Doing Business As:
The Washington state dept. https://titleloansusa.info/payday-loans-ct/ of Financial Institutions (DFI) has received complaints of exactly exactly what seems to be a feasible commercial collection agency . Consumers report getting phone phone calls or emails claiming that the customers owe debts they don’t really owe. The folks behind this declare that the customers owe financial obligation to organizations with “ACS” in their names or the initials “ACS.” In one or more email change offered into the DFI, the folks sending the emails, through the exact same current email address, used ACS Incorporation, ACS Inc., ACS Legal Group, Advance Cash solutions and ACS interchangeably.
Some customers report getting duplicated collection that is harassing. The callers contact consumers at home and work. In certain cases, they will have called customers’ credit references. The callers frequently threaten appropriate action. A number of the callers claim become lawyers or people in police. The callers frequently have the consumer’s information that is personal as bank account figures and social safety figures.
Other customers report getting repeated emails that are harassing. These emails also threaten appropriate action, and will result from senders claiming become lawyers or people in police force. The folks sending these emails also provide use of customers’ private information.
None of this companies that are above-listed certified by DFI nor registered to conduct company in Washington State by the Department of Licensing (DOL), the Department of sales, or the Secretary of State. DOL licenses and regulates debt collectors under RCW 19.16.
DFI warns consumers to prevent give any nonpublic private information, such as for instance social safety quantity, charge card, or bank-account information to virtually any specific, website, or business without first verifying their identity and license status. Consumers can see whether a economic solutions business or person is precisely certified to conduct business within the State of Washington utilizing the “Verify a License” feature on DFI’s site at . Customers may also always check permit status with DOL at
“ACS Inc.” really should not be confused with the likewise named company “ACS (US), Inc.”
“American Credit Solutions, Inc.” should not be mistaken for the likewise known as business “American Credit Solutions”.
The individuals that are following been related to this obvious :
Shawn Johnson John Harris Liam Smith Adam Wind
These people utilize titles like “Sr. Investigation Officer,” “Investigation Officer,” and “Sr. Investigation Officer (Department – Law & Enforcement).”
The contact that is following happens to be connected with this obvious :
DFI cautions that unlicensed entities often take part in particular practices that indicate these are generally committing a fraudulence or Washington State that is otherwise violating law. As an example, such entities usually utilize non-business email details (such as for instance , or other comparable easily obtained e-mail addresses) to deliver communication, threaten legal or unlawful action if customers usually do not respond straight away, or have many different typographical and spelling mistakes within their communication to customers.
But, every so often, emails or letters from unlicensed entities participating in fraudulent task will include accurate information that is personal, such as for example present or previous addresses, active cell phone numbers, or social security figures. DFI encourages consumers whom get communications containing information that is personal to contact their banking institutions, credit-reporting agencies, therefore the personal protection Administration to make certain there isn’t any unauthorized task to their reports.
Business Collection Agencies Laws
From you, the collection activity may be subject to the federal Fair Debt Collection Practices Act (FDCPA) if you received a loan from a lender or owed money to a business and someone other than the lender or business is now attempting to collect. In the event that you get a communication from a party claiming that the debt is owed, you ought to request a “written validation notice,” which must are the number of your debt, the title for the creditor you owe, along with your liberties beneath the FDCPA. For those who have questions regarding business collection agencies regulations, contact the Federal Trade Commission at 1-877-FTC-HELPCall: 1-877-FTC-HELP, or online at
If somebody threatens to garnish your wages, contact your manager, or makes use of threatening, intimidating, or language that is offensive report such actions to mention and federal regulators. See below for just how to contact the right state and regulator that is federal.