Advantage Collection Professionals, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
01/09/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MN XXXXX	Web
I received the attached collection notice from Advantage Collection Professionals on XXXX, XXXX XXXX, XXXX, for a debt I owed to XXXX XXXX XXXX XXXX, in the amount of {$310.00}. Please note that the collection notice intentionally does not have the date the notice was mailed to me. This was the first time that Advantage Collection had ever made any contact with me regarding this debt ; I had not received any notification of this debt from Advantage Collection prior to XXXX XXXX. As a result, I was not given any opportunity to dispute this debt, pay this debt in full or otherwise exercise my consumer rights under applicable debt collection laws, to avoid this collection account from being placed on my credit bureau reports. On XXXX XXXX, XXXX, I attempted to pay this debt in full via the website given in the collection notice : www.acpi-pay.com. The website charged a {$5.00} fee and did not offer any way to make a payment without incurring a payment processing fee. This practice was entirely dishonest, deceiving and abusive -- the website only allowed me to make a payment with a {$5.00} processing fee attached to any payment method used on this website, whether it was ACH or credit card. Since Advantage Collection knowingly and intentionally did not offer and did not provide information on free-of-charge ways to pay the debt, I e-mailed Advantage Collection on XXXX XXXX in the attached e-mail to advise them I was mailing a check that same day to pay the debt in full. I also requested my account with their office be updated accordingly and a paid in full letter sent to me once my payment had been processed. I did not receive any reply to or acknowledgment of this communication to Advantage Collection. As you will note in the attached copy of the cancelled check, Advantage Collection processed my payment, and they endorsed the check as well. The check was processed by my bank on XXXX XXXX. This is proof that my payment was received and processed, despite Advantage Collection knowingly and intentionally not responding to my e-mail mentioned above. On XXXX XXXX, I received notice from my XXXX and XXXX XXXX credit monitoring tools that my account with Advantage Collection was placed on my XXXX and XXXX credit bureau reports, and Advantage Collection had knowingly, deliberately and intentionally reported that the account was unpaid and had a {$310.00} balance. Advantage Collection knowingly and intentionally reported dishonest and inaccurate account data for this collection item with their office. Screen shots of my credit files reflecting this are attached. Advantage Collection did not adhere to lawful debt collection practices when it reported the inaccurate and dishonest account data to the credit bureaus. They also did not adhere to lawful debt collection practices -- but instead engaged in deceptive and abusive practices -- when the first and only contact I had with them regarding this debt was on XXXX XXXX, not even XXXX full week prior to when I e-mailed them and mailed my payment, and when Advantage Collection cashed my check. Advantage Collection also offered no option on their payment website to submit a free-of-charge payment, intentionally and knowingly engaging in dishonest and abusive debt collection practices to charge and collect extra fees, and not offering any information on how to submit payments that did not cost fees. After cashing my check, Advantage Collection knowingly used dishonest and deceptive practices to report my account as an unpaid collection item, when in fact it had been paid ; they were notified of the payment fee issue on their payment processing website, and they were notified I was sending in payment. At no time did Advantage Collection contact me or respond to my communication.
05/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 902XX	Web
XXXX was informed properly that I would need my internet/ communications service disconnected at my apartment in XXXX XXXX XXXX XXXX , XXXX the end of XXXX XXXX. I settled my debt to end of XXXX XXXX and double checked that they everything tied up on their end since I moved to XXXX XXXX, XXXX end of XXXX XXXX. XXXX continued to draw from my account every month until XXXX XXXX when I finally had my accounts switched at my bank. I was undergoing XXXX treatment from XXXX XXXX - currently and while I was getting my finances in order I noted this unauthorized withdrawal. I spoke with XXXX XXXX XXXX again and it was " cleared up '' although they refused to return the 1.5 years of unauthorized draws on my account. XXXX XXXX I was made to believe that it was all taken care of. I never received a bill, phone call, email or any communications that there were any problems with my account and that I needed to do more. During XXXX XXXX XXXX - XXXX XXXX I moved back to XXXX at XXXX XXXX, near my family again for support. I again went with the only internet provider XXXX XXXX XXXX. They ran my information and I was given an account. They again reassured me that my past account from XXXX was closed and fine. When I moved after the end of XXXX XXXX back to XXXX XXXX XXXX XXXX, I was very through about making sure that my account was paid in full and closed with XXXX XXXX XXXX, again checking both accounts. I never received a bill, phone call, email or any communications that there were any problems with my account. This XXXX I received a threatening phone call from a collections agency ( XXXX and Advance Collections Professionals ) telling me that they would ruin my life if I did n't pay my debt and I should know what they mean. I had no clue what they were talking about and figured it was a wrong number. After a few very scary calls I finally got enough information that it was about XXXX. I immediately called XXXX XXXX XXXX to double check both of my past accounts which I had been informed were in good standing ( closed and paid in full ). XXXX XXXX XXXX assured me that they both were and that they would contact the collections agency to clear it up. I recently found that my credit score went from XXXX to below XXXX because they posted it on my credit that I have an outstanding bill from XXXX for XXXX XXXX, which I was living in XXXX XXXX and had already closed out my account with XXXX XXXX XXXX in XXXX XXXX. This is very frustrating and I feel helpless with this company basically saying " what are you going to do about our unethical behavior ''. I hope you can help.
09/20/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60652	Web
I was contacted by XXXX XXXX, advising me that my credit score went down due to XXXX XXXX reported a negative collections on my account. I 'm requesting a investigation and for this inaccurate information on my credit report to be removed. I have never received or agreed to having any cable or any service from them. I transferred my XXXX XXXX services to another address which XXXX XXXX stated they could n't install my cable boxes. XXXX XXXX had to install the boxes XXXX XXXX XXXX was paid in full for installing XXXX XXXX boxes.XXXX XXXX sent me something in the mail inviting me to have service with them I respectfully declined.I have never set up account with this company nor would I ever use them as my cable provider. I made a formal complaint against them when they installed XXXX XXXX boxes. I was given a credit due to their poor installation services. This company should be fined for charging for service they never provided. I have requested from them to send me a copy of an agreement with my execution of signature and agreement to any service and proof of service their claiming they provided. I received a call from a rep at XXXX XXXX stating I owe {$56.00} I asked her what was the charge for, she stated for cable service. I explained to her that I never agreed nor had any service with them. This is company is a fraud. I have a right to choose who I want to do business with. they have reported this on my credit with brought my credit score down almost XXXX points due to this false credit reporting. please investigate and remove this from my credit report immediately.. Thanks in advance
02/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MN 554XX	Web
There have been many damages done from these companies to my consumer report and in pursuant to 15 USC 1692k Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector. Some of these collection accounts are medical bills and in pursuant to 15 USC 1681 ( a ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.
02/18/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MN 55369	Web
I would Like to File a complain On ADVANTAGE COLLECTIONS AGENCY. On XXXX I sent In a certified letter to this company asking for debt validation This company have failed to attempt to respond. Per the FCRA & the FDCPA I have every right to ask for Proof that this debt they claim belongs to me. It's been 30 days I have not heard back from this company therefore I'm entitled to take XXXX action on this matter. If this company has Place this on any of the Major credit reporting agency I asked that this be deleted XXXX. XX/XX/2018 ORIGINAL LETTER SENT VIA CERTIFIED MAIL Dear Sir/Madame : I am writing to request additional information pertaining to your recent correspondence XX/XX/18. Please be advised that I am not refusing to take care of the account obligation, but as per the Fair Debt Collection Practices Act I am requesting a validation on the balance owed on the account. At this time, I am not requesting a verification of my current mailing address, I am seeking information about the obligation I have to the claims being made concerning an outstanding debt. I would like a written confirmation of the following information : The amount you claim is owed The detailed calculation of the balance you say is owned Copies of the signed agreements showing this account is my obligation Copies of judgments if applicable to the account Proof of the time/statute of limitations pertaining to this debt Proof of your companies licensing to collect debts in my state, as well as licensing numbers and your Registered Agent Any credit Application with my signed signature
04/18/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	WA 98516	Web	Servicemember
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Creditor Name : Advantage Collection Pro Date - XX/XX/2021 Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. By the provisions of the Fair Credit Reporting Act, I demand that these items be re-investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. Federal Law states that you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is also hereby requested, to be provided within fifteen ( 15 ) days of the completion of your investigation. Lastly, pursuant to Sections 1681i, subdivisions ( a ) ( 6 ) ( A ) & ( B ), demand is hereby made that you provide me a copy of my report, reflecting the results of your re-investigation " no later than 5 business days after the completion of the investigation. '' According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thanks in advance for your time and prompt attention to this matter. Sincerely, XXXX XXXX
04/01/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MN 55075	Web
This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.
06/14/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MI 48312	Web
In response to a denial of an extension of credit, this consumer checked with one or more consumer reporting agencies and discovered the following : 1. Your company has furnished negative information concerning this consumer to one or more consumer credit reporting agencies as shown by the accompanying exhibits. 2. This consumer is unsure whether or not your company can show that it has complied with the notice requirements found within the consumer protection laws. 3. This consumer does not recall having received the required notice apprising this consumer of the right to dispute the alleged debt, nor does this consumer recall having received any billing statements and/or statements of account bearing the number you used to furnish the negative information. 4. This consumer is without facts sufficient to form a belief that this consumer has a relationship with your company, and therefore must deny that such a relationship exists. 5. Notwithstanding any substantively admissible facts to the contrary, this consumer denies having any knowledge of the alleged account which the furnisher has placed on this consumers credit report.
10/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MN 559XX	Web
I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to XXXX XXXX for the account showing on the credit file with Advantage Collection Professionals. In order to facilitate efficient proceedings and ensure all relevant information is accounted within the credit report for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transactions specifics. Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgements, and settlements. Pertinent correspondence, communications, or notices related to the chose in action. Any other documents or records that provide insights into the nature, ownership, or status of the chose in action.
10/08/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	MN XXXXX	Web
I received a call at XXXX on XX/XX/2018 from Advantage Collection Pros at my place of employment. I politely asked if she would not call me on my job. She told me I have a bill of XXXX (? ) and I told her it would come out of my account on Friday and please not call my job, please send me correspondence, she said : we did, in XXXX. I said again, please dont call me at work and she said I will call until the bill is paid and hung up on me. This upset me that she was so rude and just hung up! I called the company back at XXXX on XX/XX/2018 and I spoke with somebody and she said that my account indicates not to be contacted at work. I asked her to review the conversation.
06/15/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MN 55104	Web
I have disputed this debt with another debt collections company and it was sold to a new company. This reporting on my credit report is violation of HIPPA and I never gave XXXX XXXX my SSN or any of my personal information. They need to validate this debt and show me where I signed an agreement. Per the FCRA and HIPPA this needs to be removed. The debt collectors has also contacted me and I am on the the Do No Call registry. This is a violation of the TCPA and I will be charging them {$1500.00} for the violation. They can apply this amount to the debt and issue out any remaining balance to me. If they choose not to award me any funds I will file suit in court.
03/01/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	KY 42141	Web
today XX/XX/XXXX advantage collection professionals called me stating I owed over 1300 hundred dollars from where I had XXXX in XX/XX/XXXX. I called XXXX XXXX XXXX in XXXX ky XX/XX/XXXX XXXX looked at my file and said I owed nothing to them, that if I did owe anything not paid the business office would contact me before a debt collector. So then I called XXXX XXXX which I paid off the rest of my eye bill XX/XX/XXXX of XXXX. They put a note that bill was paid in full and no balance owed on that card. Not sure if this is a scam or what just want it sorted out. XXXX was paid in XXXX and XXXX was charged on XXXX XXXX which I have already paid off in full.
04/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	MN 55303	Web
XXXX from Advantage Collection Professionals contacted me at my work. I asked her to not contact me at my work and leave a message on my personal number. She then contacted me again at my work and stated " I know you told me not to call you at work, but you did n't return my call. '' I told her again not to contact me at work and she said at this point I would be facing legal action. I told her I would contact my attorney in regards to her calling me at work when I asked her not to and said goodbye.
07/15/2023	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	MN 561XX	Web
I have a collection account on my credit report that I have no knowledge of. I never received any kind of communication from the collection agency, and was never notified of having any owed balance being sent to collections. I disputed this with XXXX and they refuse to remove the unknown collection account from my credit file. This collection account has hindered my ability to get accepted for any type of personal loan, and has made it extremely hard for me to even try to raise my score.
04/12/2018	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted your employer	NJ 07111	Web
I was contacted by this company repeatedly from this company. I received XXXX but it was done incorrectly by a Dr. that was not suppose to be doing these procedures. I had to get a real doctor to fix my XXXX. The company closed soon after and the lifetime warranty was not respected. The company was a fraud. I am not paying for the torture and debt that this company put me through. The pain and money it cost for me to fix my XXXX. I could have went XXXX due to this company.
06/14/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MN 55112	Web
XXXX with Advantage Collection Professionals, LLC XXXX XXXX XXXX XXXX, XXXX, MN XXXX ( XXXX ) XXXX, contacted me for a past due amount of {$190.00} from 2011, for a company called XXXX XXXX XXXX with phone number XXXX. I've never had an account with XXXX XXXX XXXX, nor had any business with them. They refuse to remove me from their system, and threatening to update to credit bureau if not paid.
05/03/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	NV 89081	Web
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
01/07/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MN 551XX	Web
I have a complaint against the XXXX company, they say they sent the validation letter in 2020, but so far there is no letter that their legal department will be in charge. Are they suggesting that they will send me to court? In the absence of validation and violation of the FCR, remove this account from my credit as soon as possible.
05/13/2015	Yes	Debt collection Medical	Improper contact or sharing of info Contacted employer after asked not to	MN 553XX	Web
Called work number, the first time she was transferred to me, I explained that it was absolutely unacceptable for me to have calls at work and they could not call me again. The lady just called me again ( after a couple of weeks ) and said that she would continue calling me at work since I do n't answer my home phone.
08/11/2015	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	GA 30188	Web
Debt collectors have repeated called myself, my fiance and my grandmother looking for a family member whos address and phone number they have for a debt that is not mine or ours. when asking what the issue is in regards to or where they are calling from they hang up.
12/10/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MN 551XX	Web
Dont send any verification and still reporting pass 30 days.DELETED
01/01/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MN 56302	Web

10/05/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WI 53207	Web

04/19/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MN 55109	Web

12/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MN 55429	Web

11/04/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MN 55378	Web

08/20/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MN 55378	Web

08/20/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN 550XX	Web

07/19/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75043	Web

05/19/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	MN 56001	Web

04/26/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN 55421	Web

04/21/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN 55407	Web

04/08/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN 55421	Web

10/19/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MN 55122	Web

10/12/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MN 55429	Web

09/07/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MN XXXXX	Web

12/12/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30097	Web	Servicemember

02/27/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN 55343	Web

06/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MN 55117	Web

03/18/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	MN 55425	Web

07/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	AZ 85213	Web

08/01/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 12901	Postal mail

06/23/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	MN 55436	Web