Account Control Systems is a debt collection agency which appears to have received a large amount of complaints alleging violations of the Fair Debt Collection Practices Act. Find out who they are, why they might be calling, and how you can stop them.
Account Control Systems is a debt collections agency based in Montvale, New Jersey. It appears as though there are a variety of different complaints against Account Control Systems alleging violations of the Fair Debt Collection Practices Act (FDCPA) including falsifying credit reports and incessantly harassing debtors. If you have been contacted by this debt collector, make sure you understand your rights before taking action.
The harassing company pays our fees.
They’re legit. Account Control Systems can be considered a legitimate collections company due to the fact that it has been in business for 39 years. Therefore, it is unwise to ignore the need to resolve your debt and write off Account Control Systems as a scam. Account Control Systems was started on January 4th, 1982 and was incorporated on September 29th, 1999. The collections business has not been accredited by the Better Business Bureau and it has received an “D-” rating from the BBB. According to the Account Control Systems website, the President of the company, Joseph W. Vitale, had a vision for the company, “To provide effective collection services while still holding onto the belief that treating delinquent customers with respect and financial guidance could produce positive results”. Some complainants feel as though this vision has not been achieved by Account Control Systems.
In regard to the collection company’s qualifications, according to their website, Account Control Systems is a part of a variety of professional organizations including: International Association of Commercial Collectors, ACA International, National Mail Order Association, Certified Commercial Collection Business, Credit Card SAFE, and the New Jersey Association of Collection Agencies. The company additionally maintains membership with Experian, Equifax, and TransUnion. Lastly, According to dnb.com, Account Control Systems has a total of 22 employees and earns $2.29 million in sales. In respect to the leadership of the company, Account Control Systems is managed by Key Principal Amelia Vitale.
Account Control Systems specializes in collections for a variety of different clientele. These industries that Account Control Systems works with include: consumer financial, retail, healthcare, municipal, government and education sectors, and commercial business. In respect to the services provided by this collection company, Account Control Systems works within first-party collections, third-party collections, and skip tracing. Because there is such a wide range in the types of clients that Account Control Systems collects for, it is important to understand what area of collections your debt comes from. Because of this need, it is wisest to confirm which debt is specifically owed and to whom when inquiring about your debt. Inquiring as soon as possible is the smartest move to make, and if you feel as though this company has breached their FDCPA rights be sure to contact an attorney to help you file a lawsuit.
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.
Account Control Systems has received a number of complaints across the internet, including BBB.org. It comes to no surprise that with a BBB.org rating of a “D-“, comes a number of complaints as well. Account Control Systems has received 2 complaints closed in the last 3 years and 1 complaint closed in the last 12 months on the BBB website. While Account Control Systems has spent time responding to these two complaints on the BBB, the reoccurrence of similar complaints and issues has done damage to Account Control Systems’ reputation within the collections world. On top of the BBB.org complaints, Account Control Systems has also received 2 reviews on Google Reviews, amounting to a 3.0 star review. More seriously, Account Brokers Inc. could have also been a part of a variety of lawsuits, sanctions, and penalties. Take a look at the Public Access to Court Electronic Records (“PACER”), which reports all federal complaints within the U.S. federal system’s docket, to find out.
While Account Control Systems is not able to make empty threats to sue you or garnish your wages because it is illegal, it is not uncommon for debt collection agencies to summon debtors to court and garnish wages after a default judgement. Account Control Systems would likely choose not to sue you for a debt you may not owe or they cannot verify, but if they are able to do so it is the wisest option to contact an attorney preemptively to ensure the safety of your assets and rights. Lemberg Law has helped thousands of consumers fight back against these cases of fraudulent collection practices. Call us today to find out how we can help you resolve this issue.
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Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Absolutely. You can sue a debt collector. Here is a sample complaint:
A complainant had a car loan which was co signed for someone, “shortly after returning from Afghanistan, that went bad shortly there after”. The complainant explains that this loan became delinquent and was later given to Account Control Systems. It was only after calling the Hudson Valley Federal Union that the complainant found out that there were outstanding payments on his account. When the complainant called Account Control System, he/she was told that there was balance of $14,500 left to pay, and a settlement balance of $11,500, if the complainant payed within 3 months. The complainant proceeded to pay the settlement balance within a month and sent in the the final payment on September 7, 2018. However, Account Control Systems failed to to let HVFCU know that the settlement had been paid in full. Because of this lack of professionalism, the complainant still has a balance present on the loan and it is continuing to increase on his/her credit report.
If you find yourself allegedly indebted to Account Control Systems, it is important that you learn to protect yourself by understanding your rights when it comes to collections companies. This protection can be achieved by familiarizing yourself with the Fair Debt Collection Practices Act, which outlines a person’s protections against the abuses and misconduct of collection agencies. You can find these rights listed on the Federal Trade Commission’s website under, “Debt Collection FAQs”. In addition to your rights under the FDCPA, do not forget that you also have additional rights to protect yourself from fraudulent practices under the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
Yes, you can sue. If you would like to be able to recover your damages and protect yourself as an individual, you ideally should. The correct action to take when your FDCPA rights are breached is to sue. Federal laws protect citizens like you from these fraudulent practices. You should choose to award yourself the ability to defend your rights and receive compensation by suing if you feel as though these rights have been violated. Individuals like you can recover damages of up to $1,000, plus attorney fees and court costs.
You may have a case, if…
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“Lemberg Law has consistently provided top notch advise, council and recommendations. They are the most professional and attentive practice I’ve worked with. Highly recommended.”
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“As I’d read in other reviews. Not afraid to take on the big guys who think they’re above the law. You will not be sorry if you have a case and Lemberg law representing you. Thank you.”
Yes, we would love to assist you in your case. 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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