American Coradius International or ACI is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
What Is American Coradius International?
American Coradius International or ACI, is a third-party collection agency based in Buffalo, NY. ACI has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA) such as failing to provide verification of debts and attempting to collect debts not owed. If you have been contacted by American Coradius International, make sure you understand your rights before taking action.
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Is American Coradius International a scam?
They’re legit. According to the Better Business Bureau (BBB), American Coradius International, Inc. was founded in 1989 and incorporated in 2005.The BBB established a profile page for ACI in 1991, and they have been a BBB-accredited business since 1997. The BBB lists American Coradius International as a collection agency. Buzzfile estimates American Coradius International’s annual revenue at $18.3 million and the size of its headquarters staff at 45 employees, with over 200 employees across all locations.
Who does American Coradius International collect for?
From consumer complaint boards, it seems that American Coradius International might collect debts on behalf of PayPal. ACI employs debt collection tactics like letters, telephone calls, and skip tracing to recover money from consumers.
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.
American Coradius International Collection Agency Complaints
As of August 2020, the Better Business Bureau reported 163 closed American Coradius International complaints in the past 3 years. The BBB provides American Coradius International an A+ rating. Additionally, Justia lists 12 ACI complaints filed in federal court in the past year alleging violations of the Fair Debt Collection Practices Act, and one alleging violations of the Fair Credit Reporting Act. Moreover, the Consumer Financial Protection Bureau (CFPB) lists 40 closed American Coradius International complaints for 2016.
American Coradius International, LLC 2420 Sweet Home Road, #150 Buffalo, NY 14228 Phone Number: 800-759-2241 Website: http://www.acillc.org/
Can American Coradius International 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 ACI 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!
Can I file a lawsuit against American Coradius International at no charge to me?
In 2018, a proposed class action out of New York alleged that American Coradius International LLC violated the Fair Debt Collection Practices Act (FDCPA) by placing two “deceptive” phone calls to a consumer and misrepresenting the man’s right to dispute a debt.
Understanding Your Debt Collection Rights
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).
Consumers have reported this agency harassing them from the following numbers:
Can I sue ACI 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.
“I need to personally thank you and everyone I dealt with at your company for helping to prevent harassment by more than one group service. These agencies were calling my buddy five, six, seven, and even eight times each day, using different names and different telephone numbers. The calls lasted even after my friend told them I did not live there and told them to stop calling him. They would call night and day, Saturdays and Sundays, until I called Lemberg Law.”
“I got my settlement check yesterday. Thank you all for helping me with my debt problem. The past year has been a really demanding one and this check is really going to help. So impressed by Lemberg Law.”
“Seriously! The debt collector kept calling me but would not give me any information regarding the debt that I owed except the sum. They threatened me over and over again and would not stop calling. I hunted on Google for ways to make the calls stop and discovered Lemberg Law. They took my case and found that the debt was too old to accumulate. This firm had ‘bought’ my accounts and expected for me to pay! Guess what? They ended up paying me for each of the harassment they put me through! I was SHOCKED when I received my check. Lemberg Law, you ROCK!”
Can You Help Me Remove American Coradius International from My Credit Report?
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About the Author:
Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.
I receive calls from this company multiple times a day. Recently I went through a situation requiring a lawyer to help me pay off my debt due to my ex-partner not paying their part. I called American Coradius to simply ask for my payoff amount and briefly explained the situation to the representative. I shouldn’t have told him anything because he bombarded me with questions about my situation and questioned why I called a lawyer, why I was involved with my ex, asking about if my ex had assets or money, etc. and asked ridiculous questions about MY situation having NOTHING to do with him. It was very rude and inappropriate and I could not believe he was being so nosey and disrespectful. I quickly told him that was none of his business and hung up.
I have a student loan debt with them and have been making at least the minimum monthly payment without missing a payment for several years now. They call at least 2 times a week and I am unable to take their calls because they call during my work hours- I can not talk to them during work!, and I am unable to talk to them because of their work hours. I work 10 + hrs a day; I am out of the house before they open for business, and am home M-F after they close for the day. My husband who is also part of the debt is in the same situation, he can not take their calls during work hours. Now they are harassing and calling my Son several times a day now, who has nothing to do with this. This is harassment pure and simple. They need to stop calling him. period.
I already reported this company to the Better Business Bureau and the Federal Trade Commission. They have been harassing me with repeated calls stating that they were collecting a delinquent debt. However, I do not have any delinquent debts whatsoever. SCAM/FRAUD!!! Report them to the FTC 202-326-2222
My son is going through a divorce, concerned this may be connected to that.
At least 2 times each week I receive a call stating they are attempting to contact my son concerning a debt that he owes. I do not answer so they always leave a message. I have not discussed this with my son. I do not get involved in his personal business, so these people need to stop calling me.I am in bad health and I do not need this harassment .
This debt collecting company will sometimes call me up to 15 times a day with a variety of numbers and leave messages that aren’t even understandable and they even called my cousin who must be a reference I put down. This is embarrassing and harassment I don’t appreciate. Can you stop their calls? I have blocked most of their numbers but jot all.