American Collection Services Collections Complaints?

We help consumers who have complaints about collection harassment.

Updated on Author: Sergei Lemberg

Updated on Author: Sergei Lemberg

American Collection Services

American Collection Services is a debt collection firm 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.

What is American Collection Services?

American Collection Services is a debt collection business based in Oklahoma City, Oklahoma. It appears as though there are a variety of different complaints against American Collection Services alleging violations of the Fair Debt Collection Practices Act (FDCPA) such as, threatening debtors and illegitimately reporting debt. If you have been contacted by this debt collector, make sure you understand your rights before taking action.

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Is American Collection Services a scam?

They’re legit. American Collection Services has been in the collections business for 15 years. The company was originally started on September 2nd, 2005 and opened its Better Business Bureau account on the same date. American Collection Services has not been accredited by the BBB, however it has received an “A+” rating from the BBB. Due to the company’s years in service and its outstanding rating from the BBB, it is clear that this business is not a scam. Therefore, the debt which you may have been contacted about is real, and needs to be dealt with. Though it is necessary to resolve this discrepancy, it is still possible that American Collection Services may be in violation of the FDCPA. While it is important that you do not ignore the need to resolve your alleged debt with American Collection Services, as this could potentially harm your credit and ability to take out future loans, be wary of any suspicious activity where the company could potentially be violating the FDCPA.

According to the collection company’s website, American Collection Services explains that, “American Collections Services has one simple goal…exceeding our clients needs and expectations. We believe it’s our responsibility to transcend your expectations, anticipate error prevention procedures, and ensure that you are satisfied with our services. Our staff of highly trained credit specialists solely focus on providing highly effective recovery and excellent customer service”. Some complainants feel as though they were not provided this so called “excellent customer service”. American Collection Services is also a part of ACA International, the HFMA, and NPECA.

Lastly, the collections company has an employee base of 5 and an annual revenue of $1 million, according to The leadership of American Collection Servies according to the BBB consists of Associate Louis Littlejohn.

Who does American Collection Services collect for?

American Collection Services does not explain who they specifically collect for or which area of collections they specialize in. Because of this it is very 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.

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 American Collection Services?

There are a few reviews and complaints currently posted about American Collection Services. On the BBB, American Collection Services has received 8 complaints closed in the last 3 years and 5 complaints closed in the last 12 months.  The BBB also awarded the collection company 1 star based off of a single customer review. American Collection Services has responded to the majority of these complaints, however the frequency of said complaints and the similarity between issues awards American Collection Services a less than glowing review.

In addition to theses reviews and complaints on the BBB, American Collection Services has also received 43 Google Reviews amounting to an overall 2.6 star review. The collections company could have also been a part of more 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.

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Can American Collection Services Sue Me or Garnish My Wages?

Remember that it is illegal for American Collection Services to make empty threats to sue you or garnish your wages. A collections company will likely choose not to sue if they cannot verify your debt or you may not owe said debt. However, these companies can still summon debtors to court and garnish wages after a default judgement. If you find that American Collection Services may have violated the FDCPA, the wisest course of action would be to hire legal aid. 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.

Can you help me file a No Fee Lawsuit against American Collection Services?

Absolutely. You can sue a debt collector. Here is a sample complaint:

A complainant explains that American Collection Services was trying to collect on the complainant’s medical bills. Some of these bills have in fact, already been paid. The complainant then called American Collection Services, “To explain that the bills that they have are in error and that the bills need to be sent back to the corresponding health care provider to be re-submitted to the health insurance company, Meritain”. The complainant also claims that some of these bills, have actually been paid by the complainant’s health insurance company and these accounts need to be removed from collection. The employee of American Collection Services that the complainant spoke to asked for health insurance information and the complainant felt as though this was a violation of HIPPA. After becoming suspicious of this demand, the complainant then asked the employee for his name to which he responded, “good luck” and then hung up the phone. The representative also allegedly claimed that the complainant’s accounts totaled over $3,000, but the only letter that the complainant received was for an amount of $48.55.

American Collection Services Calling You?

The Fair Debt Collection Practices Act protects citizens like you against the abuses and misconduct of collection agencies. If you find that you have become a victim of illegal collections practices, read up on your FDCPA 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).

Can I sue American Collection Services for harassment?

Yes you are able to sue American Collection Services and if you feel as though your FDCPA rights have been breached, suing is the best course of resolution. In order to recover your damages and protect yourself as an individual, you should sue and utilize the Federal laws that protect citizens like you from these fraudulent practices. Award yourself the power to defend your rights and protect your assets. Individuals like you can recover damages of up to $1,000, plus attorney fees and court costs.

Want to Stop American Collection Services 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

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Can You Help Me Delete American Collection Services from My Credit Report?

Yes, we love to assist you with your case. Call us today.

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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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