Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Accounts & Advisers, Inc.
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX ( XXXX ) XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and False Service Claims Dear Consumer Financial Protection Bureau XXXX XXXX am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX Minnesota ) anXXXX XXXX XXXX XXXX XXXX XXXX the collection agency handling my account, for persistent harassment, improper collection activities, aggressive communication, and false claims of service. My XXXX XXXX account number is XXXX. 
Property Background and Issues The property in question is located at XXXX. The co-owner, lived in the house until XXXX, when the pipes burst, and she was forced to relocate. Following this, we struggled for several years to find a potential buyer for the property. In XX/XX/XXXX, we finally connected with a buyer and I visited the property to assess the preparations needed for a showing. Upon arrival, I discovered that the house was occupied by squatters, who were living there under false pretenses with a fraudulent lease. The police were called, and guns and drugs were found in the house. Unfortunately, we were unable to legally remove the squatters until XX/XX/XXXX. This squatting issue, along with the damage caused to the property, has prevented us from selling the house and moving past this difficult chapter. 
Communication and Billing Issues Despite explaining the situation to XXXX, a representative from XXXX XXXX, I was met with unsympathetic, unprofessional, and aggressive communication. XXXX continued to call me monthly from XX/XX/XXXX through XX/XX/XXXX, and when I was unavailable to take his calls, he began automatically emailing me copies of past due billing statements. These emails were unsolicited and caused additional stress. The equipment at the property has not been serviced since XXXX, yet XXXX XXXX continued to bill for services as though they had been rendered. 
Additionally, the payment card on file with XXXX XXXX expired, and no valid payment method was available. However, XXXX XXXX persisted in attempting to collect payment, even though no services were being provided and I had repeatedly informed them of the propertys uninhabitable condition. XXXX XXXX has now sent this alleged debt to XXXX Accounts & Advisors for collection. The collector who calls me is named XXXX from this agency, and he has been exceedingly rude, hanging up on me on XX/XX/XXXX, when I tried to explain this situation. 
The XXXX and XXXX XXXX XXXX has demanded the return of the equipment, but the equipment, installed in XX/XX/XXXX, is XXXX XXXX XXXX and has not been serviced since XXXX. 
Request for Debt Cancellation Given the circumstances, I am requesting that this debt be fully written off by XXXX XXXX and that I receive a statement confirming a {$0.00} balance on my account. The charges are invalid, and I dispute both the legitimacy of the debt and the conduct of XXXX XXXX and its collection agency. 
This entire experience has been traumatic, and I am still working to resolve the issues stemming from the squatting situation. The continued harassment from XXXX XXXX has added unnecessary stress to an already challenging situation. 
Supporting Documentation I have attached the following documents for your review : Correspondence with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXAmerican Accounts XXXX XXXX XXXX XXXX XXXX Summons Conclusion I request that the CFPB investigate the actions of both XXXX Water and American Accounts & Advisors for potential violations of the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. The false claims of service, improper billing, aggressive communication, and continued collection efforts are of great concern, and I hope your intervention can bring resolution to this matter. 
I am also sending a copy of this letter to American Accounts & Advisors directly. 
Thank you for your attention to this issue.

Company response to consumer: Closed with explanation