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.
The harassing company pays our fees.
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.”
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 In addition, FAS’s collection staff utilizes “tools far beyond phone calls and a scattergun of outdated letters.”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.
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.
Frontline Asset Strategies, LLC
2700 Snelling Ave. N., Suite 250
Roseville, MN 55113
Telephone: (877) 258-1590
Website: https://frontlineas.com/
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!
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Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Absolutely. You can sue a debt collector. Here are some Sample Complaints
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.
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).
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.
You may have a case, if…
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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."
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I was checking my credit report and I noticed that this company is reporting an account that I absolutely have no knowledge of and this company never gave me any kind of forewarning or tried to contact me for anything. I just saw they put this on my credit report
I just received as far as I know the first call from them and when I asked what the cause bad they wouldn’t tell me they wanted me to verify my social security number and my birth date and I refuse to do that I said I don’t know who you are and the lady said well I already have it your birthday is…. And I said no you’re wrong even though she was right and she said will give me your social security number and I said no and I said what’s its call about and she said I choose to end this college you hang up on me so the concern I was having with who are they and also I was looking at the phone number that I found for them on this side another’s and it’s always 800 or long-distance number they called me from a local number here in Oregon so I was curious if they’re in Oregon or if they’re figure out a way to use a local number
This company keeps calling my work. The guy on the phone is rude and just down right nasty. They try to bully their way through me every single time they call. They try to get information out of anyone that gets on the phone with them meanwhile being rude and nasty the entire time. I have asked them to not call anymore. We’ll see if they continue.