ACC - Payday Loan Debt Collection Scam

Date Posted: 
Tuesday, May 3, 2011

Consumers are contacted at their home and work telephone numbers regarding supposedly delinquent payday loans. In some instances, the consumer applied for a payday loan but withdrew the application, and then subsequently started receiving collections calls. The representatives of ACC make numerous and repeated harassing telephone contacts with the consumer, sometimes threatening legal action unless the consumer pays the requested fees. The callers are also reported to have contacted consumers’ relatives or other references. These callers will sometimes identify themselves as law enforcement officers (sometimes referencing a badge number), attorneys from the “Legal Department” or even from the “Department of Crime Investigations.”

Consumers have reported that, in some instances, the caller has identifying information such as checking account information, social security information, and other nonpublic personal information. Consumers have reported that ACC is tied to various telephone numbers, including 520-336-9103. Calls to these telephone numbers either result in a message indicating that the respondent is not available, or that the number is disconnected.

ACC is not licensed by the Department of Financial Institutions as a payday lender or check casher or seller in Washington State. Additionally, ACC is not registered with the Washington State Department of Revenue, the Office of the Secretary of State to do business in Washington, or at the Department of Licensing Master Business Division.

These kinds of contacts should also be reported to federal law enforcement authorities. You may contact the Federal Bureau of Investigation online: or by telephone: (202) 324-3000. We also suggest contacting the Federal Trade Commission online: or toll free: 1-877-FTC-HELP (1-877-382-4357). Complainants have also had some success contacting their local telephone carrier’s nuisance department to stop calls.

If the caller has indicated they may know private information, such as your Social Security number, other account numbers, or contact information for work or other associates, you should take steps to protect yourself against identity theft. There is information on the FTC website about steps to take to protect yourself from identity theft, and what to do to protect yourself in the event you are a victim of identity theft.