Account Services Collections on Your Credit Report? Fight Back and Win

Last Updated:
April 8, 2023

Debt collection agencies are best described as a legal nuisance – while they can add an immense amount of stress to your life when you’re going through a difficult time financially, they are legally permitted to contact you in an effort to collect on an unpaid debt. To put a stop to the relentless phone calls, emails, letters and text, it’s important to be proactive and know your rights as a consumer under federal law.

In this article, we will outline some of the steps you can take to put a stop Account Service’s collection activity, as well as provide solutions should you ever find yourself toe to toe with the company in court.

Is Account Services Collections a Legitimate Company?


Account Services is a legitimate debt collection agency with headquarters based in San Antonio, Texas. The company purchases consumer debts from a range of industries, including healthcare, credit and consumer loans, retail debt, utilities, telecommunications and apartment complexes.

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Despite having a better reputation than more virulent collectors, a quick survey of this agency's Better Business Bureau (BBB) shows that they have received 11 complaints over the last three years. Most of these complaints are related to ongoing harassment via phone calls or other forms of contact, as well as issues regarding non-verification of the alleged debt balance that was owed by the consumer.

What Does Account Services Collections Do?

Debt collection is a process that can be both intimidating and frustrating for individuals. When someone is unable to pay off the debt they owe, creditors like banks and credit card companies may choose to pursue repayment through a debt collection agency such as Account Services Collections.

This debt collection agency specializes in purchasing debts at a fraction of their worth and then pursues repayment through various means such as phone calls, emails, or letters sent through the mail.

It’s important to note that while debt collectors do purchase existing debts from individual creditors, they do not create new ones. Additionally, there are laws in place to protect consumers from unfair practices or harassment from debt collectors such as the Fair Debt Collection Practices Act (FDCPA).

This law outlines what is considered acceptable conduct when it comes to pursuing people for past due payments. Familiarizing yourself with your rights when it comes to dealing with debt collection agencies can help protect you from being taken advantage of or harassed during this stressful time.

Why Am I Getting Phone Calls from Account Services Collections?

If Account Services Collections contacts you, then you most likely owe money to a creditor on an account that was seriously delinquent – in some cases, not recognizing the debt can be the result of it having slipped your mind or not receiving a bill at the correct address. However, it’s also not uncommon for this company to attempt to collect on debts you don’t actually owe or for inaccurate amounts.

Here are some of the circumstances where this may occur:

  • Debts you’ve already paid off

Make sure to keep any proof of payment, such as canceled checks or bank statements, in case of any disputes.

  • Debts that aren’t yours 

Be sure to review your credit report for any accounts you do not recognize and contact the relevant creditor if necessary.

  • Accounts opened due to identity theft

Be vigilant about monitoring your credit history for potential signs of identity theft, such as unfamiliar inquiries or credit cards.

  •  Debts that are falsely reported as late or unpaid

If you have proof to demonstrate that a debt was paid on time, send it directly to the creditor or collection agency along with a dispute letter.

While Account Services should verify your debt within 5 days of their initial contact, if they fail to do so or if you have any suspicions as to the accuracy of the information they have provided, then you should reach out to Fair Credit immediately - our firm offers a free case review. From there we will handle the dispute process and set you on the right path to get Account Services removed from your credit report altogether.

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

The FDCPA was established in 1977 to shield consumers from the unfair tactics previously used by debt collectors. These regulations serve to safeguard a consumer's rights when it comes to dealing with third-party debt collection agencies.

It's important to remember that any interaction with Account Services should be conducted according to established guidelines – the FDCPA was created to help protect consumers against unfair intimidation tactics commonly used by debt collectors. Here are some illegal tactics that Account Services may use while collecting a debt:

  • Harassment of any kind such as using abusive language, threats of violence or harm, or repeatedly calling the debtor.
  • Publishing the name of a debtor in public media or elsewhere to shame them into paying a debt they owe.
  • Lying to a debtor about the amount they owe, the legal status of their debt, or implying that nonpayment will result in arrest or other legal action.
  • Contacting a third party about the debt without consent from the debtor and without providing specific information about the debt and its origin.
  • Deceiving a debtor by making false claims such as representing themselves as attorneys or government representatives when they are not.
  • Attempting to collect additional fees, interest charges, or court costs from a debtor beyond what is legally allowed in the state where they reside.
  • Misrepresenting legal documents when trying to collect on a debt or using intimidating language on documents sent to consumers for collection purposes 
  • Contacting a debtor outside of reasonable hours (e.g., before 8 am and after 9 pm).

When dealing with debt collectors, it is essential that you be aware of your rights and understand how these regulations protect you against unfair practices and tactics employed by unscrupulous agencies. If you believe that your rights may have been violated, do not hesitate to seek justice through official channels; it could make all the difference in protecting yourself and your financial interests in the long run.

Contact Us for Your Free Case Review

At Fair Credit, we understand how difficult it can be to manage your financial obligations. Our mission is to provide our customers with the support and resources they need to get their finances back on track, while striving to make them feel as comfortable as possible throughout the process. We offer a free consultation so that you can discuss your personal financial situation with one of our experienced professionals without feeling overwhelmed or judged.

 Don't wait - contact us today to learn more.

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