800-753-0633

This company try to collect $200 from my wife.  And treat to cancell all my accounts and her accounts.
When I call back All they had was Teh intials of my first Name.  My last name and my home number that is public.

The picked up the phone and try to collect money via treats even if you are not the person they are looking for

This is ACI, a collection agency:

http://www.acicollects.com/banking.html

Yeah, it's a collection agency, I got a call from them tonight from work. Actually, I wish I had seen this website first as ACI left a message and phone number for me to call them at and I had no idea who this company was.

They tried to collect on a Circuit City card account that I had that was bought from Chase Bank.

The thing is, I've been enrolled in a Credit Counseling service for the past year and that creditor (Chase) has been getting payments from the company I'm with, even though they refuse to participate in the Debt Management Plan, set up by the counseling service. The guy sounded nice in the beginning but gets a "snotty" attitude if you try to explain your circumstances.

Called my financial specialist soon after and they will put a stop to those calls.

This company is EXTREMELY RUDE & DISRESPECTFUL!!! My phone number is listed in the phone book using only my first initial. They are trying to contact my uncle with the same last name & first initial. I have been telling these people for MONTHS that my uncle can NOT and will NEVER be reachable at this number. I just received yet another call from this compnay, from MIKE WARD at ext. 2328. When I explained the situation (again) to him he began YELLING at me and demanding I give him current contact information for my uncle. When I told him I did not have it he accused me of lying because I should have a way to reach my relatives. I said it wasn't my problem if a relative of mine owed money to some collector and that he was never going to be able to close out his case by contacting ME. He said he would not remove my number from their database. When I asked to speak to a supervisor he REFUSED. I hung up and tried calling back but MIKE WARD picked up each time and continued to refuse to transfer my call. I called from a different phone using the *67 feature and was able to get their operator on the phone. When I AGAIN asked for a supervisor she transferred me BACK to MIKE WARD. At this point he claimed to have removed me from their files but I still insisted on speaking with a supervisor. He finally agreed, but as he handed the phone off to someone else I heard him say, "Put her on hold. [***]." When his supervisor finally came on and I told her the entire story, it took me SEVERAL requested before she finally agreed to provide his last name. As I told her, if YOUR company can call me at my home and harass and disturb me when I have nothing to do with your problem, you can at least give me the FULL NAME of the JERK calling me. I WILL pursue any avenues I can to report this RUDE company!!!!!

As someone that works for a debt collection company I can't make any excuses for what happened to you.  I for one will always remove a number shown to be incorrect.  It is a waste of my time to continue to call a bacd number.

What you have to understand is that the vast majority of debtors lie.  They will say anything to get you to step calling so they can avoid the reponsibility of paying the debt.  I would say that 80% of the time when someone says you are calling the wrong number I am actually calling the correct number.  Being on a job where you are lied to, hung up on, yelled at - sowrn at - is frustrating and would try anyone's patience.  Understand that the majority of debt collectors are good people that are just trying to do a job and even the most even tempered of us lose our cool once and awhile.  It is only human nature.

This company left a message on my answering machine asking me if I knew a person(my neighbor)and asking me to please pass on a message to them and have my neighbor call them back. I don't even know how they got my phone number. This man named Richard Colburn from ACI at 1-800-753-0633 ext: 2256 is bothering me over my neighbors debts. Unbelievable!

They called me 12 times in a one hour time span, they was looking for someone that I don't even know, I asked them to stop calling me and the guy told me no and said that I was a liar. I asked them to remove my number from the list and he said no. I asked to speak with his supervisor and he told me no as well.
The guy that left the messages was Mark Koontz Ext. 2319

I put the wrong number on the caller ID it was actually showed up not available.

Lighten up - just pass the message on to your neighbor and be done with it.  The fact is that unpaid debts of your neighbors is hurting you!!!  Until all of us wake up to the fact that the unpaid debts in our society are causing everyone else to pay more (higher interest rates, more fees, higher costs, lower availability of credit, etc.) then the responsible people that pay their bills on time will bear that cost.  We must as a society send the message that it is unacceptable to take on debt that one can not afford.  It is far too "in vogue" to gang up on the banks and the collection agencies and make them out to be the "bad guys".   There was a time in this country before "plastic" was so readily available that people actually saved their money up before making a purchase.  I can remember my grandmother paying weekly on a club at the shoe store or furniture store.  Then when she had enough in her account she would make the purchase.  Now the purchase is as easy as taking out your piece of plastic.  As a result people don't "feel the pinch" of how much it is actually costing them.  And, hey, if you can't pay the bill ... no big deal... just walk away from it and blame the banks, blame the economy, blame the president, blame the collection agency and take no responsibility.  Our society has surely evolved from the time my grandmother belonged to those store clubs.  We have eveolved alright - to a society that out of individual greed screws over the banks and therefore all of us.  A society where personal integrity has gone by the wayside.  So, vent and complain all you want on this site and others.  Just hope you all can sleep at night.

Have you ever been called over 100 times including morning, nights and weekends?  I can guess not from you stupid post.

i will sleep like a baby

so this is the place to vent.  I have not lived in new york in 7 years, currently on the other coast and they are accosting my sister since she divorced and went back to her maiden name.  it pays to be unlisted. for those reading and thinking wow, she does not pay her bills and allows fam to take the annoyance of calls...think again. 3 lay offs and restarted by life more times to have a way life that was not on the streets (no exaggeration) this was my wake up call. no credit cards..a mantra that will stay a very long time..no credit no credit no credit..all together now...no credit...just not worth the stress.

I didn't answer the phone. It rings and rings for 5 minutes!!!

Dude, you are a tool. It is NEVER ok to call someone regarding another's debt. For you to try to justify this behavior is idiotic. Get a life. Go after the debtor and ONLY the debtor. During this economic crisis the MAJORITY of people who owe have fallen on incredibly tough times. The MAJORITY of "these people" have every intention to pay back their debt but simply can't because of a lost job or something similar. You have lost all touch with reality. No wonder you come off as such a bully.

BS from an employee trying to justify their ILLEGAL COLLECTION tactics on those who do not owe money or can't pay at this time because the FINANCE COMPANIES TRASHED THE ECONOMY AND COST 10 MILLION PEOPLE THEIR JOBS!  

 
Pacific Towers – Suite 726
235 East Broadway
Long Beach, CA 90802

Telephone: 1 (562) 299-9600
Facsimile: 1 (562) 299-9624


File complaints with

Federal Trade Commission  https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en

Your State Attorney General
State Attorney General is every state they have offices

Link to all State Attorney General Websites www.naag.org

If you or they are located in NY – use this SPECIAL Link  www.NYDebtHelp.com
This special website was created by NY AG Andrew Cuomo specifically for reporting illegal debt collection practices.  HE’S CRACKING DOWN AND SHUTTING THEM DOWN!

Also report your calls and contacts with debt collectors at http://www.budhibbs.com/index.html  If the company is listed under agencies – report there. If not on the list YET, click on Watchlist! and add to the list.   You can also post here http://www.collectorsexposed.com/forum2/index.php?board=2.0

Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!    
The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!

Dealing with Debt Collectors
http://www.budhibbs.com/start.html


Statute of Limitations by State – always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/statute_of_limitations.htm


Recording calls from Debt Collectors - always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/record.htm


From Federal Trade Commission Website – FAIR DEBT COLLECTION PRACTICES ACT
Debt Collection FAQs: A Guide for Consumers
If you’re behind in paying your bills, or a creditor’s records mistakenly make it appear that you are, a debt collector may be contacting you.
The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.
Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.
Here are some questions and answers about your rights under the Act.

What types of debts are covered?
The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn’t cover debts you incurred to run a business.

Can a debt collector contact me any time or any place?
No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they’re told (orally or in writing) that you’re not allowed to get calls there.

How can I stop a debt collector from contacting me?
If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter – even if you don’t think you owe the debt, can’t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don’t want the collector to contact you again, tell the collector – in writing – to stop contacting you. Here’s how to do that:
Make a copy of your letter. Send the original by certified mail, and pay for a “return receipt” so you’ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt.

Can a debt collector contact anyone else about my debt?
If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don’t have an attorney, a collector may contact other people – but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.

What does the debt collector have to tell me about the debt?
Every collector must send you a written “validation notice” telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don’t think you owe the money.

Can a debt collector keep contacting me if I don’t think I owe any money?
If you send the debt collector a letter stating that you don’t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.

What practices are off limits for debt collectors?
Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:
    use threats of violence or harm;
    publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
    use obscene or profane language; or
    repeatedly use the phone to annoy someone.

False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:
    falsely claim that they are attorneys or government representatives;
    falsely claim that you have committed a crime;
    falsely represent that they operate or work for a credit reporting company;
    misrepresent the amount you owe;
    indicate that papers they send you are legal forms if they aren’t; or
    indicate that papers they send to you aren’t legal forms if they are.

Debt collectors also are prohibited from saying that:
    you will be arrested if you don’t pay your debt;
    they’ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
    legal action will be taken against you, if doing so would be illegal or if they don’t intend to take the action.

Debt collectors may not:
    give false credit information about you to anyone, including a credit reporting company;
    send you anything that looks like an official document from a court or government agency if it isn’t; or
    use a false company name.

Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:
    try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt – or your state law – allows the charge;
    deposit a post-dated check early;
    take or threaten to take your property unless it can be done legally; or
    contact you by postcard.

Can I control which debts my payments apply to?
Yes. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don’t think you owe.

Can a debt collector garnish my bank account or my wages?
If you don’t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt.
Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don’t ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.

Can federal benefits be garnished?
Many federal benefits are exempt from garnishment, including:
    Social Security Benefits
    Supplemental Security Income (SSI) Benefits
    Veterans’ Benefits
    Civil Service and Federal Retirement and Disability Benefits
    Service Members’ Pay
    Military Annuities and Survivors’ Benefits
    Student Assistance
    Railroad Retirement Benefits
    Merchant Seamen Wages
    Longshoremen’s and Harbor Workers’ Death and Disability Benefits
    Foreign Service Retirement and Disability Benefits
    Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.
    Federal Emergency Management Agency Federal Disaster Assistance
But federal benefits may be garnished under certain circumstances, including to pay delinquent taxes, alimony, child support, or student loans.

Do I have any recourse if I think a debt collector has violated the law?
You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can’t prove that you suffered actual damages. You also can be reimbursed for your attorney’s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector’s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.

What should I do if a debt collector sues me?
If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights.

Where do I report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General’s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General’s office can help you determine your rights under your state’s law.

For More Information
To learn more about debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government’s portal to financial education.
The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.
        February

Just more debtors blaming the debt on the finance companies and anyone else without accepting responsibility.  The lack of civility in the responses should be a red falg to anyone with morals and ethics.

Wrong. What is IMMORAL is attempting to involve innocent third parties (friends, neighbors, relatives) in collection schemes. Although I find your pity for the poor, maligned banks and collection companies heartwarming, I can't help but question your intelligence. Speaking as one who has never in his life been in collections (knock wood), I really resent it when debt collectors call the wrong number, accuse me of lying, demand that I "prove" to them who I am, attempt to extort my co-operation in their investigation of a debt that is not mine, and so on.

I am not being compensated by debt collectors for my time, and I have no moral or legal responsibility to assist them in their investigations of debts that are not mine. They are not law enforcement, and have no standing to demand even a moment of my time, let alone any information they think I might possess about another person.

Collectors are not performing a public service; they are a public nuisance. My assisting them will not make the world a better place for us all, nor will it lower anyone's interest rate or enable banks to make credit more available. And if you believe that co-operating with the bottom-feeding knuckle draggers in the collection industry will facilitate any of those goals, then I have a bridge I'd like to sell you. Nice bridge. Great condition.

Thanks for playing, Fred. Help yourself to a parting gift on your way out. And don't let the screen door hit your backside.

this is all a part of a chain of credit card frauds that are in india..so don't bother calling your states attorney. these people were employees of the credit card company chase. they got fired from there and they copied the files they had with chase and moved to india. i've had a call from someone that claimed to be chase and now a call from this number and ask for the same exact person

I received a call from this company regarding a Circuit City credit card that I owed money on.  Frankly, I had forgotten all about it.  I had no clue who "ACI" was so I never returned the calls for several weeks.  Before I returned the call I checked ACI out on the Better Business Bureau website.  It seems that ACI is one of the very few Collection Agencies that receives high marks from the BBB (an A- - one of only 13).  I did find nearly 100 collection agencies that received an F from the BBB.  After I did a little research and verified with Chase Bank that this company was for real did I return the call and make arrangements.  The agent that handled my account was very persistant to be sure.  But I think that many of the complainers have some kind of axe to grind.

YOU MUST WORK FOR A COLLECTION AGENCY!