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Southfield, Serving Eastern Michigan & the U.P.

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This Business is not BBB accredited

American Credit Education Services

Phone: (248) 848-9065 Fax: (734) 943-5997 P.O. Box 159, Farmington, MI 48332 http://www.american-credit.org

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BBB Accreditation

This business is not BBB accredited.

Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.

To be accredited by BBB, a business must apply for accreditation and BBB must determine that the business meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses must pay a fee for accreditation review/monitoring and for support of BBB services to the public.

Reason for Rating

BBB rating is based on 16 factors. Get the details about the factors considered.

Based on BBB files, this business has a BBB Rating of No Rating. The reason is as follows:

  • The business is in the process of responding to previously closed complaints.


Customer Complaints Summary

0 complaints closed with BBB in last 3 years | 0 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 0
Billing/Collection Issues 0
Delivery Issues 0
Guarantee/Warranty Issues 0
Problems with Product/Service 0
Total Closed Complaints 0

Additional Information

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BBB file opened: March 31, 2006 Business started: 06/30/1997
Licensing, Bonding or Registration

This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.

These agencies may include:

Office of Financial & Insurance Regulation
P.O. Box 30220, Lansing MI 48909-7720
http://www.michigan.gov/ofis
Phone Number: 877-999-6442 Consumer Hotline
Fax Number: (517) 335-4978
ofir-fin-info@michigan.gov

Contact Information
Principal: Ms. Pat Karas, Senior Vice President of Operations
Business Category

Financial Services

Industry Tips

Under the federal Fair Debt Collection Practices Act, collection agencies may not use any false, deceptive or misleading representations or means to collect debts. They may not, among other things, harass, oppress or abuse any person while attempting to collect a debt. A debtor may be contacted in person or by phone between 8 a.m. and 9 p.m. They may be contacted at work unless their employer disapproves. When calls at work are allowed, the law still prohibits collectors from
telling others about the debtor's personal finances, threatening physical violence, using abusive or obscene language, or engaging in certain types of deception. For example, a debt collector may not intimidate a debtor by threatening arrest or imprisonment.

ADDITIONAL COMMENT, IF APPLICABLE

Anyone considering entering an agreement with a debt collection agency should determine, before making a commitment, the collection methods used by the agency.

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Types of Complaints Handled by BBB

BBB handles the following types of complaints between businesses and their customers so long as they are not, or have not been, litigated:

We do not handle workplace disputes, discrimination claims or claims about the quality of health or legal services.

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BBB Complaint Process

Your complaint will be forwarded to the business within two business days. The business will be asked to respond within 14 days, and if a response is not received, a second request will be made. You will be notified of the business's response when we receive it (or notified that we received no response). Complaints are usually closed within 30 business days.

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What government actions does BBB report on?

BBB reports on known significant government actions involving business' marketplace conduct.

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