Advanced Credit Recovery complaints and steps to deal with them

I'm sorry but I don't have any info on advanced credit recovery collection agency other than information I have gathered from other members here at this forum. If they represent an illegal company you can almost guarantee the same about them, especially if they won't give you any information so you can fax them. If I were you, I would simply ignore the calls, if you answer and they are on the other end, hang up. Sooner or later they will tire of talking to thin air and move on, the more you argue with them or talk to them, the more reason you are giving them to call. Just ignore, seriously, it works!

They said they are collecting on behalf of Vince or Vence Enterprise and EP Processing. What happens if I just change all my numbers? Will they start bothering me at work?

They may bother you at work, if I were you I would inform your employer ahead of time that you are not taking any calls unless it is an emergency. To protect your privacy, just tell them you are dealing with a stolen identity or something. But yes, I would definitely change my number if it were me. :)

What can I do to prevent them from calling my work? Seems like there should be something that doesn't allow them to contact me if I can't take thier calls.

Advanced Credit Recovery debt collection agency

c_rep Paula Brosius
c_title President
c_address 1139 Lansford St
c_city Lancaster
c_state CA
c_zip 93535
c_phone (661) 948-5027
c_fax (661) 948-2181

This company is real they have reported the debt that I owed for a cashnet loan and now I have a judgement against me showing up on my credit report, the people are very rude but they are very real

Gonzalo, How did they get a judgement without you being aware of a lawsuit against you? Did you receive notice that you were being sued? If not you can have the judgement vacated for improper service.

I paid a bill there too and they updated my credit report. Their fax number is 716-297-1684. I quess they can call our work because we put down our work information on the loan application. When they called my work, I told them not to call me at my work and hung up. The next day the called my human resource dept and verified my employment. So I called and paid a reduced amount. They were pretty rude but I asked to speak to a manager and he was actually very helpful. That is the way to go, always ask to speak to a manager. Most are actually professional and know what they are talking about!!!
Jason (OHIO)

They may be real but the company they say they are calling are not. They have not validate the debt and refused to provide a lisence number. Can a legal collection company collect on an illegal loan?

This company's info is as follows:

Advanced Credit Recovery
2423 Hyde Park Blvd
Niagara Falls, NY 14305-3235
Local: 716-297-1674
Fax: 716-297-1684
Toll Free: 877-858-9985

According to the Federal Debt Recovery Act, if you send them a letter (I recommend certified with a return receipt requested) stating your phone number(s) and ask them not to call. They must suspend calling the phone number. A letter is the only way to do this. They do not have to honor verbal requests.

I don't know what the Federal Debt Recovery Act is but this is covered under the Fair Debt Collection Practices Act.

The following is from a complaint we filed against ACR with Wisconsin Division of Banking. They regulate collection agencies in Wisconsin.

"We have been receiving daily automated calls on our cell phone from this collection agency. The calls are regarding an acquaintance of ours with a serious illness that is "in collection". We have excellent credit and no outstanding bills. The calls come in all hours of the day and evening.

When we call back to ask them to remove our number the automated message picks up the call and says try back later. We have no business with them and these calls are clearly intended to harass us into putting pressure on the people they are trying to collect money from.

If this isn't illegal it should be.

They keep calling my phone bc of my sister but wont give me any information, they are very rude and when I tried to talk to them one lady actually yelled at me and said it would be in my best interest to tell my sister to call them... why should i have me sister call them when they wont even give me any information?

Getting numerous calls from (716)205-3273. An automated voice says ACR has an urgent matter to discuss with my friend (they gave his first and last name) and to either press a button to speak to someone or to call back at 877-858-9984 and use reference number ###### which was spoken very quickly and in such a way as to be difficult to catch. I've gotten the call so many times I've been ready with pen and paper to catch it all. The friend in question has no debt, and I've never co-signed on anything for him. What can I do to stop these calls? Do I need to send a C&D letter?

I've been having this same problem for about a month now, asked repeatedly to have them put me on a do not call list and even gave them my mother's phone number (that is who they are calling about saying she is going to court over something) to get them to stop calling me. They have been so rude even hanging up on me. Needless to say nothing has worked and now they are calling my mother AND myself up to 2-3 times a day. Would mailing them a letter to put us on a do not call list really work?? Some one has mentioned contacting the BBB or AG Office??

I've been fighting with these people for months now, allmost as long as I've been out of work the call at the least every other day I'm to the point now where I just fight with them for entertainment sake because they are some of the rudest and unprofessional debt collecters I have ever heard of. This however isnt what bothers me they call a friend of mine more often then they call me despite both of us telling the reps to stop. Now I've worked in collections for about a year and yes they have to honor ALL requests to not call a number. The problem is people as unprofesional as these make up excuses and flat out ignore requestes and thats why I've started a complaint with the FTC which handles the fair credit reporting practices I would suggest that anyone having a problem with them do the same. With enough complaints of the same nature they can be heavly penalized and eventually shut down.

Oh and btw when you ask to talk to a manager its common practice for a debt collector to transfer you to another agent pretending to be a supervisor. The only reliable way is to call numerose times over the course of days and ask for the names of the dept managers, different people giving you the same name is the only way you can be sure to get in touch with someone of authority.

THEY ARE CROOKS!!!!!! THEY HAVE CHANGED THERE NAME NUMEROUS TIMES SINCE THEY WENT INTO BUSINESS IN JAN OF 2004

GIOVIE LAW OFFICE 1/2004-------6/2006
NORTH AMERICAN ASSET RECOVERY 6/2006-----1/2008
CAPITAL RECOVERY ASSOCIATES 1/2008-1/2009
ADVANCED CREDIT RECOVERY 1/2009----CURRENT


IF YOU WOULD LIKE MORE INFO ON THEM GOOGLE BUDD HIBBS


ADVANCED CREDIT RECOVERY

OWNERS: VINCENT BIANCO AND ANTHOINY LAGAMBINA
DIRECTOR: JOHN LICATA
OPERATIONS: DEBBIE CONTIE

2423 HYDE PARK BLVD
NIAGARA FALLS NY 14304

.......... DO NOT PAY THEM A DIME THEY HAVE NEVER HAD A LICENSE TO COLLECT IN ANY STATE.... IF YOU PAID THEM ANY MONEY SINCE 2004 SUE BEFORE THEY GO BANKRUPT ITS COMING FAST!!!!!!!

I came across there website today after receiving calls from these people on a daily basis so here it is acrnfcom

Check out Bud Hibbs for info on Giove Law and their many psuedonyms

http://www.budhibbs.com/collectorpages/giove_law_firm.htm

http://www.giovelawofficeexposed.com/

a bill collector is not a telemarketer and the do not call list doesnt apply they are not trying to sell you anything they are making you responcible for your debt and grow up stop trying to find excusses to be a dead beat and a burden on socirty by not paying your bills

I to have had lots of calls, regarding a family member who used my # as a poc, I called and explained he did not have my permission to use my phone # and asked ACR to remove me from there list, they hung up on me, I asked to speak top a manager and was told to bad, these people are as stupid as they are rude.

I received calls from 716-205-3311. The caller I.D. says Advanced Credit. The lady tells me that I am a co-signer on a loan and that they are taking action. I have never co-signed a loan with anyone in my life. I asked if she had my signature on any paperwork but she went on about how they were taking action and never would answer my questions. She told me that this would effect my credit. I replied that it wouldn't affect me since I did not sign for anything. I finally hung up because she would not talk or answer any of my questions. I do not know how they got my name and phone number since I have never done business with anyone like this.

Go to www.annualcreditreport.com and get your yearly free credit reports and check them - FAST! You may have a case of identity theft on your hands, and if so, you will need to file a police report.

Absolutely--I would contact the Attorney General's office. A cease and desist letter is good--but if these people are truly scammers, the ultimate way to go is to report them to the AG and to get their illegal activity shut down so they'll stop harassing people they have no business calling in the first place.

Send them a Cease & Desist letter. Yes, file a complaint with the BB, the FTC, the FCC, and your state Attorney General's office, Consumer Affairs dept., the list goes on and on.

They called my phone for my father and said that he had a pending civil file against his name and SSN. I tried calling the number they left to tell them they had the wrong number and they were in violation, by leaving that information about my father on my phone, but no one answered the phone. The caller was a man named Mr. Good and the extension he said was his belonged to a woman.

this company is UNETHICAL!!!!
I get 5 calls a day, and, they have the WRONG PERSON!!!!!
I just bought this cell phone... They refuse to remove me from calling list and curse at me on the phone!!!!!!
WTF!!!!!!!!!!!!!!!!!!!!!!!!!!!
I AM OUTRAGED!!!!!
I'm not even the person they are looking for. I SMELL A CLASS ACTION LAWSUIT.

See my post above.

These people are calling my mother four and five times a day.

And, before the "guest" decides to add her two cents, get a freaking education--every other word in your post was spelled wrong.

In any event, where in the world do these people get off calling my 72 year old mother who is hearing imparied and doesn't understand why they're contacting her looking for me?????

Anyway ... not only have i retained a lawyer but, in addition, have sent them an email which will be followed by a certified/return receipt letter to both their addresses--NY & CA.

To the individual that said they smell a lawsuit, I couldn't agree more.

ACR is the most unprofessional place. I was an employee there for a week, and when I tell you it was the longest week ever. They are a small company with about 20 employees. They do not follow FDCPA laws. There process of collecting is terrible. The managers are very sarcastic, unprofessional, it was terrible. They probably didnt want to give you any information because they were wrong. They harrass people, its a terrible place. They tell people that they will sue them, take their driver licenses, all types of crazy stuff.

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no they are not.in fact file more complaints.everytime this person calls file a complaint.they cannot and will not do a thing except call,and threaten.the address is good so send a DV letter.send it certified mail return receipt.

These people are continously calling me and just now called my work number, now I spoke with a rep by the name of Maria and she told me that they were going to contact my employer and garnish my wages, I know they cant do that! But if the letter works I'm writing it now!

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These people are calling me all the time and driving me crazy!! I am not even the person they are looking for (they want my sister!) and I told them that but they still won't listen!!

This company calls me at least twice a day every single day on my cell phone! They even called me at 9pm on a Saturday night! They also call me at work and they seem to get an extra big thrill out of knowing they're causing me problems by calling my work because when I ask them to leave me alone and not to call that number again, they just call 5 or 6 more times in probably a half hour period. They are very rude and tell me they're calling from the Norfolk County Investigator's Office (which scares me b/c I live in Norfolk County) and they start demanding my bank info or even my father's!!! They tell me they've begun proceedings to garnish my wages and then they demand to be transferred to my boss or somebody in HR. I hung up on they when they asked that, but they called back and got my co-worker who was too scared by what they said to not take it seriously and she transferred them to HR. They then called back AGAIN and told me they just spoke with a particular person in HR (they gave me a specific name) and told me I was screwed and then laughed and hung up. I looked that HR person up and we ended up talking and she said she never spoke with anybody but she DID have a hang up on her voicemail and the number it came from was a 716 area code!!! They just got her name off her vm recording to use against me as a scare tactic! They people are very very sneaky and very rude and persistant!

My son is incarcerated and is expected to be released on a certain date. Apparently ACR is trying to collect on a past due debt. They say if he doesn't settle the debt he will not get out of prison on his projected release date. Is this true?

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Hi! I have received a call from an "investigator" saying that charges are being filed against me if I do not take action now with our county sheriffs dept, can they do that?

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I'm getting calls to, at work, home and cell, I asked them to send me info in writing they said 7 days, which I haven't received. I was threatned I was being sued as well as they were gonna garnish my wages, Unless they get money from you they hang up and keep calling. I'm sending a complaint to the FEDERL TRADE COMMISSION, you can go online in fill out the complaint form and advise how they are threating and what they are doing.

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I am in the debt collection business in NY. I had the pleasure of dealing with these incompetent scumbags recently. If ANYBODY in our agency were to treat someone they way they treated me - they would be walked out immediately. As some of you may know, our industry is governed by strict laws. In my professional opinion, ACR blatantly violates many of these laws. The New York Attorney General has shut down many agencies in their area. Hopefully, they are next on his list. It appears many of the rejects from those closed agencies ended up with this place. Take a look at their BBB rating. That alone is indicative of how horrible they run their business. It's a shame thet most of their clients probably do not even know about the way they conduct their business. I recommend you file complaints with the BBB in Buffalo as well as a complaint with the NY Attorney General's office. It's truly too bad that some agencies, such as the one I am with, have to deal with the black eye reputation stereotype created from dirt bags like ACR. Do not be intimidated by these unprofessional 'cowboy collectors'. Fight back!

testing

they should be shut down

I am in the debt collection business in NY. I had the pleasure of dealing with these incompetent scumbags recently. If ANYBODY in our agency were to treat someone they way they treated me - they would be walked out immediately. As some of you may know, our industry is governed by strict laws. In my professional opinion, ACR blatantly violates many of these laws. The New York Attorney General has shut down many agencies in their area. Hopefully, they are next on his list. It appears many of the rejects from those closed agencies ended up with this place. Take a look at their BBB rating. That alone is indicative of how horrible they run their business. It's a shame thet most of their clients probably do not even know about the way they conduct their business. I recommend you file complaints with the BBB in Buffalo as well as a complaint with the NY Attorney General's office. It's truly too bad that some agencies, such as the one I am with, have to deal with the black eye reputation stereotype created from dirt bags like ACR. Do not be intimidated by these unprofessional 'cowboy collectors'. Fight back!

There Fax is 716-831-3620

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Advanced credit has threatend to press charges for fraud and fraudulent checking. I did neither of these and I'm afraid. do these kind of companies actually try to press charges on you to pressure you into paying? I can't afford this. i dont' even know what debt this is supposed to be related to. They are harrassing me at work numbers and bothering my employers. This could effect my employment if it doesn't stop. God knows my reputation has already been effected. They left a voicemail at work that I was being charged with fraud!!!
Is there any action that I can take to press harassment charges?

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