American Credit Collections, LLC

Dont do business with them!!! dont give them any personal bank or other info!!!Be warned!!!!!!

I think this company is crap! They say that I owe them a ton of money but low and behold there is nothing on my credit reports to back this up. They cant produce anything documentation either. Oh and they will tell anyone who answers the phone your business!!!!!!!!!

i am having a very bad experience with this company the people working there are very rude i need someone to contact me (supervisor)

They just called for me ten times and told my room mate they really need to talk to me because I won ten million dollars!!! BULLSH*T

i have one of my worst experience with this company. the employees are and u couth. i was unlucky to talk to a woman called KIM.. she should be fired she is ignorant.. no people skills and rude .. since i was born i have never been yelled at or hang up on by customer service.her boss on the other hand is very professional.. please train your worker dont pick unlearned bitter women from the streets

I have been called several times by this company. They keep telling everyone who answers their calls that I owe money. The funny thing is that I included everything in my bankruptcy last year. They have no right to contact me at all.

this company needs to be investigated and shut down. a man named bernard davis called my father threatening to have me arrested if he didnt give him 1000 dollars. threatened me with lawsuits and questioning in a very rude manner how i was raised. he insulted my husbands character several times this company is crossing the line and they still have yet to prove debt is real. they are even calling my neighbors harrassing them.

These people just deducted $100 from my account without notice or authorization! These people will be reported to the BBB and I will file charges against them.

they are rude and will not disclose any information to you about your account. They will yell at you and degrade you. These people have no sense of being curtious or professional. i will report them to the BBB.

Why does this business still exist???? They called me out of the blue, and harassed me. It was the most horrible experience ever.

This fella has been leaving theatrical messages on my voicemail for ages. He loves to alternate between good cop/bad cop so that half of the messages sound nearly courteous and professional and the rest are disgusted character assaults and threats. Sometimes he'll switch mid-message! Starting with a rude attack then gracelessly shifting into nervous-sounding concern. I've been saving his messages lately since they make both he and American Credit Collections liable under the Fair Debt Collection Practices Act.

I owed money to Penn Foster school, I called them to settle and start paying on it. Jimmy Evans said I could settle for 550. Ive had some problems paying it and ended up getting fees tacked on to where ive already paid 750 to them. In december he said it was my last one, now exactly a month later he is calling me saying my payment is due and it was declined. I thought i was done in december and he waited a month later to contact me and say I owe more money.

The district justice dimissed the case against me by ACC for lack of proper evidence that I owed the debt they claimed. Fight these guys if you can. Hire an attorney. But do not let them take your hard earned money. I had the exact same experience with Bernard Davis as #10 above. He tried telling me a judgement had been made against me because I didn't attend the hearing (changed due to a continuance when I notified the DJ I intended to defend). This was clearly intendentional to pressure me to settle and an obvious violation of fair debt collection law. These people are so aggressive they will likely refile in the common pleas court but it was worth hearing the DJ say "case dismissed."

They called about a medical bill that was coded wrong for insurance payment - that was subsequently corrected and paid by my insurance - from more than 7 years ago. Not my problem someone failed to correct their paperwork. Worse, these people bought a pile of old debt and just started sending out demand letters from their "In-House Counsel" Too bad, first of all it was a billing error, second, it had already been corrected and paid and third, it was already 4 years past the statute of limitations for my state - so - I told them to go pound sand.
I was nice enough to give them the name of the facility to call to get the RIGHT information on how and when it was paid. I doubt they'll even follow up. The parting shot on the phone was - "we'll put this on your credit report and it will be there for seven years!!" I just told them to go for it. I'm a Dave Ramsey convert, we don't use or need credit!!

this company called me one day and threatened legal action when I first answered the phone. The woman who called me says right away "THIS IS YVONNE AND I AM SUING YOU!" I had never heard of this company before. After getting to the bottom of the situation and verifying I did owe an amount(not the amount they originally claim) I did pay them. It is now 3 months later and they are STILL reporting to my credit report as derogatory. I have been calling to find out why they have not reported as settled and kept getting voicemails with no return phone calls. I finally got ahold of someone by the name of GABE and he informs me VERY rudely that they are suing me and theres nothing I can do. I called back today and finally was connected to John Russell and he also was extremly rude saying to me "Ma'am I advise you watch your tone with me" at which point I advised him I was recording the phone calls so I advised him to watch his threats. This company is EXTREMELY unprofessional and try to intimidate you. I STRONGLY recommend if you have to deal with this company, record all phone calls and get an attorney. These people are horrible and despicable. I am still waiting to see if they actually hold up there part. I have a funny feeling I will be getting a lawyer to contact them.

This company is not licensed to collect any debt from me in my state. Just go to your state Dept of Financial & Professional Regulation and look up a license for any company who is trying to collect a debt. If they are not licensed to do business in your state you can file a complaint. Also know your rights as a consumer if any debt collection agency says they will have your wages garnished, have you arrested, give information to a 3rd party, calling you at work when you already told them to, wont send a debt validation letter. There are several lawyers out there that will file a lawsuit against the company for $1000 and you will get 75% of that portion. Don't allow these companies to harrass you.

This co. has an odd process of doing anything. I never got a call or any mail from them to settle. Next thing I know last Nov I beging to get mailings from lawyers offering bankruptcy options before I get a judgement. Then the first of 2011 I get served. I hire an attorney and the battle begins. First they tried to payoff a judge to just enter judgement and that went totally wrong. My attorney filed all sorts of motions and then they wanted to arbitrate. I said no based on his advice. So then they wanted to go to trial but the attorney dropped the ball so everything went back to the inhouse attorney. Guess they spent enough in Fee's and it was getting close to what they paid for it which they will not tell me. I even offered to settle for $3k and they said no. I think they bought mine for about $5k. So the inhouse attorney in May just says guess we will just go to court. It has been almost 5 months now with no word. My attorney has heard not a peep from them and I am like what is going on? He said they have to make the next move. So I am like what next move?? I thought we were going to trial. He says just wait until we hear something. Such an odd company.

I just had a conversation with one Julie from this company who asked if "I had nothing else better to do with my life than calling up people, and Collections Agencies to booth" I was sooo mad at the unprofessionalism and arrogance of this employee of ACC.