Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. 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.

• Initial Complaint

  Date:02/19/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  So originally there was this debt company Advanced Capital solutions that stated I had a debt owed. I tried contacting over the phone on different occasions to try to reach someone to make large payments outside of the entire settlement balance. Then I started receiving MANY MANY robotic phone calls from my area code and other area codes that kept saying the same message over and over again amongst other calls that were about tax debt relief. Then I went back to check my actual original account I owed and it’s an ENTIRELY different debt collector and number with ******** ******** ****** *** (I also never received any kind of contact from this original buyer) so it’s like it was sold to someone else and there were no documents on file and I couldn’t contact anyone to try to get proof of the selling of the debt to another company and verification. I would like for this company to now cancel my account and close it out as there are many reviews of people being harassed and scammed.

  

  Business Response

  Date: 02/19/2025

  Hello.  We do see in our system that we received and email communication on 2/18 and spoke with her on 2/19 regarding her account.  Regarding her email and phone conversation we have closed her account in our system and requested validation of the account for her records.  We have had no phone communication with her in over a month other than her inbound call on 2/19.  We will forward her validation once we receive it and she will receive no further communication from us.  

   

   

• Initial Complaint

  Date:10/16/2024

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received several calls and messages from this company stating that I need to call them back regarding an account that was placed with them but I have never heard of this place and I have no idea what account they're talking about because they never mention what account it is and I'm not going to call them back unless they tell me what account it is so I feel that this is a very fraudulent and scam artist company so unless they're willing to give me additional information I am not going to return a call to them so they can rip me off or get additional information and steal my personal information so they can steal money from me so they can either give me an additional information or they can just forget about me contacting them back so they need to stop calling me or give me the information regarding what account and who they're trying to collect for because I'm not giving them any information so they can try to scam me out of my out of money that I don't owe anybody

  

  Business Response

  Date: 10/16/2024

  Thank you for bringing your concerns to our attention. We understand your frustration regarding the lack of information provided on your voicemail about your account. Please be assured that our company adheres strictly to the Fair Debt Collection Practices Act (FDCPA), which is designed to protect consumer privacy.
  
  In accordance with the FDCPA, we can only disclose account-related details to the verified debtor or a legally authorized representative. Leaving account-specific information on a voicemail could result in unauthorized disclosure, potentially violating federal regulations. To ensure that we maintain compliance and protect your privacy, we require direct communication with the account holder.
  
  We encourage you to contact our office directly to discuss your account and resolve any outstanding issues. Our representatives are available to assist you while ensuring that your rights and privacy are respected.  We have l=placed your account into a flagged status until we hear back from you.  
  

• Initial Complaint

  Date:09/10/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 9/10/24 a representative left a threatening message on my voicemail saying that this was his last and final attempt to reach me to collect money. I called him and he said that I owed money to a **** ***** card from 2020-2022. I never opened a **** ***** during that time. I was in graduate school at ****** University and I now have a second Master's Degree. I would not need a **** ***** card. I believe it is fraud and he used my old address to get to me. The **** ***** card, ******* ******* (that he said would be on my credit report), and nothing else is on there or in collections. I want my name, number, previous and current address removed from Advanced Capital Solutions database. I also do want anything going onto my credit report or I will file legal action with ******* *** and Associates in *** ******** ***

  

  Business Response

  Date: 09/11/2024

  Hello,

  We do have an account placed with our agency by our client associated with with this consumer.  The details regarding the account outlined in his complaint do match up with the actual account that has been placed with us for collections.  This being said, we have requested original contracts and documentation from our client regarding this consumers account and have placed this consumers account on hold to prevent further collection efforts until said documents are received.  Once said documents are received we will provide them to this consumer via the email address provided in this complaint.  Our company does not credit report any accounts placed with us,  However, our client may and we do not have any control over that.  In the mean time, we would encourage this consumer to contact us to discuss his account in more detail to resolve the issue.  All this being said, our company stance is that this complaint is without merit and we we are acting within the guidelines of the FDCPA and any other federal or local regulations.  We look forward to resolving this issue for this consumer. 

  Customer Answer

  Date: 09/11/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  I am a female, not a male. I did not have a **** ***** Account at any time during 2020-2022. Someone used my social security number and that address and it is filed with all 3 credit bureaus as fraud. 
  This company is harrasing me and that is illegal. 
  
  Regards,
  
  **** ******

  

  Business Response

  Date: 09/12/2024

  As detailed in our initial response, we have requested the original documents regarding this account associated with this consumer.  Once We receive it we will forward the information to the consumer at the email address provided with this complaint.  (I would imagine that if this is fraud that the consumer would like to have the documents.)  We are not harassing this consumer by no stretch.  We have paused all collection efforts so no further communication will occur.  We do encourage this consumer to  reach out to our office to discuss this account so we can help them.  

  Customer Answer

  Date: 09/12/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  I contacted the business after receiving a threatening voicemail. I explained to the male representative that my **** ***** account was paid off in 2018 and closed. 
  That shows up on my credit report. 
  I never opened the account in 2020. I did not need to. 
  
  Regards,
  
  **** ******

  

  Business Response

  Date: 09/13/2024

  Based on the information we have available at this time, regarding this consumers complaint, our stance has not changed since our previous 2 responses.  Again, we have paused all collection efforts at this time.  Once we receive original documentation pertaining to this consumers account we will forward this to them.  As mentioned in previous responses, we encourage this consumer to contact us regarding the account so we can assist them.  Doing so would save them and us an incredible amount of time.   

• Initial Complaint

  Date:08/01/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I keep getting calls from this company accusing me of owing them money. I have never entered into a contract with them, nor have they provided me with a debt validation letter. I want a confirmation that I do not have an account with them and no money is owed.

  

  Business Response

  Date: 08/01/2024

  Hello,

  After reviewing this consumers complaint we discovered that he does have an account in our system placed for collections attached to his information provided within the complaint.  We are a third party collection agency.  The account was place with us by our client who purchased the account from the original creditor.  The account was placed with us on 7/10/2024.  The consumer opened the account with the original creditor on 5/16/2022.  Our agency does not do any credit reporting on accounts placed with us, but our client may.  This being said, our attempted communication with this consumer has been in good faith and within the parameters of the FDCPA and federal laws in an attempt to recover a debt.  We encourage this consumer to contact our general manager so he can fully explain the situation.  In the mean time we have placed the account into "Dispute" status and have requested original documentation to provide to the consumer.  

  Best regards,

  Advanced Capital Solutions.

  Customer Answer

  Date: 08/01/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  They have sent me a debt validation letter that would be within 5 business days of 7/10, which is when the company just stated they recieved my alleged debt.  That falls outside the legal guidelines set by the FPDCA. I would like confirmation that my account is closed/settled since they failed to do this in good faith or legally.
  Regards,
  
  ***** *******

  

  Business Response

  Date: 08/01/2024

  Hello,

  our stance regarding this complaint remains as stated in our original response.  We encourage the consumer to contact us with any further questions.  
  

  Best regards,

  Advanced Capital Solutions

  Customer Answer

  Date: 08/02/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  This company has not contacted me, provided a debt validation letter, or any account information. This is fraudulent behavior. I would like a confirmation that no account in my name exists since they have not followed their legal obligation. I am formally requesting proof of their efforts.
  
  Regards,
  
  ***** *******

  

  Business Response

  Date: 08/05/2024

  Hello,

  Once again, our stance has not changed with regards to this complaint.  As stated in previous responses, we have requested the original documentation from out client for this consumer.  We have flagged his account so no further communication  from our agency will happen.  Once we have received the original documents regarding this consumers account we will provide this to them.  We, once again, encourage this consumer to contact our offices at ************ to discuss his complaint.  Our goal is not to cause an issue for a consumer.  Our goal is to solve the issue.  Once again, we have ceased all communication with this consumer from our end.  If the consumer wishes to contact us to discuss their account, then we would be more than happy to discuss.

  Best regards

• Initial Complaint

  Date:10/31/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  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

  Date: 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 Answer

  Date: 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

  Date:10/24/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  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

  Date: 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

  Date:10/02/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  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

  Date: 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 Answer

  Date: 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

  Date:09/29/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  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

  Date: 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

  Date:07/18/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  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

  Date: 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

  Date:06/28/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  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

  Date: 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 Answer

  Date: 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 *******