Complaints

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

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  Automated Collection Services, Inc.

  304 Northcreek Blvd Goodlettsville, TN 37072-2096

  
• 

  Automated Collection Services, Inc.

  PO Box 1489 Goodlettsville, TN 37070

  

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:02/19/2025

  Type:Service or Repair 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.

  Dispute Letter: Taderykah **** ************************************* Automated Collection Service, **** *************************************** **************, *** ***** I am reaching out to whomever this matter concerns on behalf of myself, Taderykah **** a federally protected consumer. I am enforcing my rights according to 15 USO 1692g by asking your company to VALIDATE the alleged debt as well as send me evidence that I am obligated to pay this alleged debt. I am not refusing to pay the debt but rather asking your company to validate this debt as it is your lawful duty when asked by a consumer.I am also making your company aware that invalidated information on my consumer report may be fraud under federal and state laws, and I will not hesitate to bring forth legal action if my rights continue to be violates under the ***** and ****. You have 30 days to validate this debt and during this time all furnishing and collection activities must cease and desist through any and all mediums including my consumer report. If your company and/or office fails to respond within 30 days to validate this debt it shall be deleted and removed from my credit file immediately. I have also attached CEASE AND DESIST is that is effective immediately. If adverse action is taken against me as a consumer i will consult my legal counsel. Please be advised that according to 15 *** 1692g - Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, Asheville at Spring Branch a statement that unless the consumer, within thirty days after receipt of the notice disputes the validity of the debt or any portion there of, the debt will be assumed to be valid by the debt collector statement that, upon the consumer's written request within the thirty-day period Thank you.

  

  Business Response

  Date: 02/27/2025

  My name is **** ******. I am the Vice President of Compliance for RentDebt Automated Collections, LLC and I have been asked to respond to ******************* complaint. **** has completed its investigation, and the results are as follows.
  
  *** ***** account was placed with RDAC for collections, on April 13, 2022, by ***** client Asheville at ************* (********************) with a balance of $2,152.14. On April 14, 2022, RDAC mailed its initial collection letter to *** **** at her last known address: *********************************************. That letter included the required notice of validation rights pursuant to section 809 of the Fair Debt Collection Practices Act and was not returned as undeliverable to **** by the *******************.
  
  On June 10, 2022, **** reported *** ***** account to the three national consumer reporting agencies (********, **********, and *******) (****) with permission from our client, Asheville at *************. On May 30, 2023, **** received the first of several disputes forwarded by the **** on *** ***** behalf. After investigating *** ***** claims, **** responded to each dispute by updating her tradeline to disputed and indicating the disputed information was correct. An additional dispute forwarded from the **** received on November 1, 2024, indicated *** **** believed this account was a result of identity theft. RDAC mailed *** **** an identify theft packet on November 4, 2024 to the address listed on her dispute, however on December 10, 2024 that packet was returned, RDAC remailed that packet on January 29, 2025, once we were able to update her address however that packet was returned as well on February *******. **** is unable to remove this trade line from *** ******* consumer reports. It is ***** responsibility as a data furnisher under the Fair Credit Reporting Act (FCRA) that **** report complete and accurate information to the CRAs.
  
  In order to complete the identity theft review, *** **** must return the completed identity theft packet attached to this complaint along with the necessary supporting documentation: the signed and notarized identity theft affidavit, a copy of the police report of this identity theft and a color copy of her state-issued ID. *** **** can either mail this information to: RDAC / ************************************************************** or email it to ***********************
  
  As of February 26, 2025, **** has not received a direct dispute from *** ****.Please find copies of *** ***** final account statement and signed application provided by our client, Asheville at *************.
  
  Pursuant to *** ***** request in her complaint, **** has marked her account to cease all contact with her.
  
  We welcome *** **** to contact our office at ************** Monday Thursday from 8:00am to 7:00pm and Friday from 8:00am to 3:00pm Central Time, to discuss options that might be available to her and to assist in resolving her account.
  
  Thank you for the opportunity to respond to this complaint.
  **** Burgos 

• Initial Complaint

  Date:02/13/2025

  Type:Order 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 Columbus, GA / *************. I do not have a contract with Automated Collections, and they did not provide me with the original contract, as I requested.

  

  Business Response

  Date: 02/21/2025

  ******* ********,
  
  Please be advised that this account was closed and returned to our client Columbus Ga / EMS Ambulance and Automated Collection Services, Inc. (ACSI) is no longer involved in the collection of this account. On February 21, 2025, ACSI sent a request to the credit reporting agencies (****) to delete this trade line with AUD control number ********. Please be advised, though ACSI have already sent this request to the ***** it can take up to 90 days for them to actually remove the trade line and this is outside of our control.
  
  Thank you for the opportunity to respond to this complaint.
  **** ******

• Initial Complaint

  Date:02/10/2025

  Type:Service or Repair 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.

  Keep getting solicitations over the phone demanding payment for a debt that dosent exist. I dont know anyone in *********

  

  Business Response

  Date: 03/05/2025

  My name is **** ******. I am the Vice President of Compliance for Automated Collection Services, Inc. (ACSI) and I have been asked to respond to ***************** complaint. ACSI has completed its investigation and the results are as follows.
  Ms. ***** has three accounts placed with ********************** for collection.Those accounts were placed on September *******, by ACSIs client Educational **********************, with a combined balance of $ ********. On February *******, ACSI mailed its initial collection letter to Ms. ***** at her last known address: ****************************************************. That letter included information for all three of her account, and the required notice of validation rights pursuant to section 809 of the Fair Debt Collection Practices Act. As of the date of this response, that letter has not returned as undeliverable to ACSI by the *******************. There have been serval interest adjustments on Ms. ****** account since the account was placed in our office making his current balance $$9,522.56.
  According to ACSIs records, we have called Ms. ***** several times but never more than five times in any seven-day period. ACSI has updated Ms. ****** account to no longer allow outbound calls.
  On February 25, 2025. ACSI received a direct dispute from Ms.******. On February 26, 2025, ACSI mailed Ms. ***** copies of her promissory notes, Borrower Snapshot, and payment history from our client, **********************************, along with her account transaction history since being placed in our office in response to her dispute. ACSI has attached a copy of that dispute response to this complaint response for her records.
  We welcome Ms. ***** to contact our office at ************** Monday Thursday from 8:00am to 7:00pm and Friday from 8:00am to 3:00pm Central Time, to discuss options that might be available to her and to assist in resolving her account.
  Thank you for the opportunity to respond to this complaint.
  **** ******

• Initial Complaint

  Date:01/24/2025

  Type:Order 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 Automated Collection SVC. I do not have a contract with the collection agency. They did not provide me with the original contract as requested.

  

  Business Response

  Date: 01/30/2025

  My name is **** ******* I am the Vice President of Compliance for Automated Collection Services, Inc. (ACSI) and I have been asked to respond to ***************** complaint. ACSI has completed its investigation, and the results are as follows.
  Mr. **** has two accounts placed with ********************** for collections by ACSIs client, Nashville Fire and EMS. Both accounts were placed on July *******, both with a balance of $715.00 for a total balance due of $1,430.00. On August 9, 2021, ACSI mailed its initial collection letter for both accounts to Mr. **** at his last known address: ******************************************** Both letters included the required notice of validation rights pursuant to section 809 of the Fair Debt Collection Practices Act and neither was returned as undeliverable to ACSI by the ********************
  On January 10, 2022, ACSI reported both of Mr. ***** accounts to the three national consumer reporting agencies (********,**********, and *******) (CRAs) with permission from our client, Nashville Fire and EMS. ACSI is unable to remove this trade line from Mr. ***** consumer reports. It is ACSIs responsibility as a data furnisher under the Fair Credit Reporting Act (FCRA) that ACSI report complete and accurate information to the CRAs.
  On June 24, 2024, Mr. **** called ACSI. During that call, ******* agreed to make preauthorized payments of $25.00 per month for 12 months.ACSI was only able to successfully process one payment on June 28, 2024, and that payment was spilt between both of his accounts, making the balance due $702.50 for each account, with a total amount due $1,405.00. Mr. ***** remaining payments were deleted after two consecutive payments were declined.
  As of January 28, 2025, ACSI has not received a direct dispute from Mr. ***** We have included copies of Mr. ***** account statements for both accounts with this response for his records.
  We welcome Mr. **** to contact our office at ************** Monday Thursday from 8:00am to 7:00pm and Friday from 8:00am to 3:00pm Central Time, to discuss options that might be available to her and to assist in resolving her account.
  Thank you for the opportunity to respond to this complaint.
  **** ******

  Customer Answer

  Date: 01/30/2025

   
  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:01/14/2025

  Type:Order 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 **********I do not have a contract with the collection agency reporting this debt.Automated Collection Services did not provide me with a contract that was requested.

  

  Business Response

  Date: 01/16/2025

  My name is **** ******* I am the Vice President of Compliance for RentDebt Automated Collections, LLC (RDAC) and I have been asked to respond to Mr. ****** ******* complaint. **** has completed its investigation and the results are as follows.
  Mr. ******* account was placed with RDAC for collection on February 8, 2024, by RDACs client Pathlight 9 c/o Pathlight PM, with a balance of $77,524.37.On February 9, 2024, RDAC mailed its initial collection letter to Mr. ****** at his last known address *******************************************That letter included the required notice of validation rights pursuant to section 809 of the Fair Debt Collection Practices Act and that letter was not returned as undeliverable to RDAC by the ********************
  On March 25, 2024, **** reported Mr. ******* account to the three national consumer reporting agencies (********, **********, and *******)(****) with permission from our client, Pathlight 9 c/o Pathlight PM.
  As of January 15, 2024, **** has not received a direct dispute from Mr. ******* Attached you will find copies of Mr. ******* final account statement and signed lease agreement provided by our client, Pathlight 9 c/o Pathlight PM.
  We welcome Mr. ****** to contact our office at ************** Monday Thursday from 8:00am to 7:00pm and Friday from 8:00am to 3:00pm Central Time, to discuss options that might be available to him and to assist in resolving his account.
  Thank you for the opportunity to respond to this complaint.
  **** ******

• Initial Complaint

  Date:01/04/2025

  Type:Order 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 dispute any liability for the alleged debt claimed by ******************************. I have no contractual relationship with AUTOMATED COLLECTION SVC. Despite my request, they have failed to provide documentation of the original contract to validate this debt claim.

  

  Business Response

  Date: 01/15/2025

  ******* *****,
  
  Please be advised that this account was closed and returned to our client, ******************************* and Automated Collection Services, Inc. (ACSI) is no longer involved in the collection of this account. **** sent a request to the credit reporting agencies (****) to delete this trade line with AUD control number ********. Please be advised, though ACSI have already sent this request to the ***** it can take up to 90 days for them to actually remove the trade line and this is outside of our control.
  
  Thank you for the opportunity to respond to this complaint.
  **** ******

• Initial Complaint

  Date:12/26/2024

  Type:Order 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 ******, I do not have a contract with RENTDEBT AUTOMATED COLLECT, they did not provide me with the original contract as i requested

  

  Business Response

  Date: 12/31/2024

  My name is **** ******* I am the Vice President of Compliance for RentDebt Automated Collections, LLC and I have been asked to respond to Mr. ******** ***** complaint. **** has completed its investigation,and the results are as follows.
  Mr. ***** account was placed with RDAC for collections on April 24, 2024, with a balance of $5,790.29, by RDACs client ******* On May *******, RDAC mailed its initial collection letters to Mr. **** at his last known address: ************************************************* That letter included the required notice of validation rights pursuant to section 809 of the Fair Debt Collection Practices Act and was not returned as undeliverable to **** by the ********************
  On June 25, 2024, **** reported Mr. ***** account to the three national consumer reporting agencies (********, **********, and *******)(****) with permission from our client, ******* On August 1, 2024, **** received the first of several disputes forwarded by the **** on Mr. ***** behalf. After investigating Mr. ***** claim, **** responded to each dispute by updating his tradeline to disputed and indicating the disputed information was correct. On December 26, 2024, **** received a notification that Mr. ***** account had been removed by the **** with control number ************** On December 31, 2024, **** also sent an additional request the **** to delete his tradeline with AUD control number ********* Please note, it may take the **** up to 90 days to update their information and that is outside RDACs control.
  As of December 31, 2024, **** has not received a direct dispute from Mr. ***** Please find copies of Mr. ***** final account statement and signed application provided by our client, *******
  We welcome Mr. **** to contact our office at ************** Monday Thursday from 8:00am to 7:00pm and Friday from 8:00am to 3:00pm Central Time, to discuss options that might be available to him and to assist in resolving his account.
  Thank you for the opportunity to respond to this complaint.
  **** Burgos 

  Customer Answer

  Date: 01/11/2025

  I still have not received any original contract or any true validation of debt also if there is a original contract I want to request it be sent via mail and via email

  

  Business Response

  Date: 01/22/2025

  My name is **** ******* I am the Vice President of Compliance for RentDebt Automated Collections, LLC and I have been asked to respond to Mr. ******** ***** complaint. **** has completed its investigation,and the results are as follows.
  Mr. ***** account was placed with RDAC for collections on April 24, 2024, with a balance of $5,790.29, by RDACs client ******* On May *******, RDAC mailed its initial collection letters to Mr. **** at his last known address: ************************************************* That letter included the required notice of validation rights pursuant to section 809 of the Fair Debt Collection Practices Act and was not returned as undeliverable to **** by the ********************
  On June 25, 2024, **** reported Mr. ***** account to the three national consumer reporting agencies (********, **********, and *******)(****) with permission from our client, ******* On August 1, 2024, **** received the first of several disputes forwarded by the **** on Mr. ***** behalf. After investigating Mr. ***** claim, **** responded to each dispute by updating his tradeline to disputed and indicating the disputed information was correct. On December 26, 2024, **** received a notification that Mr. ***** account had been removed by the **** with control number ************** On December 31, 2024, **** also sent an additional request to the **** to delete his tradeline with AUD control number ********* Please note, it may take the **** up to 90 days to update their information and that is outside RDACs control.
  Please be advised, as of January 22, 2024, **** has not received a direct dispute from Mr. ***** Attached you will find copies of Mr. ***** final account statement and signed application provided by our client, *******This information was previously provided to Mr. **** with our response to a previous BBB complaint. **** will also mail this information to ************************************************ as well as email this information to Mr. **** at *************************************
  We welcome Mr. **** to contact our office at ************** Monday Thursday from 8:00am to 7:00pm and Friday from 8:00am to 3:00pm Central Time, to discuss options that might be available to him and to assist in resolving his account.
  Thank you for the opportunity to respond to this complaint.
  **** Burgos 

• Initial Complaint

  Date:12/16/2024

  Type:Order 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 Automated Collection Service. I do not have a contract with this collection agency that is trying to collect and reporting this to credit reporting agencies. They did not provide me with the original contract as requested.

  

  Business Response

  Date: 12/17/2024

  My name is **** ******. I am the Vice President of Compliance for Automated Collection Services, Inc. (ACSI) and I have been asked to respond to ************************ complaint. ACSI has completed its investigation, and the results are as follows.
  Mr. ************* has three accounts placed with ********************** for collections by ACSIs client, Nashville Fire and EMS. One account was placed on April 12, 2021, with a balance of $754.00. On May 7, 2021, ACSI mailed its initial collection letter for this account to Mr. ************* at his last known address: **********************************************. The second account was placed on January 11, 2022, with a balance of $845.00. On February 7, 2022,ACSI mailed its initial collection letter for this account to Mr. ************* at his last known address: **********************************************. The third account was placed on July 12, 2022, with a balance of $702.00. On August ******, ACSI mailed its initial collection letter for this account to Mr. ************* at his last known address: **********************************************. All three letters included the required notice of validation rights pursuant to section 809 of the Fair Debt Collection Practices Act and neither was returned as undeliverable to ACSI by the *******************.
  On October 11, 2021, January 25, 2023, and July 25, 2023, respectively,ACSI reported Mr. ************** accounts to the three national consumer reporting agencies (********, **********, and Equifax) (CRAs) with permission from our client, Nashville Fire and EMS. On July 6th and 10th,2023, ACSI received disputes forwarded by the **** on Mr. ************** behalf, for his account placed on January *******. After investigating Mr. ************** claims, ACSI responded to each dispute by updating his tradeline to disputedand indicating the disputed information was correct. The dispute forwarded by the **** received on July 10th, 2023, indicated Mr. ************* claimed this account could be a result of fraud. ACSI responded to that dispute by mailing him an identity theft packet, on July 11, 2023. As of December *******, ACSI has not received a fully completed identity theft packet with the required accompanying documentation from Mr. *************. ACSI is unable to remove this trade line from Mr. ************** consumer reports. It is ACSIs responsibility as a data furnisher under the Fair Credit Reporting Act (FCRA) that ACSI report complete and accurate information to the CRAs.
  We have also included a copy of Mr. ************** account statements for all of his accounts to this response for his records.
  We welcome Mr. ************* to contact our office at ************** Monday Thursday from 8:00am to 7:00pm and Friday from 8:00am to 3:00pm Central Time, to discuss options that might be available to her and to assist in re/solving her account.
  Thank you for the opportunity to respond to this complaint.
  **** ******

• Initial Complaint

  Date:12/09/2024

  Type:Order 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 **************/***, I do not have a contract with the Automated Collection Services **** they did not provide me with original contract as I requested.

  

  Business Response

  Date: 12/12/2024

  Ms. *******
  Please be advised ACSI has closed and returned your account to our client Nashville Fire and EMS. ACSI has also sent a request to the consumer reporting agencies (****) to delete these trade lines from your consumer report on December 10, 2024. Though ACSI has already sent these requests to remove these trade lines from your consumer report, please be advised that it can take the **** up to 90 days to actually remove this trade line and that is outside of ACSIs control.
  
  Thank you for the opportunity to respond to this complaint.
  **** Burgos 

• Initial Complaint

  Date:11/22/2024

  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 disputing a debt reported by ACSI-DM6, with the original creditor listed as **************. I do not have a contract with ACSI-DM6, and despite my request, they failed to provide validation of the debt, including the original contract. This account is inaccurate and unverifiable, violating the Fair Credit Reporting Act (FCRA).Details of the Dispute:Creditor Name: ACSI-DM6 (Original Creditor: Western Dental)Account Opened: 3/4/2024 Account Number: **********Debt Amount: $516

  

  Business Response

  Date: 12/02/2024

  My name is **** ******, I am the Vice President of Compliance for Automated Collection Services, Inc. (ACSI) and I have been asked to respond **** ****** Queens complaint. With the information provided, we are not able to find an account for a consumer named **** ****** ***** nor do we do have an account number ****** in our records. Therefore we believe this complaint was forwarded to us in error.
  
  Thank you for the opportunity to respond to this complaint.
  
  **** Burgos