Americollect, also known as American Collection Agency 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 Americollect?
AmeriCollect, Inc. (American Collection Agency) is a third-party collection agency based in Wisconsin that specializes in collecting delinquent healthcare bills. ACI has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA), including improper contact or sharing of information and threatening to take actions that cannot legally be taken. If ACI has contacted you about past due collection items, make sure you know your rights before you respond.
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Is Americollect a scam?
They’re legit. According to the Better Business Bureau (BBB), AmeriCollect, Inc. was founded and incorporated in 1964. The BBB established a profile page for ACI in 1997. ACI is listed a collection agency. Buzzfile estimates AmeriCollect’s annual revenue at $21.7 million and the size of its headquarters staff at 50 employees.
According to its website, AmeriCollect “helps patients understand the complexity of healthcare accounts by educating them with trained healthcare collectors on items such as preventative vs. diagnostic treatments or facility vs. physician charges.” ACI states that it “consistently out-collects…competition by doing the unthinkable—treating… patients Ridiculously Nice.”
Who does Americollect collect for?
“Unlike other agencies, AmeriCollect does not collect for credit cards, utilities, or any other businesses outside of healthcare. This enables ACI’s staff to be 100% trained as healthcare collectors from day one.” AmeriCollect’s collection services are comprised of two main divisions: collection services and early out services. ACI’s collection services consist of hospital collections, medical collections, and radiology collections.
ACI’s hospital collection services “started with one hospital in 1964,” and today include over 70 hospitals, “ranging from 10-bed community hospitals to 15-hospital health systems.” Their medical collections division “works with thousands of doctors ranging in size from 1 to 1,500,” including “dental, ophthalmology, radiology, emergency, anesthesia, cardiology, chiropractic, orthopedic, dermatology, neurology, ENT, mental, primary, and multi-specialty.” ACI’s radiology collection division is certified by the Radiology Business Management Association (RBMA) and provides services to “over 70 radiology clients ranging from California to New Jersey.”
ACI’s early out services “maximize…revenue recovery by putting…patients on the phone with highly trained ‘Ridiculously Nice Customer Service Reps’ to reach… patients close to their service date, … discuss…payment options, …and accelerate…cash flow.” These services include phone attempts; email, voice, text, and chat; mailed statement series; certified revenue cycle specialists; and customized reporting.
AmeriCollect’s compliance page states that ACI “meets and maintains all laws and regulations set forth by the governing bodies of debt collection; including, but not limited to”: the Fair Debt Collection Practices Act (FDCPA); the Fair Credit Reporting Act (FCRA); the Federal Trade Commission (FTC); the Consumer Financial Protection Bureau (CFPB); the Telephone Consumer Protection Act (TCPA); the Dodd- Frank Act; Unfair, Deceptive or Abusive Acts or Practices (UDAAP); the Gramm-Leach-Bliley Act (GLBA); Regulation E, United States Code (U.S.C); the Health Insurance Portability and Accountability Act (HIPAA); state specific collection laws; the Service Member’s Civil Relief Act (SCRA); and “U.S Statutes at large.”
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 Americollect?
As of December 2020, the Better Business Bureau reported 122 Americollect complaints over the previous 3 years, including 46 closed complaints over the past 12 months. The BBB provides Americollect an A- rating. Additionally, Justia lists five Americollect complaints filed in federal court in the past year alleging violations of the Fair Debt Collection Practices Act, and two alleging violations of the Fair Credit Reporting Act. Moreover, the Consumer Financial Protection Bureau (CFPB) lists 85 closed Americollect complaints for 2016.
Americollect Inc 1851 S. Alverno Road Manitowoc, WI 54220 Phone Number: 800-838-0100
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely Americollect 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!
Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Can you help me file a No Fee Lawsuit against Americollect?
In 2018, a lawsuit filed by a consumer accused Americollect, Inc. of violating federal and state debt collection law by sending two Milwaukee consumers “misleading” collection letters that allegedly indicated multiple debt balances.
The case argued the letter “misstates the actual balance” because it indicated her remaining balance but also warned that the amount listed “is not valid until the check clears the bank.” The plaintiff says she was “misled, deceived, and confused” as to how much she truly owed after making her partial payment.
Americollect Calling You?
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).
Can I sue Americollect 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.
Consumers have reported this agency harassing them from the following numbers:
“Fantastic!! Thank you so much for all that you have done for me!! Inform Rebecca thank you as well!!”
“I thank you again for keeping me in the loop and just how good your firm has cope with this situation. It might be a little win for them, but this will permit me to meet the aspirations my loved ones and I must chase down some fantasies and offer the best life for our children.”
“I received outstanding professionalism from the own staff. I had a horrible experience when trying to solve a debt. 1 debt collector associate said she would speak to the prosecutor’s office and another representative told me that when I called the office back he would call the police and have me arrested. I had been insulted, mocked, and threatened, and feared that the police would appear at my door any given moment.”
Can You Help Me Delete Americollect from My Credit Report?
We’re delighted to assist. Contact us and let us know what is happening with your 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.