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Asset Acceptance Capital Corporation [AACC] / not my account

1 PO Box 2936Warren MI, United States Review updated:
Contact information:
Phone: 1-877-850-0087

This company sent me a letter on an account that is not mine, I have complained to the BBB and to the credit agencies and reported that someone opened an account in my name without my knowledge . Now after so many years this company is harrasing me I want them to stop now.

Eb
Nov 13, 2013
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Comments

  • Al
      6th of Dec, 2013
    0 Votes

    Unfortunately, the BBB can do nothing about your situation. Asset Acceptance is a low life, bottom feeding, debt buyer. They have no documentation to backup anything they claim. All they have is s name, last known address, amount owed, and last payment date. They might even have the last 4 digits of the person's SS#. That's it! If they can't find the actual person they are looking for, they will look for someone with the same last name, around the last known address of the person they are looking for. They will then start harassing THAT person for the 'debt', in hopes that the person will pay the 'debt' to make them go away! As crazy as this sounds, it happens all the time. You stated that you've been dealing with them for years. It's obvious, then, they haven't sued you for the 'debt'. The reason they haven't is because they KNOW they don't have the documentation to back up their claim in court. If you haven't sent them a validation request, do so. Ask for two pieces of information. 1) Proof that the 'debt' is authentic, and 2) Proof that Asset Acceptance has the legal standing to demand a penny from you. Also demand that they stop calling you at any time and at any number. (If you put it in writing, they musty stop, by law). Do not sign the letter, simply type your name at the bottom. Send the letter certified with return receipt requested. Once you've received the return receipt, proving they received the letter, wait 30 days for a response. After the 30 days, go online to www.naca.net (Nation Association of Consumer Advocates). On the site, you can find consumer attorneys in your area who specialize in bottom feeders like this. Most have a free consultation. If they take your case and sue the collector and wins, the debt collector has to pay your atty fees! If there are violations of the law (On the surface, there seems to be many in your case), the collector will have to pay you for violating them. I hoe this helps!

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