These people call almost every day at the same time in the morning and rarely leave a message.  When they do, it's barely audible and you can't understand what they are saying.

This company has called every relative with the same last name looking for information about me.  They have even been extremely rude when told no or asked who are you and what do you want.  Even using the F bomb to my father. A little more than scarey!!

Just got a call from this number at 8pm at night on a monday.  No message left.  I am on the do not call list, but apparently they arent trying to sell (judging by the comments above), just try to annoy.  A**holes...

Important to call back immediately--collection co.

Call their corporate office and talk to the operator 716-580-6102 and tell them to remove your number. Also follow up with a letter stating that these phone calls are borderline harassment. In the letter give them a thirty-day notice to cease and desist or you will be forced to take further action for this on going harassment. Included all the data you have including the phone number they are calling, case number etc. It is important to send a letter because it gives you a paper trial (send it certified mail) make sure you keep a copy of the letter for yourself and the receipt from the certified letter.

ACI, 2420 Sweet Home RD, Suite 150, Amherst, NY 14228

If they keep calling; log all the calls then call your Attorney General of your state and file a complaint. Also call the Attorney General of New York and file a complaint. If you live outside of NY they may not give you the time of day, but the more people who b***h the better. Call the BBB and wage a complaint too.
Hope this helps

They called at 9:30pm.  They are not looking for me, but asked for someone named Evelyn?  Never met an Evelyn.  I told them to never call again.... we shall see...

Not only did they call me (wrong number) on my private office line (I'm a physician), when I called back to let them know they had the wrong number they were actually rude to me for pointing out this mistake.  Instead of just saying we will take the number off they asked me if I knew the person they were calling about (duh, you are calling a physician's private office line, how did you even get it?!) insuinating that somehow I was covering for her.  They then asked if she worked here.  I said to the person that the best way to handle this would have been to just tell me sorry for the inconvenience and they would taking this number out of their files.  This person then said 'i don't have to apologize to you or to the person who were are trying to reach' and hung up.
When I spoke to a manager she just said she didn't 'condone' that kind of behavior and did not apologize for it.  Said that she would not discuss with me how she was going to deal with this person (something I did not ask her to do). Very rude and I'm not even someone they are trying to get to; they will be reported to the BBB!

This number has called me several times and never leaves a message.  Most of the calls are aborted.  I call the number from a number different than mine and get a response that the number is disconnected, then they call again from the same number.  I am curious who hires them to handle their bad debt, if anyone knows!

Collection agency always asks for someone else then wants your info to update their records. Call from several other extension numbers.

from reviewing most of the complaints on here it seems as though its not necessarily the collectors that are the problem although sometimes it is. The biggest problem is people weather they owe a debt or not don't like us debt collectors and  therefore start off having a problem. If you get a call and its a wrong number tell us we are going to ask if you know the person because its our jobs but if you just aanswer the few quick questions you can be done with us for good. And if you don't owe the debt its the same as everything else these days we need proof without that then we have to believe you still owe it all you have to do is once again just answer our questions and cooperate and you can be done with us. What most people seem to forget is we are people too working to pay our bills and support our familys some of us also have debt collectors calling us. So just remember that next time.

And in ACI's defense yes there are rude  & illegal activities in every agency but in my experience with working for 5 agencies ACI is the most professional and compliant office around ACI is not a scam office they are bbb certified.

ANOTHER BUFFALO BOTTOMFEEDER - Buffalo NY is known for having the ABSOLUTE WORST JUNK DEBT BUYERS AND FDCPA VIOLATORS.  

BEST NEWS IS NEW YORK ATTORNEY GENERAL IS WORKING ON CLOSING THEM ALL DOWN
YOU HAVE TO REPORT THEM ASAP

use this SPECIAL Link  www.NYDebtHelp.com
This special website was created by NY AG Andrew Cuomo specifically for reporting illegal debt collection practices.  

American Coradius International, LLC.

Aka/ ACI

2420 Sweet Home Rd, #150

Amherst, NY 14228

800-759-2241

716-634-7955

888-400-7740

877-255-6382

888-400-7804
  Fax:                        

716-634-8531

716-634-7084




Web Address: http://www.americancoradiusinternational.com/



Current Management:   Brian Peek, CEO

Steve Moeller, Quality Assurance Mgr

Bob Duggan, Floor Manager


--------------------------------------------------------------------------------

Bud Says                         Consumer Comments Below

This organization appears to be making an effort to clean up their act from the days when their reputation was one of the worst in Buffalo.  If American Coradius can do it in the hostile environment of Buffalo, NY there is hope for all the debt collectors.

CAUTION: I recommend you NEVER disclose your bank account or credit card information to a debt collector, as you risk them emptying your account, or maxing out your credit card. If you feel they are reporting on your credit bureau files in error or need assistance in dealing with them, email  the details w/your location.  Assistance and referral to a consumer legal specialist may be available.    




The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!

Dealing with Debt Collectors
http://www.budhibbs.com/start.html


Statute of Limitations by State ? always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/statute_of_limitations.htm


Recording calls from Debt Collectors - always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/record.htm


From Federal Trade Commission Website ? FAIR DEBT COLLECTION PRACTICES ACT
Debt Collection FAQs: A Guide for Consumers
If you?re behind in paying your bills, or a creditor?s records mistakenly make it appear that you are, a debt collector may be contacting you.
The Federal Trade Commission (FTC), the nation?s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.
Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.
Here are some questions and answers about your rights under the Act.

What types of debts are covered?
The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn?t cover debts you incurred to run a business.

Can a debt collector contact me any time or any place?
No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they?re told (orally or in writing) that you?re not allowed to get calls there.

How can I stop a debt collector from contacting me?
If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter ? even if you don?t think you owe the debt, can?t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don?t want the collector to contact you again, tell the collector ? in writing ? to stop contacting you. Here?s how to do that:
Make a copy of your letter. Send the original by certified mail, and pay for a ?return receipt? so you?ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt.

Can a debt collector contact anyone else about my debt?
If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don?t have an attorney, a collector may contact other people ? but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.

What does the debt collector have to tell me about the debt?
Every collector must send you a written ?validation notice? telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don?t think you owe the money.

Can a debt collector keep contacting me if I don?t think I owe any money?
If you send the debt collector a letter stating that you don?t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.

What practices are off limits for debt collectors?
Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:
    use threats of violence or harm;
    publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
    use obscene or profane language; or
    repeatedly use the phone to annoy someone.

False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:
    falsely claim that they are attorneys or government representatives;
    falsely claim that you have committed a crime;
    falsely represent that they operate or work for a credit reporting company;
    misrepresent the amount you owe;
    indicate that papers they send you are legal forms if they aren?t; or
    indicate that papers they send to you aren?t legal forms if they are.

Debt collectors also are prohibited from saying that:
    you will be arrested if you don?t pay your debt;
    they?ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
    legal action will be taken against you, if doing so would be illegal or if they don?t intend to take the action.

Debt collectors may not:
    give false credit information about you to anyone, including a credit reporting company;
    send you anything that looks like an official document from a court or government agency if it isn?t; or
    use a false company name.

Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:
    try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt ? or your state law ? allows the charge;
    deposit a post-dated check early;
    take or threaten to take your property unless it can be done legally; or
    contact you by postcard.

Can I control which debts my payments apply to?
Yes. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don?t think you owe.

Can a debt collector garnish my bank account or my wages?
If you don?t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt.
Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don?t ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.

Can federal benefits be garnished?
Many federal benefits are exempt from garnishment, including:
    Social Security Benefits
    Supplemental Security Income (SSI) Benefits
    Veterans? Benefits
    Civil Service and Federal Retirement and Disability Benefits
    Service Members? Pay
    Military Annuities and Survivors? Benefits
    Student Assistance
    Railroad Retirement Benefits
    Merchant Seamen Wages
    Longshoremen?s and Harbor Workers? Death and Disability Benefits
    Foreign Service Retirement and Disability Benefits
    Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.
    Federal Emergency Management Agency Federal Disaster Assistance
But federal benefits may be garnished under certain circumstances, including to pay delinquent taxes, alimony, child support, or student loans.

Do I have any recourse if I think a debt collector has violated the law?
You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can?t prove that you suffered actual damages. You also can be reimbursed for your attorney?s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector?s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.

What should I do if a debt collector sues me?
If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights.

Where do I report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General?s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General?s office can help you determine your rights under your state?s law.

For More Information
To learn more about debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government?s portal to financial education.
The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad
February 2009

File complaints with

Federal Trade Commission  https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en

Your State Attorney General
State Attorney General is every state they have offices

Link to all State Attorney General Websites www.naag.org

If you or they are located in NY ? use this SPECIAL Link  www.NYDebtHelp.com
This special website was created by NY AG Andrew Cuomo specifically for reporting illegal debt collection practices.  HE?S CRACKING DOWN AND SHUTTING THEM DOWN!

Also report your calls and contacts with debt collectors at http://www.budhibbs.com/index.html  If the company is listed under agencies ? report there. If not on the list YET, click on Watchlist! and add to the list.   You can also post here http://www.collectorsexposed.com/forum2/index.php?board=2.0

I received a call from this number asking me to verify my social security number, which was incorrect. They did not identify themselves until I requested ID. They then asked me to provide my birth information. I told them i would verify what they provided as correct or incorrect. They hung up on me with no conversation or reply. I was polite, they were extremely abrupt.

will report me to fraud.

keep harrasing my number

Bottom feeder scum. They troll for people with same or similar name as a debtor. Read them your rights under Fair Debt Collection Act. Phone the CEO Brian Peek at 205-580-6102. Go to American Coradius International, LLC web site. They are located in Buffalo, NY.

If you owe the debt, contact the creditor directly to make payment arrangements. If you do not owe the debt, give no information, notify to not call, send certified letter setting out a demand to not call.

Do not verify social security no, dob, or any other info. If you make debt arrangements, never give a bank account no. Always require the collection agency, or creditor, write you setting out any payment, or settlement agreement. Pay by money order, not check, as they can capture your account no. Keep all receipts. Check state law for statue of limitations.

Listen to Dave Ramsey and get out of debt! If all else fails, consider bankruptcy! Be agressive and pro-active. Do not let anyone intimidate you. Again, if you owe money, pay it. Do not be a dead beat. Do not let anyone make you lose your dignity. Everyone has problems even if self induced. Identify the problem and fix it!

Good luck,


Jim

same idiots calling me every second day to asking to speak with my wife
I called them back to figure out who they are by speaking with secretary I understood all of them are idiots

He said my name and asked if that was me. I said yes.  He asked if my birth date was such and such. The birthdate was about 30 years off.  Asked if the last 4 of my social were xxxx. This was correct. I said yes.  He asked if I ever had a mortgage with such and such. I said yes, it was about 4 years ago. He said "whats up with that?"  I said I am in a bankruptcy and he asked for my lawyers number. I gave it to him.  I wish I didnt speak to him at all.a call they said they were looking for my brother and I said didn't live here.  They were rude so I was rude.  The other day I got a number from another place for him.  He said he doesn't owe anyone.  The next time I get a call I'm going to mess with their heads and get them all worked up.  Why harass me for someone else's issue (if there is one).
I pay my bills

These peoples still caliing to my house r such a SCAM people , please I already did the report to the authorities , i Hope r going to do something about  it ,we re so tired

got a call they said they were looking for my brother and I said didn't live here.  They were rude so I was rude.  The other day I got a number from another place for him.  He said he doesn't owe anyone.  The next time I get a call I'm going to mess with their heads and get them all worked up.  Why harass me for someone else's issue (if there is one).
I pay my bills

Stop to call to my house , You ar such a loser peoples !!! STOP TO CALL to my house IM GOING TO REPORT THE AUTHORITIES RIGHT NOW !!!or what ever i have to do , stop to calling to my house.

Got a call from this number about a credit card that I haven't had for almost 10 years.  I owe nothing on this.  They got very annoyed when I referred to the Fair Debt Collect Act which allows me the right to request something in writing prior to discussion of a debt.  She then began yelling saying that she needed to tell her "client" something.  I then repeated my request for written information, and she hung up on me.
Anyone that actually hangs up on you when trying to get money from you is a complete fraud!

Got a call from ACI American Co from this number wanting my son to call them for a non existant debt. The return number the automated "bot" gave me was 888-863-8459. After looking the company up online and seeing the numerous complaints and scams being attempted, I called my son to warn him about this and will be contacting our State Attorney Generals' office to lodge a complaint as well.

He said my name and asked if that was me. I said yes.  He asked if my birth date was such and such. The birthdate was about 30 years off.  Asked if the last 4 of my social were xxxx. This was correct. I said yes.  He asked if I ever had a mortgage with such and such. I said yes, it was about 4 years ago. He said "whats up with that?"  I said I am in a bankruptcy and he asked for my lawyers number. I gave it to him.  I wish I didnt speak to him at all.

i rcvd a call from this number and when i answered they hung up on me. i tried calling back and there was no answer. i have no idea who they are

I just got a call last night from this number regarding a debt I guess my mom may have owed.  The guy rudely asks "do you have power of attorney" and I respond: "I am not sure, what is this about?"  And he rudely responded:
"Are you an idiot?  It is a yes or no question?"  I immediately got upset and said "excuse me", he replied "you Pennsyltucky fu**er, are you an idiot?"  

I am sure this is illegal.  I know it is harrassment.  I want to know how I can pursue legal action against this company.  I obviously did not get the coward's name.

Got about 3 messages looking for one of my siblings. The messages were very misleading, "not sure how i got your name but you may have been listed as secondary contact". What a bunch of crap. No way I was listed and it was pretty obvious they were a collection agent.

So then they end up calling me and I pick up asking for the sibling. I state that I received the prior messages, that that person does not live here and to quit calling. She goes on with questioning how I know the person. I ask what it's in regards to and she keeps repeating how do I know this person and that I have to disclose how to get in contact with her. I let her know again not to call and that I'm on a federal do not call list; she responds laughing that I'm not on her do not call list; I hung up and called the company and the operator tells me she will only take me off if I don't know the person they are calling about - i repeat that they don't live hear and to take me off - she hangs up on me; I keep calling back and everytime the operator sees my number; she picks ups w/out a greeting and puts me on hold - this happens several time; finally I called and used the names directory and get the Steve Moeller, Quality Assurance Mgr listed in someone else's complaint above; he was polite and removed me but really didn't seem all that interested in how both of the company's employees acted

We owe nothing to this company or any other collection agency. They say they are looking for a "Gregory Walker". There has never been anyone by that name at this address or number. They are harrassing, rude and disrespectful.

Ask for my doughter

called on my cell phone for my adult son; knew zip about him
said he gave them my number, then later, my number cameup on paper somewhere. Want money for something settled 3 years ago 7k owed will go away for 2K

American Coradius International, LLC.
Aka/ ACI
2420 Sweet Home Rd, #150
Amherst, NY 14228
800-759-2241
716-634-7955
888-400-7740
877-255-6382
888-400-7804
Fax:716-634-8531
   716-634-7084

Web Address: http://www.americancoradiusinternational.com/

Current Management:   Brian Peek, CEO
Steve Moeller, Quality Assurance Mgr
Bob Duggan, Floor Manager

http://www.budhibbs.com/debtcollectorpages/american_coradius.htm