Complaints

This profile includes complaints for Advanced Collection Bureau, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Advanced Collection Bureau, Inc.

  1535 Cogswell St STE B8 Rockledge, FL 32955-2739

• 

  Advanced Collection Bureau, Inc.

  PO Box 560063 Rockledge, FL 32956-0063

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:11/06/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for the debt with THE *** ********* *** APARTMENTS. I do not have a contract with ADVANCED COLLECTION BUREAU and when I requested they provide me with original contract, they did not.

  Business Response

  Date: 11/20/2023

  This complaint is the first written communication
  we have received from you. We have now marked your account in dispute and have
  mailed you validation of what our client still states is an accurate debt,
  including your lease contract, application and ID, to the address we have on
  file for you because you did not provide any address on this complaint.
  Creditors have the right in the
  normal course of business to employ a third party such as our company to
  attempt to collect their past due accounts. It is quite legitimate and
  appropriate for an account, including credit reporting, to be handled through
  our company as agent for the original creditor.

• Initial Complaint

  Date:10/10/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with VIDA QUE CANTA. I do not have a contract with the Advanced Collection Bureau, Inc. They did not provide me with the original contract as requested.

  Business Response

  Date: 11/03/2023

  This complaint is the first written communication
  we have received from you. We have now marked your account in dispute and have
  mailed you validation of what our client still states is an accurate debt,
  including your lease contract, to the address you provided in your complaint.
  Creditors have the right in the
  normal course of business to employ a third party such as our company to
  attempt to collect their past due accounts. It is quite legitimate and
  appropriate for an account, including credit reporting, to be handled through
  our company as agent for the original creditor.

  Customer Answer

  Date: 11/13/2023

  
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********* and find that this resolution is satisfactory to me.
  
  
  
  
  Sincerely,
  
  
  
  ***** ********

• Initial Complaint

  Date:08/31/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with Advanced Collection Bureau, INC. I do not have a contract with Advanced Collections Bureau, INC. They did not provide me with the original contract as i requested.

  Business Response

  Date: 08/31/2023

  We
  are more than willing to help you resolve this account but we have already
  replied to similar complaints from you twice before, once on 10/2/2021 and
  again on 3/28/2022 when we advised you :
  "Full validation
  of debt was sent to you, at your request, 10/2/2021. The verification included
  move out statement and signed document. The identification information provided
  on this debt all seems to match your current information. If you have a specific
  dispute or concern please contact us directly so we can investigate but, as
  noted in the validation of debt sent to you 10/2/2021, the debt appears to be
  accurate and valid."
  
  As a courtesy we are again mailing you the same
  information for your review via certified mail ********************* to the
  address you provided on this most recent complaint. Please contact me directly
  if you need further assistance. Thank you, Matthew S****** **************

   

   

• Initial Complaint

  Date:08/08/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I'm disputing an incorrect balance of 558$ reported on my credit report by the Advanced Collection Bureau, related to alleged water damage at my former residence, Innvo Sunrise Apartments. According to my lease agreement, the landlord is responsible for such damages.
  
  Upon moving out, no walkthrough was conducted to assess potential damages. Months later, we received a bill for water damages allegedly caused by the drain and sewer. However, our lease (page 3, section 10) states that the landlord is responsible for water and sewer utilities.
  
  Furthermore, page 7, section 31 of our lease agreement under "DAMAGE OR DESTRUCTION OF PREMISES" states: "In the event of damage or destruction to the premises by fire, water, or other hazard, or in the event of malfunction of equipment or utilities, Resident shall immediately notify Landlord." We complied with this requirement by promptly notifying the landlord of the issue.
  
  The same section further states: "If the damages are such that occupancy of the premises as a whole can be continued, Landlord shall make repairs as needed with reasonable promptness and rent shall not abate during the period of such repairs." This clause clearly indicates that the landlord is responsible for making necessary repairs related to water damage.
  
  Despite these clear terms in our lease agreement, the landlord and Advanced Collection Bureau are attempting to hold us financially responsible for these damages. We have disputed this issue with the landlord, but they have refused to honor the terms of our lease agreement. It appears that they are working in tandem to unjustly extract additional funds from us.
  
  We believe that this is a clear violation of our rights as tenants and a breach of our lease agreement. We request your assistance in resolving this matter and ensuring that the incorrect balance reported by the Advanced Collection Bureau is rectified.
  I trust in your ability to ensure fairness & justice in this situation

  Business Response

  Date: 08/15/2023

  We forwarded your dispute to our client who verified
  the debt is still valid and accurate, stating to us:
  “I have reviewed
  file thoroughly, I'm attaching the
  supporting documents, and pictures as evidence for the charges listed in the
  Request for Security Deposit Refunds Form.  Pursuant to the
  lease agreement between the lessee and the lessor, the lessee is obligated to
  report maintenance issues to the Lessor, and in this case the Lessee failed to
  report the water damage to the floor.“
  
  Today we mailed you
  verification of the debt to the address you listed in this complaint via
  certified mail *********************  for
  your review and in the meantime we are asking the credit bureaus to remove this
  account from your history. After you review the validation of the debt, please
  contact our office to make arrangements.
  

  Business Response

  Date: 08/22/2023

  We have cancelled this account and it has been returned to our
  client.
  
  We had previously contacted the credit bureaus to delete this
  account from your credit file. 

  Customer Answer

  Date: 08/29/2023

  
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********* and find that this resolution is satisfactory to me. Thank you
  
  
  
  Sincerely,
  
  
  
  ******* **************

• Initial Complaint

  Date:08/07/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with **** ***** I and do not have a contract with Advanced Collection Bureau, Inc. They do not provide me with the original application like I asked.
  
  This is an unlawful collection. It was for an apartment during the start of the COVID-19 pandemic. They gave me an eviction notice (illegal at the time) as there was an eviction moratorium through January of 2021. I knew the eviction notice was unlawful but instead i turned in my keys willingly surrendered the apartment even though what they were doing was unlawful at the time. This is unlawful to be a collection. I agreed they could take my last month rent and my security deposit. And they did. This is absolutely inhumane to have a collection like this on my credit report during the pandemic.
  I will be going to the news with this story if this is not resolved as this is a horrible greedy and dishonest business practice.

  Business Response

  Date: 08/18/2023

  We forwarded your dispute to our client for review but they
  have been unresponsive, so we have cancelled and returned the account to the
  original creditor. We are now asking the credit bureaus to remove this file
  from your history. Please allow the credit bureaus up the 30 days to make the
  changes.

  Customer Answer

  Date: 08/21/2023

  
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********* and find that this resolution is satisfactory to me.
  
  
  
  
  Sincerely,
  
  
  
  ***** *******

• Initial Complaint

  Date:08/02/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with ****** **** Apt. I do not have a contract with the collection agency Advance Collection Bu. They did not provide me with the original contract as requested

  Business Response

  Date: 08/03/2023

  Creditors have the right in the normal course of business to
  employ a third party such as our company to attempt to collect their past due
  accounts. It is quite legitimate and appropriate for an account, including
  credit reporting, to be handled through our company as agent for the original
  creditor. Our client continues to report that this is a valid debt and we have
  previously provided you verification of the debt on several occasions. It is your
  right as a consumer to dispute a debt and we have marked our records as such
  and have conveyed this disputed status to the credit bureaus. Our notes indicate
  that you have called our office on several occasions offering to settle the
  account for less. Please feel free to contact me directly if you need any additional
  assistance. Thank you, Matthew S******* *************

  Customer Answer

  Date: 08/13/2023

  No resolution 

• Initial Complaint

  Date:07/24/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Upon recent knowledge of collections on my consumer report reported by Advance Collection Bureau, Inc. I filed a dispute with ****************** *** ******** informing each credit bureau of the account on my consumer report which didn’t belong to me and stands incomplete and inaccurate in direct violation of 15 U.S.C. § 1681]
  
  (1) The banking system is dependent upon fair and accurate credit report- ing. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
  
  The reporting business removed identical accounts from both transunion and equifax consumer reports:Between Mar 25, 2023 and Mar 26, 2023, your
  ADVANCED COLLECTION collections account was removed from your credit report.,Between Mar 26, 2023 and Mar 29, 2023, your
  ADVANCED COLLECTION collections account was removed from your credit report.
  This account doesn’t belong to me as they have shown direct knowledge of inaccuracies with the account by removing the identical information from other consumer reports as shown above. They’ve refused to comply with the obligations of consumer reporting laws and regulations. Advance collection has also provided information stated to be validation of debt that is in direct violation of HIPPA regulations as well as rules governing debt validation per § ******* Notice for validation of debts. I am not liable for this debt/account .

  Business Response

  Date: 07/24/2023

  We answered this same complaint from you on the ****** website on 07/14/2023 when we wrote to you: “We marked your account in dispute
  and forwarded your complaint to our client who stated that the debt is still
  accurate and valid. Today we mailed you validation of the debt via certified
  mail *********************** to the address you provided on this complaint.
  Please review the information, which our client states is a valid and accurate
  debt, and then mail us payment or contact us directly if you need additional
  assistance. Thank you, Matthew S******* **************

  Customer Answer

  Date: 08/09/2023

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:

  This account was in fact disputed with ******* credit bureau and was requested to be removed as it was not mine and inaccurate . As seen in the screenshot shits the accounts were in fact deleted from my ******* consumer report. This account doesn’t belong to me and I’m requesting that this account be immediately removed from my credit profie.

  
  
  
  
  Sincerely,
  
  
  
  ***** **** ****** *

  Business Response

  Date: 08/23/2023

  We have already replied to this complaint.

• Initial Complaint

  Date:07/13/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Advanced Collection Bureau has put on my credit report a collection that I owe money for an apartment complex that I've never lived at. After numerous disputes, they have refused to provide an original contract with my signature. I've lived in my home for the past 16 years and have never lived in the complex. I have no knowledge or contract with Advance Collectin Bureau.

  Business Response

  Date: 07/14/2023

  We are always willing to help investigate claims of fraud or identity theft but our clients require a police report be filed by the consumer for this specific instance of fraud or identity theft and for that police report to be provided to us along with a copy of their ID and their signature. We have not received any of those items from this consumer yet, but in the meantime, we have mailed them validation of the debt to the address provided by them on this complaint, including the signed contract that our client has on file, for their review and we will await further correspondence from the consumer. We have also marked this file in dispute. The consumer can call us directly for additional assistance at 321-633-4999.

• Initial Complaint

  Date:01/30/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  It has recently been brought to my attention that Advanced Collection Bureau was reporting an account to all three Credit Bureaus. ********** and ******* have removed this account in good faith, since they did not find sufficient evidence to validate it. However this account is still showing on my ******** Credit report. This account has made it impossible for me to rebuild my credit and rent/purchase a home. The financial burden of this account is holding me back from being able to afford continued medical treatments. I have not received a letter validating the alleged debt and do not think that it has been sent to the correct address. Furthermore I dispute that this is a debt that I owe. My correct address is the one attached to this complaint. I would have disputed it from the beginning if I had received the proper documentation. I request that this alleged debt be removed from the final Credit Bureau (********) on my credit report, so that I can continue medical treatments. Thank You.

  Business Response

  Date: 01/31/2023

  We are sending validation of your debt to the address you
  have provided on your complaint. After you review it, please contact us at
  321-633-4999 if you would like to discuss it further.

• Initial Complaint

  Date:10/12/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with Advanced Collections Bureau and do not have a contract with them. They did not provide me with any original documents or signatures like I asked. This debt was not properly validated.
  

  Business Response

  Date: 11/21/2022

  Business Response /* (1000, 8, 2022/10/28) */
  Your debt was fully and properly verified 8/26/2021. As a result of this complaint we have re-sent full validation including full itemization of charges from original creditor as well as the first and signature page of your lease. Validation was sent via certified mail *************************. As to not having a contract with our company creditors have the right in the normal course of business to employ a third party such as our company to attempt to collect their past due accounts. It is therefore quite legitimate and appropriate for the account, including credit reporting, to be handled through our company as agent for the original creditor.