Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: Auto Acceptance, LLC
State: NV

Complaint narrative:
On XX/XX/XXXX, I received a phone call from XXXX XXXX Firm attempting to collect an alleged debt related to a XXXX XXXX XXXX. This account was previously removed from my credit report after reaching the statute of limitations, and there has been no valid activity on this account for approximately 78 years. 

I spoke with XXXX XXXX XXXX extension XXXX ) at XXXX XXXX XXXX. She claimed that a payment had been made in XXXX. I clearly advised her that no such payment was ever made, and that I did not acknowledge, contact, or make any payment on this account within the statutory timeframe. This alleged debt is time-barred under Nevada law XXXX 

I requested a customer service number to verify the alleged debt. XXXX was unable to provide one, which prevented meaningful verification. 

Due to the lack of verification, I independently located a phone number for XXXX XXXX via XXXX. I initially spoke with XXXX and requested transfer to the recovery or collections department but was disconnected. 

I called back and spoke with XXXX. I advised her that I was recording the call and explained the situation in full. XXXX stated that the only account she could see was a XXXX account and that no XXXX XXXX XXXX account existed. She stated she could not transfer me without an account number. I explained that XXXX closed in XXXX, making it impossible for me to provide that information. 

I requested to speak with a supervisor. After I advised that it is unlawful to sue or attempt legal enforcement on a debt after the statute of limitations has expired, XXXX asked whether I was calling about a XXXX XXXX XXXX, which raised concerns regarding inconsistent and unreliable information. This not listed on the website as the XXXX XXXX XXXX. I attached what the bottom of the websites states a contact number for The limited Accounts. She then stated she would transfer me to the collections department but instead placed me back into the general call queue, forcing me to restart the process. 




Why This Is a Problem The alleged debt is beyond the statute of limitations The account has been deleted from my credit report No payment was made in XXXX The debt can not be verified A law firm attempted to collect a time-barred debt The creditors representatives provided conflicting and misleading information The company made it unreasonably difficult to verify the alleged debt This conduct appears to violate the Fair Debt Collection Practices Act ( FDCPA ) and Nevada consumer protection laws by attempting to collect an unenforceable debt and misrepresenting the legal status of the account. 




Resolution Requested I respectfully request that : 1. All collection efforts regarding this alleged XXXX XXXX XXXX cease immediately 2. Written confirmation be provided that the debt is unenforceable and permanently closed 3. XXXX XXXX XXXX and any associated entities be prohibited from contacting me again regarding this matter 4. This issue be documented and investigated to prevent further unlawful collection attempts against Nevada consumers

Company response to consumer: Untimely response