ComplaintsforAdvanced Capital Solutions, Inc.

• Initial Complaint

  10/31/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I received an email from advanced capital solutions of a debt that was owed upon further investigating after paying them monthly payments to pay off my reflex/ celtic credit card, i recently found that i had already paid this credit card off through another collection service on June 18, 2021. I have attached that proof and the following emails from advanced capital solutions.

  Business response

  10/31/2023

  We have reviewed this consumers concerns and after reviewing the paid letter she included in the complaint we are issuing a full refund on her account.  We were never made aware that she had paid this previously.  We will make the client aware of the situation.  

  Customer response

  11/01/2023

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

  Better Business Bureau:

  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait until for the business to perform this action and, if it does, will consider this complaint resolved.

  Regards,

  ******* *****

• Initial Complaint

  10/24/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I received a phone call on October 23rd at 1:34 PM EST from ************* This is only one of the hundreds of deceptive phone numbers that this company uses to try and appear like a local caller. They left this voice message, "This messages is for Chris *********. We are the offices of Advanced Capital Solutions. We need to speak with Mr. ********* today regarding a financial matter that we have with him in our office. Our correct contact number is ************. Thank you." I have no intent to pay or callback a call center filled with rude employees that would make threatening remarks about a supposedly "time sensitive" matter to try and get me to pay an alleged debt that I do not owe. I demand to see physical evidence of whatever alleged debt that they are trying to collect sent only via **** and NOT via email. I will then forward this information to my consumer protection attorney for review.

  Business response

  10/24/2023

  Hello - We do have an account that was placed for recovery in our offices associated with this consumers information which was provided by them in this complaint.  It needs to be noted that every phone number we call from we own and rings back into our offices.  Outside of a voicemail being left with the consumer we do not show any other phone calls in which actual contact was made with this consumer.  This being said, we are a little confused as to how the consumer feels as if our agent could have been rude with them.  Our stance with regards to this accusation is that it is false.  Per this consumers request we have requested original documentation from our client for the consumers review.  Once we receive this we will mail the documents to this consumer to the mailing address provided within this complaint.  We encourage the documents are received we encourage the consumer to contact us to discuss.  In the mean time we have placed the account into a cease status so they do not receive any further communication from us by phone or email.  

• Initial Complaint

  10/02/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I have paid all of my payments through my checking account. I tried calling there today and received a answering machine to leave a message. I made a payment to pay off the account on September 22, 2023 for the settlement amount it has yet to be taken out of my bank account nor has it been debited out of my checking account. I received an email stating they had not received a payment. Upon further reviewing I have seen that their reviews are not good from others and that this debt collection company is a scam. I would like to have a resolution in this matter so that I'm not charged for the payoff amount that I already paid among with the other payments that were scheduled and have now disappeared off of the account page.

  Business response

  10/03/2023

  We have since spoken to this consumer.  There was a misunderstanding regarding her account and this has been cleared up with the consumer.  This being said, our stance regarding this complaint is that it has been rectified with the consumer to a satisfactory level.  

  Customer response

  10/03/2023

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

  Better Business Bureau:

  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait until for the business to perform this action and, if it does, will consider this complaint resolved.

  Regards,

  ******* *****

• Initial Complaint

  09/29/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Company claims i owe a debt that i do not owe. Sent them a debt validation and cease and desist. Please see attached documents.

  Business response

  09/29/2023

  We do have an account associated with this consumers name that was placed with our offices for recovery.  Per her request for VOD and cease and desist request, we have closed the account down in our system and requested the original documents from our client which we will email to her once received.  Once the consumer receives them we would encourage her to contact our offices to discuss further.  

• Initial Complaint

  07/18/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Business claims to have agreed to a debt settlement. Over the last 45 days the business has refused all phone calls, all phone calls to any phone number reach a voicemail with no menu to be found. Any time of day. There is no way to contact. I have emailed and messaged to no avail. The attached photos show that they agreed to a settlement. I paid the agreed payments which equalled more than the total. They still claim a remaining balance, and do not respond to any form of contact. I believe this to be a fraudulent settlement claim and that they are obfuscating their true contact info to prevent people from successfully settling their debt, leaving them in a perpetual state of late fees and payments.

  Business response

  07/18/2023

  We spoke to this consumer on 7/17/2023 regarding his account (It appears shortly after this complaint was filed)  HIs concerns were addressed along with a settled in full letter that was emailed to the email address on file.  It is our understanding that this consumer understands that his account is considered paid and closed with our company.  Should he have any additional questions he can contact our offices via phone or email.

• Initial Complaint

  06/28/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I have received a few phone calls from this company. The voicemails left are a pre-recorded male voice. I decided to call the ************ number back this afternoon and a man answered. I told him I believe they have my number on someone’s account. The man asks if my name is Jennifer and I said yes. He told me that there is some collection from **** ******** ******* ***** for a Circuit that I purchased! Ha ha ha, I thought it was hilarious because never in my life have I or would I ever shop on ***!! I had to google what a circuit was because I had no idea!! The man on the phone tells me he can see that this circuit was delivered to some strange address I have never lived at or even heard of! He said he will mark the account as a dispute? Dispute what???? They need to get the correct information before calling people. How about googling the BS address given to me on the phone to see who lives there? How about contacting the credit card company to get correct information from them? Ha ha, ***….I’m still laughing my butt off on that one!!!

  Business response

  06/28/2023

  We do have an account which was placed in our office by our client under the name of this consumer.  We have made our client aware of this consumers concern that the account is not hers.  We have closed the account down in our office and returned it to our client.  This consumer will no longer receive any further communications from our office regarding the account in question. 

  Customer response

  06/28/2023

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

  Better Business Bureau:

  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait until for the business to perform this action and, if it does, will consider this complaint resolved.

  Regards,

  Jennifer *******

• Initial Complaint

  04/24/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  A charge on my credit card was issued. I did not approve these charges $98.11 on 4-19-23 When I call Advanced Capital Solution I have to leave a message, no one has returned my call from March 2023. There was a change on my credit card from March 2023 for $98.00

  Business response

  04/28/2023

  We have since spoke with this consumer and it appears she was confused as to what the charge was for on her car.  She agreed to have keep payments on file until the agreed balance is paid off.  This complaint should be removed from our profile.  

   

  Thanks

• Initial Complaint

  03/31/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  These people call me at least 15 times a day. Today a message was left saying they were calling about a bounced check. I don’t even use checks. Then said they would take my none response as an answer and seek further action. So now they have stepped up to harassing me. All for a very small amount it’s ridiculous and it is not acceptable to call and harass people. They need to do better. I sent an email asking for proof of debt and and still haven’t got a single response. Leave. Me. Alone!!!

  Business response

  03/31/2023

  We do have an account that was placed with our office for recovery associated with this consumer.  The account was placed on 12/5/2022.  In the 4 months that this account has been placed with us we have made a total of 8 attempted phone calls on the following dates: 12/5, 12/6, 12/14, 12/15, 1/12, 3/21, 3/24 & 3/30.  Per her email request received on 3/30 we have requested original documentation pertaining to her account from our client.  Once received we will forward to the email on file.  We have closed the account down in our office and this consumer will receive no further communication from us other than the requested documents through email.  

  Customer response

  03/31/2023

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

  Better Business Bureau:

  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait until for the business to perform this action and, if it does, will consider this complaint resolved.

  Regards,

  ***** ********

• Initial Complaint

  10/26/2022

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I received a phone call on October 25th at 5:34 PM EST from ************* This is only one of the hundreds of deceptive phone numbers that this company uses to try and appear like a local caller. They left this voice message, "This messages is for Chris *********. We are the offices of Advanced Capital Solutions. We need to speak with Mr. ********* today regarding a financial matter that we have with him in our office. Our correct contact number is ************. Thank you." I have no intent to pay or callback a call center filled with rude employees that would make threatening remarks about a supposedly "time sensitive" matter to try and get me to pay an alleged debt that I do not owe. I demand to see physical evidence of whatever alleged debt that they are trying to collect sent only via **** and NOT via email. I will then forward this information to my consumer protection attorney for review. However, if this alleged debt is past the statute of limitations for the state of ** or they fail to provide sufficient proof via physical mail of an alleged debt, I demand that they cease all contact with myself or anyone associated with me as I do not intend to pay. This account should then be closed and all communication should cease immediately. Further attempts to contact myself or those associated with me by phone will result in a noncompliance lawsuit. I and my attorney await their response.

  Business response

  10/26/2022

  Hello - 

  We do have an account in our office under the consumers information on this complaint which was placed with our office by one of our clients.  We made an attempt to speak with this consumer regarding this account on the date and time outlined in the complaint.  We do, in fact, have several telephone ID's which we use and own and all will ring back to our offices per FTC guidelines.  All this being said, we are going to close the account down in our system and return the file to our client and make them aware of this complaint. Per this consumers request, he will receive no further contact from our company.

   

  Best regards.

  Customer response

  10/27/2022

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

  Better Business Bureau:

  I have reviewed the response made by the business in reference to complaint ID ********* and find that this resolution would be satisfactory to me.

  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

  Regards,

  *********** *********

• Initial Complaint

  09/19/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  . Received harassing phone calls they called my job and gave out personal information that's uncalled for

  Business response

  09/20/2022

  Hello - 

  We do have an account in our office placed for recovery.  Per the ***** guidelines we never disclose any information to third parties.  According to our records we made one contact with this consumer on phone number ending in 3774 and the consumer disconnected after consumer verification, mini miranda and recording disclosure was given.  We will flag this account and make our client aware of this consumers complaint and return the account to them.  

   

  Best Regards,

  *** *****

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩