In May 2006, I received a letter from Asset Acceptance, LLC (AALLC) regarding Hurley State Bank and Tandy/Radio Shack. I was told in the letter that they were a collection agency trying to collect a debt (in the thousands of dollars). I NEVER bought anything on credit from Radio Shack nor a loan from Hurley State Bank. I never even heard of the latter financial institution.
I called AALLC twice and both times I was told to leave a message and they would return my call. Neither call was returned, so I sent them a letter informing them that this debt is NOT mine and the charges are fraudulant. I asked them to tell me where and when the charges were made and what for. I demanded proof of these charges, which I knew they would never find.
Today, 6-16-06 I received another letter from them. They provided none of the information that I asked for. Instead they said if these charges are fraudulant, I must provide to them:
1. A letter from the original creditor stating the account is fraudulant. (They provide no phone number or address as to who the creditor is).
2. A copy of a police report stating fraud or ID theft. (How can a cop file a report of fraud w/o proof).
3. A notorized fraud affidavit which we can get from the FTC website which they provided. (The affidavit is 7 pages long). The affidavit must also be notorized before submitting as proof of fraud).
4. A copy of a Credit Bureau Fraud Alert stating the tradeline will not be reported due to fraud. (I just happen to have copies of all three credit reports, obtained yesterday, because we want to refinance our house or take out a home equity line of credit. None of these companies are listed on any of my credit reports, so it's impossible for me to ask for a fraud alert for something that isn't there).
I called them today and once again, I was asked to leave my name and phone # and they would call me back. Well......you guessed it. They didn't call me back. If I don't get a response tomorrow, I will fire back w/another letter, only this time I won't be so nice.
I work for Dept. of Homeland Security. I'm going to turn this over to the legal office of Homeland Security AND send a letter to my State's Attorneys Office along with copies of many of the stories on this website.
I won't hesitate to tell AALLC that what they are doing is extortion which is terroristic as far as I am concerned. There is a real nice vacation spot for terrorists called Guantamino Bay, Cuba. I'm more than happy to make their vacation plans for them!
I've read every complaint on this website. I was dissappointed to hear about Gateway computers. We've bought 5 computers over the last 10 years, all Gateways. We have never had a problem, but we always paid cash too.
Reading about all the nightmares people have encountered with Hurley State Bank is ridiculous. Their deceptive practices are repulsive and illegal.
I guess I'm in for the ride of my life. I'll add updates as they occur.