Action Recovery Online 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.
Action Recovery Online is a debt collections agency based in Phoenix, Arizona. It appears as though there are a variety of different complaints against Action Recovery Online alleging violations of the Fair Debt Collection Practices Act (FDCPA) including charging consumers with invalidated debt and harassing consumers with profane language and threats. 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. Action Recovery Online has been in the collections business for 4 years. While this may not be a long time period in the collections business, Action Recovery Online has also been BBB accredited and given a “A” rating by the Better Business Bureau. Therefore, it is important that you do not ignore the need to resolve your alleged debt with Action Recovery Online, as this would be very unwise and harm your credit and ability to take out future loans. In respect to the company’s timeline, Action Recovery Online was started on November 10th, 2016 and was incorporated on August 12th, 2016. Additionally, Action Recovery Online was accredited by the BBB on March 13th, 2018. According to Action Recovery Online’s website, the company is a “professional” debt collection business who “strives for excellence” when collecting on outstanding debt. The company also explains on their website that Action Recovery Online provides unmatched service and “tailors” their collections technique to specific businesses. Many complainants across the website feels as though they have not provided debtors the same care and professionalism as their clients.
In regard to the collection company’s size, according to dnb.com the company has an employee base of 8 people and a revenue of $120,649. Lastly, according to the Better Business Bureau, the leadership of the company is headed by James Kieffer and Norman W Kieffer.
Action Recovery Online writes on their website that the business has experience within the following areas of collections: Medical Collection, Dental Office Collection, Funeral Home Debt Collection, Daycare Debt Collection, HVAC Contractors & Utility Debt Collection.
The company explains on their website that the purpose of their business is to, “honor the relationships that clients have with patients” and utilize a, “do no harm” approach. The company additionally claims that they have helped hundreds of doctors and dentists collect on past due accounts. According to the company’s LinkedIn page, Action Recovery Online maintains, “a success rate 4 times the industry average” and, “consistently outperforms the traditional collection agency”. With a diversified background in collections, Action Recovery Online becomes a force in the collections industry. While this may be beneficial for the company, it is important that as a consumer you confirm with the collections company about what debt is specifically owed and to whom. 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. Action Recovery Online considers themselves to be a company that will always treat the consumer with dignity and maintain the highest level of integrity and professionalism within the workplace. If you find that this is not the same quality of service that you have been provided, be sure to read up on your FDCPA rights after being contacted by this collections agency.
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.
Action Recovery Online has received a number of complaints across the internet, including the well established, BBB.org. Though Action Recovery Online has been accredited by the BBB and has received an “A” rating, there are still a number of complaints posted about Action Recovery Online on the BBB. Action Recovery Online has received 4 complaints closed in last 3 years and 1 complaint closed in last 12 months on the BBB website. Action Recovery Online has responded to every complaint posted on the BBB, but the angry sentiments of consumers and the similarity in complaints has made many debtors question Action Recovery Online’s professionalism, ethics, and integrity.
On top of these negative reviews and complaints on the BBB, there were additional reviews of Action Recovery Online on Google Reviews. These five reviews surprisingly awarded the collections company with a 4.2 star rating, starkly different from the two reviews and additional complaints posted on the BBB. More seriously, Action Recovery Online 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.
Remember that it is illegal for a collections company to make empty threats to sue you or garnish your wages. While Action Recovery Online would most likely choose not to sue if they cannot verify your debt or you may not owe said debt, this may not occur under other circumstances. Ultimately, it is not uncommon for debt collection agencies to summon debtors to court and garnish wages after a default judgement. Because of this possibility, it is important that if you find yourself in a similar situation, you choose to sue and attain legal advice. The wisest option in this case would be 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:
After a complainant pulled their credit report, they noticed that they were in collections with Action Recovery Online. The complainant never recieved any notification of the collection through mail or phone. Because this was suspicious to the complainant, they decided called to call Action Recovery Online to inquire about this debt. The complainant was later advised that, “the money due was from a doctor’s visit in 2012”. The representative of the collections company was rude to the complainant and refused to provide the complainant with any additional information, pushing the complainant to pay off the account. Eventually, the complainant called the doctor’s office where the debt was allegedly owed and the office notified the complainant that they did not have a balance and that they did not use this collection agency. The complainant called Action Recovery Online again to explain that their doctor’s office states that they are not in collections and that they do not use this company. The complainant asked the employee of Action Recovery Online to call the doctor’s office to verify and never received a call back. The complainant then called Action Recovery Online again a week later, “asking for them to send validated proof of the debt owed” and the complainant was told that they had no information on the matter. The complainant also sent 2 written letters to the collection company, “asking for validated proof of the debt with no answer”. The company insists that the complainant owes this money but does not offer proof of the alleged debt.
The Fair Debt Collection Practices Act protects citizen like you from the abuses and misconduct of collection agencies, read up on your rights to learn to protect yourself from unethical collections practices. You can find these rights listed on the Federal Trade Commission’s website under, “Debt Collection FAQs”. Do not forget that you also have additional rights other than those listed under the FDCPA. These supplementary rights include those enumerated in the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
Yes, you can sue Action Recovery Online if you feel as though your FDCPA rights have been breached. Ideally, if you would like to be able to recover your damages and protect yourself as an individual, you should sue. Utilize the Federal laws that protect citizens like you from these fraudulent practices. Suing gives individuals the power to defend their rights and protect their assets. Individuals like you can recover damages of up to $1,000, plus attorney fees and court costs.
You may have a case, if…
“Lemberg Law sued a couple of companies for me that were calling me for someone else’s debt, another unauthorized caller, no long dragged out court case, the case was settled less than a few months, I’m very satisfied, thanks Lemberg Law.”
“I had received continual phone calls from a debt collector on my cell phone and I installed the Legal call blocker and Lemberg Law contacted me and they took care of it for me without expenses to me. They simply took the money out of the settlement.”
“I called Lemberg law to handle an overly aggressive debt collector who constantly violated the Fair Debt Collection Practices Act. I was very pleased with what Jody Burton got for me. Not only did she settle my case but now this collection agency can no longer harass me. Thank you.”
Yes, we would love to assist you with 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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