I was stupid enough to go through a payday loan company during an emergency. I was then unable to pay immediately so I sent a payment of $50.00 to the original creditor.
While attempting to perform a business transaction, I found out that the payday loan company had sent my account to US Recovery Services of Fort Collins, CO. I contacted their office and was informed by the representative that payments would be fine.
After sending $115.00 total on the account and doing some research, I found that the company was in violation of the Fair Debt Collection Practices Act. I wrote a letter to them with my concerns. A week later I sent them another payment on the account. This last payment was returned to me with a note that stated "No Thanks".
I continued to send them payments and they continued to retaliate against me and return my money orders. I finally sent them the four returned money orders along with a new one for the balance of the account.
If anyone does business with this company beware. They harass and retaliate against you if you question any of their actions.
I am now dealing with ACA International of Minnesota, who is trying to straighten this matter out. They first response, after an Ethics Committee meeting, is a simple slap on the hands of the company. I will be asking for reconsideration with the Executive Committee and if I don't receive any satisfaction there, I will take it to the State of Colorado Attorney General's office and the Feds.
Everyone else is expected to follow the laws, why not this company!
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