Collections Agencies
Commercial Acceptance CompanyThis business is NOT BBB Accredited.
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Complaint Details
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Initial Complaint
11/12/2023
- Complaint Type:
- Billing Issues
- Status:
- Resolved
Received a letter from commercial acceptance on Feb 21 2023 addressed to my minor son as well as a call on February 22nd for my son who is a minor. The letter was in clear violation of the fdcpa as well as collection was less than a year old placed on credit report with all Three credit bureaus. A letter which is attached was sent certified mail back in February of this year with no response from the company. Only response was to report account in error.Business response
11/19/2023
The letter we had received in February 2023 was a cease communication request, which we have adhered to per consumer's request. We have also updated our system and the credit reporting agencies as we are required to do by federal law.Customer response
11/20/2023
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
Complaint: ********
I am rejecting this response because:
This is in clear violation of the FDCPA as when the letter and call were made where asking for my 4 year old son. The letter also clearly stated that if any adverse information be placed on my credit reports as a result of the notice that appropriate actions will be taken.
Regards,
***************************Business response
11/21/2023
The information was placed in our office under the minor's name but at that point we had no way of knowing the consumer was a minor. Once we found out we updated our system to the parent's information.Customer response
11/22/2023
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
Complaint: ********
I am rejecting this response because:
We received 3 notices in my son's name nothing was corrected to my name. Therefore the letters violated the FDCPA and again this needs to be removed
Regards,
***************************Business response
11/30/2023
The request has been sent to the credit reporting agencies for deletion.Customer response
11/30/2023
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Regards,
***************************Initial Complaint
10/29/2023
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I am not liable for this debt with **** *********** and out, I do not have a contract with **** *********** and out they did not provide the original contract as I requestedCustomer response
10/30/2023
On 04/19/2023 I received a phone call from *********** regarding this account I asked the representative to send verification of the original contract and I recieved nothing. She wouldnt even give me information over the phoneBusiness response
10/30/2023
We will be sending out the verification requested to the address on file.Initial Complaint
10/27/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
Credit report states that I owe $1,190 to ************************* for services on March 22, 2019. I did not require or receive medical attention from an ambulance on or near that date.Business response
10/30/2023
The account has been closed and a request for deletion has been made to the credit reporting agencies.Initial Complaint
10/25/2023
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I recieved a phone call from ********** they asked to speak to me I asked whos calling the lady continued to say is this ********************* gave my address date of birth and said I spoke to you a couple months ago never told me who she was calling in regards to but if I wasn't that person they are referring to she just gave my information to them and I said that to her she said ok you have a good day and hung up I ******* the phone number that's how I know the name of the companyBusiness response
10/25/2023
We will no longer attempt to make contact and have updated the credit reporting agencies accordingly.Customer response
10/25/2023
I need to know exactly what they mean they will update my credit report what are they gonna update it toBusiness response
10/26/2023
We have listed the account as disputed.Customer response
10/26/2023
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
Complaint: ********
I am rejecting this response because:
They said they would update my credit report as it being disputed I am not ok with the person calling me And giving my information without myself confirming it was me anyone could of been on the phone she was just saying my information and then said have a nice day this could be a very big lawsuit against the company for the way they handled the call and told my personal information
Regards,
*********************Business response
10/30/2023
We will no longer make any attempts to contact the consumer, a cease and desist has been listed on the record.Customer response
10/30/2023
Cease and desist letter on my credit report is not acceptable when they basically gave my information out over the phone not knowing who it was I want zero balance and permanent removal from my credit and no action from anyone else about this debt also would like a training for the staff at the outside collection agency on how to handle proper communication and not give personal information now I am concerned about identity theft and scams with my account also its still showing high negative impact on my credit as of todayCustomer response
11/07/2023
What are my options here they violated confidentiality and they agreed to not contact me but they also cease on my credit report I am disputing it as wellInitial Complaint
10/24/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debtBusiness response
10/26/2023
We are unable to locate the consumer's record with the information provided. In order to appropriately respond to this complaint, we would need more information.Customer response
10/26/2023
What information is needed? You have my name and phone number which was used to call me and my family members various times. My name and phone number should be enough for you to look up the account.Business response
10/30/2023
We have located the phone number you have listed, and that phone number is listed for another party. We have removed your phone number form the other party's information and you will not receive any more calls.Customer response
10/30/2023
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
Complaint: ********
I am rejecting this response because:The response claims that my phone number is associated with someone else's account which does not make sense. I have received voicemails at this number stating my name asking for me to return a phone call. My husband has also received phone calls from this company. I want the account closed and I do not want to be contacted again.
Regards,
*****************************Business response
11/05/2023
We are unable to locate any information pertaining to this consumer's name. We have checked our call recording system, and the phone number listed seems to have been associated with another party. We have since removed the phone number from that other party's information. If there are any further question or concerns the consumer may contact us directly.Initial Complaint
10/10/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
This company is calling me to collect on supposed damages to Apartment that we rented in ********* ******* the damages are normal wear and tear and we have video proof. PA Renters code states that they must file in small claims court to prove their case. We will be happy to fight them in court and win. If this collection agency wishes to follow the law and fight on behalf of ********* ******* they can do so their number is blocked I wish for no more contact from them and wish for them to resolve the dispute by proper channelsBusiness response
10/10/2023
This matter has been listed as disputed and have added a cease & desist. No further contact will be made.Initial Complaint
09/19/2023
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
I am being harassed by a ***** from Commercial Acceptance Company. Not only is she calling and harassing me, she is contacting family members. I have no idea how she obtained my sister in laws phone number. She did not release any information of why she is calling and when I return the call it only rings and goes to a generic voicemail. I left a voicemail asking to stop calling me and my family members and it still has not stopped. The calls need to end and send verification of debt as requested. I will take further action if it does not stop.Business response
10/01/2023
We are in the process of obtaining the information requested, so it can be mailed to the address on file. We will no longer make any attempts to contact via telephone.Customer response
10/01/2023
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Regards,
*****************************Initial Complaint
08/31/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
On 8/31/2023 @1422 hrs. and 1452 hrs., ******************** of: Commercial Acceptance Corporation **************************************, Camp Hill, PA attempted contact via phone, reference an alleged ambulance billing debt. I advised **************** that the alleged debt was not mine to pay and that I had attempted repeated past email and phone correspondence with the reporting ambulance company refererence this matter. I advised that I had previously offered to provide this information to CAC, so that they may contact said ambulance company and amend their records accordingly. As an additional measure, I had the erroneous debt scrubbed from my credit reports and advised **************** of this fact and that, "I monitor my reports closely!" Said statement seemed to anger ****************, who viewed the statement as a challenge to my resolve, by threatening to immediately reapply any derogatory marks to my reports. She subsequently stated, "You will be calling us back next month, when your reports get dinged again!", and she hung up the phone on me. Her attitude amounts to what can only be described as a lack of maturity, harassment, as well as an unlawful shakedown for monies not owed by myself or my wife. This is about principal and the fact that CAC presents as a predatory collection agency, seeking a weak mark for a debt which is not legally owed, with no regard to the actual responsible liable party, nor supporting facts! As such, this "business", (CAC), is to have No Further contact with me, nor my wife, nor my Department in any way moving forward! Further, if necessary, I am prepared to immediately retain legal counsel holding ALL liable parties accountable!Business response
09/11/2023
We have closed this account and have put a request in to the credit reporting agencies for deletion.Initial Complaint
08/27/2023
- Complaint Type:
- Order Issues
- Status:
- Answered
I am not liable for the debt with ****** **************** I do not have a contract with Commercial Acceptance Company, they did not provide me with the original contract as I requested.Customer response
08/28/2023
Dear BBB,
I mailed original document to collection agency and I did not make a copy. Please help with my issue as they did not provide me with legally required documentation requested. My next complaint will be to the CFPB (Consumer Financial Protection Bureau).
Business response
08/30/2023
We have not received any request for documentation, but we have now sent the requested information directly to the consumer.Customer response
09/09/2023
This complaint is in dispute on the credit bureaus.Business response
09/15/2023
We have reported the dispute to the credit reporting agencies as well.Initial Complaint
08/25/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
I'm not liable for this debt with **********************, I do not have a contract with commercial acceptance company they did not provide me with the original contract as I requestedCustomer response
08/26/2023
I sent them over multiple letters I even showed up in person at they office still they refused to provide me with that informationBusiness response
08/30/2023
We had sent the information requested to the address we have on file on 5/15/23, we have also listed the account as disputed.
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Contact Information
Customer Complaints Summary
82 total complaints in the last 3 years.
34 complaints closed in the last 12 months.
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