1692d Harassment, oppression, or abuse prohibited.

15 U.S.C. 1692e ( 2 ) ( A ) False representation of legal status of a debt.

15 U.S.C. 1692f Unfair/unconscionable means to collect a debt.

15 U.S.C. 1692g ( b ) Debt verification requirement.

UCC ( Uniform Commercial Code ) : UCC 1-308 Reservation of Rights.

UCC 3-104 Negotiable instruments defined.

UCC 3-308 Burden of proof for signatures.

UCC 3-310 ( b ) Tender suspends obligation. 

UCC 3-311 Accord and Satisfaction by negotiable instrument. 






Arkansas Law Arkansas UCC ( adopted ) : Ark. Code Ann. 4-1-308 Reservation of Rights. 

Ark. Code Ann. 4-3-104 Negotiable instruments defined.

Ark. Code Ann. 4-3-308 Burden of proof for signatures.

Ark. Code Ann. 4-3-310 ( b ) Tender suspends obligation.

Ark. Code Ann. 4-3-311 Accord and Satisfaction. 


Arkansas Consumer Protection : ADTPA, Ark. Code Ann. 4-88-107 ( a ) ( 8 ) Taking advantage of disability prohibited.

ADTPA, Ark. Code Ann. 4-88-107 ( a ) ( 10 ) Deceptive, false, or unconscionable practices prohibited.

Arkansas Statute of Limitations : Ark. Code Ann. 16-56-111 Five-year statute of limitations on written contracts. 






Federal Case XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX ( XXXX. XXXX XXXX ) Collecting on time-barred debts violates FDCPA. 

XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ) Collectors must provide actual proof of debt. 

XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX are subject to FDCPA. 

XXXX XXXX XXXX XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Failure to provide verification violates FDCPA. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Enforcing expired debts violates FDCPA. 

XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Negotiable instruments can discharge debt. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) Accord and satisfaction applies when payment is tendered and accepted. 





Arkansas Case Law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Deceptive business practices barred under Arkansas XXXX. 

Born v. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX collectors must strictly comply with documentation. 

XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX False representations of debts are deceptive under Arkansas law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Lack of documentation defeats debt collection attempts. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Courts reject unconscionable advantage-taking. 

XXXX XXXX XXXX, XXXX XXXX. XXXX Courts prohibit indefinite revival of judgments. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Accord and satisfaction applies when payment is accepted. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) Fraud and coercion invalidate legal processes.

Company response to consumer: Closed with explanation