Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc.
State: TX

Complaint narrative:
In early XX/XX/XXXX, I was visited by a door-to-door salesperson from XXXX XXXX ( XXXX XXXX for a subscription, which I signed up for. By XXXX, I had cancelled my membership as I was then in the process of moving. I remember the ability to cancel the subscription was difficult, so I also switched the payment method to an expiring credit card to ensure I would not be charged. I received no products or services from XXXX XXXX, and I moved in XX/XX/XXXX. I filed a change of address form with the XXXX and XXXX has a valid email address on file for me. 

No communication, bills, or other information were sent from XXXX to me for several years. 

In XX/XX/XXXX, I started receiving emails from XXXX XXXX, which I ignored as marketing. In XXXX they started making automated phone calls and additional emails mentioning that my payment account was expired, but they made no mention of any bills due, outstanding balances, or late fees that would indicate that they believed I owed any debt. I continued to ignore the emails and phone calls. 

In XX/XX/XXXX, they sent an email stating that I owed {$84.00}. I sent them this ticket using their online form : " I have received several emails from you recently. Note that I cancelled a long time ago and no longer live at the above address. '' They replied that account " XXXX account number> is listed under the name of <incorrect first XXXX XXXX last name> '', note the incorrect name and incorrect account number ( the correct number preceded by the number XXXX ), and they asked for clarification. After sending them back their own email on XX/XX/XXXX, and asking on XX/XX/XXXX if the issue was resolved, they replied that the account " Thank you for being a XXXX XXXX customer since XX/XX/XXXX. We received your message, and we understand that youd like to discontinue your service. Per your request, we have canceled your account as of XX/XX/XXXX, but we hope youll give us the opportunity to continue to earn your business.... this email serves as confirmation that your service with XXXX XXXX has been cancelled, effective XX/XX/XXXX. '' Which, while late, I interpreted to mean there were no further issues. For some time, I received no further communication from XXXX, though I had added them to my spam filter. 

On XX/XX/XXXX, I got a message from XXXX XXXX XXXX about a {$100.00} debt owed for this account. I checked my spam folder, and on XX/XX/XXXX, XXXX XXXX sent me an email saying : " Date : XX/XX/XXXX Account Number : <account number> Amount Due : {$0.00} Every effort has been made through friendly reminders and/or phone calls to notify you of the extreme delinquency of your account with XXXX Brands XXXX 

This is our last attempt to notify you of your delinquent account. The next notice you receive will be from a collection agency unless your balance is paid in full immediately. " Note the {$0.00} owed per the email. 

I have called XXXX XXXX, which said they would clear the debt, though they also recommended I contact XXXX to clear the debt. 

I called XXXX and disputed the debt, gave them my " new '' address, and they informed me that I would receive a letter in the mail and I would need to send a reply in the mail. I have not received their mail yet. 

I recently received an email from XXXX claiming " Validation of the debt '', which includes a PDF from XXXX XXXX and XXXX XXXX ( apparently they merged ), with the earliest date of : Activity From : XX/XX/XXXX - XX/XX/XXXX Billing Date : XX/XX/XXXX And subsequent late fees applied in XXXX, XXXX, it skips XXXX, and a fee in XXXX. The invoice dated XXXX XXXX 2025, after when I called XXXX to confirm the account would be cleared, it shows " BAD DEBT WRITE-OFF XXXX '' with the line item itself dated to XX/XX/XXXX. 

I never received any products or services from XXXX ( the alleged XXXX 2025 delivery could not have occurred at that address as I moved in XX/XX/XXXX2023 ), nor did I receive any of these bills in my email or mail, note that I did not have XXXX in my spam filter until after XXXX. The bills are also addressed to my old address from XX/XX/XXXX2022.

Company response to consumer: Closed with explanation