Complaint Review: ACC

I have been contacted by this firm at least 15 times in the last 2 weeks. Sometimes 3 times a day.

Interestingly, looking up their phone # they show up as a Mortgage Broker and Credit Repair Company. Far from it.

I have informed them by phone and wring to stop all phone calls and provide me a copy of the credit application with my signature on it and a charge with my signature on it as I have never had a Credit Card from the company they are saying they are collecting from.

They call at all hours including 7am (After being asked if they knew the law on these types of phone calls.)They will not answer any question you ask but accuse you of theft and they will continue to report you to the credit agencies until this claim is paid. (I still haven't seen a claim, just an ammount ($)

This is a copy of my last letter to them.





Date: 1 NOV 2006 Certified Mail #:___________

Personal & Confidential

To: Barry Stein
ACC INC
P O Box 264
TAYLOR, PA 18517

Dear Mr. Stein,

I have been made aware of the laws pertaining to credit and collections and therefore am notifying you that under the provisions of Public Law 95-109 and 99-361, known as the Fair Debt Collection Practices Act, that your services are inappropriate to the issue between the alleged creditor and myself.

On Oct 20th at 7:45am, my wife received a phone call from you. She informed you that I had just had extensive spinal surgery and I could not get to the phone as I was still in bed. She also asked you if she knew it was illegal to phone before 8am in the morning. You told her you were well aware of the law and continued on. Attached are photo's of my caller ID. I could only document 2 of the 5 calls I know were made to our number before 8am but they were either deleted or scrolled off.

Not only do I have no knowledge of the debt you are referring to, but having been the victim of identity theft in the past, (Using names close to mine such as XXXXXXXX, XXXXXXXXXX, XXXXXXX no middle initial.) I am very guarded about giving out information over the phone. During another phone called made at 7:40am, you informed me that I owed you $21.000 and asked you to hold for a second as I needed to get my walker to go to my office to check records and you hung up on me.

I have spoken to you in the past and asked for documentation, specifically a copy of the contract I supposedly entered into with my signature on it and a copy of a charge on this account with my signature on it. You have failed to provide this documentation but you have not ceased calling my house at all hours of the day with continuous harassment.

You and your organization must cease and desist all attempts to collect the above referenced matter. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission, the State Attorney General's Office, and/or any and all appropriate Federal, State and Community Agencies or Departments. I will pursue all criminal and civil claims against you and your company if you violate my Rights. You may no longer phone or write to me concerning this matter as I will be dealing directly with the alleged creditor if it can be proven that I indeed entered into a contract with this entity. You have not supplied this proof as asked for in the past. I wrote the FDIC, and they advised me that the Credit Card Debt holder is only contractually liable to the credit card issuer

If any Negative Information is listed/placed on my Credit Bureau Report(s) and you do not remove any negative information you have placed there, I will be forced to file suit against the involved parties as well as you and your organization, both personally and corporately, to seek any and all legal remedies available to me by the law.


Sincerely


______________________________

cc: Fair Trade Commission
Credit Reporting Agencies

Michael
Gulf Breeze, Florida
U.S.A.