Complaint / Review
American Credit Educator
Ripoff, fraudulent billing, false credit reporting, misrepresentation of facts

I have never owned a credit card in my life, yet ACE has me as having an account with $300 opened 10/1999.

I called and spoke to "Steve at extention 9" on 04/18 (who said he is a manager) and reported the fraud. He was not interested. All he wanted was $300, and tried to bully me to make a settlement.

I asked what the $300 was for, and was told by Steve it was for instructional material associated with my opening of the account. I told him I had neither ordered nor received such items.

He refused to give me a phone number for his legal department, and refused to let me speak with anyone in a senior position. He angrily told me he would not remove it from my credit report, and his "legal department" would take at least 45 days to respond.

I challenged him to play the recording of my order which he said was on file, and he could not. He again tried to get me to pay $300, despite my telling him it was fraud.

I will not pay for something I did not receive, and want this removed from my credit report.