CCI Contract Callers Inc or CCI 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 CCI Contract Callers?
CCI Contract Callers or CCI is a third-party collection agency and accounts receivable management (ARM) company based in Georgia. CCI has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including attempting to collect debts not owed and threatening to take actions that cannot legally be taken. If you have been contacted by this debt collector, make sure you understand your rights before taking action.
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Is CCI Contract Callers a scam?
They’re legit. According to the Better Business Bureau (BBB), CCI Contract Callers, Inc. is a legitimate collection agency originally founded in 1926, then incorporated and started locally in 1981. The BBB established a profile page for CCI in 2014. CCI is listed as a collection agency “that also provides accounts receivable management, call center services, and field services.” CCI uses the alternate business names, Associated Receivable Consultants, and ARC. Buzzfile estimates CCI’s annual revenue at $31 million and the size of its headquarters staff at 60 employees, with an estimated 600 employees across all locations.
According to its website, CCI “is a unique business process outsourcing company, committed to the highest standards of quality, performance, customer service, and compliance.” CCI “provides valuable outsourcing services to a variety of industry verticals via their distinct operating divisions,” which include CCI Call Center Solutions and CCI Utility Field Services.
CCI’s Call Center Solutions include Customer Relationship Management services that provide first-party business process outsourcing for inbound and outbound customer care; welcome calls; tier-one issue resolution; customer win-back and reactivation; peak volume management and overflow support; seasonal and temporary support; chat services; quality first monitoring; back office processing and email management; outbound survey calls and analytics; and technical support. CCI’s First Party Receivables Management Solutions acts “as an extension of… internal call center teams…to assist…clients with a diverse range of first-party ARM services,” including care-to-cure, early state collections, and pre-charge off collections.
CCI’s Third Party Debt Recovery Services use a “positive approach to provide positive results” with early-out programs that “educate… customers and assist them in meeting their obligations”; primary, secondary, and tertiary placement programs that use a “customized, operational approach and strategic account management to improve the effectiveness of collection efforts”; and late stage receivables programs that “target delinquent accounts from one to seven years old and even accounts past their statute of limitations where permitted…utilizing CCI’s technology, RADAR, to increase collections performance and agent productivity.”
CCI utility field services for gas, electric, and water include meter reading and meter servicing; revenue management, including field and commercial collections and repossessions; smart grid upgrading services; and regulatory and safety compliance programs. CCI’s compliance policies include an “extensive quality assurance program that includes call recording and monitoring as well as a revolutionary compliance suite that ensures adherence to business and industry guidelines.” Their Consumers page offers links to several consumer credit resources.
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 CCI Contract Callers?
The BBB has closed 120 complaints against CCI Contract Callers in the preceding 3 years, with 28 complaints closed in the past 12 months. Most Of Those complaints alleged problems with billing and collections. Since July 2015, the Consumer Financial Protection Bureau (CFPB) has closed 21 complaints against CCI. Justia lists at least 11 cases of civil litigation involving CCI.
Can CCI Contract Callers 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 CCI 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!
Complaints against CCI Contract Callers commonly cite problems resulting from disputes about the validity of debts and the accuracy of accounting methods or of information reported to the credit reporting agencies. In April 2018, a complainant indicated that she had been contacted by CCI for a bill for “unauthorized charges that they have pending against her for an amount that is not owed.” She stated that she had been “unaware of these charges pending.” She stated that she had “tried to address this delinquency but never…received any type of information or option to get this matter resolved.” She stated that CCI “has been trying to get $5,060.34 out of her because of another company report, … but CCI has no verification of this debt or amount…owed.” She stated that she doesn’t “think this should be legal to collect something” for which she has not received anything in exchange. She also stated that CCI “refused to present verification of the debt and bill statements,” and that this delinquency has affected her“in other ways.” She asked CCI to remove “these unauthorized charges that were pending for over 5 years and 6 months.”
In another complaint from April 2018, a complainant indicated CCI had reported a delinquent item on her credit report for a paid account for a debt “that was paid to the original contractor.” She also stated that she had “requested debt verification from this company, and they have provided me with none.” She concluded by stating that CCI reported “this collection to all 3 reporting agencies in the midst of her BUYING A HOME and has caused damage to her perfect credit reports.”
Finally, in February 2018, a complainant indicated he had spoken with a CCI representative regarding a delinquent bill for $1,500.00. According to the complainant, he had spoken to a CCI representative about settling the debt for less than the full amount and agreed to “send in a settlement payment of $410.11…to settle the account.” However, “after it was paid, CCI indicated the representative was mistaken and that the complainant needed to pay more.” The complainant stated that CCI “said they recorded the call but could not find the recording.” The complainant stated that he had “recorded the call as well.”
CCI Contract Callers 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 CCI 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.
“Thank you Lemberg Law!!! Harassed non-stop by rude collectors. My attorney was speedy and polite, really knew what she was doing. They took my call, asked what was going on, never interrupted, and were extremely patient. I knew what was going on every step of the way. They got the calls to stop and sent me a check in the mail as promised. I even paid off my debt with the settlement! Ha!.”
“I don’t know if I’d call it a miracle like some of these other people, but whatever it is, they did it right. Exactly what you are looking for in a law firm: professional, polite, and efficient. They know what they are doing, and usually have a check waiting for you at the end. As a professional myself, I know how to spot competence and these guys have it. I recommend Lemberg Law”
“Recommend them highly. Quick to settle my claim, polite, diplomatic, and advocated aggressively on my behalf. Very professional, would gladly use them again.”
“Thank you for standing with me Lemberg Law. I was so afraid I could lose my job because of a caller who called my job number 4 hours straight back to back. He not only harassed and threatened me but also abused workmates who received the call when I wasn’t around. Since I solicited for your services, I’ve had a peace of mind, and I’m happy because of the few dollars I got as a settlement.”
Can You Help Me Delete CCI Contract Callers from My Credit Report?
We can absolutely help. Call us today.
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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.