- Who is Account Discovery Systems?
- Is Account Discovery Systems a Scam?
- Account Discovery Systems Complaints?
- Can Account Discovery Systems Sue Me or Garnish My Wages?
- Account Discovery Systems Lawsuits
- Account Discovery Systems Calling?
- How Do I Stop Account Discovery Systems Debt Collection Harassment?
- How Can I Delete Account Discovery Systems from My Credit Report?
Account Discovery Systems LLC or ADS is a third-party debt collection agency based in New York state. ADS has received complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including the use of false or misleading language in an effort to collect a debt and threatening to take actions that cannot legally be taken. If you have been contacted by Account Discovery Systems, make sure you understand your rights before responding.
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According to the BBB, Account Discovery Systems, LLC was founded in 2011. The BBB established ADS’s profile page in 2012. ADS is listed as a collection agency.
According to its website, Account Discovery Systems is “dedicated to recovering…debts as well as working with debtors to pay off what they owe and educating them on the risks and the negative consequences of being in debt.” ADS “strives to collect debt… in an efficient, courteous, and FDCPA compliant manner.”
ADS’s mission is to “relentlessly focus on…core values…to create an environment that not only capitalizes on opportunity but also promotes P.R.I.D.E. Perseverance, Respect, Integrity, Dependability, and Excellence throughout their offices, up and down their halls, and at every seat filled by an employee.”
Account Discovery Systems offers services in three main areas: 3rd party collections, payment services, and litigation. ADS’s 3rd party collection division “utilizes state of the art computer technology, combined with highly skilled and experienced collection specialists.” ADS “demands the highest standard of professionalism from all… account managers with each and every account.” ADS “resolves the majority of cases… without any legal actions,” but will recommend litigation when they “are faced with complete denial of payment by some consumers.” Finally, ADS “offers an integrated internet payment solution that is available 24 hours a day, 365 days a year.”
Account Discovery Systems accepts delinquent accounts from a variety of businesses, including retail and consumer credit cards; education lenders; auto lenders; medical service providers; and rent-to-own retailers. ADS “follows a strict code of ethics to enforce bad debt collections, which we constantly monitor to ensure a professional approach.” In addition, their “collectors are continuously trained in FDCPA rules and requirements.” ADS’s website does not include a page with consumer protection resources, laws, or enforcement agencies.
The BBB has closed 47 complaints against Account Discovery Systems in the past three years, with 17 complaints closed in the past 12 months. Most of those complaints alleged problems with billing and collections. Since March 2015, the Consumer Financial Protection Bureau (CFPB) has closed 33 complaints against ADS. Justia lists at least 13 cases of civil litigation involving Account Discovery Systems.
Account Discovery Systems, LLC Contact Information
Account Discovery Systems, LLC
11 Pinchot, Suite 110
Amherst, NY 14228
Telephone: (866) 416-9177
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely Account Discovery Systems would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Absolutely. Here are some Sample Cases against Account Discovery Systems LLC
Complaints against Account Discovery Systems often cite rude and aggressive telephone conduct by ADS representatives and potentially illegal communication tactics. In March 2018, a complainant indicated her mother and stepfather had received calls at their home numbers asking for the complainant. While speaking with the complainant’s parents, Account Discovery Systems representatives allegedly misrepresented themselves by “stating that the complainant listed them as a reference and that they were trying to reach” her. The complainant’s parents thought the call was about a job prospect, so they provided the representative with the complainant’s contact information. The ADS representative also allegedly shared additional information about the complainant with the complainant’s parents. When the ADS representative made contact with the complainant, she indicated she was “about to garnish her assets and that this was a courtesy call to let her know that the garnishment would be filed” the next Friday. The complainant indicated her understanding that garnishments require a lengthy legal process before being imposed; that Account Discovery Systems may have acted illegally by sharing information with her parents; and that she had never received any notification of the delinquency prior to being warned about the impending garnishment. The ADS representative also indicated that they had previously tried to debit her bank account for payment, but the attempt was rejected for lack of funds. The complainant indicated she had no recollection of any such debits or NSF attempts. The complainant indicated that out of concern and frustration, she gave the ADS representative her credit card number and agreed to payment arrangements, but she never received the terms of the agreement.
In response, Account Discovery Systems indicated their belief that the complainant had confused the phone call she had had with the ADS representative with a phone call she may have had with her credit card company. They also denied ever having mentioned anything about garnishing her bank account and the complainant’s allegation that they had failed to send the account documentation. ADS indicated the representative in question had been required to undergo retraining. In her rebuttal, the complainant reasserted her complaint and indicated that ADS’s claims were untrue. Account Discovery Systems management invited the complainant to call them to discuss the matter in further detail.
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). The FDCPA regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt.
The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency.
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are receiving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
We can make them STOP!✋
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call ? 844-685-9200 NOW.
What Our Clients are Saying
“As we discussed on the phone earlier today, this settlement is perfectly okay to me. I need to thank you and all of your cohorts at Lemberg Law to get a project handled so professionally. Please allow Amy, the first person who contacted me from Lemberg, know how much I appreciate her efforts, kindness, and professionalism.”
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“I received outstanding professionalism from the own staff. I had a horrible experience when trying to solve a debt. 1 debt collector associate said she would speak to the prosecutor’s office and another representative told me that when I called the office back he would call the police and have me arrested. I had been insulted, mocked, and threatened, and feared that the police would appear at my door any given moment.”
“I just wanted to let you know we received the check from your office on now and I wanted to take some time to inform you that we really appreciate all of your efforts in this matter.”
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