Consumer complaint received 2025-07-15 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:
: Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas XXXX Date : XX/XX/XXXX Dear CFPB Complaint Division, I am writing to file a formal complaint against XXXX XXXX Firm and Attorney XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX XXXX, Arkansas XXXX, for repeated violations of federal consumer protection laws, XXXX rights, and due process. 

Summary of Violations : 1. Fair Debt Collection Practices Act ( FDCPA ) Violations 15 U.S.C. 1692 1692e ( 10 ) : Use of deceptive means to collect a debt.

1692e ( 2 ) ( A ) : Misrepresentation of the amount owed.

1692d : Harassment, including threats of jail.

1692f : Unfair practices, including coerced payment plan.

1692g : Failure to validate the debt.

2. Fair Credit Reporting Act ( FCRA ) Violations 15 U.S.C. 1681 1681b ( f ) : No permissible purpose to access or use my financial information.

1681q : Obtaining my credit report under false pretenses. 



XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I submitted, believed to have been marked Paid in Full, was filed by XXXX XXXXXXXX XXXX in black and whiteobscuring potential evidenceand not in color as required for an accurate legal submission.

Possible violation of 18 U.S.C. 471 and Arkansas Code 5-37-207.

4. Violation of UCC & Arkansas Discharge Law Under A.C.A. 4-3-311 ( a ) ( i ) ( ii ), my payment was a good faith tender as final payment in full, with clear conditions provided in writing.

Grisham accepted and deposited the money order, making it legally binding under UCC 3-104 and 3-603 ( b ).

They have since refused to mark the judgment satisfied, constituting bad faith and unjust enrichment.

5. Failure to Notify of Court Filings ( Due Process Violations ) A filing dated XX/XX/XXXX was made in a XXXX case, and I was never notified. I only found it by researching court records. 

Another motion filed XX/XX/XXXX, was submitted without service or notice, violating Arkansas Rule of Civil Procedure 5 and my 14th Amendment due process rights.

6. Abuse of Subpoena Power Subpoena Duces Tecum On XX/XX/XXXX, I was served an illegal subpoena by a third party not listed as a legal process server, with no proof of service, no affidavit, and a demand for personal financial records. 

XXXX XXXX XXXX was informed in XXXX that the underlying debt was the result of identity theft, yet collection actions continue. 



7. Disability Discrimination ADA Title II & III In open court, I disclosed I suffer from anxiety and was having an anxiety attack. Attorney Grisham threatened to have me jailed unless I agreed to a payment plan I did not understand or consent tounder fear, coercion, and mental distress.

This violates the Americans with Disabilities Act ( 42 U.S.C. 12132 ) and my civil rights under Arkansas law.

8. Unjust Enrichment / Coerced Contract I was coerced in 2012 into agreeing to pay {$10.00} per month, which I did from XXXX. XXXX is now attempting to reopen the judgment and charge over {$4500.00} in interest I never agreed to. 



9. Unauthorized Request for Bank Information In XX/XX/XXXX, I received a document demanding I provide my bank information to set up automatic withdrawals, despite never consenting. The document was marked This is an attempt to collect a debt and is another act of harassment. 



I am requesting that the CFPB investigate these abuses, including : Improper legal filings Discriminatory treatment Violations of federal consumer protection and collection law Potential forgery and court misconduct Attached are documents including copies of the instrument, subpoena, correspondence, and responses from XXXX XXXX XXXX. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX UCC 1-308

Company response to consumer: Closed with explanation