D&A Services on Your Credit Report: Your Options Explained

D&A Services, LLC also operates under the name Dynia & Associates. Both names belong to the same Des Plaines, Illinois debt collection agency founded in 2006. If either name appears on your credit report or collection letter, the article below applies.

D&A has accumulated multiple named federal lawsuits including a TCPA robocall case, an Electronic Fund Transfer Act case for unauthorized account debits, and two class actions over how they present account balances in collection letters. This guide covers who D&A is, their documented legal record, and how to respond.

Who Is D&A Services?

D&A Services, LLC is a third-party debt collection agency founded in 2006 and headquartered in Des Plaines, Illinois. They also operate as Dynia & Associates and maintain additional offices in St. Petersburg, Florida and Houston, Texas. The BBB has accredited them since 2013.

D&A collects for a wide range of clients including auto lenders, credit card companies, banks, medical providers, mortgage servicers, retailers, student loan lenders, telecom companies, and utilities. Consumer attorneys confirm D&A does not typically file lawsuits against consumers, in part because they collect nationally but lack a state-by-state legal infrastructure to pursue litigation efficiently.

The FDCPA and TCPA Lawsuit: Debt Disclosed to Mother, Jail Threat, Robocalls

A documented Lemberg Law case describes D&A committing several violations against a single consumer. D&A revealed debt information to the consumer’s mother, a direct FDCPA Section 1692c(b) violation. They caused the consumer’s phone to ring repeatedly with intent to annoy and harass. A D&A representative threatened the consumer with imprisonment if the debt was not paid, a violation of FDCPA Section 1692e(4). D&A also made automated robocalls to the consumer’s cell phone without consent, a TCPA violation.

The lawsuit sought $1,000 in FDCPA statutory damages plus $500 to $1,500 per unauthorized robocall under the TCPA, plus damages under the Georgia Fair Business Practices Act. Each element of this case reflects a documented and actionable D&A complaint pattern.

The 2015 EFTA Case: Unauthorized Account Debits

In December 2015, a consumer filed suit against D&A alleging the company conducted an electronic fund transfer from their bank account without written authorization. The Electronic Fund Transfer Act requires written authorization before any preauthorized debit from a consumer’s account. Debiting an account without that written authorization is a separate federal violation independent of the FDCPA.

If D&A has debited your bank account and you did not provide written authorization for that specific transaction, document the debit date and amount and file a CFPB complaint immediately.

The 2017 and 2018 Collection Letter Class Actions

In December 2017, a consumer filed suit alleging D&A’s collection letter stated a “current balance” without explaining whether that balance was increasing due to interest or fees. In February 2018, a proposed class action was filed making the same allegation more broadly: D&A failed to specify whether account balances were increasing in collection notices.

Under FDCPA Section 1692g, a collection notice must accurately convey the amount of the debt. When interest or fees continue to accrue, the notice must make clear that the balance may increase. A letter that lists only a “current balance” without disclosing whether it is static or growing misleads consumers about what they actually owe.

If your D&A collection letter lists a balance without any explanation of whether interest or fees are still accruing, request written clarification before paying.

Calling People Who Have No Account With Their Clients

A documented BBB complaint describes D&A calling a consumer repeatedly. When the consumer demanded to know the caller’s full legal name, the D&A representative said “I only have a telephone number” and continued calling. A separate pattern of complaints describes D&A contacting people who have no recognized debt with any of their client organizations.

FDCPA Section 1692d(6) requires a debt collector to meaningfully disclose their identity during any communication. Stating “I only have a telephone number” and hanging up does not satisfy that requirement.

What D&A Cannot Do Under Federal Law

Based on their documented case record:

• Disclose debt information to a third party such as a parent or family member: The Lemberg Law case documents this as a specific D&A violation. FDCPA Section 1692c(b) prohibits it.
• Threaten imprisonment for an unpaid consumer debt: Also documented in the same case. No consumer debt leads to criminal arrest.
• Make robocalls to a cell phone without consent: Each unauthorized automated call is a TCPA violation worth $500 to $1,500 per call.
• Debit a bank account without written authorization: The 2015 EFTA case documents this. Written authorization is required before any preauthorized electronic transfer.
• List a “current balance” without disclosing whether it is increasing: Two consecutive cases target this specific D&A collection letter practice.
• Continue calling after a written cease request: A documented BBB complaint pattern.

Verify the Debt Before Paying Anything

Send a written validation request by certified mail within 30 days of first contact. Specifically ask whether the balance stated in D&A’s letter is subject to ongoing interest or fee accrual. If it is, request the daily or monthly rate and the contractual basis for that accrual.

Illinois has a 5-year statute of limitations on written contracts. The relevant statute is the state where you currently reside.

How to Check Your Credit Report for D&A Entries

Search all three bureau reports for both “D&A Services” and “Dynia Associates.” Confirm the original creditor is identified and the balance matches what the original creditor recorded at referral. For auto deficiency accounts, verify the vehicle sale proceeds were properly credited before accepting the claimed balance.

Your Options for Resolving a D&A Account

• Document every robocall to your cell phone: The Lemberg Law TCPA case shows each unauthorized automated call is separately actionable at $500 to $1,500. Log date, time, and whether the call was automated.
• Check your bank statements for unauthorized debits: The 2015 EFTA case documents D&A debiting accounts without written authorization. Any debit you did not authorize in writing is actionable.
• Request written clarification on whether your balance is increasing: The 2017 and 2018 class actions were filed specifically because D&A did not disclose this in collection letters.
• Preserve any voicemail threatening arrest: The documented case shows this is a real D&A complaint pattern. A recording of that threat is significant FDCPA evidence.

How to Contact D&A Services

• Address: D&A Services, LLC, 1400 E Touhy Avenue, Suite G2, Des Plaines, IL 60018
• Phone: (877) 314-4308

Bottom Line

D&A Services operates under two names and has accumulated multiple named federal cases covering robocalls, unauthorized bank account debits, imprisonment threats, and misleading collection letter balance disclosures. Consumer attorneys confirm they do not typically file lawsuits against consumers, which limits but does not eliminate legal risk.

Before paying anything D&A claims, confirm whether the stated balance is increasing and request written validation. If D&A has called your cell phone with automated messages, debited your account without authorization, or threatened jail, document those incidents and consult a consumer attorney.