A-1 Collections Service Complaints?

We help consumers who have complaints about collection harassment.

Updated on Author: Sergei Lemberg

Updated on Author: Sergei Lemberg

A-1 Collections Service
A-1 Collection Service and A-1 Collection Agency are debt collection agencies that receive a lot of consumer complaints for debt harassment. Find out who they are, why they might be calling, and how you can stop them.

What is A-1 Collection Service Agency?

There are actually at least two companies that go by ‘A-1 Collection’ name. The first is A-1 Collection Service, a debt collection agency based in Colorado.  The second is a company now known as Waterfall Revenue Group but before it was knowns as by its dba as A-1 Collection Service.  Consumers complain about both A-1 Collection companies, alleging harassment and violations of the Fair Debt Collections Practices Act, including inaccurate credit reporting, harassment, failing to validate debts, and sometime aggressive communications. If you’ve been abused by A-1 Collections, we can help.

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Is A-1 Collection Service a scam?

Both A-1 Collection companies appear to be legit. A1 Collections from Colorado is a legitimate company that was established in 1992 and is based in Grand Junction, Colorado. While the company itself exists to simply collect payments through a portal and is mysterious due to the fact that it is not BBB accredited and its website lacks information about the company and its clientele, its existence within your credit report can still do some serious damage. Therefore, while it may raise some red flags, it should still be dealt with to protect your credit score and ability to take out future loans. The company itself has reported upwards of 6.4 million dollars of revenue in 2020 and has been in the collections business for 29 years. A1 Collections uses a multitude of names including: a1 collections, a1 collections grand junction, a1 collections grand junction co, a 1 collection services, a1 collections grand junction Colorado, a-1 collection service, a1 collection agency, a 1 collections grand junction, a1 collection, a-1 collections, a1 collection services, a1collectionagency, a1collectionagency, a-1 collections, a1 collections, a1 collections grand junction co, a1 collections grand junction, a1 collections grand junction Colorado, a1 collection services, a 1 collections grand junction, a-1 collection service, yakima collections agency, collection agency phone numbers, a1 collection agency, collections agency number, yakima collection agency.

A-1 Collection from New Jersey aka Waterfall Revenue Group provides more information on its website than A-1 Collection Service of Colorado but it ironically receives more complaints. The company has received a number of complaints through the Consumer Financial Protection Bureau (or CFPB) and the Better Business Bureau and is currently not BBB accredited. A1 Collections based in New Jersey was established in 1964 and has 56 years in the collections business.

Who does A-1 Collection Services Agency collect for?

A-1 Collections primarily collects on medical bills and overdue fees whilst assisting in the processing of medical bills. The website for the company exists solely to lead you to a payment portal and lacks any description on what the primary focus of A1 collections is, or where their client base lies. The website itself only leaves visitors with the following legal disclosure: “This website is offered as a convenience for payment on accounts to A-1 Collection Agency.  However, because of the status of your account, the nature of the debt, the particular client, or any other reasons, payment(s) might not be able to be made on this website.  The submission of a payment shall not constitute “course of dealing,” or “course of performance,” and while payments made may constitute performance of a prior agreement payments made shall not be considered acceptance of a new payment agreement.”

A-1 Collection/Waterfall Revenue based in New Jersey, however, contains more information on their website including an “about” page regarding the company’s purpose, pages on debt collection, precollection, and descriptive articles, as well as contact information. A-1 Collection/Waterfall Revenue primarily collects for healthcare, retail, and government markets. The company is also a WBENC-Certified Women’s Business Enterprise.

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 A-1 Collection Service?

As a collections company, A1 Collections has accumulated 4 complaints from consumers according to the BBB. In fact, while BBB.org rated the company an A+, its customer reviews amounted to whopping 1 out of 5 stars. A majority of these complaints included complaints about inaccurate credit reporting, harassment, failing to validate debts, and aggressive communication. The Better Business Bureau has 4 recorded closed customer complaints lodged against A1 Collections based in Colorado within the last 3 years and 2 filed complaints closed within the last 12 months.

A1 Collections/Waterfall Revenue of New Jersey was also rated with an “A+” and a 1 out of 5 star review on the Better Business Bureau. Additionally, Better Business Bureau has recorded 14 complaints closed in the last 3 years and 5 complaints closed in the last 3 months for A1 Collections Agency of New Jersey, or Waterfall Revenue System.

Contact Information

A1 Collections Service (Colorado) Contact Information

  • Mailing Address: 715 Horizon Dr Ste 401, Grand Junction, CO 81506
  • Phone Number: (970) 241-2075

A-1 Collections aka Waterfall Revenue Group (formerly Traf Group, d/b/a A-1 Collection Service):

Can A-1 Collection Service 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 that either A-1 Collection 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!

Get Free BBB A+ Attorney. Call 475-277-1600 NOW

Unlawful Debt Harassment? Learn the Law & Sue the Collector.

Can you help me file a No Fee Lawsuit against A-1 Collection Service?

Absolutely. You can sue a debt collector. Here are some Cases:

Here is a sample complaint for A1 Collections of Colorado:

In 2018, a complainant claimed that beginning in March he/she underwent surgery with General Surgeons of Western Colorado (“General Surgeons”) and was insured. In June 2018, the complainant, “had a follow-up surgery with General Surgeons” again as an insured patient. They had paid for any and all, “extraneous costs/bills from General Surgeons” and claimed to have paid off all bills from the hospital by August 2018. It was at this time that the complainant began receiving collection notices from A-1 Collections and began to inform the collections company that he/she, “did not owe General Surgeons any more money”. Instead they, “paid an extra $100.00 to General Surgeons on-line to which they responded” to her saying that he/she no longer owed any more money. Everything was squared up and paid but since October the client claims, “A-1 has been hounding me for the bill that I had paid in full from my March surgery and then they started adding on interest and added derogatory remarks that still exist on my credit reports”. It was later on March 4th, 2019 that the complainant, “sent A-1 a summary of the payments made to General Surgeons, provided by General Surgeons showing zero balances”.

Additionally, here is a sample complaint for A-1 Collections/Waterfall Revenue Systems of New Jersey:

A complainant came to an agreement on May 8 with A1 Collections to pay a medical bill of “$967.44 in 2 installments”. They “paid $467.44 on May 8 and $500 on May 14”. The complainant explains that they have, “requested a confirmation/balance paid in full letter since May 14 and called the company 3 times but still has not received the confirmation letter”. The employees stated that they, “would do it immediately” but by June 30 the complainant was still waiting. The complainant spoke to two employees over time, with the last call occurring on June 30, in which one employee, “very rudely and unprofessionally told the complainant, “don’t give me any guff” and hung up on them. All that the complainant was requesting was a receipt of the transaction, claiming that the company, “has not been able to fulfill the simplest of transactions in providing me with a receipt”.

A-1 Collection Service 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 A-1 Collection 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.

Want to Stop A-1 Collection Service Debt Collection Harassment Now?

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 family, 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

What Our Clients are Saying

“We realize that ours is just one small case among many – and many more serious – but are heartened by the fact that you accepted it and represented us with a professionalism that belied the small dollar amount.”

“If you are unsure about this company…DONT BE!!! They are for real when they say they are here to help you. It only takes a few short minutes of your time to talk to a rep. I was a skeptic, but you did everything you said you would! I can’t say thank you enough!”

”Lemberg Law has saved me from the endless calls, and harassing voicemails. They really do go to bat for you. I didn’t know that debt collection agencies can end up paying your legal bill. What a surprise, to receive free legal help. I’m very grateful for all the hard work they did to finally give me my life back.”

“I won’t be afraid to contact you or recommend your services to others for debt collection difficulties. Please keep up the outstanding work you do, and again, thank you for helping me through this challenging time. I am most grateful.”

Can You Help Me Delete A-1 Collection Service 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.

Sergei Lemberg

About the Author:

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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