Collections Agencies
Commercial Acceptance CompanyThis business is NOT BBB Accredited.
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Complaints
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Complaint Details
Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.
Initial Complaint
05/27/2023
- Complaint Type:
- Order Issues
- Status:
- Answered
I am not liable for the debt with COMMERCIAL ACCEPTANCE. I do not have a contract with COMMERCIAL ACCEPTANCE.You guys need to handle this issue. This has been going on for a long time now that I have seen my information. That's messing my Character & name up as a person.They are in violation & told me 30 days when I had fraud. A identity theft with police report I had attatched as well, they are in major violation.Business response
06/11/2023
The information provided in this complaint matches the information we have in our system. I do not see an ID Theft Report attached. We have listed the account as disputed to the credit reporting agencies and will be sending you verification of the debt.Initial Complaint
05/22/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
Commercial Acceptance Company 2300 Gettysburg Rd Ste 102, Camp Hill, PA 17011-7303 Account #: Fraud has been committed on my consumer report, which violates the FCRA & FDCPA. Commercial Acceptance Company is using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act (F.D.C.P.A.), 15 U.S.C. 1692 (G) Section 809 (B). This notice states that your claim is disputed and validation of the account is required: * Purchase Agreement * Evidence that vou are a licensed debt collector *Chain of Title *Proof that vou are license debt collector to collect in my state. * A requested copy of your State Department of Commerce and Insurance Certificate. THIS IS A REQUEST FOR ACCOUNTING: REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C $9-210. This authenticated record must include all tax filings (including all 1099's, 1096's, and 1098's) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines deleted from my consumer report. 15 U.S. Code § 1692e - False or misleading representations (10)The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. In addition please provide the contract signed between Commercial Acceptance Company & 01 ******* ******** *******, notarized and sworn under penalty and perjury for Commercial Acceptance Company ability to collect this alleged debt.Business response
05/29/2023
We have placed a request into the credit bureau agencies to have the account removed.Initial Complaint
05/17/2023
- Complaint Type:
- Billing Issues
- Status:
- Resolved
On 03/23/2023 I disputed the completeness and Accuracy of this collection on my consumer report and it has come back verified. I do not believe that Commercial Acceptance properly investigated this account because there are obvious inaccuracies. Remove this account for inaccurate reporting because the date of the last payment is missing. Since you have of not reported the date of the last payment it messes up two things. First, it shows does not help indicate when this account was actually charged off and secondly it manipulates the statute of limitations as I cannot tell when this account is supposed to fall off. This means that you were never given the true date of the first delinquency and this is causing me stress being reported Commercial Acceptance has violated 15 usc 1681s-2b of the fair credit reporting act. Since they have verified this account as accurate and there are obvious inaccuracies they failed the 5 duties of a furnisher when receiving a dispute which are all violations from each credit reporting agency they are reporting too I am Demanding Deletion from my consumer report or else I'm going to pursue litigation.Business response
05/26/2023
We have placed a request into the credit bureau agencies to have the account removed.Customer response
05/26/2023
[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
04/18/2023
- Complaint Type:
- Billing Issues
- Status:
- Resolved
March 2023 this collection agency provided false fraudulent misleading information. to the credit reporting agencies violating FCRA and state of *** ****** workers compensation laws and FDCPA and has refused to accept any dispute as required by lawBusiness response
04/26/2023
We have placed a request into the Credit Reporting Agencies to have the account deleted.Customer response
04/26/2023
[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
03/09/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
I saw my credit report and noticed that there are inaccurate and fraudulent accounts I needed to report and correct by your company. Evaluate and investigate those account that is not 100% accurate. Here are the lists that indicate the company name, balance, and date last reported:Account Name COMMERCIAL ACCEPTANCE Balance $412.00 Account Number *****************Business response
03/18/2023
We have listed the account as disputed to the credit reporting agencies and have sent out verification to the address listed in complaint.Initial Complaint
02/27/2023
- Complaint Type:
- Billing Issues
- Status:
- Resolved
I am a victim of identity theft and this is my formal request to remove all negative info and collections from my credit report(s) immediately.Customer response
02/27/2023
COMMERCIAL ACCEPTANCE COMPANY
Original Creditor Name
************** ****** *** *
Date Assigned
Sep 19, 2022
Original Amount Owed
$3,191
Amount
$3,191This is the account listed above.
Business response
03/06/2023
We have closed the account and put a request in to the credit reporting agencies for the account to be deleted.Customer response
03/13/2023
[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
02/26/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am not liable for this debt with Commercial Acceptance and do not have a contract with Commercial Acceptance. I have no original application as I had asked.Customer response
03/02/2023
The account that needs to be removed is a collection account #******XXXXXXXXXX that posted on Feb 2023 on my ******** Credit report.Business response
03/06/2023
We will be sending the verification to ****************** at the address on file and the account will be listed as disputed on the credit report. ****************** may contact us with any questions and or concerns.Initial Complaint
02/15/2023
- Complaint Type:
- Delivery Issues
- Status:
- Answered
I have received numerous calls from this company regarding a person who I am associated with but have no business disclosing information about. It is borderline harassment and the collection isnt for anything in my nameBusiness response
02/16/2023
The phone number listed in this complaint was provided to us by our client. I did check the call recordings and found that there was only one call made to that phone number and a voicemail was left. I have removed the phone number from our system and there will be no more calls made to that number again.Initial Complaint
02/04/2023
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
This company has been harassing my Grandmother and my Aunts. I have no medical bills and have no idea why they are doing thiswhen I see something ion writing I will handle any issues, but they are harassing my 88 year old grandmother and it needs to stop!Business response
02/06/2023
We were attempting to obtain location information for ***************************** in order to discuss a personal matter. Per **************** request, we will no longer attempt to make contact by phone. We have just mailed out the verification requested to the address on this complaint. ************ may feel free to contact our office directly with any questions and or concerns.Initial Complaint
01/18/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
Left message on voicemail that didn't identify who they are trying to contact. They also did not identify as a debt collector or that they were trying to collect a debt. This phone number is associated with 8 people.Business response
01/20/2023
The voicemail that was left is the only voicemail message that we are allowed to leave per FDCPA. We have removed all phone numbers on file and will no longer make any attempt to contact the consumer per his request.
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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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