Conducting Business As:
The Washington State Department of Financial Institutions (DFI) has gotten complaints of just what seems to be a possible commercial collection agency . Consumers report getting phone telephone calls or e-mails claiming that the consumers owe debts which they usually do not really owe. The individuals behind this declare that the consumers owe financial obligation to businesses with “ACS” within their names or the initials “ACS.” The people sending the e-mails, from the same email address, used ACS Incorporation, ACS Inc., ACS Legal Group, Advance Cash Services and ACS interchangeably in at least one e-mail exchange provided to the DFI.
Some customers report getting duplicated harassing collection telephone calls. The callers contact customers at home and work. In a few full situations, they’ve called customers’ credit sources. The callers frequently threaten legal action. Most callers claim become solicitors or members of police force. The callers usually have the consumer’s information that is personal as bank checking account figures and social safety figures.
Other customers report getting repeated harassing e-mails. These emails additionally threaten appropriate action, and could originate from senders claiming become solicitors or people of police force. Individuals giving these emails likewise have usage of customers’ private information.
None of this companies that are above-listed licensed by DFI nor registered to conduct company in Washington State because of the Department of Licensing (DOL), the Department of sales, or perhaps the Secretary of State. DOL licenses and regulates debt collectors under RCW 19.16.
DFI warns customers never to offer any nonpublic information that is personal, such as for instance social protection number, credit card, or banking account information to any specific, internet site, or https://titleloansusa.info/payday-loans-tx/ business without first verifying their identity and permit status. Customers can determine whether a economic solutions business or person is correctly certified to conduct company within the State of Washington utilizing the “Verify a License” feature on DFI’s site at . Consumers also can always check license status with DOL at
“ACS Inc.” should not be mistaken for the similarly known as business “ACS (US), Inc.”
“American Credit possibilities, Inc.” really should not be mistaken for the likewise known as business “American Credit Solutions”.
The after people have been related to this obvious :
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 after email address happens to be connected with this obvious :
DFI cautions that unlicensed entities often take part in particular practices that indicate these are typically committing a fraudulence or otherwise breaking Washington State legislation. As an example, such entities usually utilize non-business e-mail addresses (such as for example , or any other comparable easily obtained e-mail addresses) to deliver communication, threaten legal or criminal action if customers don’t respond instantly, or have many different typographical and spelling mistakes inside their communication to customers.
Nevertheless, in certain cases, emails or letters from unlicensed entities participating in fraudulent task will contain accurate information that is personal, such as for example present or past details, active cell phone numbers, or social safety figures. DFI encourages customers whom get communications containing private information to contact their banks, credit-reporting agencies, as well as the personal protection management to make certain there is absolutely no unauthorized task on their records.
Business Collection Agencies Laws
In the event that you received financing from a loan provider or owed money to a small business and some body apart from the lending company or company is now trying to gather away from you, the collection task might be susceptible to the federal Fair Debt Collection techniques Act (FDCPA). You should request a “written validation notice,” which must include the amount of the debt, the name of the creditor you owe, and your rights under the FDCPA if you receive a communication from a party claiming that a debt is owed. When you yourself have concerns regarding commercial collection agency legislation, contact the Federal Trade Commission at 1-877-FTC-HELPCall: 1-877-FTC-HELP, or online at
If some body threatens to garnish your wages, speak to your company, or makes use of threatening, daunting, or language that is offensive report such actions to convey and federal regulators. See below for just how to contact the correct state and regulator that is federal.
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