Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
CFPB CONSUMER COMPLAINT In or around XX/XX/year>, I terminated XXXX service after transitioning both mobile devices to another carrier. At the time of termination, the device associated with the account had been paid in full, and my historical monthly charges on a XXXX XXXX XXXX plan averaged approximately {$55.00} {$65.00} with applicable credits and promotions. 

During the same period, I maintained active XXXX XXXX service, confirming continuous telecommunications service elsewhere. After T-Mobiles migration to the XXXX XXXX XXXXXXXX Money platform , I lost reliable access to billing information and account functions. I could not view statements, receive billing notices, or meaningfully dispute any alleged balance. 

I did not receive any email notice, billing statement, in-app alert, or warning of delinquency or collection activity. Despite the lack of notice and the inability to access billing, an alleged balance of {$180.00} was assigned to a collection agency around XX/XX/year> and later reported to a credit bureau in XX/XX/year>, causing a documented XXXX XXXX XXXX XXXX  decrease.

The collection was reported after service termination, after device payoff, and without providing notice or an opportunity to dispute, resulting in inaccurate credit reporting and consumer harm. 

See attached : Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Amsher Collection Services COMPLAINANT XXXX XXXX XXXX XXXX XXXX, Unit # XXXX XXXX, NY XXXX Email : XXXX PRODUCT / SERVICE Mobile Telecommunications Billing Credit Reporting Debt Collection ISSUE SUMMARY A {$180.00} collection account was improperly reported by Amsher Collection Services on behalf of XXXX without notice, without billing access, and after service termination and full device payoff. The account caused a documented 1XXXX XXXX XXXX XXXX decrease and resulted from billing errors and platform access failures following XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


DETAILED COMPLAINT I submit this complaint regarding wrongful billing, unlawful debt collection, and inaccurate credit reporting by XXXX XXXX XXXX XXXX and its collection agent, Amsher Collection Services . 

I was enrolled on a XXXX XXXX XXXX plan, which included military discounts, promotional credits, and holiday incentives. My monthly charges historically averaged approximately {$55.00} {$65.00}. I never received any bill, statement, or notice supporting the {$180.00} balance now being reported. 

During the same period XXXX  alleges delinquency, I maintained active XXXX XXXX service, with billing records confirming overlapping service. In XX/XX/year>, I transitioned both mobile devices to XXXX XXXX XXXX and terminated XXXX service. 

The XXXX XXXXXXXX XXXX XXXX XXXX associated with this account was fully paid off, as confirmed by XXXX own order and payment confirmation. There is no lawful equipment or installment balance remaining. 

After service termination, XXXX XXXX XXXX T-Life, which consolidated billing, usage, and XXXX XXXX, caused loss of account access. Despite assurances that there would be no disruption, I could not view billing, transfer funds, or dispute any alleged charge. 

At no time did I receive : Any email notice of delinquency Any billing statement showing {$180.00} owed Any in-app past-due alert Any notice of intent to assign the account to collections Nevertheless, the account was assigned to Amsher Collection Services on XXXX XXXX XX/XX/year>, and reported to Equifax on XX/XX/year>, causing a XXXX XXXX Score XXXX decrease ( to XXXX ). This is documented consumer harm. 

I am a XXXX veteran, a federally protected class member. Denial of access, failure of notice, and negative credit reporting without accommodation violate the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and disability-related protections.

RELIEF REQUESTED 1. Immediate deletion of the XXXX / Amsher tradeline from all credit bureaus 2. Immediate withdrawal of the account from collections 3. Zeroing out of any alleged balance 4. Written confirmation that no further reporting will occur

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