Agency of Credit Control, Inc. (ACC) is a third-party collection agency based in Colorado. ACC has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA), including making false statements and threatening to take actions that cannot legally be taken.If ACC has contacted you about past due collection items, make sure you know your rights before you take action.
The harassing company pays our fees.
They’re legit. According to the Better Business Bureau (BBB), Agency of Credit Control, Inc. was founded and incorporated in 1956. The BBB established a profile page for ACC in 1973, and ACC has been a BBB-accredited business since 2011. ACC is listed as a collection agency. Buzzfile estimates ACC’s annual revenue at$2.1 million and the size of its headquarters staff at 22 employees. In addition, Buzzfile indicates that ACC also operates under the name, Receivables Management Solutions. According to the ACC website, on March 1, 2019, ACC completed a merger with Western Control Services, Inc. (WCS), and that WCS now operates as ACC.
ACC states that it is “one of the oldest and most respected billing and debt collection service providers in the Rocky Mountain region.” ACC also states that it has “dedicated its resources and management staff to the debt collection and outsource industry, and it is this dedication that provides their clients with a level of professionalism and technical expertise unparalleled in the industry.”
Agency of Credit Control collects delinquent debts for a variety of businesses and industries, including medical and healthcare service providers; dental practices; utility service providers; consumer retail lenders; and property management companies.
As a full-service collection agency, ACC provides a range of collection services, including automated recovery technology; “effective management of payment arrangements”; skip tracing; full credit reporting for delinquent bills not paid within 30 days; litigation services “in support of its Account Recovery Program, working with… associate attorneys, as the agent to coordinate… activities”; and continuing education and training seminars for their clients.
The ACC website does not include any detailed information about its regulatory compliance policies. The site is client-facing. The resources tab on the home page leads to a page with collection industry information aimed at businesses and collection agencies. There are no 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 June 2019, the BBB has closed 8 complaints against Agency of Credit Control in the past 3 years, with 4 complaints closed in the previous 12 months. All of those complaints alleged problems with billing and collections.Since March 2015, the Consumer Financial Protection Bureau (CFPB) has closed 15 complaints against ACC. Justia lists at least 1 case of civil litigation involving ACC.
Agency of Credit Control, Inc.
2014 S. Pontiac Way
Denver, CO80224-2412
Telephone: (303) 757-5147
Website: http://www.getitpaid.com/
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely ACC 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. Here are some Sample Complaints
Complaints against Agency of Credit Control cite problems resulting from disputes about the accuracy of information reported to the credit reporting agencies, and allegations of extremely aggressive and non-responsive collectors. In February 2017, a complainant stated that an ACC representative had contacted her to discuss a delinquent account. According to the complainant, she “discussed with the collector her situation and that she was able to make $100 a month in payments.” Allegedly, the collector told her that she “would be able to make those” payments, and the complainant agreed to pay “$50 every two weeks.” At that point, the ACC representative allegedly told the complainant that she “would need to provide the routing …and account number” for her checking account, but the complainant was reluctant to trust them with the information. In addition, she had been out of work and wasn’t going to be paid for a week, so she told them she would call back then. The complainant said she “called back as promised,” but the representative she had spoken with was not in. She said she “tried to provide the payment to another collector,” but this collector told her that her “payment was not acceptable. Two weeks later, she was served with a summons.”
The complainant said she checked the reviews, and according to the majority of complaints, “this is standard practice for ACC.” She said she tried to call again, but “they are just no help.” The ACC representative she had spoken with allegedly told her that she “could pay a payment of $600, and that would possibly make her payments less, but that’s all they could do.” The complainant stated that reviews of Agency of Credit Control indicate that they are great for the companies they collect for, “but not for the people they collect from.” She said she didn’t deny that she owed the money “and…would have paid,” but she had been “out of work for a year and a half caring for her boyfriend…and had no way of paying.” She said that ACC “knew this, … would not accept the $100, but instead tacked on attorney fees and court costs.”
In its response, ACC denied all allegations and stated that their response was appropriate because the complainant had resisted all earlier efforts to collect the delinquent bill. The complainant responded, again insisting that she had not denied owing the money, and that she had already paid over $4,000, but because she had been out of work for so long, she did not have the means to pay. She questioned why ACC was unwilling to accept the payments she had offered and argued that filing a case in civil court was an unnecessary and inappropriate response. She also said that she had declined to given ACC her bank information because they had established a record of ruthlessness with people in positions similar to hers and complained that ACC had refused to address any of her concerns directly. ACC responded by stating, “As previously stated, the person making this complaint is not our customer and the complaint is not valid.”
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).
But here’s the rub: If you want to enforce your rights, or recover money for violations — you need to sue. These 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…
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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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The collector verbally harassed me to the point of tears. They sent me a bill in September, for 322.93, which I paid in full once I got paid in October. They are now calling me saying I owe an additional 61.45. They cannot explain why the initial bill was incorrect. They keep saying there was 350 in principal, plus interest, but the bill I received stated otherwise. The man was very demeaning and refused to let me even speak to try to figure out what happened. He raised his voice, yelling at me, and accusing me off talking over him while he was getting to explain to me what interest was (I have an MBA, pretty sure I understand interest). They still have not answered my question about why the bill I paid was incorrect.