7179014557

Guy said his name was Carl- called both my office and cell numbers within minutes of one another saying "I have a personal and confidential message for...".  Then he asked to confirm a date of birth....  How creepy...

Came into my cell, since I don't answer numbers I don't know - I didn't pick up.
And now for sure as heck I won't either. Thanks to those who did answer.

Stop putting up with this folks. Do what I did, Call the police tell them you get harrasing phone calls from these people. The Police will call them back and tell them you will be filing a complaint, if they call again. The Phone calls will stop Immediatly...

I get these calls every single day. I don’t answer. They are so annoying!

It's a collection agency, located in Camp Hill PA.

I believe this  a collection company however they reached a wrong number and got extremely rude telling me I am a liar and that they would keep calling

Same happened to me they said they want to know my location. That's not going to happen if it was legit then they would know my address.

called and left message about a debt. Do not have any debts so i blocked this number on my phone. It is a scam!!!

Commercial Acceptance Company (collection Agency)
2300 Gettysburg Road
Suite 102
Camp Hill, PA 17011-7301

Unless you can legally record a conversation, refuse to discuss anything with them on the telephone.  Inform them they must (per FCRA law) must send you written notification of the debt in question.  Once notification is received, send another letter asking for FULL details as to exactly what the debt is owed for.  For example, I have a local hospital doctor's group (which is made up multiple units) without details, there is no way I can determine who the original debt (or group) I supposedly owe money to.  The collection agency MUST adhere to your request for detailed information.  Most importantly, get EVERYTHING in writing, do not discuss anything verbally with these deadbeats.  If they continue to harass you without the detail you require, you can possibly seek financial compensation in a court of law.  Also, seek out the statue of limitations for your state.  Do not be intimated or just pay the amount requested because you received a demand letter.  Good luck!

Everyone can legally record a conversation.  In two party states they must inform the other party that the call is being recorded.  The Fair Credit Reporting Act (FCRA) has absolutely not one single thing to do with debt collection.  It covers (surprise!) credit reporting to credit bureaus to make sure that the reports are correct and fair!  You do not have to demand a dunning or "g" letter since the actual law that covers debt collection (Fair Debt Collection Practices Act or FDCPA) actually requires them to send it within 5 days of first contact.  You would then send them a debt validation request where they would then have to go back to the original creditor to get the information.  Once they receive that letter (which should be sent by certified, return receipt mail) they must stop all collection activity until they provide that validation letter.  There is no "statue of limitations".  There is a "Statute of Limitations" which is an actual law.

Try actually reading and learning before giving advice that is basically wrong and misleading people.

Statute of Limitations by state:   http://www.nolo.com/legal-encyclopedia/statut ... hart-29941.html
https://www.fair-debt-collection.com/sol-by-state.html

FDCPA:   https://www.ftc.gov/system/files/documents/pl ... actices-act.pdf

FCRA:   https://www.consumer.ftc.gov/sites/default/fi ... porting-act.pdf

statue
noun
stat·ue | \ˈsta-(ˌ)chü \
Definition of statue
: a three-dimensional representation usually of a person, animal, or mythical being that is produced by sculpturing, modeling, or casting
https://www.merriam-webster.com/dictionary/statue

statute
noun
stat·ute | \ˈsta-(ˌ)chüt, -chət\
Definition of statute
1 : a law enacted by the legislative branch of a government
2 : an act of a corporation or of its founder intended as a permanent rule
3 : an international instrument setting up an agency and regulating its scope or authority
https://www.merriam-webster.com/dictionary/statute

Keeps calling my husbands cell # and asking for his help in locating me...If I owe a debt I’m sure whoever I owe money too has my full address and phone #!

They left a message asking for the location information of the parent or guardian of my 4-year old nephew.

I am receiving a call from this company. It is for an ambulance bill. The amount is high. All they will tell me is date & amount, but not the hospitals. Going through Identity theft. When, not given all the facts & my questions are not answered, you will not receive a cent from me! This company is extremely rude & will not give all the facts. Treat me rude & I promise you, you  will get hung up on & reported!!

Finally someone has posted the name of this DC

You will need to send them a certified, return receipt debt validation (by law they have to go back to the original creditor to prove you owe the debt), cease and desist calling, or "not me" letter (this will be the best money that you have ever invested).  Also send it first class mail in case no one will sign for it.  Make a notation of that fact at the bottom of the letter.  You also need to report them to the proper agencies to which I have provided links to.  Then you need to go out and get a consumer lawyer to sue them on a contingency basis (no money out of your pocket) and let them pay you for the harassment.  If everyone did these three things, these crooks would be bankrupt, and we would all be the richer for it.  Use these web sites to find an attorney in your state that will probably take the case on a contingency basis (no money out of your pocket up front):  http://www.consumeradvocates.org/
http://www.consumeradvocates.org/find-an-atto ... tates_value=All

Everything else you need to know follows including at least two or more federal and state agencies where you should report their criminal activities.

COMMERCIAL ACCEPTANCE COMPANY

Website says they are in Pennsylvania:  https://www.commercialacceptance.net/

BBB gives them and B+ rating with 32 complaints and 1 negative reviews as of 5/26/22, note that the BBB removed 4 negative review since 7/28/19:  https://www.bbb.org/washington-dc-eastern-pa/ ... ll-pa-211042113

Pennsylvania Dept. of State info:

COMMERCIAL ACCEPTANCE COMPANY
Current Name
Business Entity Details
Officers
Name
COMMERCIAL ACCEPTANCE COMPANY
Entity Number
1063223
Entity Type
Business Corporation
Status
Active
Citizenship
Domestic
Entity Creation Date
11/07/1988
Effective Date
11/07/1988
State Of Inc
PA
Address
2300 Gettysburg Rd Harrisburg PA 17112-0 Dauphin
Name
CARL J SUCCA
Title
PRESIDENT
Address
2 W MAIN ST SHIREMANSTOWN PA 17011-6326

Name
JANIS E CREASON
Title
SECRETARY
Address
2 W MAIN ST SHIREMANSTOWN PA 17011-6326

Name
SHIRLEY E GILLARD
Title
TREASURER
Address
2 W MAIN ST SHIREMANSTOWN PA 17011-6326

It is incumbent upon them under the law to prove that the debt exists and that you owe it, and (this is the important part) that they have the legal right to collect it.  You are not obligated under the law to prove that you don’t owe or that it is paid. 

Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) postmarked within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes.  The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.  If and when you get that letter you should immediately send that debt validation letter by certified, return receipt mail.

First, you should make a complaint at this Federal Agency, and while there you should also read up on how debt collection is supposed to work as well as what your rights in this matter are: https://www.consumerfinance.gov/

Also file complaints with the FTC: https://www.ftccomplaintassistant.gov/#crnt&panel1-1

Also file a complaint with your State Attorney General's office.
List of State AG’s offices:   https://800notes.com/faq/attorney-general

As well as the PA AG’s Office:   https://www.attorneygeneral.gov/Quick_Links/P ... omplaint_Forms/