DENVER, COLORADO -- On November 22, 1999, I signed a contract with the American Fair Credit Association (AFCA) which promised credit repair/re-establishment. AFCA was affiliated with the United National Credit Bank (UNCB) which provided an unsecured Visa credit card for credit re-establishment. Also, my contract stated that I would receive a credit line limit increase after 60 days, as long as I made timely monthly payments and didn't go over the credit line. Well, 60 days passed and I didn't receive my credit line increase as promised.
I called the UNCB to find out what the hold up was, and was told that weren't giving out credit limit increases, they are no longer affiliated with AFCA, and refused any further information. I then called AFCA, which also refused any information regarding the situation. At this point I verbally requested my membership be canceled with AFCA, but was told that I needed to submit the request in writing. On March 16, 2000, I sent a letter of cancellation to AFCA and didn't hear anything back from them.
Sometime toward the end of July, I received a collection letter from AFCA dated June 17, 2002, stating that I owed them $117.00 and the "debt" was being reported to the major credit bureaus. I called AFCA on several different occasions, trying to resolve the situation, but instead got rude customer service demanding the "debt" be paid immediately. I asked to speak with a manager each time but they refused. Approximately 2 weeks later, I received a phone call from a sarcastic manager named Christine. I addressed the situation and offered to re-send the original letter of cancellation but she told me that she didn't care and I needed to pay the bill period!
Two weeks or so after that, I received a message on my answering machine from AFCA, stating that they were calling about a debt and it would continue to affect my credit and that I needed to contact them immediately. This type of message breaks collections laws seeing that a company isn't supposed to disclose a debt to any kind of 3rd party and even spouses in some states unless their name is on the bill as well.
I also have a recording of this message on tape. I also want to add that this company has over 300 complaints with the Better Business Bureau regarding the same type of complaints and has a pending class action lawsuit in the state of California. I want to get my complaint out to the public, and I want people to know what a scamming, bogus and law breaking company this is.