Consumer complaint received 2025-07-07 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, XXXX  XXXX Email : XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against XXXX XXXX XXXX  Identity Theft, Coercion, Disability Discrimination, and Improper Debt Collection Practices Dear CFPB Representative, I am writing to file a formal and urgent complaint against XXXX XXXX XXXX in XXXX, due to multiple violations of federal consumer protection laws, unethical collection tactics, abuse of power, disability discrimination, and the mishandling of an identity theft-related account. I am also requesting a full investigation and refund of all funds I was coerced into paying over the past 13 years. 
In XXXX, I was visited at my home by a sheriff who told me I was going to be arrested for a credit card debt. I explained to him that I had no knowledge of the debt, and had never opened or used such an account. He stated that he was there on behalf of XXXX XXXX XXXX, and told me, If you just sign these papers, you wont go to jail. You can just show up in court. Frightened and under extreme emotional distress, I signed the documents he gave me under threat of arrest and coercion, without any understanding of what I was signing. 
When I later appeared in court, I was experiencing an anxiety attack due to the traumatic circumstances and the confusion surrounding this alleged debt. I informed the court that I am XXXX and was under medical distress. I also attempted to explain that I was escaping an abusive marriage at the time, and I believe my ex-husband may have opened this account in my name without my knowledge. Instead of compassion or lawful accommodation, XXXX XXXX XXXX attorney XXXX ( spelling : XXXX ) told me the case was already a judgment, and threatened to have me locked up in the courtroom if I didnt calm down. This was extremely traumatic, especially considering I was trying to explain a valid defense involving identity theft and disability status. 
Even though I never agreed to the debt, and it was never proven to be mine, I made payments over a XXXX period totaling approximately {$1500.00}, simply out of fear and confusion. I was repeatedly pressured by legal threats and harassment into paying on a debt that was never validated, and which I maintain is not mine. 
On XX/XX/XXXX, I sent XXXX XXXX XXXX a certified letter with a final {$10.00} money order, clearly stating : If this money order is not accepted, you must return it within XXXX days. If you fail to return it, the debt will be considered paid in full. They never returned the payment. 
Instead of honoring my certified settlement terms, I was informed by XXXX XXXX XXXX on XX/XX/XXXX, that : A motion was filed for the defendants money order to be deposited into the plaintiffs XXXX  account. This indicates that XXXX XXXX XXXX placed my final settlement payment into a legal trust accountnot to resolve the matter, but apparently to continue manipulating or prolonging the case. They are now claiming that I owe {$4500.00} in interest, based on a supposed {$0.00} daily interest rate. 
I never agreed to this daily interest. I never saw this amount in writing. If they now claim that it appears in the paperwork I signed, I believe it was added after the fact or inserted into documents I signed under coercion and fear of arrest. 
XXXX XXXX XXXX  has never validated this debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), never provided original documentation or proof that I opened the account, and has continued to collect over 13 years with no evidence that I ever owed the money. They have also refused to address my identity theft concerns and disability disclosure. 
I believe this firm has violated multiple laws, including : - FDCPA : Collecting on unverified debt, coercion, false representations, refusal to acknowledge identity theft - FCRA : Failure to properly investigate identity theft and correct any false reporting - ADA : Threatening a XXXX person with jail time during a medical anxiety episode - UDAAP : Abusive legal tactics, psychological coercion, refusal to settle in good faith - Improper Use of XXXX Account : Holding funds after clear written settlement terms I respectfully ask the CFPB to : XXXX. Fully investigate XXXX XXXX XXXX and their unethical practices. 
XXXX. Order that this alleged debt be declared null and void, as it was never mine and resulted from identity theft. 
XXXX. Require the firm to refund me the {$1500.00} I have paid over the past 13 years under threat and duress. 
XXXX. Require that the debt be cleared and removed from any legal or credit records. 
XXXX. Hold XXXX XXXX XXXX accountable for any misconduct, discrimination, and illegal use of court authority against a XXXX individual. 
I am ready to provide certified mail receipts, court documentation, proof of payments, and a personal statement regarding my medical and emotional harm caused by this ongoing abuse. 
Thank you for your urgent attention to this matter. Please contact me at XXXX if additional documentation or information is needed. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation