Advanced Capital Solutions, Inc.

[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.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint [redacted], 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,
[redacted]

There is an account in our office for [redacted]  *ith asocial security number ending in [redacted] in regards to an account with [redacted] In accordance with company policy when any complaint is received by ouroffice this account has been closed, placed in a locked status and all numbershave...

been removed. We do apologize if our communication has caused anyinconvenience.Although I was not present during the call in question it iscompany policy to follow all pertinent state and federal laws included but notlimited to the F.D.C.P.A. Any actions found to be in violation of these laws byany employee will be subject to a negative impact on their employment. Sincerely,[redacted]Director of Compliance

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Please remove any personal identifying information (e.g. my name) is posting to your web, and response mentions my name.  It is also inaccurate, as they did state listed as a reference, regardless my brother has not been listed as a reference or contact ANYWHERE! So this is false as well.
Regards,
[redacted]

Consumer has reached out to me directly prior to receiving this complaint and I advised her to check with [redacted] corporate office for the information she seeks. We have ceased all activity on the account pending her validation of the debt through the orginal creditor.Sincerely,[redacted]...

Director of ComplianceAdvanced Capital Solutions

We have located the account your number was attached to and removed it from the file ensuring no further calls from Advanced Capital Solutions. We apologize if our calls have caused any inconvenience. I have spoken with management and employees regarding [redacted]s complaint and any actions...

found to be in violation to any state and federal laws by any employee will be subject to a negative impact on employment up to and including possible termination.

We do have an account in our office for [redacted] regarding a [redacted] account. In accordance with company policy when any complaint is received by our office this account has been placed in a locked status ensuring no collection efforts continue while awaiting a...

resolution. There are a few different reasons why [redacted] may have been told she has a zero balance when calling the original creditor. First, she may actually owe no money in which case they should have offered to send her a letter clearing up this matter and put it in writing that her account was in fact paid and it could have been sold by them in error. Two, she may have gotten an uninformed representative on the phone who couldn't find her in her system (because the account has been sold) and just sent on her way with incorrect information. Either way proof in writing would have to be obtained and then we would have no problem closing the account indefinitely in our office.My apologies if my representative in our office did not communicate that properly. We strive for the most professionalism and high quality service on every phone call. Sincerely,V[redacted]Director of ComplianceAdvanced Capital Solutions

There is an account in our office for [redacted] with a social security number ending in [redacted] in regards to an account with [redacted] In accordance with company policy when any complaint is received by our office this account has been closed, placed in a locked status and all numbers have...

been removed. We do apologize if our communication has caused any inconvenience. Original documentation will be requested with our client and sent to [redacted] once available. Although I was not present during the call in question it is company policy to follow all pertinent state and federal laws included but not limited to the F.D.C.P.A. Any actions found to be in violation of these laws by any employee will be subject to a negative impact on their employment.   Sincerely, [redacted] Director of Compliance

There is an account in our office for [redacted] with asocial security number ending in [redacted] in regards to an account with [redacted]. In accordance with company policy when any complaint is received by ouroffice this account has been closed, placed in a locked status and all...

numbershave been removed. We do apologize if our communication has caused anyinconvenience.Although I was not present during the call in question it iscompany policy to follow all pertinent state and federal laws included but notlimited to the [redacted]. Any actions found to be in violation of these laws byany employee will be subject to a negative impact on their employment.Sincerely,[redacted]Director of Compliance

[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.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], 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,
[redacted]

There is an account in our office for [redacted] with a social security number ending in [redacted] for a matter with [redacted] In accordance with company policy when any complaint is received this account has been flagged and put on hold pending a review of our letter which will go out...

to the corrected address with in this complaint of [redacted] Any questions can be directed to myself @ [redacted] Sinecerly,[redacted]Director of ComplianceAdvanced Capital Solutions

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
I would like to know WHY the representative of ACS felt that it was ok to tell a person other than myself that I owed a debt to [redacted], especially if this supposed debt was not confirmed by myself and is currently in dispute? This is extremely disturbing to me.
Regards,
[redacted]

We have an account in our office matching the name [redacted]i but based on some incomplete information that was sent over from the seller, it is likely we have the wrong party. We will close the account and request validation of debt from the seller. All of your information will be removed from...

the account and you will receive no further contact from Advanced Capital Solutions. Sincerely,[redacted]Director of ComplianceAdvanced Capital Solutions

There is no account in our office for [redacted] rather her mother [redacted]. A review of the calls shows that on 10/26/15 we spoke with [redacted] who at that time stated that she knew that her daughter [redacted]d had taken out the 2 payday loans in question in her her name and gave...

us her number to reach her directly to rectify the accounts. We got in contact with [redacted] on 10/29/15 and she stated she was paying these accounts off for her mom and setup 2 payments on a recorded line with our office. Her first payment set up for 11/15/15 has returned as insufficient funds. At no time did we state we were pursuing a bad check. Payday loans are not illegal in [redacted] but there are restrictions on them. Even if there was I'm not sure the relevance it has on paying back a loan that was illegally obtained in the first place, using someone else's information. We will remove the other payment from our records and get back in touch with [redacted]d to rectify this matter directly. Sincerely, [redacted]Director of Compliance

We have processed a full refund on [redacted] account and mailed out a refund check to her and closed her account in our office.Sincerely,[redacted]

I have spoken with [redacted] again today regarding this matter and assured her that once the documents are received they will be forwarded to her. As with any request if they cannot be provided with in 30 days the account will be closed and we will advise our client[redacted] to close the...

account on their end as well. Her information with in our office will not be shared with any other party as is our company policy and once returned back to the client will be completely removed from our system. Sincerely,[redacted]Director of Compliance

[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.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint [redacted], 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,
[redacted]

There is an account in our office for [redacted] with a social security number ending in [redacted] for a matter with [redacted]. In accordance with company policy when any complaint is received by our office this account has been closed and all numbers removed ensuring no further...

calls. Let me first state that our office does not have a recorded message that makes any threat of legal action being taken as our company does not have any intention to do so. Furthermore, we are not a credit reporting agency so this account will not be reported by our office to any reporting agencies.Our office has sent a request for any supporting documentation and will forward to Ms. Vaughn if received within 30 days or else the account will be closed indefinitely. Sincerely,[redacted]Director of ComplianceAdvanced Capital Solutions

There is an account in our office for [redacted] with a social security number ending in [redacted] for an account with [redacted]. I have attached the original documentation to help clear up any issues with where this originated from. According to company policy when any complaint is received we...

have put this account on hold until [redacted]e has had time to look over the documentation and formulate a response at that time. He may contact my office directly at [redacted] with any further questions. Sincerely,[redacted]Director of Compliance

Revdex.com:
I have reviewed the response made by the business in reference to complaint I[redacted] and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved. I urge the ACS to review their procedures and avoid making calls to people without verifying the validity of the debt. Such practices are unethical and possibly unlawful. I told ACS representatives numerous times that (1) they had my birthday wrong, (2) I had never lived at the address that was linked to the debt (or in that town), and (3) I had never received care at [redacted], and they continued calling me. I also ask that the business establish procedures to send alleged debtors detailed invoices with information about the debt, as the law requires. Intimidating people with dubious alleged debts without providing necessary information could be construed as extortion.  
Regards,
[redacted]

There is an account in our office for [redacted]e with a social security number ending in [redacted] for an account with [redacted]. [redacted] is a legitimate company and our registration numbers in both [redacted]s and Ohio(our home state) respectively are [redacted]In...

accordance with company policy when any complaint is received this account has been closed and all numbers removed ensuring no further communication on the account to [redacted]. We apologize if our communication caused any inconvenience.I have spoken with management and employees regarding [redacted] complaint and assure that any actions found to be in violation to any state and or federal laws by any employee will be subject to a negative impact on employment.