American Credit Educators ACE ripoff dishonest fraudulent billing Denver Colorado

I was a victim of American Credit Educator (ACE) and United Credit National Bank. They both reported me to the credit stated that I owed them money. What I did not know was ACE and United Credit National Bank was in fact the same company.

United Credit National Bank did try to grant me a card but the card was sent back because the offer was not what I expected. Despite returning the card and everything associated with it United Credit National Bank never closed the account and reported me to the Credit Bureaus stated that I owed them. I have successfully disputed the account with the Credit Bureaus and it has been taken off my credit report.

American Credit Educator was another story I disputed the account to all credit bureaus but they refused to take it out stated that ACE Claimed that I owed them. I contacted ACE but they didn't want to listen to me. I went to ACE Website www.AceAcct.com and tried to see what the account was about I can say that I was glad I did. I tried to logon to ACE website by putting the account # and my social security number but they only show how much they claimed I owed them which was $300.95.

I did not do anything from ACE website I closed the browser. A few days past by I received a payment Arrangement Notice Letter from ACE stating that I made a payment arrangement on such date and agree to send them the payment in such date.

ACE made a big mistake they did not include the Mini-Miranda warning in the letter. For those who does not know about Mini Miranda here what it is "The so called Mini-Miranda is a warning mandated by 15 USC 1600 which demands that all debt collection letters must carry an advisement that the letter is from a debt collector and is for the purpose of collecting a debt and that any information obtained from the debtor will be used for that purpose."

I wrote ACE a letter sent by priority mail explaining all the violation and the false accusation and request full proof of the obligation mail to me within 30 days of this letter. And if no such information can be provided to have the account remove off my credit report. Within two weeks I received a letter from ACE stating that they will remove the debt from their account and also request deletion of any items that they reported to the credit bureaus. I checked my credit report and ACE was no longer there. They know that they violate my rights and they have no choice. I have all the document just in case because I don't know I can sue or not...

Daniel
LITITZ, Pennsylvania
U.S.A.