Advanced Capital Solutions or ACS is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
What is Advanced Capital Solutions – ACS?
Advanced Capital Solutions, Inc. (ACS) is a third-party collection agency based in Ohio. ACS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including threatening to take actions that cannot legally be taken and harassment. If ACS has contacted you about past due financial obligations,make sure you understand your rights before you respond.
Have questions? Call us now at 855-301-6100 for a Free Case Evaluation.
Our services are absolutely FREE to you.
The harassing company pays our fees.
Is Advanced Capital Solutions a scam?
They’re legit. According to the Better Business Bureau (BBB), Advanced Capital Solutions, Inc. is a legitimate collection agency, founded and incorporated in 2012. The BBB established a profile page for ACS in 2013 and lists ACS as a collection agency.
According to its website, ACS “is a full-service nationally licensed collections, accounts receivable, and portfolio management firm…with over 20 years of combined knowledge in the account receivables industry.” ACS has become “one of the top recognized receivable management firms.” ACS cites its “strong work ethic, team building atmosphere, and certified advanced leadership” as the reason it “continually meets and exceeds…client…goals and expectations.”
As a full-service collection agency, ACS provides a range of services, including trained professional account specialists, comprehensive skip tracing technology, letter campaigns, phone contact campaigns, debt portfolio management, litigation services, state-of-the art software, long-term client relationships, and competitive rates. ACS “services the nation’s leading debt lenders and purchasers” and offers both first- and third-party “collection services on primary and secondary accounts.”
The ACS website provides extensive information about its compliance policies. ACS states that it “complies with all applicable federal and state regulations,” including The Fair Debt Collection Practices Act (FDCPA); the Fair Credit Reporting Act (FCRA); the Rights to Financial Privacy Act; the Financial Services Modernization Act, also called the Gramm-Leach-Bliley Act (GLB Act); the Electronic Signature in Global and National Commerce Act (ESIGN); the Electronic Communications Privacy Act; the Privacy Act of 1974; and the Federal Trade Commission’s Red Flags Rule. In addition, ACS collectors undergo “multiple weeks of training for new hires, … and ACS requires ongoing training for all collectors.” Their compliance department employs “collection supervisors to silently monitor random calls, …a consumer advocate on staff, … and a specialized team dedicated to compliance.”
ACS’s Complaints page indicates that its Compliance Specialists and Consumer Advocates are available “to mediate debt-related questions,…to discuss…rights and responsibilities, and to help…navigate the intricacies of the collections process” by “working with debtors and/or their attorneys to resolve disputes; contacting regulatory agencies…regarding borrowers with disputes; or contacting clients directly for information on a debt to resolve any questions or disputes.” However, there are no direct links to consumer protection resources, laws, or enforcement agencies.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
How many complaints are there against Advanced Capital Solutions?
As of January 2019, the BBB has closed 75 complaints against Advanced Capital Solutions in the preceding three years, with 24 complaints closed in the previous 12 months. Almost al lof those complaints cited problems with billing and collections. Since March 2015, the Consumer Financial Protection Bureau (CFPB) has closed 5 complaints against ACS, all of them attributed to a company called Turning Point Solutions, LLC. Justia lists at least 3 cases of civil litigation involving ACS.
Can Advanced Capital Solutions Sue Me or Garnish My Wages?
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely ACS 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!
Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Can you help me file a No Fee Lawsuit against Advanced Capital Solutions?
Absolutely. Here are some Sample Complaints
Complaints against Advanced Capital Solutions frequently cite problems resulting from alleged harassment, collection calls made to third parties, and attempts to collect debts not owed. In November 2018, a complainant indicated that his “older brother, who lives two hours away from him, got a call from ACS stating that the complainant needed to call them immediately, because they were going to take legal action…but had to contact the complainant first.” Allegedly, ACS “left messages on his brother’s phone and called him many, many times…although… they haven’t once tried to contact the complainant via mail, email, or phone.” The complainant stated that when he tried to contact ACS, “there was no contact information as to who they were, it just went to a voice mail.” The complaint stated that he believes ACS’s conduct was “extremely wrong, since they haven’t even reached out to” him about whether he may “owe something that he is not aware of.” In its response, ACS denied the allegations, stating that their “office does not leave any messages threatening or implying legal action.” In addition, ACS stated that a “dunning notice was sent out…on 11/14/18 and they have still not received a response.” ACS stated that, according to their policy, “this account has been placed in a hold status and all numbers have been locked so as to receive no more calls.”
In October 2018, a complainant stated that Advanced Capital Solutions had “called several times harassing him and his partner over a bill about which they will not confirm any details.” The complainant asked ACS “to cease calling him on his cell phone several times” but he alleged that he “still receives calls daily.” In response, ACS stated that “there are 2 accounts in their office for” the complainant. They also stated that they had only just received the account today and first made contact this morning with a 3rd party who advised” ACS that the complainant was not in. ACS denied the complainant’s allegations, stating that “no calls were made prior to today, so he must have received a call from someone other than” ACS. ACS stated that they had “scheduled a dunning notice to go out…on both accounts and will await a response.” The complainant rejected the attempted resolution, stating that ACS’s claims were untrue and that he had attached call logs “which show… repeated calls to his phone even though he had informed them that… any accounts they may have were fraudulent and that he would not like to receive further calls from them.” ACS responded that they would review the call logs.
Advanced Capital Solutions Calling You?
Federal laws protect you. The Fair Debt Collections Practices Act (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).
But here’s the rub: If you want to enforce your rights, or recover money for violations — you need to sue. These laws provide individuals like you 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.
Stop Debt Collection Harassment
You may have a case, if…
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, a 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
“The group at Lemberg Law was professional, courteous, and effective. Their grasp of consumer protection laws and guidelines are second to none, and they work extremely difficult to ensure this procedure is client-friendly.”
“After a few months of frustration with a debt collector, I eventually called Lemberg Law. It was among the best financial decisions I have ever made. Jody and her staff were comprehensive, useful, and above all else powerful. I highly recommend their services and thank them for their continual efforts.”
“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.”
Can You Help Me Delete Advanced Capital Solutions from My Credit Report?
We can absolutely help. Call us today.
Share your story
Have you had a bad experience with this agency’s debt collectors? Sound off and share your experience with other visitors in the comment box below.