Advanced Capital Solutions

An agent from Advance Capital Solutions called me a few months back to try and collect a debt from a creditor which told me that they had an inside collection agency and the debt is now about 5 years old. The agent who called was very rude and aggressive towards me and was demanding payment immediately. I explained to him my situation as I was homeless at the time living from a Motel and he called me a liar "he heard better excuses than that before". I told him the manager can call me and speak to me. Well they had also contacted my employer trying to collect money so I started paying them. Now I am starting to believe this is all a fraud and I have been paying money to a scam artist. They do not sound professional on the phone what so ever, always have attitude and always call from different numbers.

On or about February 11, 2019, I received a call from Advance Capital. I took my 10 minute break to call them back. I spoke to a representative, I think his name is ***. He was initially somewhat cordial. I explained my financial situation and shared that I was dealing with medical issues, severe depression and suicidal thoughts to which I was under the care of a therapist for. I think I even shared that I have PTSD. He said, you know what, all those things you said, I have experienced too, and then went on to admonish me. He then offered a hardship payment plan. I explained that I could afford the payment plan that he was offering at this time. I believe I offered an alternative, to which he scoffed at. He then started bashing me, stating that I committed fraud, and that I had no intention of paying back my loan, etc. etc. I remained calm and said that was untrue. Due to the way he was belittling me and talking down to me, I believe I said how is bashing me helping the situation. I then said that I would need to call back (my break was ending) to which he raised his voice at me and said no you are not, I am transferring you to another department and put me on hold. Even though I needed to go back to work, I remained on hold for at least another minute and no one got on the line. At that time I hung up.

That call left me completely unraveled and upset. Even after I shared that I have suicidal thoughts. That experience left me completely traumatized about calling them back. Their level of harassment and lack of professionalism was baffling.

It should also be noted that they called and left detailed account information with my former spouse, they have no right to do so. They called him even though they had correct contact information for me and had left voice mail messages for me and had spoken to me.

After this call, I realized that I had not received anything in writing from them regarding this bill. As of today, I still have yet to receive anything in writing.

This company is horrible with how they handle things! They do not describe what they are calling you for and they constantly call you all through out the day and call family members, my parents constantly get phone calls from they after they have already explained to them that I know longer live with my parents, and last time I checked IT IS ILLEGAL to give anybodies personal information out to anyone. I want the calls to stop, I do not care what you say I owe, I am not paying you or anyone else ANYTHING and do not ever call my phone with threats again. The calls stopped with you all for a while, then started back up again today. STOP CALLING MY PHONE! I have explained to all before I don't have time for it, I have a life and a job that you all are effecting, and if you call anyone again regarding my information and giving that out I will be contacting a lawyer and suing you all for HARASSMENT !!!!!! I can almost promise you! STOP CALLING ME AND MY FAMILY!

They call me constantly from different numbers claiming they can work a deal for me. I declared bankruptcy last year when I was absolved of this debt but they persist in calling me and telling me I must still pay them.

This company sent me an email today with a grossly exaggerated amount owed by myself to a former debtor. Before I could address and respond to their inquiries, they called my elderly, sick parents to leave me a message. Did I mention and they left another message on my cell phone. These actions are very upsetting to my mother, who has heart failure issues. For that very reason, I NEVER give out my parent’s phone number.

It is so ridiculous that they go so hard and so crazy for something that they have no idea on. They act as if I personally owe them and I do not. Isn’t there some consumer protection from the scare tactic actions of collections agencies??? I totally dispute this debt, but they would know that if they gave ME a chance to respond and address. Calling my parents or any other family member of mine is absolutely deplorable and it doesn’t make me any more anxious to work with your company because of these tactics.

Was contacted by this “company” for a debt owed 5 years ago... when they called, the rep on the phone was very aggressive and rude. He wanted payment and I explained that until I received something in the mail stating who they were and what was owed, etc... I would not pay anything. I am not going to hand out money over the phone to someone I’ve never heard of, sorry. Well, I received their letter in the mail and let me just say, it looks like a middle schooler typed it. For starters, the address on the letter is WRONG! It is not their physical address, though it plainly says it is. Furthermore, they do not even have my name correct... The letter was generic and used poor grammar and punctuation, or lack thereof. There was not even a closing at the end of the letter. This “company” obviously has shady business practices and employees who cross lines without reprimand. As far as I’m concerned this business is a scam with incompetent employees.

I received a missed phone call (not the 1st time)and voice message looking for a J V. The message was from *** with Advance Capital Solutions regarding a debt, stating if I did not return the call by 9pm, it would be documented as refusal to pay. She also left a return callbac***. However, the call was apparently "attached" to a different, local number that appeared by caller ID on my phone.
First of all, I do not know a J V. Secondly, I do not appreciate unwanted calls to my personal cell phone regarding someone whom I do not know, and ONLY happen to have the same last name.
If I receive any more calls, I will take it further than filing a Revdex.com complaint. I WILL report it as harassment communications. Maybe these companies need to reassess their process for verifying information, because these harassment calls are ridiculous!!!

They called today told me I had a debt . I Explained that is not my debt . *** got fired up and raised his voice at me threatening legal action . I asked him to send me a detailed copy of debt and transactions . He sent me a letterhead with an amount . He was very rude and I may contact a lawyer to recieve civil compensation

This company has called claiming they have made several attempts to reach me. They leave no information as to who the debt is for or what the debt is about. If they have information they need to provide to me they need to send it via mail with documentation so the issue can be resolved. I am not going to provide details to ANYONE who is supposed to have the details. To many scammers out and I don't have a past due. Threatening messages are also not acceptable.

Today, I received a random phone call from a random representative without any identification of whom was calling. A voicemail was left at 2:12 pm EST and was converted to text stating: "This message is for Cr Rl calling regarding a matter that has been documented as a "refusal to pay." However, my client did want me to reach out to you personally and give you an opportunity to resolve this matter voluntarily. My toll-free number is *** Within an hour and a half, I received a phone call from a relative with a voicemail from *** at Advanced Capital Solutions calling regarding an account with my name and SSN. I was instructed to call him back at the same phone number ext. ***. as soon as possible to resolve this matter without further action. With no time to respond, this would fall as harassment. I am completely and utterly appalled at the tactics used by this company. This is highly unethical with no formal verification process. I do not understand how agencies such as this one continue to remain in business.

I have been receiving numerous phone calls from this Advance Capital Solutions company including different number. They claim I have owed debt yet they want all my personal information including my social security number. They refuse to tell me what I apparently owe and to who. They say they need to send some paperwork out to me. I have since blocked all their numbers from my phone so when they call they go straight to voicemail. This morning I heard all my blocked voicemails and I had 2 threatening messages from a James extention *** and one from some lady saying if I don't call back within a certain time "their client" was going to take further action. These calls need to stop! They are getting out of hand

My older brother who lives two hours away from me got a call from this company stating that I needed to call them immediately, because they were going to take legal action against me, but had to contact me first. They've left messages on his phone and called him many many times. Although, they haven't once tried to contact me via mail, email, or phone. When I did try to call back the number, there was no contact information as to who they were, it just went to a voice mail. I feel like this is extremely wrong, since they haven't even reached out to me if I do owe something that I'm not aware of.

Over the past several months I have received several calls a week from this company stating they have a file on me regarding a delinquent account and when I did call to inquire I was not given the name of the company I supposedly owe money to so I figured it was a scam and ignored calls. They have called my family members, but I keep getting several calls weekly to my office phone. Today the message left on my office voicemail sounded threatening and stated I have until 6 pm to contact them or it is my "file" is being turned over. Whoever they are should not be calling me at work. I never received a letter in the mail regarding this matter.

Out of the blue I recieve a phone call from this number. And they say there looking for my brother because they said they have a case involving him.they asked if I had anyway of contacting him.I said no because we don't live with each other and were all in separate states.so no I don't have a better way other than the number they already have.first thing in thinking how did they find my number.and secondly why would they call my wife too?! Looking for some one who she is not even related to.and how did they get my wife's number?! Idk who these people are but this isnt right calling other relatives And relatives spouses for cases not pertains to us.we NEVER agreed for them to call us.

I have received 6 calls from Advance Capital at my work place and have told them 2 times NOT to call my WORK or I wouldn't have a job any longer. So they called my daughter so I again told them not to call my daughter. They have my phone number they can call it! I did talk to one nice person and was trying to work out a payment plan but I just couldn't pay what they are asking. I mean something is better than nothing! My husband can't work because he has a brain injury so only income is mine. Instead of harassing people why not be nice and work with them?

I want to file a complaint against advanced capital solution they are calling family memebers and harassing them on the phone and asking for my personal information and the company has not sent me a bill or notice and they want people to give them my information I want them to stop calling and harassing me and my friends and family.

Received a threatening phone call from a man that stated to call him back immediately! If I didn't call them back they would take legal action against me. This man didn't state what the issue was about. They wanted my social security number as well and knew the last four digits somehow! I do know that my personal information was compromised at work about three years ago and they got addreses, phone numbers and SSN numbers of all the employees. I'm sure this agency got it from this! Please help and put this despicable company out of business! Thank you.

They called several times harassing me and my partner over a bill which they will not confirm any details too. I have asked the to cease calling me on my cell phone several times and still receives calls daily.

This company has ben calling my phone trying to get my personal information. I hang up on them as a result. They call my phone all day very day. Now they have started calling my job and even went so far as talking to one of my managers and when my manager asked what company they where from and why they was calling a business number, they number up.

Advanced Capital called me while I was driving down the freeway. I immediately told the guy that I wanted to discuss options to resolve my debt. One of the options was to transfer my debt into my wife's name and the debt would be lowered. I told him i'll need to talk to my wife first (obviously). He insisted that I ok it right then & there, threatening that if I hang up and call back after speaking to my wife, the deals off the table. I told him that i'm not going to allow him to place a debt under a third party without their knowledge. He started demanding information from me, where I reminded him that I was driving. "You can't pull your wallet out while driving?" I said I can't pull my wallet out & dig through it & then read off information while driving. "There's stoplights." I was on the freeway, but even still.
Since I refused to allow a debt to be attached to someone else without their knowledge and refused to dig through my wallet & read while going 70mph, they pulled the deal & hung up on me.
I haven't looked into it yet, but I'd think that putting a debt under someone's name without their consent would be illegal. I also think that forcing someone to put their life and the lives of other drivers at risk would be illegal too.
Mind you, I insisted on working with them, all I asked was to be given a chance to speak to my wife.