Conducting Business Like:
The Washington state dept. of Financial Institutions (DFI) has gotten complaints of what is apparently a debt collection that is possible . Consumers report getting phone calls or emails claiming that the customers owe debts that they try not to really owe. The individuals behind this declare that the customers owe financial obligation to organizations with “ACS” within their names or even the initials “ACS.” In one or more email change offered into the DFI, the individuals giving the emails, through the exact same current email address, utilized ACS Incorporation, ACS Inc., ACS Legal Group, Advance Cash solutions and ACS interchangeably.
Some customers report getting duplicated collection that is harassing. The callers contact customers at home and work. In a few instances, they’ve called customers’ credit sources. The callers often threaten legal action. Most callers claim to be lawyers or people in law enforcement. The callers frequently have the consumer’s information that is personal such as bank checking account figures and social safety figures.
Other customers report receiving duplicated harassing email messages. These emails additionally threaten appropriate action, and could result from senders claiming become solicitors or people in law enforcement. The folks delivering these emails likewise have usage of customers’ private information.
None for the above-listed businesses are certified by DFI nor registered to conduct business in Washington State because of the Department of Licensing (DOL), the Department of sales, or even the Secretary of State. DOL licenses and regulates collection agencies under RCW 19.16.
DFI warns customers to prevent provide any nonpublic private information, such as for example social protection number, charge card, or banking account information to your specific, internet site, or company without first verifying their identity and permit status. Customers can see whether a services that are financial or person is precisely certified to conduct company within the State of Washington utilizing the “Verify a License” function on DFI’s internet site at . Customers also can always check license status with DOL at
“ACS Inc.” shouldn’t be mistaken for the likewise known as company “ACS (US), Inc.”
“American Credit Solutions, Inc.” really should not be confused with the likewise known as business “American Credit Solutions”.
The individuals that are following been connected with this obvious :
Shawn Johnson John Harris Liam Smith Adam Wind
These people utilize titles like “Sr. Investigation Officer,” “Investigation Officer,” and “Sr. Research Officer (Department – Law & Enforcement).”
The after email address was connected with this obvious :
DFI cautions that unlicensed entities often participate in particular practices that indicate these are generally committing a fraudulence or otherwise breaking Washington State law. As an example, such entities often utilize non-business e-mail addresses (such as for example , or other comparable easily obtained e-mail addresses) to send correspondence, payday loans Minnesota threaten legal or action that is criminal customers try not to respond immediately, or contain many different typographical and spelling errors within their communication to customers.
Nonetheless, oftentimes, emails or letters from unlicensed entities doing fraudulent task will include accurate information that is personal, such as for instance current or previous addresses, active cell phone numbers, or social protection figures. DFI encourages customers whom get communications containing information that is personal to contact their banking institutions, credit-reporting agencies, while the personal protection management to make certain there’s absolutely no unauthorized task on the reports.
Commercial Collection Agency Laws
From you, the collection activity may be subject to the federal Fair Debt Collection Practices Act (FDCPA) if you received a loan from a lender or owed money to a business and someone other than the lender or business is now attempting to collect. If you be given a interaction from a celebration claiming that a financial obligation is owed, you ought to request a “written validation notice,” which must through the level of your debt, the title regarding the creditor your debt, along with your liberties underneath the FDCPA. For those who have concerns regarding commercial collection agency legislation, contact the Federal Trade Commission at 1-877-FTC-HELPCall: 1-877-FTC-HELP, or online at
If somebody threatens to garnish your wages, contact your company, or makes use of threatening, daunting, or offensive language, report such actions to convey and federal regulators. See below for just how to contact the right state and federal regulator.