AAA Credit Service Collection Agency Phone Harassment?
Is AAA Credit Service Collection Agency (ACSCA) calling you? Stop their phone harassment. Do they threaten to take legal action or garnish your wages? Are they calling you at all hours or several times a day? Are they telling your family and neighbors that you owe a debt? If so what they are doing is illegal and needs to stop. You have the legal right to stop ACSCA phone harassment. If a collection agency violates the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees. However, if you do not respond to a lawsuit, you may be responsible for additional costs such as legal fees and court expenses.
It is important to respond to collection actions promptly to avoid losing valuable time and facing default judgments, which can result in further financial consequences.
Are AAA Credit Service a Scam?
According to the Better Business Bureau website, they have been in business for 20 years. There have been 6 complaints filed against ACSCA with the BBB. The agency’s reputation is reflected in its BBB profile and customer feedback, which provide insight into its credibility and how it handles complaints.
Read more here: AAA Credit Service Collection Agency
Who is AAA Credit Service?
AAA Credit Service Collection Agency, Inc. is a third party debt collector located in Anaheim, California. Many consumers may not realize that they have rights when dealing with agencies like AAA Credit Service Collection Agency, Inc. ACSCA has been a party to a Federal Court case several times. They have been accused of violating consumer’s rights and illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer.
Address: 520 N Brookhurst St #204 Anaheim, CA 92801-5236
Phone: (714) 956-1100
AAA Credit Service Collection Tactics
- ➤ Using profanity or abusive language (prohibited by FDCPA, see line 806)
- ➤ Calling you before 8:00 a.m. or after 9:00 p.m. (prohibited by FDCPA, see line 805(a)(1))
- ➤ Calling you multiple times per week
- ➤ Talking to others about your debt
- ➤ Calling your workplace
- ➤ Threatening to sue you, harm you, or destroy your credit
- ➤ Telling you or anyone else that you’ve committed a crime
- ➤ Calling repeatedly for the wrong person
- ➤ Failing to notify you of your right to dispute the debt
- ➤ Trying to collect more than legally allowed
AAA Credit Service Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
- 📲 714-956-1100
- 📲 714-956-7173
- 📲 (714) 956-1100
- 📲 (714) 956-7173
- 📲 7149561100
- 📲 7149567173
If the answer is yes, then you are receiving calls from a known ACSCA number. You may be a victim of ACSCA phone harassment. The list above is not all the numbers that ACSCA uses. The calls can be from different phone numbers and it still be AAA Credit Service Collection Agency calling you. Contact our office right away so we can start the process to stop ACSCA from calling you illegally. The process to stop this harassment is easy and can be started by following a few simple steps. Just follow the prompts or instructions provided by our office to ensure the process is completed successfully. Above all, no one should live with harassment!
Complaints Against AAA Credit Service
The following is a sample list of complaints filed against AAA Credit Service Collection Agency in the past and can be found on Pacer.gov.
- 📝 8:15-cv-00268-JVS-DFM Aaron Estrada v.
- 📝 2:10-cv-00266-CI Feulner v.
- 📝 3:09-cv-01093-H-JMA Harris v.
- 📝 8:15-cv-01784-CJC-DFM Jennifer Jones v.
- 📝 1:09-cv-01187-LJO-GSA Brooks et al v.
Protecting Yourself from Harassment
Dealing with phone harassment from a collection agency like AAA Credit Service Collection Agency can be overwhelming, but understanding your rights is the first step toward protecting yourself. The Fair Debt Collection Practices Act (FDCPA) sets clear guidelines for how debt collectors and credit service collection agencies must conduct themselves when attempting to collect a debt. Under these fair debt collection practices, you have the right to be treated with respect and to demand that any communication from a debt collector remains professional and within the law.
If you feel that a debt collector is crossing the line—whether by calling you at unreasonable hours, using threatening language, or contacting you at work—you have options. One effective way to stop unwanted contact is to send a written cease and desist letter to the collection agency. This letter formally requests that the company stop contacting you about the debt. If the calls or letters continue after your request, you can report the behavior to the Better Business Bureau (BBB), the Federal Trade Commission (FTC), or your state’s Attorney General’s office. These organizations can investigate and take action against companies that violate fair debt collection practices.
It’s also important to be knowledgeable about your specific situation. Debt collectors, including AAA Credit Service, are not allowed to make false claims about what might happen if you don’t pay, such as threatening arrest or legal action they don’t intend to pursue. If you’re unsure about the debt or cannot afford to pay, don’t let intimidation tactics pressure you into making payments you can’t manage. Instead, consider reaching out to a professional, such as a credit counselor or an attorney, who can help you understand your rights and the best way to respond.
California residents benefit from additional protections under state law, which further restricts unfair or deceptive practices by service collection agencies. If you live in California and are experiencing harassment, you can contact the California Department of Business Oversight for guidance and support.
Remember, you are not alone in dealing with debt collection issues. Take advantage of resources like the BBB (www.bbb.org) and the FTC (www.ftc.gov) to learn more about your rights and how to file a complaint if necessary. You can also visit the AAA Credit Service Collection Agency’s website at www.aaacredit.com or contact them directly by phone or email to discuss your case and explore your options for resolving the debt.
By staying informed and taking proactive steps, you can ensure that your rights are protected and that any attempt to collect a debt is handled fairly and respectfully. Don’t hesitate to seek help if you need it—your financial well-being and peace of mind are important.
Consumer Rights Law Firm PLLC
Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contact our office to begin the process to stop their harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
If you are interested in learning more about how to safeguard yourself and prevent harassment from them. call us at 877-700-5790 for immediate assistance or visit our website.
Success Stories
Frequently Asked Questions
Why is AAA Credit Service calling me?
AAA Credit Service may be calling to collect payment on an overdue account or verify details about a debt you allegedly owe.
Is AAA Credit Service a legitimate company?
Yes, AAA Credit Service is a legitimate debt collection agency that works with creditors to recover outstanding payments, but their collection tactics must comply with the Fair Debt Collection Practices Act (FDCPA).
Can AAA Credit Service harass me with repeated phone calls?
No. Debt collectors cannot legally harass or threaten you. Repeated, unwanted, or aggressive calls may violate the FDCPA and the Telephone Consumer Protection Act (TCPA).
What should I do if AAA Credit Service is calling me about a debt I don’t owe?
If you don’t believe you owe the debt, send a written request for debt validation. Until they provide proof, they must stop collection efforts.
Can AAA Credit Service call me at work?
If you tell them that your employer does not allow personal or collection-related calls, they must stop calling you at work immediately.
Can I stop AAA Credit Service from contacting me?
Yes. You can send a cease-and-desist letter requesting them to stop contacting you. Once received, they can only contact you to confirm no further contact or to notify legal action.
Can I sue AAA Credit Service for phone harassment?
Yes. If AAA Credit Service violates your consumer rights under the FDCPA or TCPA, you can sue for up to $1,000 in statutory damages, plus attorney fees.
Does AAA Credit Service affect my credit report?
If a collection account from AAA Credit Service appears on your credit report, it can lower your credit score. You can dispute inaccurate entries with the credit bureaus.
How can I verify if AAA Credit Service is contacting me legitimately?
Request a written debt validation notice including the creditor name, amount owed, and your consumer rights. A legitimate collector is required to provide this within 5 days of first contact.
Who can help me stop AAA Credit Service harassment?
Consumer Rights Law Firm PLLC can help you stop illegal collection calls, protect your credit, and take legal action for financial compensation.