Improved Data Services Or IDS 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 Improved Data Services?
Improved Data Services LLC or IDS is a debt purchaser and collection agency based in New York. IDS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), such as using false or misleading information in an effort to collect debts and threatening to take actions that cannot legally be taken. If IDS has contacted you about past due financial obligations, make sure you understand your rights before you respond.
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Is Improved Data Services a scam?
They’re legit. According to the Better Business Bureau (BBB), Improved Data Services, LLC was founded and incorporated in 2008. The BBB established a profile page for IDS in 2009. The BBB lists IDS as a collection agency.
According to its website, IDS “understands that financial oversight can be as simple as a gap in communication between creditors and consumers.” As a result, IDS states that its “goal is to offer a compassionate and professional approach to achieving financial freedom.” IDS collectors “will always do their best to make each consumer feel as if they are being treated with the respect and dignity that they deserve.”
Who does Improved Data Services collect for?
The Improved Data Services website does not provide specific details about the types of businesses or industries for whom they collect debts. However, they state that they have a “diverse background in multiple facets of debt management, banking, debt buying, business consulting, third-party collections, and legal referral.”
IDS offers services in three distinct areas—debt recovery; consultation and recommendation; and legal referral. “The combined experience of IDS officers and consultants” supports this “diverse suite of services for the recovery of… delinquent financial obligations.” IDS’s comprehensive consultation services “help identify gaps and opportunities in the recovery process,” with reports that include project plans, timelines, milestones, cost analyses, and schedules. IDS’s legal referral division provides free referrals “to affiliated counsel in 38 states.”
The IDS website does not provide any detailed information about their regulatory compliance policies. Their Consumer Information page tells site visitors that IDS wishes “to empower you, support your growth, and take you one step closer to financial freedom.” There is a link to a web-based complaint form that allows site visitors to enter their name, email address, and a text box to describe their complaint. However, there are no links or references to consumer protection resources, laws, or enforcement agencies.
How many Complaints are there against Improved Data Services?
As of January 2020, the BBB has given Improved Data Services a rating of F, citing their failure to have acquired required licensing; their failure to respond to complaints; and the number of complaints filed against them. The BBB has also posted 3 alerts on IDS’s profile page. The BBB has closed 9 complaints against Improved Data Services in the preceding three years, with 6 complaints closed in the previous 12 months. Most of those complaints cite problems with billing and collections, with two complaints citing problems with customer service. As of November 2018, the Consumer Financial Protection Bureau (CFPB) has closed 11 complaints involving IDS. Justia lists at least 1 case of civil litigation involving IDS.
Improved Data Services, LLC
5500 Main St., Ste. 212
Williamsville, NY 14221
Telephone: (855) 764-8983
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.
Can Improved Data Services 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 IDS 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!
Can you help me file a No Fee Lawsuit against Improved Data Services?
In May 2017, in the District Court of Shawnee County, Kansas Division, the Attorney General of Kansas issued a Consent Judgement prohibiting Improved Data Services from doing business in the State of Kansas. In this case, the Kansas Attorney General’s office established that IDS had “either directly or indirectly or through servicing contracts or otherwise undertook the collection of payments from or enforcement of rights against Kansas consumers/debtors in connection with more than one thousand (l,000) debts and obligations which originated as supervised loans, as defined by” the Kansas Consumer Protection Act (KCPA). Throughout the duration of their business activities in Kansas, IDS had been “required to obtain a ‘supervised lender’s license’ from the Office of the State Bank Commissioner of Kansas, or apply for and obtain a ‘supervised lender’s license’ within three months of beginning to collect or enforce that type of account in Kansas,” but IDS failed to ever apply for or obtain such a license, which normally would have allowed them to “take assignment of or enforce debts, rights, obligations, or accounts which originated as supervised loans.” As an unlicensed collection agency, IDS then “on multiple occasions took advantage of the debtors’ and/or consumers’ inability reasonably to protect their interests because of their ignorance or inability to understand the language of the agreement, thereby violating the provisions of” the KCPA. In addition, IDS representatives made “false, misleading, or untrue representations to numerous Kansas consumers on multiple occasions concerning its legal authority to collect debts that originated as supervised loans…and failed to inform and/or suppressed, omitted, or concealed that they…had no legal authority to enforce, in the State of Kansas, debts that arose from supervised loans.” Such activity in the State of Kansas “constitutes and is declared to be an unconscionable act or practice in violation of the” KCPA. As a result, the IDS representatives in this case were required to abide by a Consent Judgment in which they had to “agree to refrain, and be permanently enjoined, from all collection or enforcement activities in the State of Kansas on any account arising from a debt or obligation which originated as a supervised loan,” as defined by the KCPA. IDS was also required to “seek the dismissal of all pre-judgment collections litigation; to not enforce, collect, or otherwise transfer any Kansas consumer’s debt obligations”; and to request that credit reporting agencies “amend, delete or suppress information in the public record section of such files regarding all actions in collections litigation cases initiated by” IDS representatives. IDS was also required to “refund to consumers, within 30 days of the effective date of the Consent Judgment, all payments made on accounts in their portfolio and to …pay civil penalties in the amount of $150,000.”
As of January 2020, the BBB has indicated that Improved Data Services “had not obtained a necessary license” to conduct certain collection activities. In addition, the BBB “conducted an investigation” to make determinations about IDS’s “licensing and bonding, where it does business, a list of all physical and remote locations, the company’s EIN and affiliations with other businesses.” However, IDS did not respond to the BBB’s requests for information.
Improved Data Services 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).
Can I sue IDS for harassment?
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal 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.
“With your help the nagging collection calls have finally ceased! I was thrilled I was also able to get damages from the collection agency. I am unable to adequately express my joy. I am so thankful I made the call.”
“When I first emailed the office, I was not exactly sure what they could do for me. I had an idea, but they responded back with everything I could expect to take place. I never believed I would be receiving a check, it was definitely a silver lining. I highly recommend them to anyone seeking customer legal services.”
“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 Improved Data Services from My Credit Report?
We ought to be able to assist. Give us a call and tell us what is happening.
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