Conducting Business As:
The Washington state dept. of Financial Institutions (DFI) has gotten complaints of exactly just what is apparently a feasible business collection agencies . Consumers report getting phone calls or e-mails claiming that the consumers owe debts which they usually do not really owe. The individuals behind this declare that the customers owe debt to organizations with “ACS” inside their names or the initials “ACS.” In a minumum of one email change provided to the DFI, the individuals delivering the emails, through the exact same current email address, utilized ACS Incorporation, ACS Inc., ACS Legal Group, Advance Cash Services and ACS interchangeably.
Some customers report getting duplicated harassing collection telephone calls. The callers contact customers at home and work. In certain instances, they will have called consumers’ credit sources. The callers frequently threaten appropriate action. Lots of the callers claim become lawyers or people of police force. The callers frequently have the consumer’s information that is personal such as bank checking account figures and social protection figures.
Other customers report getting repeated emails that are harassing. These e-mails additionally threaten appropriate action, and may also result from senders claiming become solicitors or people in police force. The individuals delivering these emails likewise have use of consumers’ personal information.
None of this companies that are above-listed certified by DFI nor registered to conduct company in Washington State because of the Department of Licensing (DOL), the Department of Revenue, or even the Secretary of State. DOL licenses and regulates debt collectors under RCW 19.16.
DFI warns customers to prevent give any nonpublic information that is personal such as for example social safety quantity, charge card, or bank-account information to virtually any individual, internet site, or business without first verifying their identity and permit status. Customers can see whether a services that are financial or individual is correctly certified to conduct company into the State of Washington utilizing the “Verify a License” function on DFI’s web site at . Customers may also always check license status with DOL at
“ACS Inc.” really should not be mistaken for the likewise known as business “ACS (US), Inc.”
“American Credit Solutions, Inc.” really should not be confused with the likewise known as business “American Credit Solutions”.
The individuals that are following been connected with this apparent :
Shawn Johnson John Harris Liam Smith Adam Wind
These people utilize titles like “Sr. Research Officer,” “Investigation Officer,” and “Sr. Research Officer (Department – Law & Enforcement).”
The contact that is following happens to be related to this obvious :
DFI cautions that unlicensed entities often participate in specific practices that indicate these are typically committing a fraud or Washington State that is otherwise violating legislation. As an example, such entities often use non-business e-mail details (such as for instance , or other comparable easily obtained e-mail addresses) to deliver communication, threaten legal or action that is criminal customers usually do not reply straight away, or have a variety of typographical and spelling errors within their communication to customers.
Nevertheless, in some instances, emails or letters from unlicensed entities participating in fraudulent task will contain accurate private information, such as for instance present or previous addresses, active cell phone numbers, or social protection figures. DFI encourages customers whom get communications containing private information to contact their banking institutions, credit-reporting agencies, and also the personal Security management to make sure there isn’t any unauthorized task on the reports.
Debt Collection Laws
In the event that you received that loan from the loan provider or owed money to a business and somebody apart from the lending company or company great site is now trying to collect away from you, the collection task can be susceptible to the federal Fair Debt Collection methods Act (FDCPA). In the event that you receive a communication from an event claiming that the financial obligation is owed, you ought to request a “written validation notice,” which must are the number of your debt, the title regarding the creditor your debt, as well as your liberties beneath the FDCPA. The Federal Trade Commission at 1-877-FTC-HELPCall: 1-877-FTC-HELP, or online at if you have questions regarding debt collection laws, contact
If someone threatens to garnish your wages, speak to your company, or uses threatening, daunting, or language that is offensive report such actions to mention and federal regulators. See below for simple tips to contact the right state and federal regulator.