Account Control Technology on Your Credit Report? Fight Back and Win

Last Updated:
June 22, 2023

Dealing with creditors and debt collectors can be overwhelming. It's hard to know what the best steps are to protect your rights and try to negotiate an agreeable resolution. When you're dealing with Account Control Technology, a third-party collections agency, having a strategy is even more important.

In this article, we'll provide insight on how you can successfully negotiate with Account Control Technology, as well as offer information about the company and your rights under federal law so you feel equipped to take control of your financial future— whatever that looks like for you.

What Does Account Control Technology Do?

Debt collectors, such as Account Control Technology - a California-based agency founded in 1993 - act as intermediaries between creditors and people owing a debt. The primary goal of debt collectors is to locate the debtor, verify the amount owed and collect payment for the creditor.

Depending on their business model, some debt collectors charge a small fee to the original creditor for handling collections or purchase outstanding debts from creditors for pennies on the dollar.

Debt collectors must adhere to federal regulations that govern reliability and prevent abusive behaviors when contacting debtors, such as calling too frequently or being overly aggressive. Their techniques vary but often involve attempts to negotiate an agreeable payment plan acceptable to both parties while reminding debtors of their legal obligation to pay. 

Is Account Control Technology a Legitimate Company?

Yes, Account Control Technology is a legitimate debt collector. If you need to get in touch with this company about a debt, they can be reached using the following information:

  • Phone Number: (800) 394-4228
  • Address: 21700 Oxnard St #1860 Woodland Hills, CA 91367-7595
  • Website:
  • BBB Rating: 1/5

Account Control Technology has come under scrutiny over the past year, with criticism that their debt collection practices are overly aggressive and unethical.

Evidence against them includes dozens of individual complaints filed with prominent consumer protection organizations like the Better Business Bureau and Consumer Financial Protection Bureau - these range from allegations of rude and unprofessional behavior to claims that the company pursued illegitimate debts. 

It's important to be aware of the company's poor reputation when negotiating with the company and to document any violations that may occur.

Why Am I Getting Phone Calls from Account Control Technology? 

When you're contacted by Account Control Technology regarding an outstanding debt you don't recognize, it's important to take the time to assess the situation before taking any action.

While being pursued for a debt you don't recognize can often be explained away due to changes in address or not receiving an expected bill, there are cases where the debt might actually not belong to you at all or the amount demanded could be wrong.

It's wise to make sure of everything before accepting any payment plans or committing to anything related to the dispute. Here are some circumstances where the debt could be inaccurate or illegitimate:

  • Debts that have already been paid off in full.
  • Accounts opened and debts incurred by an individual other than the consumer due to identity theft.
  • Debts that are inaccurately reported as past due or unpaid on a credit report.
  • Debts for which the consumer has documentation proving that they have already been paid off in full.

If you believe a collection agency is attempting to collect debt not belonging to you, don't accept it passively. You have the right to stand your ground and request documentation from the collector that proves their claim as valid.

What Can I Do If I’m Being Harassed by Account Control Technology?

The FDCPA exists to protect consumers from being subjected to any type of illegal behavior. By familiarizing yourself with your rights under this law, you can take back control of the situation and ensure that the debt collector abides by federal laws. 

These restrictions include the forbidding of repeated phone calls and harassment, as well as false or misleading information; these laws safeguard you from any unlawful activities that may be used in an attempt to collect payments. Knowing your rights expands your options for dealing with collection companies like Account Control Technology.

Here are some prohibited practices under federal law:

  • Misrepresenting the character, amount, or legal status of any debt
  • Threatening to take any action that cannot legally be taken or that is not intended to be taken
  • Communicating with consumers in a harassing or abusive manner (e.g., using obscene language)
  • Contacting consumers without disclosing their identity, as well as the fact that they are debt collectors
  • Using false, deceptive, or misleading representations when collecting debt, such as falsely implying that they are attorneys or government representatives
  • Attempting to collect fees, interest, and other charges on top of the amount of the debt not authorized by law or the original contract
  • Contacting third parties, such as employers and family members of the consumer, about alleged debts unless specifically authorized

Navigating debt management can be a difficult and complicated process. To protect yourself from any potential unfair practices, it is essential to be informed of your consumer rights and to take advantage of the protections that you are qualified for. Having written records of any discussions with Account Control Technology is invaluable in the event of a dispute.

In extreme cases, cause for legal action should be considered, at which point a lawyer's expertise can help guide proper recourse over the issue. Taking steps to understand and secure your rights will not only guard against potential violations but also create peace of mind during the debt management process.

Contact Us For Your Free Case Review

At Fair Credit, we recognize the immense strain that consumer rights infringements and collection agencies can have and are dedicated to combating unfair collection practices. Our team of highly qualified legal professionals specialize in resolving even the most complicated of cases swiftly and effectively, always with our clients' rights in mind.

Ready to take action?

Don't let these companies get away with violating your rights and causing you financial & emotional distress.

Free Case Review