ComplaintsforAdvanced Capital Solutions, Inc.

• Initial Complaint

  12/28/2021

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  This company called me today claiming that I owe their client money. When I told them to send me proof the person I spoke with transferred me over to someone named “******** that I’d be happy to make an arrangement when and if they can send me proof that the debt was mine. He proceeded to tell me that I had to give them a payment to lock in the offer they provided me. When ******* didn’t like my answer he then said “I don’t think you’re going to pay” and hung up on me. How unprofessional! He shouldn’t have a personal opinion on whether people are going to pay or not. I don’t think it’s any of his business and this company should hire better people. I then called back to ask for a validation letter and they said they would email me one, you guessed it they never sent me anything.

  

  Business response

  12/29/2021

  Hello - 

  We have reviewed this consumers complaint as well as the account that we have in our office associated with the consumer.  We have requested original documentation from the client.  Once we receive them we will provide them to the consumer via US Mail.  We have closed the account down in our office so no further communication will be received from us to her.  

   

  Thanks you,

  *** *****

  Customer response

  12/29/2021

  [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 ** ********, 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

  12/22/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This company contact me about a debt that has been settled with another company. They also use a robo caller that gives out my name and D.O.B upon answering. So they are giving out my person information to whomever without my approval and are harassing me about a debt that I don’t have. I have never had debt with them and now they are just giving out my information trying to make me give them money to stop.

  

  Business response

  12/23/2021

  Hello - 

  We do not have any account in our office under the name ******* ********.  We do, however, have an account which coincides with this consumers phone number and email address.  We have shut down this particular account and this consumer will no longer receive any further calls from our company.   

   

  Thank you,

  *** *****

• Initial Complaint

  12/06/2021

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  Over the course of the last year (or more), I have received numerous phone calls from this collection agency. The person they name (***** *********) as the debtor is not associated with my phone number and I do not know who she is, nor do I have any information about her. I receive voice mails as well as text messages to my phone. Every contact from them is always from a different phone number. I tried to contact them via a number from a text message. I told them that this ***** is not associated with this number and I know nothing about her and to stop call calling me. I still keep getting these annoying calls and messages. I want them to cease and desist immediately. Enough is enough, this is now bordering on harrassment!

  

  Business response

  12/07/2021

  Hello - 

  We do have an account that was placed in our office on 12/1/2021 with this consumers phone number attached to it.  In reviewing our system we see we made one attempted phone call to her number which went unanswered. Also, we do not send text messages to consumers unless they have opted in to receive text messages.  That being said we have never sent this consumer a text message.  It is our belief that that this particular account in question was previously placed with another collection agency prior to being placed with Advanced Capital Solutions and that agency may have been the agency calling and texting this consumer.  We have removed her phone number from our system and this consumer will receive no further contact from our agency.

   

  Best regards,

  Ron Craze

  Customer response

  12/07/2021

  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

  11/29/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I receive multiple calls a week from this company claiming I owe them for a previous debt. I haven’t received anything in writing via regular mail or email regarding a debt from this company. You would think if I truly owed a debt I would receive something in writing vs just threatening phone calls. If I truly owe a debt then produce documentation of such! You can’t so stop harassing me! My next step if the harassment doesn’t stop is have ********* *** get involved. Stop with the harassing phone calls!!!!!

  

  Business response

  11/29/2021

  Hello - 

  We do have an account in our office attached to the name of this consumer.  We have made several attempts to contact this consumer by phone to discuss their account.  To date, we have not actually spoken with this consumer.  We did send a letter to the address we have on file when the account was placed with our office.  We have requested the original documentation for her account from our client.  Once we receive that we will send it to the consumers address provided within this complaint.  We ask that she contact our office once she receives these documents to discuss her account.  We have flagged the account and she will no longer receive any phone calls from our office.  

   

  Best regards,

  Ron Craze

• Initial Complaint

  11/17/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Advanced Capital has been harassing me about a debt I supposedly owe them however when I confronted them they cannot provide proof of debt nor is it on my credit record. The address the gentleman provided also does not match the one on the “letter” they send as well. They are very unprofessional as well.

  

  Business response

  11/23/2021

  Hello - 

  We have an account in our office under this consumers name.  I have requested original documentation from our client to provide to this consumer.  We will send the original doc's via US mail to the address provided within this complaint.  Once the consumer receives this documentation they can contact our offices directly to resolve this issue.

   

  Thanks,
  Ron

• Initial Complaint

  11/12/2021

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I received a call today from a man that did not identify himself. Just said he was calling from Advanced Capital Solutions. And requested that I call back to ************ about a debt. He sounded irritated and have no other details. If this is a valid debt I would like a debt validation letter sent via **** mail and all calls to myself and any family members to stop immediately.

  

  Business response

  11/15/2021

  Hello - 

  We have requested documentation be mailed to this consumer. They will no longer receive phone calls from our company pertaining to her account.  We ask that once she receives the documents that she give us a call to discuss her account further. 

   

  Best regards,

  *** *****

  Customer response

  11/16/2021

  [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 *******6, 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

  10/27/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I supposedly owe the amount of $1280.48 dollars which I pay $324.00 already to ACS. By the creditor AWL but I receive a email for them on July about the settlement which I included in. It is legal that they are charging me.

  

  Business response

  10/27/2021

  Hello - 

  I am a little confused on this complaint.  The consumer has been making monthly payments to us since April 2021.  We offered her a settlement option, which she included in her complaints, of $640.00.  She had made $324 in payments so far.  At no point have we had a discussion with the consumer regarding anything negative regarding the agreed settlement plan.  I am not sure what she is looking for us to do for her.  That being said, I would encourage her to contact us directly to discuss her account.

   

  Best regards,

  Ron Craze

  Customer response

  10/27/2021

  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.
  
  
  
  Regards,
  
  ***** ********

  

  Business response

  10/28/2021

  Hello - 

  In reviewing this consumers complaint further we are still confused as to the nature of her complaint.  She agreed to voluntarily mail in monthly payments to take advantage of the 50% settlement that was offered to her - which she did from April through September of this year.  We do not see a scenario within her complaint that would warrant a refund on the payments she has made.  However, if there is a way to get a clearer explanation from her either in writing or on the phone call we are more than willing to look into this further.  We take every complaint very serious and respond in a timely manor to make sure consumers are satisfied.  As it stand right now, based on information provided within her complaint, our stance has not changed.  We have flagged the account to ensure no further communication from our office regarding this particular account.  Once again, I would highly encourage this consumer to call out office and ask to speak to Garrett ****** our general manager, to see what, if anything, we can do to satisfy this consumer.  

   

  Best regads,

  Ron Craze

• Initial Complaint

  10/25/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  On September 13, 2021 by mail and September 24th, 2021 - twice by email Advanced Capital Solutions received my letter requesting validation of the following accounts: • Reference number: ******** They are attempting to collect on these accounts. Although, they never responded. Under the Finance Code for my state , the debt collection agency has thirty (30) calendar days to respond to a debt validation request. All debt collectors operating in this state must be able to verify, or "validate," any debt on which they are attempting to collect payment. ******* ******* **** ******* ******* requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to: • The name of the original creditor • The original date of default or non-payment of the debt • The date the debt was transferred from the original creditor to the third party debt collector • The original balance • The current balance Surety Bond information If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per ******* ******* **** *************, that the debt in question is inaccurate. As such, all collection efforts on the debt must cease and any derogatory listing should be permanently removed from any consumer credit reports. As of 10/25/21 I still have not heard from them. Under state and federal law I could sue them and ask for thousands. However, I would like to make every effort to resolve this matter amicably without presenting this case in court before a jury in my community. If they delete the account and cease reporting to the bureaus, I will consider this matter resolved.

  

  Business response

  10/25/2021

  Hello - 

  We have ordered the detailed documentation this consumer has requested per her request.  We have also flagged her account in our office which will cease any further communication from our company.  We have also made our client aware of this complaint.  If the consumer would like to have further discussions regarding their account I would encourage them to contact us.  

   

  Thanks you,

  Ron Craze

  Customer response

  11/01/2021

  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 

   

  This business is saying to contact them when I have tried several times to garner debt validation from them. I have for over a month. The only response I will accept is this business sending proper debt validation. If they had proper debt validation they not only have my email but also my mailing address. Have this business the requested documentation through BBB.
  
  Regards,
  
  ****** *****

  

  Business response

  11/10/2021

  Hello - 

  To avoid third party disclosure of this issue we have sent this consumer the documents she has requested to the email provided in the complaint.  Should she wish to discuss her account with us we are available either via email or phone.  

   

  Thank you,

  Ron

• Initial Complaint

  10/21/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I had received a call: I answered it no one was on the other side. I called the same number back and the guy said his name was Joe from advance capital solutions and said is (insert name) I told him to stop calling me he told me he would stop if I paid my *******  bill.

  

  Business response

  10/22/2021

  Hello,

  We do have an account in our office associated with this consumer.  We will cease communications with this consumer, however, we can not "discharge" the amount owed as this is not up to us.  We will make our client aware of her request though.  We are happy to provide this consumer the original documentation regarding her account. I would encourage this consumer to contact us to discuss their account as the phone call she is referencing did not provide us ample time to provide more details as they terminated the call.   

   

  Best regards,

  Ron Craze

• Initial Complaint

  10/15/2021

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  Advanced Capital Solutions has called me twice in two days claiming that they are entitled to money that I do not owe them. The first call happened on Wednesday, October 13th. They had spoofed their telephone number to make it appear as though it was a local call. Once I realized that they were just another low life company trying to capitalize on phantom debt I hung up. The second phone call came in on Friday, October 15th. I let the call go to voicemail where they instructed me to return their call at ************. I have no idea what kind of paperwork they have in their office that they think would tie me to them and, quite frankly, couldn't care any less if I had to. I have absolutely no intention whatsoever of giving them a single red cent for any reason at all.

  

  Business response

  10/18/2021

  Hello -

  We have an account that was placed in our office under the name ***** ***** with the phone number provided by the consumer in this complaint.  We have flagged the account to ensure that no further communication attempts are made to this consumer from our office.  We have requested original documentation regarding this account should the consumer wish to contact us to discuss further.  We have also made our client aware that the consumer is disputing the account.  With regards to the consumers claim that we are "spoofing" our caller ID, we own every number that we call from and any calls made back to any of these numbers will ring into our office.  That being said, we follow all TCPA and FDCPA laws regarding caller ID's. 

   

  Best regards,

  *** *****

  Customer response

  10/26/2021

  Better Business Bureau:

  I have reviewed the response made by the business in reference to complaint ID ********* and must admit that this response is better than nothing. The number that I was called from was a local number registered in *************** ********. This company is based in ******* ***** While spoofed may not be the best term to use, it does seem fairly evident that this number is being used to make it appear as though it is a local call thus increasing the likelihood that the call will be answered rather than ignored. It may not be spoofing, but it is certainly deceptive.

  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. ↩