Review and analysis of over 59 complaints against Financial Credit Service, Inc.
Financial Credit Service, Inc. consumers have reported over 59 official complaints related to Taking/threatening an illegal action. Out of the 59 consumer complaints against Financial Credit Service, Inc., 10% were disputed by the consumer (i.e. the consumer was not happy with how Financial Credit Service, Inc. responded to their complaint) and 85% were processed in a timely manner. 0% of consumer complaints against Financial Credit Service, Inc. resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 0% resulted in non-monetary compensation.
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Financial Credit Service, Inc. Debt collection taking/threatening an illegal action threatened to sue on too old debt December 16, 2015 - A representative from the Asset Recovery Associates called me and claimed to be representing a bank - - Bank - to collect a debt that they said I still owed. They threatened me with a lien and to ruin my credit by having it cutoff. This debt was discharged in my bankruptcy in - of 1992. I have been careful to keep all my accounts paid and in good standing since then. I do not owe this debt but ARA scared me so that I agreed to pay. I have since learned that it is illegal to go after a debt that has been discharged. I stopped the payment from my credit card but ARA continues to try ... |
Financial Credit Service, Inc. Debt collection taking/threatening an illegal action threatened to sue on too old debt November 14, 2015 - I had a loan that is over 11 years old that I took out with my ex-wife. In my divorce decree it was stated that she assumed any and all responsibility for the debt associated with the house since she sold the home without my consent. Also the statute of limitations on this debt is well over the 4 years per - law where the loan was taken out and over the 5 years per - law where I currently live. This violates the Fair credit laws on the statute of limitations and my rights for freedom from the law that is meant to protect me from such actions. ... |
Financial Credit Service, Inc. Debt collection taking/threatening an illegal action threatened to sue on too old debt September 30, 2015 - ASSET RECOVERY ASSOCIATES, -- -, - -, IL, -, -, CONTACTED ME ABOUT A - - DEBT FROM -/-/-. THEY TOLD ME THEY WERE LAWYERS WHO WERE GOING TO SUE ME AND GARNISH MY WAGES IF I DID N'T AGREE TO A SETTLEMENT. - - - -. - ) CONTACTED ME ON MY JOB AFTER I TOLD HIM NOT TO. HE CALLED BACK AND ASKED FOR - - STATING THAT HE NEEDED TO SEND A GARNISHMENT ORDER ON ME. I HUNG UP AND HE CALLED AGAIN. HE CONVINCED ME THAT THE LAWYERS HAD A LEGITIMATE CLAIM AGAINST ME. - - HAD MY SS #, ADDRESS, EMPLOYER INFO, INFORMATION ABOUT RECENT PURCHASES, AND MY CRE... |
Financial Credit Service, Inc. Debt collection taking/threatening an illegal action threatened to sue on too old debt September 30, 2015 - Received a phone call last month from - - on -/-/15 from ARA ( Asset Recovery Assoc ), he called my home and spoke to a gentleman and before the phone call was over he called the man at my house a bone head ''. The person at home called me and was very upset that this unknown agency called my home phone for me and was that rude. So I called - back and he was very RUDE. He did n't want to talk about how he was rude to the person at my home all he would say was he was threatening to file a judgement against me for an old account that is 15 years old ( or older ). The threat of a ... |
Financial Credit Service, Inc. Debt collection taking/threatening an illegal action threatened to sue on too old debt September 28, 2015 - I received a message indicating that a complaint had been filed against me. The caller did not state the company name and only gave her name as - -. When I called, it took - attempts to get her to identify the company and give me the mailing address. - - said that it was a complaint from - Bank, a bank have not done business with in over 15 years. I explained that I settled my accounts at - over 15 years ago and have no debts with them. - - said that if my social security is - - - then the complaint is against me and they will take action. I would not verify... |
Financial Credit Service, Inc. Debt collection taking/threatening an illegal action threatened to sue on too old debt September 26, 2015 - About 20 or 25 yrs ago - said that i owe them some money but I never took out any loan or anything from -, I sent word to the D.A in their home town but they never got any word from them, now almost 10 yrs. later I get a letter fro a company called ARA Collection they took over the loan or some thing I do not know. Now they say I owe the around - and sum thing ... |
Financial Credit Service, Inc. Debt collection taking/threatening an illegal action threatened to sue on too old debt September 24, 2015 - A debt collection agency by the name of Asset Recovery Associates contacted me in regards to a credit card I had in which last payment was made in 2005, so they say. They threatened legal action against me stating liens on my new car, bank accounts, credit cards etc. I got scared and asked for more info. They stated I owed over $6000.00 but would settle for a little over $3000.00. I said i remember having a credit card when I was younger but had a limit of $1500.00. The man from the collection agency then said he would settle at $1500.00. I thought that would be better so I made a smal... |
Financial Credit Service, Inc. Debt collection taking/threatening an illegal action threatened to sue on too old debt September 17, 2015 - Received a phone call this morning from ARA - claiming to be a law firm ( - ). Claimed I owed a line of credit to - - - for $20000.00 from 1992 and that I needed to pay immediately or they would file a lawsuit with the - - Courts and the sheriff would be at my door with a summons. I told them I have never done business with - - - and have never had a line of credit. He said that it has showed up on my credit report for years and many attempts have been made to collect. I told him I have never seen this on my credit and I do not owe the money and that the statue ... |
Financial Credit Service, Inc. Debt collection taking/threatening an illegal action threatened to sue on too old debt July 9, 2015 - The debt in question was from several years previous. - There was no legal action at that time and no judgment etc. filed. Recently ARA Inc. contacted me by phone demanding that I pay that very old debt. The original amount of $20000.00. They advised me that they had contacted my bank and other creditors and determined I had the ability to pay. I told the representative that I did not like or were legally able to do so. I was told that it was determined that I was financially able to pay them. They were filing a petition to freeze or attach my assets. I advised them that the debt was very... |
Financial Credit Service, Inc. Debt collection taking/threatening an illegal action threatened to sue on too old debt July 1, 2015 - Called and told my employer that they were calling on a legal matter. When I was passed the call, I was told by - - of ARA , Inc. that she was contacting me and my employer to notify them of a judgement against me in the county in which I live. First of all, she herself stated the debt was charged off - ( which is a lie ). Secondly, I have never been notified of any court proceedings because there have been none. I have received numerous threatening letters and harassing calls even after requesting they do not contact me at work again. That debt was 7-10 years old -/-/- and I hav... |
Financial Credit Service, Inc. Debt collection taking/threatening an illegal action threatened arrest/jail if do not pay June 22, 2015 - Debt CollectionMy sister sent me a recorded message from a - - that threatened to serve her court papers at her home or job regarding allegations against - - for issuing worthless checks. I call the number, the representative answer the phone and she immediately asked me the name of my attorney and the attorney 's phone number. I attempted to request information on what the debt was for. The Rep said it was for finance charges for a payday loan. The debt was for Finance Charges for an online loan taken out in - 2011, and that the company was fully prepared to press charges to th... |
Financial Credit Service, Inc. Debt collection taking/threatening an illegal action threatened to sue on too old debt June 11, 2015 - Asset Recovery - Tel : - called me and threatened me with legal action ; threatening to sue me for over $11000.00 and put negative remarks on my credit reports. Threatened to obtain a judgment against me for a debt to - Bank '' from the - ''. Claimed I negotiated with them in - - never happened. Never received any documentation. I do not owe this debt and the debt would be uncollectable under the Statute of Limitations. They have my complete social security number so I pulled a copy of my credit report and saw they made an inquiry on -/-/-. I am a victim of identity theft ... |
Financial Credit Service, Inc. Debt collection taking/threatening an illegal action threatened to sue on too old debt June 9, 2015 - ARA Inc employees have called me several times, cursed at me, yelled at me, threatened to ruin my credit, threatened to contact my employer, and threatened to sue me over a disputed credit card debt the collection of which is barred by the statute of limitations. ARA Inc employees have been very abusive, and when confronted with the fact that the debt is disputed and not collectible they become even more abusive, and more threatening including calling me several more times. What prompted this complaint was a letter I received yesterday threatening collections action, again. ... |
Financial Credit Service, Inc. Debt collection taking/threatening an illegal action threatened to sue on too old debt June 3, 2015 - Asset Recovery Associates said I have a - debt from -/-/- ; I filed bankruptcy in -/-/- ; Collection company says this debt is not recognized by the bankruptcy but my lawyer says it is ; Collection company says they are going to place leans and garnishments if I do n't pay - immediately. The loan was paid down to - from the original - yet the collection company says I owe - if I do n't pay - by the end of the phone call. This company has been reporting this debt to the credit companies. They also ran a credit check on me during the phone call without my permission. ... |
Financial Credit Service, Inc. Debt collection taking/threatening an illegal action threatened to sue on too old debt May 29, 2015 - ARA INC. is threatening to sue me and seek judgement on a credit card debt that is - years old which is well past the statute of limitations. They have presented no facts or paper work and I do not beleive that I owe this debt. ... |
Financial Credit Service, Inc. Debt collection taking/threatening an illegal action threatened to sue on too old debt May 4, 2015 - Today, -/-/-, at -, I received a call from a company listed as ARA - ( I never heard of them nor business with them ). A rude and threatening collector identifying himself as - - recited my social security number, and advised me that the call was concerning a pre-legal matter that I was possibly unaware of that I owed. I was alarmed that a stranger was calling with my ssn in the - place and demanded to know what company was claiming that I owed them and he became very hostile. He said a - time that I was about to be served to court for the still ( unidentified debt ) und... |
Financial Credit Service, Inc. Debt collection taking/threatening an illegal action threatened to sue on too old debt April 10, 2015 - ASSET RECOVERY ASSOC. Inc. called me several times, and has sent me letters saying that I owe them $4400.00 on a a credit card I closed over 10 years ago. I checked my credit report, and they obtained my credit history in -. They said that they would take legal action if I did not pay. According to my credit reports, I owe no debt from this company. The FHA did a thorough vetting of me in -/-/-, and I paid all outstanding debt. These are scam artists. ... |