Academy collection services sent letters to the addresses i lived in 20 years prior. My brother who now lives in my childhood home, told me i had been receiving phone calls and letters from academy collection.
My parents who own the home at the address i lived at for 10 years prior to my current address had received the same phone calls and letters. While i was at work they would call my wife everyday and and after a 30 seconds of silence, would say "are you people going to pay your debt, or what?"
This continued until i refainced and paid them in full, the whole time i was working towards refinancing, they continued to call and did not believe i was going for a loan to pay them. Example, i told them the loan was going to close on the 3rd, they would say that is too late we are going to have to "take action". It closed on the 3rd and i one day expressed them the money, they received it at 11:11 am, they had already called my house at 10am knowing they were getting paid that day.
I files a class action suit and nothing has surfaced as of yet.
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