AC Partners

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I received a voicemail today, May 15, 2018 at 3:15PM CST stating that my immediate attention was required requiring file number DA-103399 in reference to a complaint that may be filed against me. I was informed to call 877.296.4022 to discuss pending allegations. Failure to correspond would result in the department proceeding forward without my consent. Not only did they call me, but they have called my uncle in California, abrother and his wife (both at home and at work) in Texas. At this point, I don’t know who else they may have contacted. When I first called, I only gave the referenced file number, but refused to confirm my full name and last 4 digits of my social. I then asked for them to mail me whatever it was they had on me, and the woman hung up on me. After hearing from my uncle and brother, I decided to call back. I immediately asked the name of the company and was told by ********* ***** ([email protected]) that it was AC Partners out of Temecula, CA. I was also told that I had a pending civil law suit against me for a JC Penney credit card (owned by GE Money Bank) and that the account was left unpaid and in collections, until it was charged off in 2014. They also informed me that Texas has a statute of limitations of 4 years, but that it wouldn’t expire until the end of 2018. I was told they werealready in pre litigation and would be charging me with a 10 year civil judgement. They said I had the ability to settle out of court for the amount of $320.30, but if we went to court it would be $2,025.28. I again asked for this information to be mailed to me, but was told they could email me immediately, once they had permission from the lawyer. While I was on hold waiting for this to happen, I pulled a copy of an old credit report that I ran on 5/31/2012 by TransUnion. The report then clearly stated that I had a credit limit of $200, a high credit of $52, a balance of $0 and a past due of $0. It also shows that this card was paid on 7/2008,closed on 11/2008 and verified on 4/2009. Once the woman came back on line, I told her this and that I wanted to dispute the claim. She said that it didn’t matter, that they would go off of their records and not mine, and said that I could reach out to JC Penney for verification, but that they would delay filing this in court until tomorrow. Now that I have the name of the company, I Googled them and found several other people claiming that this was a scam, that the company was using old debt for a quick buck to "settle out of court." It looks like they also go by Ashford Counsel Partners, Ashford Counsel Group or Ashland, and that they’re a phantom group for Dynamic Recovery Solutions.

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By Sam Lala