Automated Collection Services or ACSI 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 Automated Collection Services ACSI?
Automated Collection Services , Inc. or ACSI is a third-party collection agencybased in Tennessee. ACSI has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA) such as failure to verify debts.If you have been contacted by ACSI, make sure you understand your rights before responding.
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Is Automated Collection Services ACSI a scam?
They’re legit. According to the Better Business Bureau (BBB), Automated Collection Services, Inc. is a legitimate collection agency, founded and incorporated in Tennessee in 1988, and is currently headquartered in Nashville. The BBB established its profile page for ACSI in 1990. Buzzfile estimates Automated Collection Services’ annual revenue at $18 million and the size of its staff at 198 people.
ACSI’s mission is to “invest in its commitment, culture, leadership, sponsorship, and participation for the purpose of providing our clients with the benefits of superior performance, a collaborative and productive relationship, and real-world accomplishments that matter to our clients and their success.” Originally an Accounts Receivables Management (ARM) company servicing local retailers, ACSI soon began offering its services to healthcare providers. Success in healthcare collection led to clients in higher education and eventually government and financial markets. ACSI transitioned from small business to large business during the early 2000s.
Who does Automated Collection Services ACSI collect for?
Currently, ACSI offers full-service third-party collections for education; state and municipal government; large and small healthcare providers; and private finance including financial institutions, debt buyers, and retailers. ACSI’s education division includes repayment, consolidation, and rehabilitation programs as well as cohort management and administrative wage garnishment for federal, institutional, and private student debt. Their healthcare division addresses self-pay, managed healthcare reimbursement, and third-party billing follow-up.
ACSI cites its free financial literacy education program as one of its strengths. The BBB includes a statement of Additional Information indicating that the BBB has met with the management of ACSI “as a means to assist them with educating consumers and debtors on responding to debt collection attempts [and to ensure] consumers…understand their rights under the Fair Debt Collection Practices Act.” Consumer resources on ACSI’s website include links to information about student loans and a link to the Internal Revenue Service website, and can be found by hovering the mouse over the Contact tab and selecting, “Consumer Contacts.”
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 Automated Collection Services ACSI?
The BBB has closed 20 complaints against ACSI in the past three years, with 5 closed in the past 12 months. Most of the complaints allege problems with billing and collection issues. Since March 2015, the Consumer Financial Protection Bureau (CFPB) has received 4 complaints against ACSI alleging problems in “dealing with the lender or servicer.” Justia lists a case of civil litigation in which ACSI was named as a co-plaintiff.
Can Automated Collection 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 ACSI 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!
In August 2016, in the United States Court of Federal Claims, a judge ruled on Motions for Judgement on the Administrative Record. Collection agencies view Department of Education contracts as “‘the most sought-after contract within this industry’ because of the ever-increasing volume of student loan debt that is extremely difficult to discharge in bankruptcy.” This case involved a dispute about the process for awarding these contracts through the General Accountability Office (GAO) and the Department of Education (ED). In this case, ED requested proposals for the award of “multiple Indefinite-Delivery, Indefinite-Quantity (‘IDIQ’) contracts to collect defaulted student loans” to qualifying third-party collection agencies in December 2015. Qualifying agencies were to be evaluated on the basis of three factors: Past Performance (Factor 1); Management Approach (Factor 2); and Small Business Participation Plan (Factor 3). Automated Collection Services submitted a proposal according to the guidelines but was not offered a contract in this round of bids. Subsequently, along with 21 other unsuccessful bidders, ACSI filed a protest with the GAO. In March 2017, the GAO sustained the protests, citing unreasonable evaluation by ED of Factors 1 and 2. In May 2017, ED announced its decision to take corrective action by revising aspects of the Solicitation with regard to Factors 1 and 2, initially with no changes regarding commitments to small business contractors, but then to re-open the competitive bid process entirely. Revised small business plans from all offers would be reevaluated, and ED would be able to consider all three factors of the revised proposals.
In June 2017, ACSI filed a bid protest complaint citing ED’s corrective action as “arbitrary, capricious…an abuse of discretion, and otherwise contrary to federal law,” and enjoining ED from “considering revised small business participation plans in connection with the corrective action and a new award decision.” The government’s Motion to Dismiss ACSI’s complaint argued that “ACSI does not have standing to challenge ED’s proposed corrective action to allow all potential offers to provide updates regarding small business participation.” Ultimately, the judge in this case decided that “ED should be entitled to take corrective action to address both the deficiencies identified by the March 27, 2017 GAO decision and new information brought to the attention of ED” and denied ACSI’s Motion for Judgement.
Automated Collection Services ACSI 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 ACSI 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.
“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.”
Can You Help Me Delete Automated Collection Services ACSI 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.