Complaint #1564152 submitted on 09/13/2015 relating to Action Collection Agencies, Inc.. Complaint relates to Debt collection Medical - False statements or representation Attempted to collect wrong amount.
Complaint was submitted via Web and sent to the company on Sunday 13th September 2015.
On XXXX I reached out to Action Collection Agency to resolve a debt on an old medical bill when I did n't have insurance for the amount {$790.00}.
I have been working with a mortgage company to be qualified for a house that my wife and I have been looking at to be conditionally approved with a favorable rate the mortgage company requested the negative trade line be deleted to give me the credit score bump to cross that thresh hold to qualify.
On a recorded line with Action Collection Agency we made an agreement that if I paid in full that the tradeline would be deleted. The women I spoke to asked her manager and she agreed to delete. The mortgage company faxed over a letter confirming what they told me.
I waited a few days and the mortgage company called and gave me the bad news. I was not approved at a reasonable rate.
The account was updated to " Paid Collection ''.
1. This is not was what agreed upon with ACA. It was clear that it was to be deleted.
2. " Paid collection '' stays on your credit file for 7.5 years barring me from a reasonable mortgage until that time.
This had been a huge disappointment for me and my wife. We essentially had to turn down the mortgage offer on a house that we had fallen on love with after a several month process. I am a man of my word and I expect ACA to act with integrity and right this wrong.
| Company | Action Collection Agencies, Inc. |
| Complaint ID | 1564152 |
| Date Received | 09/13/2015 |
| Product | Debt collection Medical |
| Issue | False statements or representation Attempted to collect wrong amount |
| State/ZIP Code | MA 027XX |
| Consumer Consent | Consent provided |
| Company Public Response | Company believes it acted appropriately as authorized by contract or law |
| Company Response To Customer | Closed with explanation |
| Submitted | Web 09/13/2015 |
| Result | Timely Response: Yes, Consumer Disputed: Yes |
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