- Report: #795436
Complaint Review: American Acceptance LLC
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| American Acceptance LLC 3606A Morris Ave Suite Pueblo, CO 81008-1369
Canton, Ohio United States of America |
|
American Acceptance LLC Took out money without my approval or proff of this debt Canton, Ohio
*Consumer Comment: RE:
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The other day I received a call from this company American Acceptance LLC and was told that I owed an original balance of 632.00 to JB Robinson and said that now since I have been unresponsive to them that they sent it to an attorney's office and now I have attorney fees and the new balance was over 3200.00. I told them I haven't received anything from them or JB Robinson since Oct 2010 and that I always check my mail and haven't seen anything from them and I had been trying to contact them to get a payoff amount to pay it off when I got my taxes back. I was then transferred a good 5 times before speaking to a secretary who was very rude and threatened me. saying they would be taking all of my money out of my paycheck and wouldn't have any money left and that me and my 6 month old daughter would end up on the streets and starving because they needed their money.
I then was transferred to a Cynthia who was a little helpful but told me there was a rush order on the account because it was going to an attorney and I asked her if I could do a payment plan she told me that she could do one that I had to put 200 down by the next Friday then do 100 a month till the 632 was paid off. then she asked for my debit card and told me that I needed to have at least one dollar on the card for them to be able to hold the credit card information to be able to take out the 200 on Friday and since I didn't have any money on the card at the time she told me I would have to call back on Friday and set it up when I got paid.
well come Friday payday for me I go to the bank to withdraw my money and she had already taken out the 200 and my account overdrawn and now me and my 6 month old daughter and now getting evicted out of our duplex and have nowhere to go and it's the beginning of winte.
, this company is horrible and refused to change my address to the current one so I could look over everything told me it wasn't there fault that I never received any of their letters, I plan on talking to an attorney and filing a case against them now.
I then was transferred to a Cynthia who was a little helpful but told me there was a rush order on the account because it was going to an attorney and I asked her if I could do a payment plan she told me that she could do one that I had to put 200 down by the next Friday then do 100 a month till the 632 was paid off. then she asked for my debit card and told me that I needed to have at least one dollar on the card for them to be able to hold the credit card information to be able to take out the 200 on Friday and since I didn't have any money on the card at the time she told me I would have to call back on Friday and set it up when I got paid.
well come Friday payday for me I go to the bank to withdraw my money and she had already taken out the 200 and my account overdrawn and now me and my 6 month old daughter and now getting evicted out of our duplex and have nowhere to go and it's the beginning of winte.
, this company is horrible and refused to change my address to the current one so I could look over everything told me it wasn't there fault that I never received any of their letters, I plan on talking to an attorney and filing a case against them now.
This report was posted on Ripoff Report on 11/05/2011 03:43 PM and is a permanent record located here: http://www.ripoffreport.com/r/American-Acceptance-LLC/Canton-Ohio-44720/American-Acceptance-LLC-Took-out-money-without-my-approval-or-proff-of-this-debt-Canton-795436. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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You just learned a very painful lesson in how not to deal with debt collectors.
Never, ever give debt collectors your bank account #'s under any circumstances.
- Never assume that any legal threat for debt collection is a real legal threat. Debt collectors love to pretend that they are (or work for) attorneys to scare you into paying and to get your checking account numbers. There's a quick way to fine out. Next time they call and make a legal threat, ask for the full name of their attorney and their license number in the state bar association. If they refuse to give this info to you, then the legal threat is bogus
Honestly, in your case it's probably too late now. The only thing you can do now is close your checking account...otherwise they'll just try to debit it and it will go even further in the negative. You might want to contact your bank and see if you can get any of your money back for an unauthorized ACH debit.
For your reference, debt collectors by themselves have no legal power over you whatsoever. Most of the time they are bluffing with legal threats...which unfortunately worked in your case.
Honestly, in your case it's probably too late now. The only thing you can do now is close your checking account...otherwise they'll just try to debit it and it will go even further in the negative. You might want to contact your bank and see if you can get any of your money back for an unauthorized ACH debit.
For your reference, debt collectors by themselves have no legal power over you whatsoever. Most of the time they are bluffing with legal threats...which unfortunately worked in your case.
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