Affiliated Acceptance Corporation An unlawful collection agency Sunny Beach, Missouri

Affiliated Acceptance Corp
PO Box 790001
Sunrise Beach MO 65079-9001

Complaint Description:
Affiliated Acceptance Corporation is misrepresenting themselves and claiming to be a third party billing agency, when they are a collection agency.
I had signed up at a tanning salon by the name of 'Urban Tannig' in February of 2012. I had signed a contract with the owner. At the time, I was working at First Associates LLC., a nearby company. I had explained to the owner of the company that my co-worker had referred me and that I appreciated that her salon was close to work, however, that I was not  planning on staying there for the duration of the tanning contract (6 months). The owner shrugged it off and told me it would not be a problem to cancel the account in the future and that the contract was a way for her to confine customers and create a customer loyalty base. After three months, I left the company. On the fourth month, I called the salon and spoke to a representative by the name of Melissa and asked to cancel the contract. Melissa told me that that wasn't a usual thing but
that she for sure could. I also asked her to shred my credit card information and to send me a notice that I could sign showing that my contract was canceled. After of week of not receiving this notice, I called and asked for someone to help me with this. The employee told me she would have the owner of the salon call me. I never received a call. I assumed the contract was canceled. A week later, on July 12th, Urban Tanning withdrew 67.00 dollars from my account, which overdrew my bank account that I had just emptied. I called the salon immediately and asked for help. Again, they told me the owner would call me and to give her 24 hours. Still no call. After four days of waiting, and bank fees adding up, I decided to dispute the charge (considering it was unauthorized). My Bank (Bank of America) had to do a two week investigation to resolve the matter. I wrote an affidavit, that they followed up with saying that Urban Tanning had indeed made an unauthorized charge and that this would not happen again because they were now blocked from my account. About two weeks later, I receive a
first notice from Affiliated Acceptance Corporation stating I owe the 67.00 and that late fees will be assessed. I work the same hours as the company and therefore could never reach a representative. The emails listed on their website are invalid. Today, 9-11-12, after receiving multiple letters from this agency (with a mini-miranda) at the bottom, I decided to give them a call. I spoke to representative by the name of Shyla who did not state a mini-miranda nor verify any demographics before discussing the debt. Having worked in collections for years, I am very familiar with FDCPA, and this agency broke the law numerous times in a very rude fashion. Shyla would not give me her last name, her business's license number, or her supervisor's name. She told me they had a collection department, and then changed the story, after finding out my career past, and told me they were not a collection agency. This agency is listed on the internet as a collection agency, and there are
multiple attorney websites requesting phone calls from upset consumers that feel violated. When I had my legal adviser contact them to try and get the information, they told him to send a POA letter. I called twice and was transferred to Shyla who immediately hung up on me. Finally, a customer service rep, Tracy gave me the fax number. She provided a
different last name for Shyla than what is listed online. I sent the POA letter in by fax. When my adviser called again, Shyla said she was off in ten minutes and did not have time for this matter. I will be contacting the FTC as well as the Attorney General's office tomorrow to report this situation. I feel that this company has broken the law in misrepresenting themselves, and refusing the give out public information. I am also disturbed by their weak professionalism and lack of customer service.

Your Desired Resolution:
I would like Affiliated Acceptance Corporation to speak to my adviser when he asks for information. I would like this company's legitimate company information. I would like this company to thoroughly investigate the contract and have the salon owner call me. I would like this company to revise their knowledge of FDCPA and privacy act and reconsider their
practice. I would like this 'debt' to be re-instated as UN-authorized before I take further action. If all of this can be done, I will still consider paying the initial amount due 67.00, although my bank has proved it FALSE. If this settlement is not agreed upon, I will take serious legal action and use every lawyer I have ever met in this industry to unveil your malpractices.