Consumer complaint received 2026-03-04 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: CA

Complaint narrative:
CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) COMPLAINT UNLAWFUL DEBT COLLECTION PRACTICES Complainant Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Email : XXXX Date : XX/XX/XXXX Parties Complained Against Original Creditor : XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, KY XXXX Debt Collector : Associated Credit Services , Inc. ( ACS ), XXXX. XXXX XXXX, XXXX, MA XXXX, ( XXXX ) XXXX ACS Account # : XXXX Original Account # : XXXX Amount Claimed : {$110.00} Summary of Complaint Associated Credit Services , Inc. ( ACS ) is attempting to collect a debt that ( 1 ) arose entirely from an unauthorized delivery on a confirmed closed account, ( 2 ) was subsequently written off in full by the original creditor, and ( 3 ) has been disputed four times in writing. ACS has falsely claimed the consumer never responded to their communications and has ignored all four documented disputes. Key Facts 1. Account closed XX/XX/XXXX. XXXX XXXX XXXX XXXX confirmed in writing via email on XX/XX/XXXX that account # XXXX was closed. Email from XXXX, Case # XXXX, explicitly states : " Our records confirm that your account was closed on XX/XX/XXXX. '' 2. Unauthorized delivery on XX/XX/XXXX. XXXX delivered water and bottles to my address on XX/XX/XXXX 28 days after account closure without my knowledge, request, or consent. Their own Invoice # XXXX confirms this delivery totaling {$53.00}. XXXX then sent a truck to retrieve all products, which I photographed. Invoice # XXXX confirms the bottle returns. 3. Original creditor wrote off entire debt. Despite the delivery being unauthorized and products being retrieved, XXXX added XXXX {$20.00} late fees, bringing the total to {$110.00}. On XX/XX/XXXX, XXXX XXXX issued a formal Bad Debt Write-Off of {$110.00}. Invoice # XXXX dated XX/XX/XXXX confirms the account balance is {$0.00} with " No Payment Due. '' 4. ACS collecting on a written-off, invalid debt. Despite the {$0.00} balance confirmed by the original creditor 's own records, ACS began demanding payment of {$110.00} in XX/XX/XXXX. All ACS communications have been conducted exclusively via email. 5. Four do cumented disputes ignored. I disputed this debt four times by email reply within ACS 's own email threads : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. ACS has falsely and repeatedly claimed I never responded an impossibility given that my replies exist within their own email threads. ACS continued collection activity after each dispute, most recently on XX/XX/XXXX, offering a {$79.00} settlement. ACS 's so-called debt verification provided on XX/XX/XXXX consists only of the same invoices that confirm the debt arose from an unauthorized delivery and was written off entirely. FDCPA Violations Section 807 ( 15 U.S.C. 1692e ) : ACS made false representations by repeatedly claiming the consumer never responded, despite four email replies within their own threads. Section 808 ( 15 U.S.C. 1692f ) : ACS is collecting a debt that is invalid it was written off by the original creditor and ar ose solely from an unauthorized delivery on a closed account. Section 809 ( 15 U.S.C. 1692g ) : ACS failed to provide meaningful debt verification. The documents provided confirm, rather than support, the invalidity of the debt. Relief Requested 1. Investigate ACS for FDCPA violations in connection with Account # XXXX. 2. Direct ACS to immediately cease all collection activity and confirm in writing that the balance is {$0.00}. 3. Ensure no negative information related to this account appears on my credit reports. 4. Take appropriate enforcement action against ACS. Supporting Documents Attached : XXXX email confirming account closure on XX/XX/XXXX XXXX XXXX invoices confirming unauthorized delivery ( XX/XX/XXXX ), bottle returns, and Bad Debt Write-Off of - {$110.00} on XX/XX/XXXX ( {$0.00} balance as of XX/XX/XXXX ) Photographs of XXXX truck ( the truck in the attached photographs bears the XXXX logo, which is a brand operated XXXX / XXXX XXXX XXXX retrieving water and bottles Email thread with ACS showing four dispute replies ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX ) within ACS 's own email threads ACS settlement offer emails ( XX/XX/XXXX and XX/XX/XXXX ) Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation