FrontLine Asset Strategies LLC or FAS 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 FrontLine Asset Strategies?
FrontLine Asset Strategies or FAS is a third-party collection agency based in Minnesota. FAS has received complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including attempting to collect debts not owed and improper contact or sharing of information. If you have been contacted by Frontline Asset Strategies, make sure you understand your rights before responding.
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Is FrontLine Asset Strategies a scam?
They’re legit. According to the Better Business Bureau (BBB), Frontline Asset Strategies, LLC is a legitimate collection agency incorporated in August 2008 and started in November 2008. The BBB established FAS’s profile page in December 2008. FAS is listed as a collection agency and judgement recovery service. Buzzfile estimates FAS’s annual revenue at $350,000 and the size of its headquarters staff at 2 employees.
According to its website, FAS“makes a difference with consumer-focused, compliance-based collection and call center services.” FAS is “dedicated to helping consumers and clients…by creating relationships, challenging and rewarding great employees, and continuously investing in them and technology to enhance…services beyond best-in-class as one team.” FAS’s mission is “to provide positive experiences, services, and solutions to improve the welfare of consumers, clients, and employees.”
Who does FrontLine Asset Strategies collect for?
Frontline Asset Strategies provides third-party collection services and first-party business process outsourcing services for many different types of accounts. Creditors include lenders in the “auto, bank, credit card, debt buyer, education, mortgage, and utility” industries. FAS advertises “aligned resources focused on delivering results clients and… consumers deserve.” For example, FAS employs “technology-enabled ‘strategies’ based on consumer behavior and regulatory and client requirements,” including“company-wide 24×7 video monitoring, recording, electronic key card access, and SOC 3 certified data centers.” In addition, FAS’s collection staff utilizes “tools far beyond phone calls and a scattergun of outdated letters.”
Frontline Asset Strategies’ Consumer Info page includes links to the Federal Trade Commission (FTC) website; the Fair Debt Collection Practices Act (FDCPA); the Fair Credit Reporting Act (FCRA); the Consumer Financial Protection Bureau (CFPB); and contact information for their compliance officer.
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 FrontLine Asset Strategies – FAS?
The BBB has closed 34 complaints against Frontline Asset Strategies in the past three years, with 5 complaints closed in the previous 12 months. Complaints are fairly evenly split between those alleging problems with billing and collections and those alleging problems with advertising and sales. As of May 2015, the Consumer Financial Protection Bureau (CFPB) has closed 16 complaints against FAS. Justia lists at least 7 cases of civil litigation involving Frontline Asset Strategies.
Can FrontLine Asset Strategies 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 FAS 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 about Frontline Asset Strategies commonly cite problems resulting from calls to incorrect phone numbers and fraudulent or inaccurate account information. For example, in August 2017, a complainant indicated his daughter had been receiving phone calls from FAS representatives, even though his daughter is under the age of 18 and had placed her number on the national Do Not Call list. The calls to her number had allegedly been placed over a two-year period. In response, FAS representatives indicated they would cease all phone contact with the number in question. Although the complainant accepted the response as a resolution, he added an additional comment that despite FAS’s assurances that no further calls would be made, his daughter had received another call from FAS.
In February 2017, a complainant indicated she had received a collection letter for an account she had never opened. The delinquency had been reported to the credit reporting agencies and was preventing approval for a loan application. When she contacted FAS, the representatives were allegedly “very rude and disrespectful.” In response, FAS indicated that their records showed that the complainant had previously set up a payment arrangement, but later called back to tell FAS that the account was not hers. FAS countered her assertion that she had no knowledge of the account with “a statement…which shows the last payment on this account.” Frontline Asset Strategies also indicated that they do not furnish information to the credit reporting agencies. The complainant’s rebuttal indicated that she had “not talked to this company about a payment plan or anything,” but only found out about the delinquency when she “got a credit report from a car dealer, which is how she knew the info was from” FAS. In addition, she indicated that she had “not talked to them but…once and the guy was rude.” She repeated that she had never had a credit card with the department store named in the account, and that her Social Security Number “is tied up with this account along with two other” Social Security Numbers. Frontline Asset Strategies replied to her rebuttal by telling her they had mailed her a fraud packet and restating that FAS does not provide information to the credit reporting agencies.
FrontLine Asset Strategies FAS 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 FrontLine Asset Strategies 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.
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“Prior to contacting you, we had tried repeatedly to handle this matter without threatening litigation. In the end, not only were they unapologetic, but they were dismissive – even of an attorney friend who called on our behalf. Sincerest thanks for resolving this matter for us!”
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Can You Help Me Delete FrontLine Asset Strategies FAS 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.