ACR’s Consumers page includes a statement of consumer rights, information about credit repair, and a link to a consumer financial literacy page on the Debt Buyers Association website. It only takes a few short minutes of your time to talk to a rep. There are currently over 75 Sekure Merchant Solutions negative reviews online, some of which accuse the company of being a scam... Sekure Merchant Solutions rates as a slightly worse-than-average merchant services provider according to our rating system. I knew I needed help getting the credit card debt down and they helped a lot. Sekure Merchant Solutions is a merchant account provider that may be a reseller of North American Bankcard. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs. Each case that goes through the American Credit Repair process can expect the following: Credit Score Increase Rate. We had a wonderful experience with this organization. The Credit Card Interest Rates that I was told I was going to have, 5 of the Credit Card Companies were higher then what I was told.I'm so grateful that the Credit Card Companies are paid in full!!Thank-you. To back up their industry experience, American Financial is accredited by the NFCC, ensuring that the company’s credit counselors implement best industry practices. Learn the Law & Sue the Collector. © 2021 Trustpilot, Inc. All rights reserved. This lawsuit charges that American Credit Resolution violated the Fair Debt Collection Practices Act (FDCPA) by engaging in harassing behavior; by using false, deceptive, or misleading representation in connection with the collection of a debt; by threatening to take legal action without actually intending to do so; by employing false and deceptive means to collect a debt; and by using unfair and unconscionable means to collect a debt. What can I do? In any case, American credit card solutions are consistent with all Federal Trade Commission guidelines that apply to the business. They are even more intimidating when there are threats involved. Business Profile. Credit & Debt Services: American Credit Solutions Tampa, Florida. Unlawful Debt Harassment? Denied, Things You Can Do Yourself When You Have a Lemon. This EXACT above example from April 2014 happened to me today and in fact is the same exact quote used on the voicemail they left. 32 American Lending Solutions reviews. Dee Ann Ruiz, I am very pleased with my experience with AFS. American Express. American Financial has helped me tremendously and I am so thankful for the services I have used to get me out of debt! They may have had a difficult time getting automotive financing, or they think that because of their financial situation it would be nearly impossible to finance a new vehicle. We love these people. Call 475-277-1600 NOW. See BBB rating, reviews, complaints, & more. 14 Credit Solutions of America reviews. For a minute I thought it was the police or something. The kit includes: a series of 6 videos that will help you improve your credit score, a set of resources, tips and Questions & Answers for each video, and the Credit Solution email newsletter. I was a skeptic, but you did everything you said you would! We are happy to have made the financial growth we have made with them, but sad to end a working relationship because it was so great. I received a voicemail from ACR at 1-866-321-1528 You can sue a debt collector. Please keep up the outstanding work you do, and again, thank you for helping me through this challenging time. On the occasions that I needed a little extra time, the staff was very understanding and helpful. Credit and Debt Counseling in Midvale, UT. Misled by a collector? According to its website, ACR “is a privately held financial services firm…whose mission is to maximize asset realization for… clients by providing custom state-of-the-art collection and call center solutions at the most competitive prices.”, American Credit Resolution provides services in three main areas: consumer collections, commercial collections, and call center services. According to the Better Business Bureau (BBB), American Credit Resolution, Inc. is a legitimate company founded and incorporated in 2011. Email is required to block spam, but will not be published. Success in our Debt Resolution program is highly dependent on your ability to save a specified amount consistently each month. Describe your legal concern or comment You can trust them. Here are some Sample Cases filed in Federal Court, In April 2014, in United States District Court, Western District of New York, a judge issued an order in a case alleging American Credit Resolution had violated provisions of the Fair Debt Collection Practices Act (FDCPA) and the Telephone Consumer Protection Act (TCPA). American Credit Resolution, Inc. For example, seemingly legitimate student loan forgiveness companies might charge you to fill out government forms for your student loans. This organization is not BBB accredited. What can I do? You are receiving early morning or late night calls from debt collectors, A debt collector attempts to collect more than you owe, You are being threatened with negative credit reporting, A debt collector attempts to intimidate you, Criminal accusations are being made towards you, We Help Stop American Credit Resolution ACR Collections Harassment. With scams, awareness is everything. The only problem that I had was in the beginning. Very helpful with my financial issues, and friendly service! I didn’t know that debt collection agencies can end up paying your legal bill. Harassed? This financial services company offers personal, small-business and corporate credit cards as well as savings accounts and CDs. It has previously been named by … Ripoff Report on: American credit solutions - Is a consumer fraud ripoff tampa florida We are currently assessing the review in accordance with our reporting processes. Find out if we can help you too today! telling me that I need to see them in their office immediately. Atlanta, GA 31146 Although the programs above are legit, you’ll want to be on the lookout for loan forgiveness scams. I was given a payback amount that I could handle most of the time. We would highly recommend this organization to any of our friends or family. Credit Solutions Of America Overview. See the jurisdictions in which our lawyers are licensed, admitted, or otherwise authorized to practice. I am now debt free and a credit score over 730. Author: Lake Orion, Michigan. Please enter a valid email adress, Your phone I am very grateful! Would recommend them to friends and family. And we're here to help you get out of debt for good. I'd like to opt-out but I can't find where to do that, Please advise. Contacting an attorney BEFORE this could possibly happen would be a smart move. American Financial Solutions was awesome! Credit Solutions Of America was first mentioned on PissedConsumer on Nov 25, 2007 and since then this brand received 54 reviews.. Credit Solutions Of America ranks 62 of 229 in Collection Agencies category. I suffer from PTSD so this was especially frightening to me. They did a great job of listening to our unique circumstances and teaching us which moves made the most sense for us at a given time in our financial journey. I was told I would have to pay $110 a month. Instead, they offered NO help, answered no questions, would not send us any documentation of our phone calls, etc. They are for real when they say they are here to help you. Truly a great way to get yourself out of mountains of debt. What’s your name? No problems noted. Abused? March 10, 2017. If you want to enforce your rights, or recover money for violations — you need to sue. American Credit Solution remains steadfast in its goal to provide everyday consumers with the resources they need to succeed in an ever-changing world of credit and debit, spending and earning. It is illegal for a debt collector to make empty threats to sue you or garnish your wages. Please enter a valid phone number. They were very helpful and kind (and gentle too)! Landmark Supreme Court Decision Expected in Lemberg Law’s Facebook Robocalling Suit, Lemberg Law Wins Class Certification in Robocall Case, Conn’s Appliances Ordered to Pay Lemberg Law Client $373,500 for 249 Robocalls, Aiko Hassett Awarded “Stop Debt Collection Harassment” Scholarship, Lindsey Sporrer Awarded Lemberg Law Scholarship. The sad thing is they are calling my moms phone and leaving this message. Your author in the beginning before I signed anything there was no pressure. Compensation for potential legal violations, and any results obtained, depends upon the specific factual and legal circumstances of each case. What’s your phone number? Find out more about the #1 new scam so you don't fall for it. A person with the same DOB & First and Last Name with criminal record & jail time at Arizona Penitentiary is all the time link to my profile. American Credit Card Solutions reported this review for breaching of Trustpilot guidelines. I contacted them to consolidate my debts and pay it off. Sound off and share your experience with other visitors in the comment box below. Please contact me AFTER 3:30 p.m. (central time) where I can discuss my case. Justia lists at least 1 complaint naming American Credit Resolution as a defendant. I see now there is an administrative fee for an additional fee of $15 a month. As previously mentioned, American Financial Solutions has helped thousands of clients pay off billions of dollars in debt over the course of the past 18 years. They obviously know this and yet continue to flaunt the legislation. American Financial Solutions is a non-profit credit counseling, financial education, and debt consolidation agency. Must live in a state that American Credit Card Solutions serves, $10,000+ in unsecured debt, legitimate financial hardship which is preventing the ability to pay creditors Overall positive customer ratings — but it's only available in 25 states. What’s your name? To find legit student loan help in the student loan assistance industry, here’s a roundup of the companies borrowers are searching for. This allows for individuals to find out how a debt management program would work for them without making an initial commitment. A free inside look at company reviews and salaries posted anonymously by employees. American Credit Repair provides professional credit repair services to those looking to remove erroneous items from their credit reports. Have you had a bad experience with this agency’s debt collectors? They were able to make deals to get lower interest rates and told me a few places that the credit card companies were taking advantage of me. The staff is amazing and very helpful. ACR is calling one of my employees and leaving me messages about a legal matter. 1. Federal laws protect you. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. I did have a problem that I didn't understand within 2 days and they are one phone call away from answering your questions and solving your problem. I would recommend this company to my friends and family, Have been my saving grace!!! This website is attorney advertising: prior results do not guarantee a similar outcome. Thank you for requesting your free case evaluation. I have a voice-mail from ACR,should I return the call? I have completed my hours at the job they assigned me to and they have not hired me. Specifically, the plaintiff in this case alleged that an ACR representative had left several messages on the plaintiff’s “personal cellular telephone using an automatic telephone dialing system.” The messages did not identify the name of the business that was calling “and failed to inform the plaintiff that the ACR representative was a debt collector.” The messages stated only that the caller “had ‘a very urgent matter’ to discuss regarding the plaintiff’s name and social security number.” As a result, the plaintiff filed a complaint citing violations of FDCPA Sections 1692d(6), 1692g(a), and 1692e(11), which prohibit “the placement of telephone calls without the meaningful disclosure of the caller’s identity, failure to disclose the fact that the defendant is attempting to collect a debt, and failure to send the consumer a written validation notice within five days of the initial communication.” The plaintiff also cited a violation of “section 227(b)(1)(A)(iii) of the TCPA, which prohibits the use of an automatic telephone dialing system (‘ATDS’) to contact a cellular telephone, other than a call made for emergency purposes or with the prior express consent of the called party.”, Representatives of American Credit Resolution failed to appear and defend this action, “which resulted in the Clerk of the Court entering default” in January 2014. On behalf of our client, Lemberg Law recently filed a complaint in U.S. District Court, Southern District of Florida. Most of those complaints alleged problems with billing and collections, with several complaints also alleging problems with customer service. Praesent nec erat convallis Lorem ipsum dolor sit amet, consectetur adipiscing elit. Fiserv provides financial services technology solutions such as payment processing for banks, credit unions, lenders and investment firms. Or, instead you can send a secure message to our legal team. Briefly describe your experience The court agreed that the violations cited by the plaintiff constituted violations of the FDCPA and the TCPA and granted the plaintiff’s motion for default judgement. Contact Information. They really do go to bat for you. Their recommendations were always thoughtful. American financial solutions was…helpful and straightforward. The American Credit Card Solutions program doesn't assume or pay your debts, repair your credit score, or provide tax, legal, or credit repair advice. AmeriCar Credit Solutions. All interactions with American Financial Services have been very helpful. Thanks for making it manageable to pay off debt!! But you can complete the paperwork yourself for free by using the tools on the FSA website. Find out who they are, why they might be calling, and how you can stop them. Thanks for all that you do I am forever grateful. Your email What Happens When You File for Bankruptcy? I would recommend them to all my friends that cant get out of their financial problems, this is the one you can trust to help you out! They spam me with emails three times a day and unsubscribe foes not work. I want Dressbarn to stop sending me ads on my cell phone (203-733-7807). Write a comment below to share online. What’s your email address? Thank you so much! Then they got all my payments lowered and they have the monies from that. The firm’s main office is located at 43 Danbury Road, Wilton, Connecticut. What a surprise, to receive free legal help. This is “for your protection” Wound up being taken to court twice. American financial solutions was helpful in settling my accounts and helping me to establish myself better financially. They made sure I was comfortable with the amount I was having to pay out each month, and that surprised me. They’re legit. I can’t say thank you enough!”, ”Lemberg Law has saved me from the endless calls, and harassing voicemails. Briefly describe your experience. Confidentiality Guarantee: We keep your information completely confidential and will not send you spam or sell your information. Furthermore, the court is authorized to award “up to $1,000 in statutory damages per plaintiff for any violation of the FDCPA. American Credit Solutions ripoff business paid 200 fora credit card that I never received and there is no customer service to be found Tampa Florida . Know what red flags to look out for and compare lenders before making a decision. Potential customers can receive a free consultation either over the phone with a certified financial counselor, or over the Internet by completing an online form. The BBB established ACR’s profile page in 2013. “We realize that ours is just one small case among many – and many more serious – but are heartened by the fact that you accepted it and represented us with a professionalism that belied the small dollar amount.”, “If you are unsure about this company…DONT BE!!! American Credit Repair claims that their average client scores increase by 70-100+ points within a period of 60-120 days. Very helpful and responsive to needs and concerns. The specific amount of statutory damages, not to exceed $1,000, falls within the court’s discretion.” In addition, a “person or entity that successfully establishes a TCPA violation under section 227(b)(1)(A)(iii) may recover its actual monetary loss from the violation or receive $500 in damages for each such violation, whichever is greater,” unless the violation is particularly egregious, in which case “the court may, in its discretion, increase the amount of the award to an amount equal to not more than 3 times” the standard penalty, or $1,500 per violation. Would recommend to anyone. Fiserv provides financial services technology solutions such as payment processing for banks, credit unions, lenders and investment firms. I appreciate that AFS was there for me. Many people think their credit score may be too low to qualify for financing. Call our Helpline today! I am so happy I made the choice to make AFS my debt consolidators. I am a medical Assistant who currently works for Medix. The case, against American Credit Resolution, charges the debt collection agency with violating federal law and asks for $1,000 in statutory damages under the Fair Debt Collection Practices Act, plus other relief. Very helpful and happy to answer all questions. Federal laws provide individuals like you with a means to seek monetary damages in court. ACR’s consumer collections division offers “services to wholesalers and debt packagers primarily dealing in the secondary market of distressed and charged-off consumer receivables.” This division specializes in “offering creative solutions including payment plans and discounts that conform to an individual’s unique situation.”, ACR commercial collections division offers “commercial collection services to companies in the construction, wholesaling, manufacturing, professional services, and other industries…with collection programs custom tailored to… maximize account receivable realization while maintaining a positive relationship with the customer/consumer.”, ACR’s call center division “offers dedicated agents, phone trunks/DID’s, and dedicated servers for database management…staffed by employees… trained in the protection of consumer/account holder information.” All staff are “required to sign a confidentiality and non-disclosure agreement upon hire.”. If you don’t like your bank or credit union’s terms or have bad credit when applying, an online lender might cater to your specific needs. American Credit Resolution Inc or ACR is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. American credit card solutions isn’t an individual from the American Fair Credit Council or accredited by the International Association of Professional Debt Arbitrators, which could possibly be cause for concern. Great help and experience working with AFS. American Express is … I’m very grateful for all the hard work they did to finally give me my life back.”, “I won’t be afraid to contact you or recommend your services to others for debt collection difficulties. Thanks a We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Get Free BBB A+ Attorney. I am most grateful.”. Thank you for helping me with paying off my debt and making my experience a positive one. 141 W Jackson Blvd Ste 2650. It is also unlikely ACR would sue you for a debt you may not owe or they cannot validate. AmeriCar Credit Solutions. According to the Better Business Bureau (BBB), American Credit Resolution, Inc. is a legitimate company founded and incorporated in 2011. I hope I don’t need them again but if I do, I’ll be back. We are ranked A+ by the BBB. What We Do. 8 signs of a personal loan scam. Yes. There is no charge unless we win. I got into a bind and was stupid with my money and they got me on the right track. One of our staff members will call you shortly. A free inside look at company reviews and salaries posted anonymously by employees. In the meantime, you are welcome to call us right away at 855-301-2100. The company … Absolutely. This was in September 2016, but ACR hasn’t yet filed a lawsuit against our client. Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. Do not assume that you are entitled to any compensation as a result of the consumer complaints you have. Reliable, Professional. The April 2014 hearing was held to make a decision about the plaintiff’s motion for default judgement and the amount of any award. Same thing. The American Credit Card Solutions program doesn't assume or pay your debts, repair your credit score, or provide tax, legal, or credit repair advice. Thank you. Our services aren't available in all states. P.O. Additionally, the organization has an A+ rating from the Better Business … … Read more about the firm. We understand what you're going through, and our certified counselors are here to listen to you and empower you to get your finances under control. As of December 2017, the Better Business Bureau (BBB) has closed 27 complaints against American Credit Resolution in the preceding 3 years. 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