EOS CCA , Inc. (EOS) is a third-party debt collection agency based in Massachusetts. EOS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), such as attempting to collect debts not owed and failing to provide written verification of debts. If EOS has contacted you about delinquent collection items, make sure you understand your rights before taking action.
The harassing company pays our fees.
They’re legit. According to the Better Business Bureau (BBB), EOS CCA, Inc. was founded and incorporated in 1991. The BBB established a profile page for EOS in 2004. The BBB lists EOS CCA as a collection agency with an estimated 850 employees that uses the alternate business names, EOS Healthcare and Collecto, Inc. Buzzfile estimates EOS CCA’s annual revenue at $47 million and the size of its headquarters staff at 388 employees, with an estimated total of 538 employees across all locations.
According to its website, EOS “is a professional debt collection company…that helps companies come to amicable agreements with consumers with outstanding debts.” In its “early days, …EOS …provided basic collection services…and has since developed into a premier agency for all stages of receivables management.” EOS states that its goal is “to work with consumers with the utmost respect and professionalism to resolve their outstanding debt issues.”
EOS CCA collects delinquent debts for many types of businesses and industries, including banks and other financial services companies; education lenders, including colleges, universities, and other student loan finance companies; telecommunications companies; and many other types of businesses. EOS “works on behalf of the original supplier based on a Debt Assignment Agreement.”
The EOS website does not provide a lot of detailed information about their actual debt collection or other business practices. Their Frequently Asked Questions page provides some general information for site visitors with questions about how to respond to collection notices. However, the EOS website does not provide any detailed information about their regulatory compliance polices, or any links or references 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.
As of November 2019, the BBB has closed 237 complaints against EOS CCA in the preceding 3 years, with 71 complaints closed in the previous 12 months. Most of those complaints cited problems with billing and collections, although several complaints also cited problems with customer service. As of July 2013, the Consumer Financial Protection Bureau (CFPB) has closed 1,781 complaints involving EOS. Justia lists at least 7 cases of civil litigation involving EOS.
EOS CCA
700 Longwater Drive
Norwell, MA 02061
Phone Number: 877-395-5997
Website: http://www.eos-cca.com/
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely EOS CCA 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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Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Absolutely. You can sue a debt collector. Here is a Sample Case Filed in Federal Court:
In September 2015, in United States District Court for the District of Minnesota, a judge issued an opinion in a case alleging EOS CCA had violated certain provisions of the Fair Credit Reporting Act (FCRA). In this case, the plaintiff had acquired cable and internet service from AT&T, who provided him with a modem. However, when the plaintiff “attempted to use it, he discovered it could not obtain a proper signal, so he promptly returned it. Nevertheless, AT&T billed him and, eventually, turned his account over to EOS for collection.” About four months later, the plaintiff was applying for a home mortgage loan. “The broker obtained his credit report and discovered derogatory information from EOS related to the AT&T account. The broker told the plaintiff that this information posed a problem and needed to be removed.” As a result, the plaintiff contacted AT&T, who “informed EOS that the account was deactivated and closed and should be deleted.” Regardless, “the derogatory information remained on his credit report.” 5 months later, “the broker again obtained a copy of the plaintiff’s credit report and found the derogatory information from EOS was still being reported.” The following month, the plaintiff “sent a letter disputing the account information to the credit reporting agencies,” in which he “noted that the reported information was incorrect, that the plaintiff had returned the modem to AT&T, and that AT&T had previously advised the account should be deleted.” Three months later, the credit reporting agency sent the plaintiff’s “dispute to EOS for verification using an electronic form called an… Automated Credit Dispute Verification,” or ACDV. “EOS, through a company it controls in India, investigated and determined that the plaintiff’s account should in fact be removed from credit reporting, and it ‘coded’ the account for deletion that same day. Two days later, however, the credit reporting agency sent EOS another ACDV related to the plaintiff’s account. EOS alleges that in response to the second ACDV, it once again reviewed the plaintiff’s account, which at that point had been markedfor deletion, and responded to the credit reporting agency that the account information was correct—in other words, since it had already marked the account for deletion two days earlier, the information showing deletion was accurate.” As a result of the poor communication, the deletion request was not communicated to the credit reporting agency, and the plaintiff’s credit was damaged. The plaintiff alleged that he was “denied credit as a result of the failure to remove the derogatory information from his credit file” and sued EOS for failing “to conduct a reasonable investigation into his dispute, in violation of the FCRA.” He also sought additional damages because the “erroneous reporting… caused him to suffer emotional distress, despair, anxiety, and loss of sleep.”
Attorneys for EOS CCA argued that the plaintiff’s claim failed to meet the legal standard necessary to award damages, claiming that there is no specific set of guidelines to allow the court to determine whether an investigation of a consumer complaint is reasonable. However, because EOS had so poorly managed the request to delete the item from the plaintiff’s credit report, the court agreed that the plaintiff’s claim of negligence had merit. EOS also attempted to argue that the plaintiff had not provided any evidence to support his claim for additional damages. The court disagreed with the reasoning of EOS’s attorneys here, too, stating that there was “evidence in the record …indicating that the plaintiff suffered from physical maladies (inability to sleep, anxiety), for something much more than a ‘brief’ period, as a result of EOS’s conduct.” As a result, EOS’s Motion for Summary Judgement was denied, and the plaintiff was allowed to continue with his complaint.
Here are some past Press Releases of Lawsuits Brought On By Lemberg Law
February 18, 2013. A report and recommendation from a magistrate judge means that Butto and Houser vs. Collecto, Inc. (U.S. District Court, Eastern District of New York, Case No. 2:10-cv-02906(ADS)(AKT)) is one step closer to receiving class certification. Lemberg & Associates is representing Victoria Butto, who are suing Collecto, Inc. (doing business as EOS/CCA) for unlawful and predatory debt collection practices. The suit alleges that Verizon Wireless turned over Ms. Butto’s debt to Collecto for collection. Collecto sent her a debt collection letter that added collection fees to the amount owed. Collecto had made arrangements with Verizon that they would receive their payments when Collecto had successfully collected on the debts. If Collecto didn’t collect on the debt, they weren’t entitled to any fees. Because no monies had been recovered at the time Collecto sent the letter, it was not entitled to its collection fees. The suit alleges that Collecto therefore misled Ms. Butto by creating a false impression that they incurred collection fees and owed that money, in violation of the Fair Debt Collection Practices Act.
The Report and Recommendation filed by the court recommended that the presiding judge grand class certification to the following: New York consumers who were sent a collection letter by Collecto, Inc. DBA EOS/CCA for a Verizon Wireless account, which included a collection fee for Verizon Wireless service that hadn’t yet been incurred when the letter was sent.
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).
Consumers have reported this agency harassing them from the following numbers:
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.
You may have a case, if…
“I just wanted to take a minute to say thank you! Being in debt is difficult enough without being harassed by collection agencies, but thanks to you I no longer need to be a victim. I didn’t know what to expect when I emailed your company, but from the start you guys were on the ball.”
“I found your site. She listened intently and addressed every one of my worries. She instantly forwarded me an email and advised that I wouldn’t be billed for services rendered. She made me feel confident and assured, and that somebody was in my corner.”
“I was struggling so hard and the collection calls were quite painful. Your specialist team sorted out all of these issues. My life is my own again. Thank you.”
The brief answer is yes. We can help. Call us today.
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Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."
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they sent me a bill for bell canada stating i owe bell money i got a letter from a a company that did not exist they were piggy backing off a 1 800 number thathad no conection to any phone company in the usa
Starting around October of 2021 I started receiving phone calls from a representative claiming to be calling from EOS CCA. When they call they address me by first and last name and request that I confirm my address with them to discuss a ‘PERSONAL matter’. That’s the script they give every single call. I’ve never received anything from them in the mail and they refuse at first to release the information they’re calling me about. After questioning them and not confirming the address, they then tell me they’re calling regarding an address that I’ve never been associated with. It’s an address located in a city I haven’t lived in over 3 years. If my understanding is correct, shouldn’t they as a debt collection agency have the correct contact information instead of calling phone numbers to figure out if they have the right person? So when they called me this month we went over the same thing, I asked them to hold so I could look up my past address because I didn’t remember. In reality I was just looking up their phone number and the home page for EOS. As soon as the call hit the 2 min mark I heard the rep say ‘ok’ and then they hung up. I called back and got a different representative. They looked me up by my phone number and addressed me by first and last name and provided the same address provided in previous calls. I asked them to stop calling this number because I’m tired of repeating myself. This representative apologized and stated they would take my phone number off the file they have as previously stated. After ending that call I blocked their number.
Calls continue to come in by various companies claiming to be on behave of Bell Mobility. They keep asking for personal information. I have tried to get access to outstanding debts which are overdue through Equifax etc. This company is not on any list anywhere reported that I owe them money. I had one account many years ago the phone was stolen and reported stolen the same day and company continued to charge me for service. Anytime I contacted the company, I was transferred to may other representatives the issues were never resolved or the line disconnected.
Eos CCA is a scam. DO NOT PAY THEM. They try to collect on paid off debt that can be proved as paid and info they can collect on public record. They cannot prove the validity of supposed debts when asked. They say they will mail the information and details and proof of validity and they never do. It is FAKE!
Beware everyone. My wife and I received a spam call from this “company”. These scammers use a legitimate company name (the real company is located in MA) in an attempt to make the scam more believable. Please do the following EVERY SINGLE TIME that you get any suspicious calls:
*NEVER GIVE THEM ANY PERSONAL INFORMATION. Do not tell them anything, including addresses, names, accounts, etc., you ask all the questions. NEVER PAY THEM OVER THE PHONE OR SEND ANY KIND OF PAYMENT.
*Ask what company they are “collecting” for and an account number. Immediately call that company to verify this. 99.9% of the time the company will have no record of such info, and will even verify for you if they use that company for collections at all.
*Check the phone number. Google it. A lot of times other people have posted about the same spam calls. Then also check the number of the real company EOS CCA. I guarantee the number that called you is NOT the same as the legit company phone number.
I worked in Collections for 15 years. This is a guaranteed scam every time. Please do not become their next victim.
Verizon does not send close an account if their is an amount due. After calling Verizon, the wrong name is on the account and it had been closed within a week after it was opened in 2016. 3 years later, EOS CCA and US Management Inc sent me a past due account and I only knew this because it was on my credit report. I disputed them on all 3 and within 24 hours, all 3 removed it. I just received another past due from the same company. How is this possible? This company is a third party scam debt collector from a second party that somehow found this information. Is this going to occur each year? This now feels like harassments. We have MA cell numbers and have been receiving a large amount of MA calls lately. We do not pick up and no message is ever left.
I have been receiving calls form Eos CcA multiple times a week then a month they just called me even though, I have no clue how they got my number and why they won’t state who they are when asked. They are going against MN rules on debt collectors when you are asking what company they belong to. They won’t answer.
Receiving multiple calls from EOS CCA. Twice this week. Yesterday & this morning.
EOS Canada calls from over 30 different numbers at times from 6am to 11pm. They are trying to collect on a matter that was resolved years ago. They threaten and lie and are completely ignorant to facts and truth.
For people automatically think is a SCAM. EDUCATE yourself, third party agencies aren’t to complain they just the ones getting their hands dirty . While the bigger first party companies do no wrong. I read someone said they had fix income. Talk to your third party collection If is something you really want take care off. Hopefully they give you the biggest discount they can on the type of collection account it is
I received a notice of collections on 7-12-19 from EOS-CCA stating i owed $53.13 to Sirius XM Radio because i let my subscription run out without notifying XM Radio that i would not renew my subscription. EOS-CCA would not give me the phone number to XM Radio so i looked it up on line and called them. They stated i did not owe them anything and they had not turned this in for collection. Something is fishy here, if Sirius XM Radio did not turn this in, how did EOS-CCA Collections agency get my name, address the amount XM Radio wanted for 6 month of subscription?
I have submitted a complaint to the Consumer Financial Protection Bureau and with Sirius XM Radio. I will fight this a long as i live!
My next complaint will be filed with Better Business Bureau in Massachusetts.
This appears to be a scam dreamed up by Sirius XM Radio and EOS-CCA Debt collection Agency.
my name is roseanne s EOS want me to pay 327.36 im in A fix in come.i did not know that My mom put in on centurylink .my mom was paying the bill for just little bit.Last year my mom passaway.Now i dont know what i should do
EOSCCA is a scam. My student loan is a Federal Student loan and I never borrowed from a private loan company. They stole my information. They have my social and everything. I asked my Federal Student Loan and they told me to file a report and get evidence to sue them. Apparently they also got one of my friend and she paid them over $2000 until I told her they were a scam. She called her private loans and she found out that they were not one of them. They were scamming her and now she is suing them. I can’t believe our government could let this happen and can’t close down big time scammers like them. Our government are not doing their job. What a joke!!
EOS CCA is showing up on my credit report for a CenturyLink account. When I called CenturyLink to verify or figure out what’s going on, they can’t find anything. I disputed the EOS CCA collections report on my Experion credit report and Experion said EOS CCA proved it to them as legitimate. What can I do with this? Many posts online claim EOS CCA is a scam.
Calls continue to come in by various companies claiming to be on behave of Bell Mobility. They keep asking for personal information. I have tried to get access to outstanding debts which are overdue through Equifax etc. This company is not on any list anywhere reported that I owe them money. I had one account many years ago the phone was stolen and reported stolen the same day and company continued to charge me for service. Anytime I contacted the company, I was transferred to may other representatives the issues were never resolved or the line disconnected. I will not ever give out my personal information over the phone. I do not have an address. I do have email. I asked in the past for information legal with a business name and all account information to be emailed to me so I can assess this matter. I was denied. I had tried to make appropriate payment plans because they were not the totaled amount I was denied. I will not give out my sin number on the phone nor will I give out my birth date and any information to a business or corporation which refuses to work with me. If calls continue I will be notifying the Federal Trade Commission and TCPA and RCMP for harassment, fraud and giving out personal information. I do not have a home or address. I will not pay anyone who will not provide me with professional documentation of what I owe and why. I need this information for financial help. I do not have to pay anyone or give out my personal information, as a credit counselor telling me not to pay these accounts a cent.
Since 2014 I remember I borrow 4500 from a bank to pay for my class. I had never have business with EOS CCA they put a bill of 8,600.00 in my credit report and I down to 100 points. I’m really need to take that charge on my report.