- Report: #303659
Complaint Review: Asset Acceptance - Warren Michigan
-
Author Confirmed
Why?
Asset Acceptance
28405 Van Dyke Warren, 48193 Michigan, U.S.A.
Phone:
800-781-4401
Web:
N/A
Categories:
Business Rating:
(0)
Tell us has your experience with this business or person been good?
Asset Acceptance LLC Broke so many rules as they pertain to FDCPA that I want to file suit Warren Michigan
*Consumer Suggestion: "Survivor", First off, your loan officer screwed you!
*Consumer Suggestion: "Survivor", First off, your loan officer screwed you!
*Consumer Suggestion: "Survivor", First off, your loan officer screwed you!
*Consumer Suggestion: "Survivor", First off, your loan officer screwed you!
I have been dealing with Asset Acceptance since 2004 and last week it finally ended in court. Initially, I ignored them for 2 years, but in 2006, my husband and I applied for a loan and I was forced to deal with them as they had reported it to Equifax. I spoke to a rep and a supervisor several times over a 2 week period and they insisted I owed a Discover card bill in the amount of 5118.00. I repeatly asked for verification as I had not had a Discover card in 10 years and as far as I knew , it had been current. They refused to give me any information aand said it was their word against mine and if i wanted my loan, I would have to pay them. At the advice of the loan officer at my bank, I called Asset and requested a settlement letter so i could discuss it with my husband and make a decision whether to go forward with the loan and the rep said he could provide me with a letter for 20.00 which he could only accept a check for and not my credit card. 2 days later, i received the letter but somehow Asset had reported the 20.00 as a payment thus re aging my debt. I went forward with my loan and received a check paybale to Asset which I immedialty returned to the loan officer at my bank. There was no way asset would receive this check and I would rather the money be thrown away rather than pay a bill that was not mine. I later disputed Asset's claim on my Equifax credit report and it was removed due to it bing unverifyable. To make a long story short, an attorney contacted me last October 2006 and this December 07, I received a summons saying Assett was placing a lien on my home. I filed for a hearing right away and received one in January 23, which when I presented all my documantation and testimony, the judge threw out their case to attach. The attorney for proof of my debt had my 20.00 check and what looked like a credit application filled out by me with the date 10/30 and no year and no company name for what exactly i was filling out the application for. I would like to file suit and have plenty of proof, just dont know where to start. As a footnote, I have had cancer twice in this period of harrasement from them. I do not need the added stress of having to defend myself from these thieves
Survivor
gilmanton IW, New Hampshire
U.S.A.
Survivor
gilmanton IW, New Hampshire
U.S.A.
4 Updates & Rebuttals
Steve
Bradenton,Florida,
U.S.A.
"Survivor", First off, your loan officer screwed you!
#2Consumer Suggestion
Sun, January 27, 2008
"Survivor", Your loan officer screwed you. Plain and simple. NEVER pay something just to get another loan! That loan officer was only concerned with one thing. His commission and/or bonus for closing your loan. He DID NOT have your interest at heart at all. Most likely your "debt" was past statute of limitations and was legally uncollectable. This should have been the advice given by your loan officer. Check the SOL. Demand validation, etc. The SOL for CC debt in NH is 6 years. This means a 10 year old debt was legally uncollectable. All you had to do was go to court and raise the SOL defense. Dismissed! Now, you say you "repeatly asked for verification". It appears this is your second mistake. You "asked", which indicates you did it verbally, and there is no record of your alleged request. You need to DEMAND, not "ask". And you need to do it in writing, NOT verbally. In the future, Send your DEMAND by certified mail, return reciept requested. Be sure to put the certified # on the letter itself and keep a copy for your records as this proves exactly what you sent. NEVER sign anything you send to a bottomfeeder. Just print. Now, you will have to sue both the loan officer and the bank that gave you the advice to pay the debt off. And, you will have to sue the collection agency. These are your only options now, as the damage is done. You failed to act, and that is what the bottomfeeders count on.
Steve
Bradenton,Florida,
U.S.A.
"Survivor", First off, your loan officer screwed you!
#3Consumer Suggestion
Sun, January 27, 2008
"Survivor", Your loan officer screwed you. Plain and simple. NEVER pay something just to get another loan! That loan officer was only concerned with one thing. His commission and/or bonus for closing your loan. He DID NOT have your interest at heart at all. Most likely your "debt" was past statute of limitations and was legally uncollectable. This should have been the advice given by your loan officer. Check the SOL. Demand validation, etc. The SOL for CC debt in NH is 6 years. This means a 10 year old debt was legally uncollectable. All you had to do was go to court and raise the SOL defense. Dismissed! Now, you say you "repeatly asked for verification". It appears this is your second mistake. You "asked", which indicates you did it verbally, and there is no record of your alleged request. You need to DEMAND, not "ask". And you need to do it in writing, NOT verbally. In the future, Send your DEMAND by certified mail, return reciept requested. Be sure to put the certified # on the letter itself and keep a copy for your records as this proves exactly what you sent. NEVER sign anything you send to a bottomfeeder. Just print. Now, you will have to sue both the loan officer and the bank that gave you the advice to pay the debt off. And, you will have to sue the collection agency. These are your only options now, as the damage is done. You failed to act, and that is what the bottomfeeders count on.
Steve
Bradenton,Florida,
U.S.A.
"Survivor", First off, your loan officer screwed you!
#4Consumer Suggestion
Sun, January 27, 2008
"Survivor", Your loan officer screwed you. Plain and simple. NEVER pay something just to get another loan! That loan officer was only concerned with one thing. His commission and/or bonus for closing your loan. He DID NOT have your interest at heart at all. Most likely your "debt" was past statute of limitations and was legally uncollectable. This should have been the advice given by your loan officer. Check the SOL. Demand validation, etc. The SOL for CC debt in NH is 6 years. This means a 10 year old debt was legally uncollectable. All you had to do was go to court and raise the SOL defense. Dismissed! Now, you say you "repeatly asked for verification". It appears this is your second mistake. You "asked", which indicates you did it verbally, and there is no record of your alleged request. You need to DEMAND, not "ask". And you need to do it in writing, NOT verbally. In the future, Send your DEMAND by certified mail, return reciept requested. Be sure to put the certified # on the letter itself and keep a copy for your records as this proves exactly what you sent. NEVER sign anything you send to a bottomfeeder. Just print. Now, you will have to sue both the loan officer and the bank that gave you the advice to pay the debt off. And, you will have to sue the collection agency. These are your only options now, as the damage is done. You failed to act, and that is what the bottomfeeders count on.
Steve
Bradenton,Florida,
U.S.A.
"Survivor", First off, your loan officer screwed you!
#5Consumer Suggestion
Sun, January 27, 2008
"Survivor", Your loan officer screwed you. Plain and simple. NEVER pay something just to get another loan! That loan officer was only concerned with one thing. His commission and/or bonus for closing your loan. He DID NOT have your interest at heart at all. Most likely your "debt" was past statute of limitations and was legally uncollectable. This should have been the advice given by your loan officer. Check the SOL. Demand validation, etc. The SOL for CC debt in NH is 6 years. This means a 10 year old debt was legally uncollectable. All you had to do was go to court and raise the SOL defense. Dismissed! Now, you say you "repeatly asked for verification". It appears this is your second mistake. You "asked", which indicates you did it verbally, and there is no record of your alleged request. You need to DEMAND, not "ask". And you need to do it in writing, NOT verbally. In the future, Send your DEMAND by certified mail, return reciept requested. Be sure to put the certified # on the letter itself and keep a copy for your records as this proves exactly what you sent. NEVER sign anything you send to a bottomfeeder. Just print. Now, you will have to sue both the loan officer and the bank that gave you the advice to pay the debt off. And, you will have to sue the collection agency. These are your only options now, as the damage is done. You failed to act, and that is what the bottomfeeders count on.
