Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Associated Credit Services, Inc.
State: IL

Complaint narrative:
In XX/XX/XXXX, I purchased a XXXXXXXX XXXX XXXX XXXX XXXX XXXX and enrolled in automatic monthly payments of approximately {$7.00}. Automatic payments were successfully processed in XXXX, XXXX, and XX/XX/XXXX. On XX/XX/XXXX, I received notice that a payment had been declined. This was unexpected because the credit card on file had not changed, remained active, had ample available credit, and continued to process numerous other recurring charges and subscription payments during the same period. I immediately contacted XXXX XXXX seeking assistance. On XX/XX/XXXX, XXXX XXXX informed me that it would continue attempting to process the payment every XXXX days and stated that no late fees had been assessed. However, subsequent payment attempts allegedly failed, and I continued receiving automated notices regarding delinquent payments. Over the following months, I repeatedly attempted to resolve the matter through emails and telephone calls. I sought an explanation for why a previously functioning payment method was allegedly being rejected and requested assistance in resolving the issue. My efforts were largely unsuccessful. I was unable to reach a live representative by telephone and left multiple voicemail messages that were not returned. When I did receive email responses, they typically directed me back to the membership payment website, where my only apparent option was to re-enter payment information. Because the payment method on file had not changed and XXXX XXXX never provided an explanation for the alleged payment failures, I had no reason to believe that simply re-entering the same information would resolve the issue. During this period, my membership was suspended and unavailable for use, which is why I repeatedly requested to speak with someone who could explain the problem and help resolve the matter. In XX/XX/XXXX, after continued unsuccessful attempts to resolve the issue, I expressly informed XXXX XXXX that I was willing and able to pay any legitimate past-due membership charges and requested assistance in ensuring that future automatic payments would process correctly. I also requested that a representative contact me so that the matter could be resolved. Rather than addressing the underlying issue, XXXX XXXX informed me that the account had been sent to collections and that it could no longer make changes to the account. A XXXX XXXX representative acknowledged my explanation that the automatic payments should have continued without issue and acknowledged my efforts to update and resolve the account, but XXXX XXXX nevertheless directed me exclusively to the collection agency. The account was subsequently referred to Associated Credit Services , Inc . I dispute the validity and amount of the debt being collected. In particular, I dispute fees, penalties, collection charges, and charges associated with periods after the membership was suspended and ultimately terminated. On XX/XX/XXXX, I submitted a written dispute and request for debt validation to Associated Credit Services. I requested documentation supporting the debt, a payment history, and an itemized accounting of the amount claimed. As of the date of this complaint, I have received no response.

Company response to consumer: Closed with explanation