After looking into things this was the billing company that my tanning place went through. Tanning was normally $75 a month. I know I'm stupid lol. But if you got on a plan it was only $30 or 45?..it was years ago but they kept charging me twice and then late fee's. I finally just pay them $324.00 and tell them the contract is good now. Please stop charging my card. Well then this $30 open account shows up on my credit. Have no idea why but it's a little sketchy. Just saying. read more

The contract I signed with the martial arts club for my kid was specific in stating how many months, payments, and payment total would be coming out over the course of six months. I agreed to this and payed in full as of 11/15/2017. I contacted the martial arts club months ago stating my kid wouldn't be coming back figuring that once the contract was up there would be no further charges. Affiliated Acceptance went ahead and took it upon themselves to charge my card more than a month after the contract was up and when I spoke to their 'customer service' I received nothing more than a bad attitude from a woman who obviously didn't care. Her only defense was to point to some ambiguously worded statement which was explained to me completely differently by the martial arts club. My only guess is this is done on purpose to milk an extra month's payment out of people who's kids don't take to martial arts. I ended up taking this up with my bank who blocked Affiliated and stated this company has a high rate of fraud. read more

I had a great experience with AAC, particularly Customer Service Rep "Merci". In summary, I signed a 12 month contract in California for a local martial arts club. After a month of terrible business practices, I decided to cancel. The owner of the club said I could not cancel and had to pay the full 12 months. Fortunately, upon reviewing the details of the contract, I noted that it violated several CA Civil Code statues. I discussed the violations with Merci who spoke with her supervisor and confirmed I would be able to cancel under such circumstances. After sending a certified letter to the club and forwarding the relevant information to Merci, she immediately put a hold on payments and sent a email confirmation a day later stating AAC had canceled my contract. In all, each conversation I had with Merci was professional, helpful and I can't be any happier with the prompt attention to the matter. read more

I finish with my contract 12 months with Far East Martial Arts in phoenix AZ they still bill for another month and charge me an extra fee for late fee , I have al receipts that i have pay. read more

Why do so many of the martial arts schools use this company for monthly processing of payments via credit card? If you want your students to be treated like deadbeats, you've found the right company. Hire a billing company instead, not a skid-row collection agency. I've had to deal with them for years, horrible every time. When my credit card gets hacked and/or changed, they are one of just a few companies regularly charging to my account that don't automatically follow to the new account. I hate that I have to give them business. Treating us like the sh*t deadbeat meth-addicted customers we obviously are, if your charge doesn't approve for ANY reason, they send a nasty letter listing add on fees for a total of $30. No notification, no opportunity to update the info, just a bill with four extra fees. So watch out, they're on the take! It's not so much the money, but the principle. $30 buys a nice lunch for somebody, and I DO NOT want to take them to lunch. I wouldn't be surprised if they were also in the business of selling used cars to customers with no credit at 20% interest and repossessing the cars to resell again. I was "loaded for bear" to call them tomorrow and cancel my martial arts school if they didn't remove the charges, however I mentioned it at the school and they have hopefully updated the card info and waived the charges. read more

This company is a 3rd party biller. customer service is non does not exist. if you want to cancel service with this company, you have to send a email, call back in 24 hours to make sure they receive email and then hope they actual cancel what you are asking to cancel. if you ask for a supervisor they transfer you to a voicemail that hangs upon on you. read more

AVOID THESE CROOKS They are targeted to martial arts, dance, etc companies. Read your contract carefully, and if it says "AAC" on it anywhere don't walk: RUN AWAY and go somewhere else for karate or ballet. I had a CC stolen. Every other company I do business with contacted me when they tried to pull with the old CC number and I gave them the new one and we carried on. These guys sent me a notice in the mail with THREE fees tacked on: Late Payment Fee Credit Card Reclear Fee (wtf?) Credit Card Decline Fee ...totalling $30. So I call them up and talk to Stacey. She turns insta-nasty as soon as I say "can you waive those fees because my card was stolen?" and claims that they get billed from their "billing processor" ... so I ask who the billing processor is and Stacey says "I'm not at liberty to say," which tells me that the billing processor is them and she's full of the familiar article. So I call up my martial arts place to cancel my contract because I'm not doing this anymore... and they say they can call AAC and get these un-waive-able fees waived. Imagine that! Someone should tell Stacey. But now I'm torn, because my martial arts guy only bills through AAC. So either I have to give these crooks my money or I have to find another school. Lose/lose for me. If AAC is on your contract, don't sign it. AVOID THESE CROOKS read more

And for anyone still wondering.... please ask yourslef about the 1 star on Yelp and the multiple official complains through various entitites such as the Better Business Bureau.... do you really need further examples as to why not doing business with them and why not reporting them as needed????? read more

I dont know where to start. Rude, dumbfounded, and full of it doesnt even begin to sum up my experiance. I signed up my kid through the martial arts program. Paid my bill every month. 4 months later I see a new line item on my credit report and Its no where near correct. I call these ass hats and they say they are well with in their rights and they will not remove or fix the reporting tell the bill is paid in full. Left me on hold 45 mins and then disconnected the call. I cant believe companies like this still exist. If there is a class action lawsuit let me know Ill throw in. read more

In February of 2017 I called to cancel and was told my contract can't be cancelled yet because there were still a few more month.. (Was not informed it had to be in writing) I paid the remaining months. Then I notice a charge. They charged me 4 or 5 additional months. I called to get my money back and was robotically told "blah blah contract" I disputed it with my bank. Now they sent me a collections notice so I called them. I spoke to customer service who repeated "blah blah contract" so I spoke to a manager who informed me that its policy to explain it needs to be in writing if someone requests to cancel. I said I wanted to hear the recordings of the "all calls are recorded" which seems to be a lie. She said they always side with the client. And she would need to talk to her manager. Another month passed with no returned call and now KIM won't return my calls either. read more

Garbage company with garbage people. Yeah they are that bad, they are ruthless and dispassionate about actually providing any form of service. This is not a knock on the BJJ school I went to, but on this company that handles the billing for them. For one they structure everything like buying from a scummy used car salesman. The contracts are actually loans that appear on your credit, they have auto renewals after the term is up, they require you to email them 15 days in advance of the next billing date to skip a month, they then force you to call in to confirm if they received it. This is designed to make simple changes or processes harder to then force a charge through in their favor. They will charge you a fees about fees. With zero leniency and zero understanding as to why even an error on their end can cause these fees. I frankly would suggest if you see this company is backing any martial arts school, just walk away. It is not worth the trouble nor pain in the ass it takes to deal with them. They genuinely soured my wanting to return to the is BJJ school. At their core they are predatory, they are not in the business of serving their clients, they are in the business of getting as much as possible from each customer, dripping them dry and then moving on to the next. Do yourself a favor, save your money and time, do not do business with them at any rate, or for any reason, find a different company or Martial Arts school that does not use this company. They will burn you, one way or another. read more

Affiliated Acceptance Corp PO Box 790001 Sunrise Beach MO 65079-9001 Affiliated Acceptance Corporation is misrepresenting themselves and claiming to be a third party billing agency, when they are a collection agency. I had signed up at a tanning salon by the name of 'Urban Tannig' in February of 2012. I had signed a contract with the owner. At the time, I was working at First Associates LLC., a nearby company. I had explained to the owner of the company that my co-worker had referred me and that I appreciated that her salon was close to work, however, that I was not planning on staying there for the duration of the tanning contract (6 months). The owner shrugged it off and told me it would not be a problem to cancel the account in the future and that the contract was a way for her to confine customers and create a customer loyalty base. After three months, I left the company. On the fourth month, I called the salon and spoke to a representative by the name of Melissa and asked to cancel the contract. Melissa told me that that wasn't a usual thing but that she for sure could. I also asked her to shred my credit card information and to send me a notice that I could sign showing that my contract was canceled. After of week of not receiving this notice, I called and asked for someone to help me with this. The employee told me she would have the owner of the salon call me. I never received a call. I assumed the contract was canceled. A week later, on July 12th, Urban Tanning withdrew 67.00 dollars from my account, which overdrew my bank account that I had just emptied. I called the salon immediately and asked for help. Again, they told me the owner would call me and to give her 24 hours. Still no call. After four days of waiting, and bank fees adding up, I decided to dispute the charge (considering it was unauthorized). My Bank (Bank of America) had to do a two week investigation to resolve the matter. I wrote an affidavit, that they followed up with saying that Urban Tanning had indeed made an unauthorized charge and that this would not happen again because they were now blocked from my account. About two weeks later, I receive a first notice from Affiliated Acceptance Corporation stating I owe the 67.00 and that late fees will be assessed. I work the same hours as the company and therefore could never reach a representative. The emails listed on their website are invalid. Today, 9-11-12, after receiving multiple letters from this agency (with a mini-miranda) at the bottom, I decided to give them a call. I spoke to representative by the name of Shyla who did not state a mini-miranda nor verify any demographics before discussing the debt. Having worked in collections for years, I am very familiar with FDCPA, and this agency broke the law numerous times in a very rude fashion. Shyla would not give me her last name, her business's license number, or her supervisor's name. She told me they had a collection department, and then changed the story, after finding out my career past, and told me they were not a collection agency. This agency is listed on the internet as a collection agency, and there are multiple attorney websites requesting phone calls from upset consumers that feel violated. When I had my legal adviser contact them to try and get the information, they told him to send a POA letter. I called twice and was transferred to Shyla who immediately hung up on me. Finally, a customer service rep, Tracy gave me the fax number. She provided a different last name for Shyla than what is listed online. I sent the POA letter in by fax. When my adviser called again, Shyla said she was off in ten minutes and did not have time for this matter. I will be contacting the FTC as well as the Attorney General's office tomorrow to report this situation. I feel that this company has broken the law in misrepresenting themselves, and refusing the give out public information. I am also disturbed by their weak professionalism and lack of customer service. read more

This place is fraud all contracts are open ended so after your year contract they continue to charge you. And the only way to cancel is to send them and email and call them back to make sure they received it. I spoke to my bank and had them shut off from my account. If you see a contract with this name on it find a different gym. Not worth the hassle. read more

This service is terrible. I was roped into this "amazing" service by Zen Planner. Do not let them talk you into it. I now have to pay for a service that I don't even use. I had very unhappy customers with every interaction. Nothing but complaints from them so I had to stop using it. It sounds great and they will tout amazing stats that do not hold true. I am coming from a company that contracted this company. read more

Trying to cancel my account at my MMA gym was unnecessarily difficult. Rhonda on the phone had a nifty attitude. They purposefully neglected to tell me for 4 days that my two forms of proof that I had moved away and could cancel my account (official letter from my apt complex and account confirmation from my electric utility) were not adequate. This conveniently coincides with their 31 day notice deadline which will probably guarantee that I pay an extra month at my gym, while I am 1000 miles away. Steer clear of this company if you care about customer service. read more

"Everything you say "Is just a lie" --------------------------------------------- In A Sentence™ Let me be clear: as clear as one could possibly be: worst ... ever. Quick Review™ - Call them to switch out your card for payments: they will tell you to call them back later because ... paraphrasing ... they have not received the paperwork from the client yet. - Then, they might charge you a fee for your card not going through, even though you specifically called them to notify that the aforementioned card was accidentally thrown away with a receipt at LINQ Promenade one night (I wasn't even drunk) and they were the ones who would not accept your new, perfectly working card when you called to rectify this situation. - Apparently, their primary function is to enforce contracts but have never heard of the goddamn Servicemembers Civil Relief Act [SCRA]. It's the law, dumbass! Employee of Excellence™ - N/A. The employee of excellence shall be whoever pushes the button or pulls the lever to demolish the building Affiliated Acceptance Corporation [AAC] occupies. --------------------------------------------- Bruv, it's as if they cannot read or understand simple British (or American) English. I mean ... I cannot believe a membership agreement I filled out with a gym actually is affiliated with such a disgraceful, functional illiterate-employing, company with no ethics, no sense, and an audacity to outright violate the law as written by our Representatives at the Capitol. Let's be clear about a thing or two here: I've been through a dozen goddamn SCRA briefs. I might have even given one. The insane person I spoke to over the phone educated me on the fact that I was to fax her a copy of my government orders. Sure ... I'll do that right after I fax your shady ass company a copy of my Birth Certificate, Social Security Card, DD 214's, Passport (tourist), Passport (government), Geneva Conventions card (with pin), Vaccination cards, registrations of companion animals, registrations for POV's, Paypal® statement, Adsense® Partner metrics, et. fucking cetera. I am going to just drop a fucking fax machine out of my fucking asshole in the middle of official government travel or during a goddamn school to send you all that you ask -- with my SS number on it -- just because you want to make certain I am not bullshitting you to take a few months off of the gym (which doesn't matter one bit since the months from the contract agreement will still go back into effect once I get back to Vegas). Sure. Goddamn crooks. It's not even the beginning of AAC's full display of their immense incompetence. It was not even the beginning. I signed a contract. I lost the card that I used for that contract. I called the gym. Hey, that card had to be cancelled. I lost it. My fault. I have another card if you want to take this down. - Nope. We can't. Call AAC directly. You have to do it through them. Aaaaahh right. Fuck. I call AAC. They tell me that the paperwork is not inputted in the system (What!) and I'll have to call back on another date. Wait. What! What are you talking about? Just take my goddamn card information now and -- I don't know -- input it your fucking self or connect me with someone who does that. Then, write a fucking note explaining that if whatever paperwork you imbeciles are too backed up on, or whatever is the case, turns up, shred it because it is redundant. Wait: it is extra; redundant might be too ninth grade. Nah, too complicated. Much easier to charge me a penalty for rejection of that fucking card -- that I had already called to have removed -- you know ... because I need to pay for their incompetence. Hey, buddy/lady: you have one job. One fucking job. This is not rocket science. You are not working at NASA®. You run a billing company in Missouri. It's fucking Missouri. How can you be backed up? There is nothing else to do. You're not even in Kansas City! Do your fucking jobs! --------------------------------------------- Note for Yelp HQ You already removed this review once. If you remove it again: I'll post it again. If you remove it again again: I'll post it again again. If you remove it a thousand times: I'll post it a thousand and one more times. Do not test me; go buy more rice .... --------------------------------------------- Final Word™ AAC sucks. An investigation on their blatant violation[s] of the SCRA should be launched by the Attorney General and they should be fined millions; be forced to fold their disgraceful, vulture capitalist company; and, select executives should be thrown into cages thereby granting them the christian opportunity for penitence. We will be made whole again. The victim is always made whole in a just society. --------------------------------------------- Not good for tourists. Not good for kids. Not good for dogs. No goddamn Apple Pay accepted! Rating: One-star, "Meh. I've experienced better." [5000 character maximum limit has been reached.] read more

Rude customer service. Argued with me for 5 minutes about the term 'paid in full' for no reason. Gave me bad credit and affected my credit score even though I paid what was due and the person I was paying is a friend. Do not sign any contract with these scam artists. I feel bad for anyone who works there. read more

Bottom Line Up Front (BLUF): -Business is a collection agency used to handle billing matters for small business. -Small business should avoid utilizing this company IMO due to lack of customer service and harassment tactics employed to PAYING customers. I initiated a complaint with AAC and their contracted company. My complaint as a costumer of a small business which utilizes their services: - I have never received a call from a collection agency in my adult (or child) life time until contacted recently by this company. - Company called my phone multiple times in a row for several days without leaving a message (calls starting at 7:30 a.m. until 8:00 in the evening). Upon reverse calling, I determined this was a collection agency and investigated. - Company called, not because I was past due or close to it, but to allow me to update my CC info. A voice message would apparently not suffice. - Furthermore, why on earth would I provide CC info to a company that I never knew existed prior to the call? Am I to trust that they are indeed working for said small business and did not simply find my docs in the trash? - UNSATISFACTORY!!!! Everyone has experienced aggressive callers and heard the horror stories of collection agencies. How would you feel to be harassed by one with a 800+ credit score and every bill paid for the month simply to update CC info? Let alone ask for Personal Information over the phone? - Called customer service and placed on hold several times. Supervisor was scripted and had no empathy for the harassment aside from her script or concern of being contacted by a company foreign to the customer. Small businesses avoid and consider using a company that has suitable practices. This may not scare away your PAYING customers. read more

The first shady tactic they produce is having a 1 year contract be open ended so even after your year is up you'll continue to pay if you don't cancel, which according to them you must cancel by sending in a written letter 30 days in advance (so they can get that last payment out of ya) so my review is mostly a tip: if you need to cancel a contract with these guys don't even bother calling them, call your bank and have them put a stop pay on the account. F em! read more

Worst customer service I've ever experienced. Cut you off , argumentative and are totally sarcastic. Total frauds . I'm sure so many people owe them money because who wants to settle with a company full of condescending people. Will make sure I never sign on to a gym or establishment that uses them . read more

They are not structured at all. The hold belt tests on Saturday and have no scheduled time to test or finish. I watch all my kids while my wife is at work so I drop my older sons off and no mater if I call or not they never can tell me what time I should pick up my kids. Therefor they are outside alone crying because Dad is not there to pick them up. They let the Children run out of the building unattended. This is dangerous. What if they get taken or abducted? What if they get hit by a car in the busy parking lot? Also their payment system is un heard of. They use a collection agency called Affiliated and report the payments on your credit report even if you pay on time. It appears as a personal loan with a balance of $900. Since it is a low amount it has a negative effect. My score dropped 50 points once it posted even though we always payed on time. They have no staff. The black belt members handle payments and administrative duties and the owner Mr Shin takes no responsibility. I went and complained and was upset that they told me the wrong time when I arrived to pick up my kids. I was heated. Mr Shin just told me to take my kids out our he would get crazy and do something. I asked him if was a threat and if he would hit me. Then he went on belittling my second son, who is sensitive, that he cries a lot and that there must be something wrong with him right in front of his face. No one takes responsibility. They think I should be thankful for my children to attend their "family" aka disorganized, unprofessional facility. Choose a different place for your kids to go if you value safety and your credit score. read more

Bad customer service, they don't return phone calls. Sticks it to people who can't defend themselves and don't care if they run their client's name through the mud while doing it. Even for a collection agency this is pretty low. read more

AAC customer service helped me when the business that I signed the contract with would not help me. AAC has no control over what their "clients" do or do not provide for you. Last December my husband signed a 12 month contract with a martial arts facility in our neighborhood. Payments were automatically deducted during that time, no issues, even though my husband was no longer going to this class. We understood he was bound to the contract for a year with no early cancellations. However, the entire bad experience I had was with the owner of the facility. The owner did not disclose that the contract is for a year, with an automatic renewal clause. I was unexpectedly charged one month after I thought the contract was over. I found one of the letters they sent me, was able to register the account online and saw that it automatically becomes a month to month, open ended contract. Ok, so our bad for not reading the contract, and bad on the owner not disclosing. Obviously, still part of the contract, I'm bound to one more payment. I call ACC and ask how I cancel, they advise, the contract must be cancelled thru the facility. This is where things go bad, with the owner... Text Owner - need to cancel Owner says - when last payment is made, I'll cancel Me: I've already paid, contract is over, they said they need cancel from you O: Ok, I'll put thru cancellation. February, payment deducted again. I call ACC, has the owner submitted a cancellation? ACC advises that NO ONE has contacted them since the last time I called them. I text owner again. Me: This needs to be cancelled by you, another payment was withdrawn. Please cancel or I will dispute charge with bank. O: Ok! I'm on it ASAP. I give him a week and I call ACC again... still ZERO contact from owner. Me: wtf O: The account is messed up! We'll get right on it! I give 4 more days, call ACC, owner still has not contracted. I asked outright, what can I do to cancel this. The owner is giving me the run around. This is where ACC was very helpful for me. The rep stopped auto payments on my card and she outlined their protocol for them to contact the owner and verify cancellation. If the owner responds to them, and confirms cancel, they can finally take care of it. If the owner did not respond, they could take further actions. Finally the owner responded next day, the rep called me back and sent me a letter confirming cancellation. For future reference, I would stay away from any place that used this type of company or contract for their classes... its a good front for business owners to pull these kind of shady tactics. Collections companies are unpleasant, and I cannot comment on any of their collection procedures because I never got to that point. I do appreciate their service in helping me get out of this stupid contract... and husband is never allowed to sign another contract without me again! read more

I have been in contact with this company for months and they refuse to cancel my contract. I signed a six month contract, and a year later they refuse to stop billing me. I had to change my banking information and cancel my card to get them to stop billing me. Now I receive letters stating that I owe them past due monthly fees, late fees, etc. I even mailed them a copy of their own contract and highlighted all of the areas in which they are in violation of it and they still refuse to "terminate the agreement." This is a seriously shady debt collection agency posing as a billing company who are not only rude and incompetent, but also violate their own contracts illegally. What a sham. read more