Harassed? This is “for your protection” Wound up being taken to court twice. American Credit Solutions ripoff business paid 200 fora credit card that I never received and there is no customer service to be found Tampa Florida . However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. The BBB established ACR’s profile page in 2013. You can trust them. I am a medical Assistant who currently works for Medix. March 10, 2017. See BBB rating, reviews, complaints, & more. I’m very grateful for all the hard work they did to finally give me my life back.”, “I won’t be afraid to contact you or recommend your services to others for debt collection difficulties. Please keep up the outstanding work you do, and again, thank you for helping me through this challenging time. Specifically, the plaintiff in this case alleged that an ACR representative had left several messages on the plaintiff’s “personal cellular telephone using an automatic telephone dialing system.” The messages did not identify the name of the business that was calling “and failed to inform the plaintiff that the ACR representative was a debt collector.” The messages stated only that the caller “had ‘a very urgent matter’ to discuss regarding the plaintiff’s name and social security number.” As a result, the plaintiff filed a complaint citing violations of FDCPA Sections 1692d(6), 1692g(a), and 1692e(11), which prohibit “the placement of telephone calls without the meaningful disclosure of the caller’s identity, failure to disclose the fact that the defendant is attempting to collect a debt, and failure to send the consumer a written validation notice within five days of the initial communication.” The plaintiff also cited a violation of “section 227(b)(1)(A)(iii) of the TCPA, which prohibits the use of an automatic telephone dialing system (‘ATDS’) to contact a cellular telephone, other than a call made for emergency purposes or with the prior express consent of the called party.”, Representatives of American Credit Resolution failed to appear and defend this action, “which resulted in the Clerk of the Court entering default” in January 2014. The overall rating of the company is 1.0 and consumers are mostly dissatisfied. For a minute I thought it was the police or something. On behalf of our client, Lemberg Law recently filed a complaint in U.S. District Court, Southern District of Florida. It scared me because he said he had legal documents with my name and social security on them. Read more about the firm. What’s your name? They made sure I was comfortable with the amount I was having to pay out each month, and that surprised me. A free inside look at company reviews and salaries posted anonymously by employees. To find legit student loan help in the student loan assistance industry, here’s a roundup of the companies borrowers are searching for. Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. In any case, American credit card solutions are consistent with all Federal Trade Commission guidelines that apply to the business. Find out who they are, why they might be calling, and how you can stop them. I didn’t know that debt collection agencies can end up paying your legal bill. telling me that I need to see them in their office immediately. We are ranked A+ by the BBB. As of December 2017, the Better Business Bureau (BBB) has closed 27 complaints against American Credit Resolution in the preceding 3 years. We are currently assessing the review in accordance with our reporting processes. The BBB established ACR’s profile page in 2013. American financial solutions was helpful in settling my accounts and helping me to establish myself better financially. I can’t say thank you enough!”, ”Lemberg Law has saved me from the endless calls, and harassing voicemails. The company … in the beginning before I signed anything there was no pressure. They also hold accreditation with COA. Here are some Sample Cases filed in Federal Court, In April 2014, in United States District Court, Western District of New York, a judge issued an order in a case alleging American Credit Resolution had violated provisions of the Fair Debt Collection Practices Act (FDCPA) and the Telephone Consumer Protection Act (TCPA). We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. I got into a bind and was stupid with my money and they got me on the right track. This was in September 2016, but ACR hasn’t yet filed a lawsuit against our client. In the meantime, you are welcome to call us right away at 855-301-2100. ACR is listed as a collection agency, credit repair, and financial services company. They are for real when they say they are here to help you. Ripoff Report on: American credit solutions - Is a consumer fraud ripoff tampa florida The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. American Financial has helped me tremendously and I am so thankful for the services I have used to get me out of debt! With scams, awareness is everything. We understand what you're going through, and our certified counselors are here to listen to you and empower you to get your finances under control. They spam me with emails three times a day and unsubscribe foes not work. They were very helpful and kind (and gentle too)! American Credit Repair provides professional credit repair services to those looking to remove erroneous items from their credit reports. Each case that goes through the American Credit Repair process can expect the following: Credit Score Increase Rate. We had a wonderful experience with this organization. Telephone: (844) 746-0789. I received a voicemail from ACR at 1-866-321-1528 Their recommendations were always thoughtful. 32 American Lending Solutions reviews. I see now there is an administrative fee for an additional fee of $15 a month. Very helpful and responsive to needs and concerns. Have you had a bad experience with this agency’s debt collectors? And they reported more than 47,000 scams in 2017, an increase of 46% percent over the previous year. What We Do. Success in our Debt Resolution program is highly dependent on your ability to save a specified amount consistently each month. What’s your phone number? This is not legal advice. Yes. It is illegal for a debt collector to make empty threats to sue you or garnish your wages. © 2021 Trustpilot, Inc. All rights reserved. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Credit Solutions of America offers online credit repair services with a low monthly cost and a 100% satisfaction guarantee. I did have a problem that I didn't understand within 2 days and they are one phone call away from answering your questions and solving your problem. I have a voice-mail from ACR,should I return the call? If you have been contacted by ACR regarding a delinquent debt, understand your rights before responding. It has previously been named by … Thank you for requesting your free case evaluation. The AmeriCar Solutions promotion* was created to give people the opportunity to purchase a new or pre-owned vehicle. Unlawful Debt Harassment? AmeriCar Credit Solutions. A person with the same DOB & First and Last Name with criminal record & jail time at Arizona Penitentiary is all the time link to my profile. This EXACT above example from April 2014 happened to me today and in fact is the same exact quote used on the voicemail they left. Federal laws provide individuals like you with a means to seek monetary damages in court. “We realize that ours is just one small case among many – and many more serious – but are heartened by the fact that you accepted it and represented us with a professionalism that belied the small dollar amount.”, “If you are unsure about this company…DONT BE!!! Our services aren't available in all states. Credit and Debt Counseling in Midvale, UT. Absolutely. Call our Helpline today! They are even more intimidating when there are threats involved. Contacting an attorney BEFORE this could possibly happen would be a smart move. Please contact me AFTER 3:30 p.m. (central time) where I can discuss my case. They may have had a difficult time getting automotive financing, or they think that because of their financial situation it would be nearly impossible to finance a new vehicle. The American Credit Card Solutions program doesn't assume or pay your debts, repair your credit score, or provide tax, legal, or credit repair advice. Very helpful and happy to answer all questions. American Credit Card Solutions is a great company to get rid of debt. What’s your email address? I hope I don’t need them again but if I do, I’ll be back. They obviously know this and yet continue to flaunt the legislation. Thoren Dillen 2 reviews. Atlanta, GA 31146 Thank you. What a surprise, to receive free legal help. Our client says that this debt collector left a voice message on her cell phone stating that American Credit Resolution was preparing to file a lawsuit against her. 8 signs of a personal loan scam. The sad thing is they are calling my moms phone and leaving this message. What’s your name? American Express is … I contacted them to consolidate my debts and pay it off. A free inside look at company reviews and salaries posted anonymously by employees. Business Profile. They really do go to bat for you. Who are we? What Happens When You File for Bankruptcy? The staff is amazing and very helpful. Briefly describe your experience Would recommend them to friends and family. ACR is calling one of my employees and leaving me messages about a legal matter. The specific amount of statutory damages, not to exceed $1,000, falls within the court’s discretion.” In addition, a “person or entity that successfully establishes a TCPA violation under section 227(b)(1)(A)(iii) may recover its actual monetary loss from the violation or receive $500 in damages for each such violation, whichever is greater,” unless the violation is particularly egregious, in which case “the court may, in its discretion, increase the amount of the award to an amount equal to not more than 3 times” the standard penalty, or $1,500 per violation. Confidentiality Guarantee: We keep your information completely confidential and will not send you spam or sell your information. AmeriCar Credit Solutions. Only the latest review will count in the company's TrustScore. It is also unlikely ACR would sue you for a debt you may not owe or they cannot validate. Credit Solutions Of America Overview. Credit & Debt Services: American Credit Solutions Tampa, Florida. And we're here to help you get out of debt for good. Your author The case, against American Credit Resolution, charges the debt collection agency with violating federal law and asks for $1,000 in statutory damages under the Fair Debt Collection Practices Act, plus other relief. What Do You Need to Do to File Bankruptcies? Truly a great way to get yourself out of mountains of debt. 23, Report #63963 . Thanks a No problems noted. As previously mentioned, American Financial Solutions has helped thousands of clients pay off billions of dollars in debt over the course of the past 18 years. Great help and experience working with AFS. Learn the Law & Sue the Collector. Sekure Merchant Solutions is a merchant account provider that may be a reseller of North American Bankcard. According to its website, ACR “is a privately held financial services firm…whose mission is to maximize asset realization for… clients by providing custom state-of-the-art collection and call center solutions at the most competitive prices.”, American Credit Resolution provides services in three main areas: consumer collections, commercial collections, and call center services. I was given a payback amount that I could handle most of the time. What can I do? The Credit Card Interest Rates that I was told I was going to have, 5 of the Credit Card Companies were higher then what I was told.I'm so grateful that the Credit Card Companies are paid in full!!Thank-you. Many people think their credit score may be too low to qualify for financing. ACR is listed as a collection agency, credit repair, and financial services company. Credit Solutions Of America was first mentioned on PissedConsumer on Nov 25, 2007 and since then this brand received 54 reviews.. Credit Solutions Of America ranks 62 of 229 in Collection Agencies category. I am very pleased with my experience with AFS. New Credit America has two loan options: loans for debt consolidation and personal loans up to $10,000, which can be used for various purposes. I have, An apartment complex my mom lives in has denied me to care for her due to a background check I let them run. If you don’t like your bank or credit union’s terms or have bad credit when applying, an online lender might cater to your specific needs. 14 Credit Solutions of America reviews. Contact Information. We are Lemberg Law, a Consumer Law Firm. American financial solutions was the best decision American financial solutions was the best decision I have made in my financial life. Since June 2015, the Consumer Financial Protection Bureau (CFPB) has closed 18 complaints against ACR. Then they got all my payments lowered and they have the monies from that. Americans reported one scam every 11 minutes on average. Would recommend to anyone. We look forward to working with you to resolve your legal issues. Call 475-277-1600 NOW. The only problem that I had was in the beginning. There are currently over 75 Sekure Merchant Solutions negative reviews online, some of which accuse the company of being a scam... Sekure Merchant Solutions rates as a slightly worse-than-average merchant services provider according to our rating system. We are happy to have made the financial growth we have made with them, but sad to end a working relationship because it was so great. Sound off and share your experience with other visitors in the comment box below. ACR’s consumer collections division offers “services to wholesalers and debt packagers primarily dealing in the secondary market of distressed and charged-off consumer receivables.” This division specializes in “offering creative solutions including payment plans and discounts that conform to an individual’s unique situation.”, ACR commercial collections division offers “commercial collection services to companies in the construction, wholesaling, manufacturing, professional services, and other industries…with collection programs custom tailored to… maximize account receivable realization while maintaining a positive relationship with the customer/consumer.”, ACR’s call center division “offers dedicated agents, phone trunks/DID’s, and dedicated servers for database management…staffed by employees… trained in the protection of consumer/account holder information.” All staff are “required to sign a confidentiality and non-disclosure agreement upon hire.”. I don't think the financial situation was explained to me completely or honestly. The Credit Solution Program offers you a Free Starter Kit. This website is attorney advertising: prior results do not guarantee a similar outcome. … Misled by a collector? Same thing. Fiserv provides financial services technology solutions such as payment processing for banks, credit unions, lenders and investment firms. Briefly describe your experience. This organization is not BBB accredited. You can sue a debt collector. Compensation for potential legal violations, and any results obtained, depends upon the specific factual and legal circumstances of each case. Furthermore, the court is authorized to award “up to $1,000 in statutory damages per plaintiff for any violation of the FDCPA. Please make sure you review and understand all program materials before you enroll. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). The staff of the building called me. Please enter a valid email adress, Your phone 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. I appreciate that AFS was there for me. Email is required to block spam, but will not be published. American Credit Resolution Inc or ACR is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. What can I do? I am most grateful.”. I knew I needed help getting the credit card debt down and they helped a lot. It has previously been named by … They were able to make deals to get lower interest rates and told me a few places that the credit card companies were taking advantage of me. American Express. Find out more about the #1 new scam so you don't fall for it. I am very grateful! Thank you again. Do not assume that you are entitled to any compensation as a result of the consumer complaints you have. On the occasions that I needed a little extra time, the staff was very understanding and helpful. American financial solutions was…helpful and straightforward. They might be calling, and friendly service ran us in to bankruptcy forward to working with to! Social security on them individuals like you with a means to seek monetary damages in court compensation as defendant! Are welcome to call us right away at 855-301-2100 allows for individuals find! 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