his name is james nelms..office is 1675 niagara st buffalo ny. ex felon/convict. file charges asap...reverse charges from your bank. they are liars and its illegeal...call the police in your county and erie county. james nelms is his name.Reply!

Well that's what people like us are for, because maybe we can understand after the posibilities of spending a loan on Happy Hour, you may forget for years to come.

Now that the Rooster is crowing, time for you to wake up Shill!

Anyone receiving a call from "American Acceptance" may find this useful

From the BBB http://www.bbb.org/buffalo/business-reviews/c ... o-ny-235964981/


American Acceptance
2612 Bailey Ave, Buffalo, NY 14215
Phone: (716) 563-7420
(866) 963-4904(Phone)
(877) 290-9011(Phone)
Fax: (716) 566-6598

Business Management
Mr. Mike Holly, Owner Mr. James Nelms, Contact

Contact Information
Principal: Mr. Mike Holly, Owner

BBB gives a rating of "F"

Factors that lowered the rating for American Acceptance include:

   Length of time business has been operating
   Failure to respond to 9 complaints filed against business
   6 serious complaints filed against business

Once again....it has struck an innocent  SHILL..........."LOAN DEMENTIA"........................
That horrible disease that has so often struck those shills operating on this board.   They take out a loan,   forget they took it out,   until some kindly collection/scammer (aka  sewer sucking low life maggot)  calls them and reminds them.  Then they see the light and are redeemed as they pay what ever is asked and received total physical and mental satisfaction.

Go back under the bridge Shill.  

GOT A CALL ABOUT AN OLD PAYDAY LOAN I TOOK OUT.....I FORGOT ABOUT IT COMPLETELY THEY HAD ALL MY INFO I USED WHEN I TOOK THE LOAN OUT SS#, BANK ACCT INFO, PLACE OF EMPLOYMENT, EMAIL ADDRESS, AND REFERENCES I USED... I SET UP SMALL ARRANGEMENTS BASED ON WHAT I OWED.....THEY SENT ME A LETTER OF MY ARRANGEMENT...

Had a call saying i owe a loan company and i need to pay them 1200 they are trying to take me to cort

They start calling in the morning-messages left on my voice mail are exactly the same words of content
that is being posted. Also I am in violation of FTC and call them immedialtely to discuss.

The exact same message, but they do not even know my name or they never ask for anyone by name.  Yeah if you are going to be arrested you are not warned.  SCAM

I GOT SEVERAL MESSAGES FROM THIS PLACE BOTH 855 274 6648 AND 885 274 6648 ALL LEAVING RUDE MESSAGES. I AM SICK OF THE SCAMS GOING ON.ALL THEY WANT IS MONEY WHICH I DONT HAVE. WISH PEOPLE WOULD QUIT HARRASING ME. I HAVE ENOUGH PROBLEMS WITHOUT THEM.

Got the same phone call on my cell and at work. They have been told to quit ccalling me, I don not owe anyone. I have not commited a fraud. They try to scare you. I want to know if I can filee something against them for harrasement.

This company called my office's main switchboard today when I was covering for the Receptionist.  Caller ID shows them popping up now as "U.S. Dept of Fraud" (there is no such government department of course....but it looks official).  Since I work for a healthcare provider office, we take any allegation of fraud with utmost seriousness.  Since it was a recorded message and obviously didn't care that it got our inbound call recorded message, I only got the tail end of the recording where it stated to call the 855# to validate this fraud case & be prepared to identify yourself.  
I handed the info off to a Sr. V.P. who found this to be a scam.   If they're identifying themselves as a bogus Federal Agency (U.S. Dept of whatever), wouldn't that constitute a federal offense of some sort?

These people are relentless. They call and threaten you with fraud charges and FTC penile code viloations never say who the message is actually for. They say I have a payday loan that was over 7 years old. I did not take out a payday loan . They have my ssn which is very scary. Girl told me I must have had a memory lapse. Very rude . Threatened to put me in jail.

This company is so fake. I called back they refused to send me anything in paper so I refuse to pay. They call me everyday. About to block them.

got another phone call today looking for my daughter --saying they are reaching out for her that she owed a debt but could not get into it with me, asked for an address, or phone number told him had to many scam calls and he said he understood and i told him i would  be looking into things under a fine tooth comb he said okay and had the nerve to even say god bless you. The name used is Mr. DUBios. the police are not worried about filing reports as there are way to many of these calls going on,As a society our law makers have to find a better way to deal with this stuff. Just totally annoyed and fed up

I also received the message from American Exception and sounds very threating.  Not a good thing to listen to.  After reading all of this I am now sure they are a scam and will not listen.

Left message at work-regarding fraud. I don't know what they are trying to collect. He said to call back and
be ready to identify myself. They been calling my work main# and I am worried that my boss will get this call.
I don't know what to do-do I have to call back.

This lady that I talked to had a legitimate debt I owed but it was from like 10 yrs ago. I have her my credit card information. What should I do?

i JUST REC'D A CALL FROM THIS NUMBER.  HE WAS VERY THREATENING.  HE WAS FROM A SUBISIDIARY OF AMERICAN ACCEPTANCE SOLUTIONS.  I HAD PAID OFF ONE PAY DAY LOAN AND THE SAME COMPANY TRIED TO MAKE ME PAY AGAIN.  LUCKILY I HAD THE PAY OFF LETTER WITH ME TO PROVE IT.  HE SAYS IT HAPPENED BEFORE IT GOT ENTERED INTO THE SYSTEM.  SCAMS, SCAMS, SCAMS.  I THINK I MAY HAVE PAID  A PAY DAY LOAN MORE THAN ONCE BECAUSE I USED TO NOT ASK FOR PAYOFF LETTERS.

Left a message on my voice mail at work and said it is urgent to call this number. I did not listen the whole
message and have to save it .He said that he is from American Acceptance Solution. I never heard of this company and don't know what they are trying to collect.

Funny I got the same message that everyone is quoting it kinda bothered me when I got it so I had to Google the company and this is all I have came up with. if it isn't a collection agency calling for the person the had this number over 2 years ago... it's some dead beats trying to scam everyone else for all our money! sorry guys but not this time!!!!

The Federal Trade Commission (FTC), the nation's consumer protection agency, is warning consumers to be on the alert for scam artists posing as debt collectors. It may be hard to tell the difference between a legitimate debt collector and a fake one. Sometimes a fake collector may even have some of your personal information, like a bank account number. A caller may be a fake debt collector if he:

?is seeking payment on a debt for a loan you do not recognize;
?refuses to give you a mailing address or phone number;
?asks you for personal financial or sensitive information; or
?exerts high pressure to try to scare you into paying, such as threatening to have you arrested or to report you to a law enforcement agency.

If you think that a caller may be a fake debt collector:

?Ask the caller for his name, company, street address, and telephone number. Tell the caller that you refuse to discuss any debt until you get a written "validation notice." The notice must include the amount of the debt, the name of the creditor you owe, and your rights under the federal Fair Debt Collection Practices Act.
If a caller refuses to give you all of this information, do not pay! Paying a fake debt collector will not always make them go away. They may make up another debt to try to get more money from you.?Stop speaking with the caller. If you have the caller's address, send a letter demanding that the caller stop contacting you, and keep a copy for your files. By law, real debt collectors must stop calling you if you ask them to in writing.
?Do not give the caller personal financial or other sensitive information. Never give out or confirm personal financial or other sensitive information like your bank account, credit card, or Social Security number unless you know whom you're dealing with. Scam artists, like fake debt collectors, can use your information to commit identity theft ? charging your existing credit cards, opening new credit card, checking, or savings accounts, writing fraudulent checks, or taking out loans in your name.
?Contact your creditor. If the debt is legitimate ? but you think the collector may not be ? contact your creditor about the calls. Share the information you have about the suspicious calls and find out who, if anyone, the creditor has authorized to collect the debt.
?Report the call. Contact the FTC and your state Attorney General's office with information about suspicious callers. Many states have their own debt collection laws in addition to the federal FDCPA. Your Attorney General's office can help you determine your rights under your state's law.

http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors

I just received a message from them on my goverment work phone. The woman sounded rude, did not say who she was calling for, just the same stuff in the other comments about defrauding and something about a penial code. I wonder if they will call back. Thanks for the information.

THis girl from amercian acceptance called at 8:15 california time at my place of emplyoment. SHe said there is a preliminary filed against me. They changed their wordings sll the time when they called and also telephone
number. I am reluctant to call her back upon reading all the comments posted under this tel#.

This phone number is with "American Acceptance".  They are a scam.  No one can have you arrested for owing a debt in the first place.  Luckily, I have found a little extra information about them.  American Acceptance, PO Box 1244, Buffalo, NY, 14215  and  American Acceptance 2608 Bailey Avenue, Buffalo, NY 14215.  A couple of extra numbers they have called from or asked me to call back to are 469-730-4332,  855-274-6648 and 646-582-0080.  Their Fax number is 716-566-6598.  Call your local police and file a report.  You'd be surprised how many investigators actually have a personal stake in this kind of thing.  (It's happened to their family, or co-workers, or friends, or even just that they have had trouble catching them in the past) For the investigator on my case, it's all of the above.  With this information that I managed to track down for him, the investigator said he can make these people pay for what they have done.  It isn't easy, but if you just keep trying to track them down, and wear them down.  Refuse to talk to them at all until they give you their info, and then tell them that you still won't talk to them until you have verified their info online.  Then demand that they give you the original creditor information.  They will try not to, but if you insist and refuse to continue the conversation, they will.  Just keep calm.  Their job is to make you as emotional as possible.  They will often scream at you and hang up.  Just let them.  Give them a few minutes and call them back.  Claim that you were holding for information and your cell lost signal.  They hate that.  All the time, keep calm.  State that you do not owe this.  Tell them that you are going to research the original creditor.  It may take a little googling and extra digging, but try to do it while you're on the phone with them.  Tell them that you have the original creditor's number.  If you have a conferencing or three way calling feature, use it.  Call the original creditor and find out if you have any outstanding bills with them.  Even if they sold the account to a collection agency, they will still be able to find your information.  If you ever had an account, they will be able to pull you up.  So far I've dealt with 5 of these "companies".  I've found that the best way to beat them is to prove them wrong when you are on the phone with them.  Not your word against theirs, but actual proof, from outside agencies.  This is where it gets really fun.  After you have cleared the call with the original creditor, call the local police, but do not connect all of the calls until after the police have answered the phone and you have given them a brief explanation.  You don't even have to hold for an investigator.  All calls into the dispatcher are screened, recorded, and entered into record for the specific purpose of being used as evidence if necessary.  When you connect the calls, tell the collection agency that you are now on a recorded line (just to cover your butt).  Then continue with the conversation.  Staying calm all the while and just insisting that you have already proven to them that you do not owe this.  If they insist that you owe it (and they will), ask for proof again.  This is usually the point where they start yelling and screaming, and verbally assaulting you.  Some are even dumb enough to threaten physical harm.  That's where the police will happily butt into the conversation, and inform them that they were on not just any recorded line, but a police monitored, recorded line.  They WILL hang up, and if they ever call back again, insist that they have the wrong number, but you were contacted by the original owner of this number and given a forwarding number to give to friends who may call.  Ask if they are a friend.  They'll likely say, "yes".  At that point give them the number to the FTC complaint hotline, your local police department, or some other such number.  It will get the message across that they don't want to push you any further.

PS.  Just a note.  The call type requested below, does not have an option for Scum of the Earth Scammer, so I noted it as Debt Collector because that is what they try to present themselves as.

Just received the same call.  I'm going to talk with my atty and see what can be done about these calls.  I'm disabled with a heart condition and this is causing stress.

Just to add I had ext.101 and the lady said they would serve my home and job lol okay then do that because I owe nothing she told fine I said verify me address that's when she hung up on me she couldn't because they have no clue where I am and NO I did not give her my home address either but yet I'm getting served for summons in court between 1-4 p.m.

Thank goodness I found this site I got a call twice this morning form this bogus lady claiming I defrauded acct from Advance America and Woodforest Bank in 2008 wow so long ago I told her to send the freaking summons because if I'm to appear in court first off they would have sent it by now and 2 I check my credit report daily and no judgement is on my credit report lies and more lies and she hung up on me. This lady sounded as if she was reading a script very unprofessional and static in the phone blah blah American Acceptance you lose for being stupid to think I'd willingly pay for something so long ago that's not on my credit report and give my info ignorant scammers or some rip off company trying to get paid for old collection item. Screw You! Phone # was 855-274-6648

I have Verizon as well and they have blocked this number as it's a scam. I received the same exact message! If a company is after you for money they are not going to leave a message like that. Sad part is some people believe it and actually pay something they don't need to!

Lady and gentleman calling an hour apart. They said that a document is being served at my work or home-I don't know whom they are representing. This is everyday routine of them going early in the morning and late
in the afternnon. They also calle me at home.

I keep receivng calls too. I had a pay day loan on 2006 that I had on my bankruptcy. they didnt come forward at that time. anyway my lawyer told me to ignore. if they send me anything in the mail to bring it in but not to worry about it. i just wish they would stop calling!!