Associated Credit Services ACS Collections Complaints?

We help consumers who have complaints about collection harassment.

Updated on Author: Sergei Lemberg

Updated on Author: Sergei Lemberg

Associated Credit Services ACS
Associated Credit Services Inc or ACS 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 Associated Credit Services?

Associated Credit Services or ACS is an Accounts Receivable Management company based in Massachusetts that specializes in third-party debt collection. ACS has received consumer complaints alleging serious violations of the Fair Debt Collection Practices Act (FDCPA), including misrepresentation and threatening to take actions that cannot legally be taken. If you have been contacted by ACS, make sure you understand your rights before responding.

Have questions? Call us now at 475-277-1600 for a Free Case Evaluation.

Our services are absolutely FREE to you.

The harassing company pays our fees.

Is Associated Credit Services a scam?

They’re legit. According to the Better Business Bureau (BBB), Associated Credit Services, Inc. was founded in 1969 and incorporated in 1971. The BBB established ACS’ profile page in 1973. The BBB lists ACS as a collection agency. Buzzfile estimates Associated Credit Services’ annual revenue at $3.1 million with a staff 22 employees at its headquarters.

According to its website, Associated Credit Services “provides assistance regarding consumers’ accounts, placement activity, interest calculations and adjustments, recovery performance, monthly reporting, remittance support, and so much more.” In addition, ACS “is dedicated to serving the very specific needs of…clients with an unparalleled commitment to customer service…and programs tailored to exceed…goals and requirements.”

Who does Associated Credit Services collect for?

Associated Credit Services “services a national client base across a wide verity of industries, including commercial and non-commercial financial institutions (auto deficiencies, overdraft, consumer loans, DDA, etc.), consumer credit card servicers, credit unions, public utilities, healthcare and insurance providers, corporate business organizations, and higher education institutions.”

The Associated Credit Services website does not provide a lot of detailed information about its business practices. Instead, they indicate that their “technological capabilities…and dedication to advanced technology” are used to ensure their “staff of recovery specialists are professionally trained using the most up to date ACA training software available.” ACS employs an “approach to recovery though consumer education… to create a win-win situation for clients and consumers.”

Associated Credit Services’ Disclosure and Privacy Policy page provides mandated information privacy disclosures. References and links to consumer protection regulations and state-specific disclosures can be found by clicking on the Make a Payment tab, then scrolling down to the bottom of the page, where a Consumer Disclosure link appears in small print.

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 Associated Credit Services – ACS?

As of December 2017, the Better Business Bureau (BBB) has closed 28 complaints against Associated Credit Services in the preceding 3 years, with 11 closed in the past 12 months. Most of those complaints allege problems with billing and collections. As of March 2015, the Consumer Financial Protection Bureau (CFPB) has received 21 complaints about ACS. Justia lists at least 6 cases of civil litigation involving ACS.

Contact Information

Associated Credit Services, Inc.
PO Box 5171
Westborough, MA 01581
Telephone: (800) 962-9898

Can Associated Credit Services 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 ACS 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!

Get Free BBB A+ Attorney. Call 475-277-1600 NOW

Unlawful Debt Harassment? Learn the Law & Sue the Collector.

Can you help me file a No Fee Lawsuit against Associated Credit Services?

Absolutely. You can sue a debt collector. Here are some Sample Complaints

In May 2018, in United States District Court, Eastern District of Washington, a judge issued an Order in a case alleging violations of the Fair Debt Collection Practices Act (FDCPA), the Washington Consumer Protection Act (WCPA), and the Washington Collection Agency Act (WCAA). In this case, the plaintiffs filed a complaint alleging that an attorney employed by Associated Credit Services had “misrepresented information in writs of garnishment, which allowed ACS to unlawfully garnish the plaintiffs’ exempt property in violation of the FDCPA.” The plaintiffs alleged that this misconduct also violated the WCAA and the WCPA. Specifically, ACS, through its attorney, garnished “all available funds…from the plaintiffs’ respective bank accounts to repay consumer debts, pursuant to a writ of garnishment filed by” ACS. The writs were executed based on “declarations on behalf of Associated Credit Services in support of each writ application and asserted that Associated Credit Services had ‘reason to believe’ that the plaintiffs’ property ‘was not exempt under Washington or federal law.’” The plaintiffs contended that ACS’ attorney was acting as a “‘robo-signer’ who signs numerous writ applications without any reason to believe the veracity of the statements he makes.” The plaintiffs cited “notices of exemption rights to the plaintiffs post-garnishment that contained materially false and misleading information concerning the plaintiffs’ respective cash exemption rights,” which resulted in the release of “their respective writs of garnishment and…some or all of the garnished money.”

The May 2017 hearing was held to determine whether the case brought by the plaintiffs met with the qualifications to qualify for certification as a class action lawsuit. Class action certification requires that the plaintiffs prove that there are enough members of the proposed class of injured parties to constitute cause for class action; that the injury in all the cases is common to each member; that the defenses against the claims are typical across the class; and that representation for the proposed class is adequate. Although the plaintiffs met the qualifications for class certification for the final three considerations, they had not submitted enough evidence to prove numerosity—that a sufficient number of residents of Washington state had suffered the same injury by Associated Credit Services—to qualify the case as a class action. As a result, although the charges themselves were not dismissed, and class certification was not granted at the hearing, the matter was dismissed without prejudice, allowing the plaintiffs another opportunity to provide evidence of numerosity at a later date.

Associated Credit Services ACS 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 ACS 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.

Want to Stop 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

What Our Clients are Saying

“We realize that ours is just one small case among many – and many more serious – but are heartened by the fact that you accepted it and represented us with a professionalism that belied the small dollar amount.”

“If you are unsure about this company…DONT BE!!! They are for real when they say they are here to help you. It only takes a few short minutes of your time to talk to a rep. I was a skeptic, but you did everything you said you would! I can’t say thank you enough!”

”Lemberg Law has saved me from the endless calls, and harassing voicemails. They really do go to bat for you. I didn’t know that debt collection agencies can end up paying your legal bill. What a surprise, to receive free legal help. I’m very grateful for all the hard work they did to finally give me my life back.”

“I won’t be afraid to contact you or recommend your services to others for debt collection difficulties. Please keep up the outstanding work you do, and again, thank you for helping me through this challenging time. I am most grateful.”

Can You Help Me Delete Associated Credit Services ACS from My Credit Report?

We can absolutely help. Call us today.

Share your story

Have you had a bad experience with this agency’s debt collectors? Sound off and share your experience with other visitors in the comment box below.

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."

See more posts from Sergei Lemberg
  • Christina I

    ACS calls from multiple numbers. They have called family and left multiple voice mails. They are threatening court summons. They are also saying I am going to be sued. Calling me while I’m at work. They refused to send me any information about their agency or the debts. They call all times of the days leaving threatening messages.

  • Norman B

    Sick of ACS calling multiple times a day with different numbers

  • Joanne P

    ACS is threatening me. They tried to deliver a Summons but I no longer live at the address they had. They are nasty. I tried to ask for a letter to validate the debt- they refused. When I said I have rights they said they will not discuss the fair debt collections act and I am a criminal. How do I stop this?? I live in Florida

  • Griffin

    ACS is attempting to collect a debt on behalf of Suntrust Bank for $1,000. Number one, I do not have that kind of money to pay them, but I was wondering if I were to start paying in small increments, will that inhibit them from reporting anything negative on my Credit Report? Currently, they are not reporting anything, but I need to avoid it at all costs.

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