I received a call stating that I owe a payday loan from this company. I made a 50.00 payment and set up another payment of 450 to close the account. I was told that my drivers license would be suspended and that I would be served. They say they tried to serve me already but had the wrong apartment number. I asked for a hard copy to be mailed to me about my debt, I never received it. I am suppose to make my last payment today, but after reading all of these commits, I am very unsure. I sent a email back with a copy of some of the posts listed from this site on it and asked for answers so I can make my last payment. I will let you all know.

Please give suggestions on how I should handle this. I think I need to call the BBB.

AMERICAN ACCEPTANCE INC.  
Uses/used these numbers
(678) 710-2023
(678) 710-8089
(866) 963-4904
(877) 290-9011 (No longer In Use)

The people whom are making the calls are:

Mrs. Garret  (real name may be Melissa he's worked with her before)
Jim Kelly    
Victor King  (real name is James Nelms III)

Their legal Business Addresses are :

AMERICAN ACCEPTANCE INC.
P.O. BOX 1244
BUFFALO NY, 14215 (This PO box may have been closed , I'll have to drive down and confirm this)

AMERICAN ACCEPTANCE INC.
2608 BAILEY AVE.
BUFFALO, NEW YORK, 14215 (He rented the space to the right of the Pharmacy)

His Residential addresses are :

35 ROOSEVELT AVE
BUFFALO NY, 14215
(716) 835-5409

137 ELLER AVE        
BUFFALO, NY  14211
(716) 835-5409

Before opening American Acceptance James Nelms III was co-owner of Empire State Recovery Agency AKA ESR Agency.

Registered to :

RONALD BRANTLEY SR
RONALD BRANTLEY JR
JACQUELINE BRANTLEY
2495 MAIN ST
STE 556
BUFFALO, NEW YORK, 14214  


ESR Agency was sued multiple times for illegally collecting false debts and the corporation dissolved  on Jan 25th 2012.
With the money he scammed out of hard working people , Ronald Brantley Jr. opened a Bar called Blush Nightclub & Lounge , located at 1389 Delware Ave, Buffalo, NY .
His father, Ronald Brantley Sr., got a real job as an alcohol and substance abuse counselor.
Jacqueline Brantley is either pouring drinks at her Jr's bar or contemplating where she went wrong in life.

Back to James A Nelms the III , He's an ex-convict who doesn't care how or from whom he gets his money. He has children from at least 2 different women, one of which took his name James Nelms , I (guess that would make him the 4th). That James Nelms may be living in North Carolina , he's also in the ?collections? business like his Big-Daddy. This crap runs in the blood cause James A Nelms III 's little brother  Michael Nelms also has his own collections company based out of  his home in Atlanta Georgia called :

TRISTATE FINANCIAL
ENTERPRISES, LLC
4378 RAINER DRIVE
Atlanta GA 30349
Fulton County

This explains why he's calling from a Georgia phone #. I guess scamming pays off big time. You should Google that address, he goda real perty house.

I suggest you verify the information that I've provided you with and then call them up and pull a Rumpelstiltskin on them.

who keeps calling with this number

They don't leave a message or say anything.

First of all you should not call people scum bags for not paying there bills due to the economic sruggle we have all been through. I know I was a person that paid my bill on time all the time and then I was laid off from a job I worked at for 3 years. We all know that unemployment doesn't cut it these days and you are left with paying your important bills. I am sorry but for you to call people scum bags is really wrong and one day you will find yourself in this same situation. You should not worry about anyones problems either.

These people called me too. Asking for someone, but I didn't understand whos name because the lady one the phone had a Spanish accent.How did these people get my phone number??

Same jerks called me and left messages-Called them back and as usual just say I owe a debt. I told them to put it in writing and they refused. They are in my opinion scammers and cons. However, I will bet they scare enough people that money is paid to them that is really not owed.  Where is the law in this?

LOTS of criminal records for Mr. Bartolotta

Offense:    Criminal Sexual Conduct, 3rd Deg (Person 13 Thru 15)

Offense:    CRIMINAL SEXUAL CONDUCT - THIRD DEGREE(PERSON THIRTEEN THROUGH FIFTEEN) CRIMINAL SEXUAL CONDUCT - THIRD DEGREE(MULTIPLE VARIABLES)

Offense: Fraud 1st degree.

Offense:    HOME INVASION - 2ND DEGREE

Phone DetailsName:    John Bartolotta
Assoc. Addresses:    East Quogue, NY
Phone Number(s):    (716) 563-1680
Relatives:    Carol Ann Bartolotta
Joseph Bartolotta
Gloria Barthelmes
AKAs:

I got a call from them on a new cell phone, probably for the previous numbers' owner

They started off by calling me a racist piece of sh*it.

Great place.

I'm going you enjoy suing them.

Caroline Hughes, J.D., LL.M.

wow you are a rude bi*** and dont know what peoples situations might so you should not judge them.

This co called me also, they couldnt tell me where my debt came from, what location I went to, they couldnt tell me any specific info. And I am not perfect in my bills, but am willing to pay if I owe, but they wanted me to pay $1600, threatened me and wouldnt give me any details about where I accrued this debt other than "its a payday loan and with this company..."but could not give me any details to which loaction i went to. They expected me to give them my debit card info and they couldnt even provide me a reciept or any paperwork! They were a**les!

they may be legit but when they have called me repeatedly when I have informed them that the person they are calling for is not at this number and that I have no way to contact them...they violate the fair credit act. I log all the calls now and have taken the time to track which companies are calling me after I have informed them of this - now they can pay me for harassing me. Also if you actually do have a debt and any credit agency violates the Fair Credit Act they could end up paying your balance off for you.

These crackpot left a voice mail message for me.  The person who called said his name was Mr. Scafe, and said he was calling about case # ______.  Said it was within my best interest to either return the call or have my attorney return the call regarding a case they were getting ready to file in 24 hours.  That was 3 days ago.  I am in debt like 90% of Americans, but it has never been illegal to be in debt.  They try to use scare tactics and make it sound as if you have commited a crime.  Debtors prisons were abolished in 1833 in America.

I also ask common question, he was talking over me and could never answer my simple questions. I wonder why?

I received the same phone call.  They were rude, unprofecianal, and demanding. They want to take advantage of people who dont know the laws.  this Vincent Selina is probably a fraud.  He does not answer any of the questions you might want to ask.  And you can not talk to his supervisor.  Makes me think if he does have one!!!

Vincent was so UNprofessioanl I wanted to take a shower after talking to him. He was a real jerk when I asked common questions to verify he was ot a scam artist.

I have recently had the displeasure of speaking with a partner of this "business", james a nelms III, and I can only say that it is my opinion that he apparently does not understand the FDCPA in how it applies to them as a commercial company dealing with other companies that have extended credit to them, so how can you expect them to follow the FDCPA guidelines by which their industry is governed?

[15 USC 1692a] Section 803. Definitions (5): "The term "debt" means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. Thus, debts incurred for business or commercial purposes are not covered by the FDCPA.

AMERICAN ACCEPTANCE INC.
35 ROOSEVELT AVE
P.O. BOX 1244
BUFFALO NY, 14215
PHONE: 1-877-290-9011

The other phone # I found associates with this agency is 716-563-1680.

They legitimately buy debt and attempt to make recovery for profit, but the manner in which they conduct that business will vary by employee. My conversation with Mr Nelms had to be ended by me (each time) because he became vulgar and verbally abusive. I do not owe any debts bought by his company, and there is no reason a professional should have to use such language when conducting their business.

This company is breaking the federal credit laws and local laws .THET THREATEN AND CURSE NOT VALIDATE ANYTHING .tHE POSITIVE COMMENTS ARE FAKE FROM EMPLOYEES .They need to be fined for breaking the law .They buy debts that are out of statute of limitations and may have even paid paid off .

This number keeps calling for Kevin....I'm not Kevin, don't know Kevin...and have never known Kevin...I have advised them of this on numerous occations and asked that they remove my number from the calling list, but they still continue to call...I really want them to stop harrassing me and stop calling my phone

My mother got this same call from this company and they were very nasty to her. Does anyone have the address to this company, because when she asked for the address they wouldnt give it to her.

By any chance, do you have an address for them?

[This post has been removed]

A guy called saying he was Mr Saleeno from New York City, NY and wanted to know if my grandfather was here who has been deceased for 4yrs and has never lived here at this residence. He claims there is 25,000 coming from social security and wanted to give him the money settled out of court. He had no money coming and no one filed anything. He wouldn't take the information of deceased grandpa's lawyer number when I tried to give the information.

They're calling us before legal collection hours.  They called this morning at 6:55am.  Same thing two days ago.

This man's name is Richard Pino and he is a Fraud. I have done some research and come up with very interesting info. To anyone who gets a call from this man or any of his representatives, please google his name or the phone number......there are a lot of details about this man and his company on this site but he called others from different numbers so again, research the name RICHARD PINO. Good luck to all, and read my other comments and suggestions below.

WHAT WE ALL NEED TO DO IS CONTACT THE ATTORNEY GENERAL, IF THEY GET ENOUGH COMPLAINTS THEN THEY WILL DO SOMETHING ABOUT IT. I was in collections for a long time, and yes I have had some financial problems of my own, However this Richard Pino man calls my ex mother in law and starts questioning her about me and asking if she knows of my commiting fraud. Then he proceeds to tell her that I am being investigated for fraud. I KNOW FOR A FACT I HAVE NEVER DONE ANYTHING AGAINST THE LAW, AND DAMN SURE HAVE NEVER COMMITED FRAUD. It is against the law for anyone in collections to harrass a client, and it is also against the law for them to talk about any of your personal buisness with anyone other than you. Something has to be done about this Man. I have not yet gotten in touch with him, but I am glad that I researched him before I did, now I know how I will need to deal with these people and his so called company....So to everybody who has been violated in one way or another by this man or any representative of his company. Then I suggest we contact the attorney general wich can be done online also, and put in formal complaints. Let's all help to stop this man and his reps, from doing this to others. if you are with me, please feel free to email me at aross072508@yahoo.com in the subject line please reference "Richard Pino". I wish you all luck and hope to hear from someone soon so we as consumers can take care of this man.                                     MiMi

it is a Debit Collector. they called can left a file number, I called back and then they told me to verify my SS#. Being a victem of Idenity Theift I would not do that I was then told they could not help me resolve my "Case" and a warrant would be issued for my arrest.

I called my local police asking them if this was some kind of joke. I made a complaint and was called back in 2 days to tell me it was a debit collector from my local police.

Since I am currect on all my bills I have nothing to worry about, but I refuse to give out my SS# to an unknown company just because they ask for it. They could mail me letter if they want and should under they law.

I received this call also.   Does anyone know whose number this is?