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  • Report:  #210923

Complaint Review: Academy Collection Service - Philadelphia Pennsylvania

Reported By:
- Winston Salem, North Carolina,
Submitted:
Updated:

Academy Collection Service
10965 Decatur Road Philadelphia, 19154 Pennsylvania, U.S.A.
Phone:
215-3200424
Web:
N/A
Categories:
Tell us has your experience with this business or person been good? What's this?
In the past few days I have been bombarded with calls to my house, job, and cell phone from 215-320-0424. I finally spoke with Nancy Gray who informed me she was collecting on an old Providian Visa account that had been paid and eventually settled with not one, but TWO collection companies.

Nancy was quite snippy and stated I had to provide her with written proof immediately that the account had been paid and settled or she would file a lawsuit against me.

Problem is, despite numerous requests NEITHER company has provided me with ANY proof of payments! I have called, faxed, emailed and snail-mailed (with RRR!) and have been completely ignored.

To date, I have paid more than the original credit card balance and I refuse to pay another dime! I don't know whether I am more ticked off at Providian (original creditor) or the rip-off agencies they sold my account to, but I can't believe companies are allowed to do business like this!

Mona

Winston Salem, North Carolina
U.S.A.


1 Updates & Rebuttals

Steve

Bradenton,
Florida,
U.S.A.
Mona...This is exactly why you NEVER speak to or pay ANY collector!

#2Consumer Suggestion

Thu, September 14, 2006

Mona, First, it is not your responsibility to prove anything. The entire burden of proof is on them to prove you owe them the money. You say you settled the accounts with 2 collection agencies. Please tell me you did not do check by phone or Western Union. Always make them clearly put everything in writing and always use your personal check that you will have a copy of, and always make notes, like paid in full, etc..on the check. You should never speak to any collector on the phone. It will never do anything positive for you, and almost always makes the situation worse, as you have found out. Do everything by certified mail, return reciept requested. Put the certified# on the letter itself, and keep a copy for your records. By the means above send a request for DEBT VALIDATION where you clearly dispute the debt and DEMAND all documentation on the debt including whatever you signed and a full account history. They will need this to win in court. Furthermore, demand proof of ownership of the "debt". They need to prove they actually own it and you are entitled to see that proof, including who they paid, and HOW MUCH they paid, and a copy of the check or wire transaction and contract. They cannot sue for future value, they can only sue for what they actually lost, plus costs if they win. What they actually lost is nothing as they are not creditors, they do not extend credit, and they knowingly bought a charged off bad debt as an investment. Are they using the court to guarantee return on investment? Thats exactly what they are trying to do, and you need to expose that fact.

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