Academy Collection service, Inc., Philadelphia, PA - rude treatment

Academy Collection service, Inc., Philadelphia, PA - rude treatment

collection agency

Academy Collection service, Inc.

10965 Decatur Road

Philadelphia, PA 19154

1-800-220-0605 / 1-215-281-7500 I would like to make a complaint about this collection agency

Both collectors that I have spoken with on the phone have been very rude and demeaning to me.

I have a copy of my bank statement that showed that I had paid by phone by that collection agency the amount of $500 on 2/26/04. They are saying that I wrote a bad check on purpose and they are saying that Citibank got my check when I didn't have enough money to cover it.

But MY bank statement it shows that that's the only $500 check that I made over the phone to Academy Credit Services for Citibank.

I tried explaining this to Marie Rodgers from that collection agency on 3/20/04. She only yelled back at me that she was going to send it to the lawyers for court action that I was a dead bead. I don't know what I am supposed to do. That are very nasty to people and do not offer anything on what we are supposed to do.

Thank you,

Teresa A W

Buffalo, NY 14223

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Comment On This

What Academy Services did here was terribly violate Federal Fair Debt Collections Practices Act, by using deceit and threaten a lawsuit, when they have no authority to file a lawsuit on someone in New York.

An entity can only file a Lawsuit on a person in their own home state by a State licensed Attorney. So they had no intentions of doing so.

A good place to file a complaint is with the Federal Communications Commission. The rules they govern are stricter. I believe it is complaint # 1008, or something like that. It's been a few days since I filed a complaint on another number.

FCC doesn't mess with complaints; and my complaints in the past have always been investigated!!!

FTC and donotcall, place complaints on a list, and will investigate, file charges if they see a pattern. So everyone needs to file complaints, so that there will be a definite pattern!.

Anyone have problems with Collection Agencies calling? There are laws to protect Consumers from these jerks. #1, they technically do not have any authority. They usually purchase charged off bills, from other creditors for pennies on the dollar. #2, because the bill is with an original creditor, you are NOT obligated to these jerks. They will try to convince you that you are. #3 the only way you become obligated to these agencies, is if you make payment arrangements with them; thereby creating a contract/agreement, where none exist, when they first contact you!!!

If you answer the phone, simply say:"I do not discuss financial matters by phone - send me a statement in writing and I will respond to it." Then Hang up!!! Otherwise, they will have you completely shaken!!! The longer they keep you on the line, the more chance they have, to get money from you including payment arrangements – or payment agreement/contract!!! You are NOT legally obligated to talk to them!!!

Collection agencies are ruthless jerks!!! They will tell you they are the original creditor when they are not - even though it is illegal, for them to do it, per Federal Consumer Protection Laws. You can legally sue them for $1,000.00 per violation.

When you do get a statement - google "FAIR DEBT COLLECTION PRACTICES ACT" One or more online Attorney websites will be shown. These websites will have valuable information, including a Cease & Desist sample letter; or a Cease Communication letter. Once received, it is a violation of the Federal Fair Debt Collection Practices Act, to contact you further.

You can also educate yourself by reading Consumer Protection Laws at www.ftc.gov; a lot of valuable information. Don’t have time, download and read later. You will be glad you did!!!

I am not an Attorney - just an Educated Consumer, in Consumer Protection Laws. I have spent hours studying these laws and becoming familiar with them. They have helped us and friends/family as well; and hopefully it will help someone, who reads this.

And for those self-righteous criticizers, who say, just pay your bills on time; things happen to people with Credit Card debt, medical bills etc., often beyond their control such as job loss, divorce, death, illness etc. and you find your self in a bind. We've been there, we know. You do not plan to pay late, or not make payments; but if the income quits - there's not a whole lot one can do! You then are forced to prioritize, Mortgage, Utilities, Car payment then food, if you can! Other things have to be let go!

I hope this information will be helpful to somebody who reads it!!! Also another site to check out is www.ccdnlaw.com, good information. And they can help you!!! If you fill out the contact us, put down your referral by tlcpetmommy – in the comments section; they will know who I am!!!