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AscensionPoint Recovery Services, LLC (APRS) is a third-party collection agency based in Minnesota that specializes in collecting delinquent accounts from the estates of deceased individuals. APRS has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA), including making false or misleading statements in an effort to collect a debt and using abusive, obscene, or profane language in an effort to collect a debt. If APRS has contacted you about past due collection items, make sure you know your rights before responding.
According to the Better Business Bureau (BBB), AscensionPoint Recovery Services, LLC was founded and incorporated in 2007. The BBB established a profile page for APRS in 2008. APRS is listed as a collection agency and debt consolidation service. Buzzfile estimates APRS’s annual revenue at $7.7 million and the size of its headquarters staff at 77 employees.
According to its website, APRS “is a nationally licensed decedent debt vendor located near Minneapolis, Minnesota…whose core competency is managing decedent debt recovery for credit grantors and service providers. APRS prides itself on its unwavering commitment to provide the best possible decedent debt solutions to its clients.”
The home page of the APRS website has links to the payment portal, the consumer resources page, and the careers and employment page. Their About Us page provides some background about the company’s founders and states that they have become “a leader in the decedent debt recovery industry…with proven performance that has increased client profitability and dramatically improved recovery rates while staying true to…core values.”
Most of the information about APRS’s services can be found on the consumer resources page, which states that APRS “is committed to providing as much information about the decedent debt recovery process allowed by law in order to assist the consumer in making informed decisions about available options.” In addition, APRS has included “some Frequently Asked Questions to help consumers navigate through the decedent debt recovery process.” They also include links to grief counseling websites and a self-help site with information about the probate process.
The security page states that “data security and compliance are APRS’s highest priorities.” This page provides extensive information about their compliance with the PCI Data Security Standard and the ISO 27002 Framework for Best Practices. In addition, their consumer resources page provides contact information for site visitors who want to submit complaints. However, their website does not provide links or references to consumer protection laws or enforcement agencies.
The BBB has closed 18 complaints against APRS in the past 3 years, with 7 complaints closed in the previous 12 months. The majority of those complaints alleged problems with billing and collections, although several complaints also alleged problems with customer service. APRS has also received 18 negative reviews. Since April 2015, the Consumer Financial Protection Bureau (CFPB) has closed 15 complaints against APRS. Justia lists at least 2 cases of civil litigation involving APRS.
AscensionPoint Recovery Services, LLC
200 Coon Rapids Blvd NW, Ste. 200
Coon Rapids, MN 55433-5867
Telephone: (763) 235-3710
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely APRS 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
Complaints against APRS frequently cite problems resulting from efforts to collect from the estates of the wrong people. In July 2017, a complainant stated that she had “received a letter from AscensionPoint LLC, addressed to her own estate.” She stated that she was shocked to learn that she had died and asked APRS when she had died and how it had happened, since she was not clear on the details. She said it was “confounding as to how they thought she was dead.” She had conducted a “Google search, and there have been no others with her name, and in her town, who have died recently.” She questioned whether APRS “shotguns these things out to addresses in a general area, based solely on a name on an obituary, hoping one of them will respond.” In response, APRS issued “an apology for any inconvenience or confusion their communication may have caused.” They stated they are “a collection agency specializing in deceased accounts and were attempting to locate an executor or otherwise authorized representative for an estate. In so doing, they take consumers’ concerns about unwanted contacts very seriously the moment they are made aware. In this instance, it appears they may have received incorrect information.” They stated that they had updated their records, notified the client, and returned the file to them. They invited the complainant to contact them with any further questions.
In December 2015, a complainant stated that APRS had “falsely reported him dead and were trying to collect debts from his estate.” The complainant alleged that APRS had “contacted …his bank and falsely reported him dead, causing two credit cards…to be cancelled with balances due. APRS then contacted his family the following… week attempting to collect unpaid debts.” The complainant insisted that he is not dead, “owes no overdue balances to anyone and now does not know what damage has been done to his good name.” He stated that he is “sincerely upset and has received no information from APRS as to why they reported him dead or what they hope to gain from doing so.” He assumed they “are running some kind of scam and should be investigated and stopped from damaging people’s credit and reputations.” In response, APRS stated that they handle “accounts for… clients where their customer recently passed away. APRS did not report the complainant’s death… prior to his accounts being placed with their office; rather, their role is to attempt to locate executors or other authorized estate representatives for estate or probate information in furtherance of account resolution.” The also stated that the complainant’s accounts appear to have been erroneously placed in their office by their client… That same day, …APRS mailed a letter to the complainant at the last known address their client had on file in furtherance of their goal to identify the authorized individual who could assist with resolving the accounts from estate assets.”
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 recieving 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.
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