716-418-7182

Got a call from then, collection agncy.

I believe this to be American Coradius (Debt Collectors)

Debt Collectors company called American Coradius.

You need to send them a certified, return receipt debt validation or cease and desist calling or "not me" letter (think of it as the best $6.47 you ever invested).  Also send it first class mail in case no one will sign for it.  Make a notation of that fact at the bottom of the letter.  You also need to report them to the proper agencies to which I have provided links to.  Then you need to go out and get a consumer lawyer to sue them on a contingency basis (no money out of your pocket) and let them pay you for the harassment.  If everyone did these three things, these crooks would be bankrupt and we would all be the richer for it.  Use these web sites to find an attorney in your state that will probably take the case on a contingency basis (no money out of your pocket up front):  http://www.consumeradvocates.org/
http://www.consumeradvocates.org/find-an-atto ... tates_value=All

Everything else you need to know follows including at least two agencies where you should report their criminal activities.

AMERICAN CORADIUS INTERNATIONAL LLC AKA ACI AKA AMERICAN CORADIUS, INTL.
Number threads associated with these crooks:  https://800notes.com/Phone.aspx/1-855-224-5193#p1213648767202209991
https://800notes.com/Phone.aspx/1-716-995-7420
https://800notes.com/Phone.aspx/1-855-224-5187
https://800notes.com/Phone.aspx/1-716-418-7212
https://800notes.com/Phone.aspx/1-855-224-5193
https://800notes.com/Phone.aspx/1-716-418-7185
https://800notes.com/Phone.aspx/1-855-224-0858
https://800notes.com/Phone.aspx/1-888-863-8462
https://800notes.com/Phone.aspx/1-716-799-8365
https://800notes.com/Phone.aspx/1-800-498-2242
https://800notes.com/Phone.aspx/1-716-418-7182#p1216287883707061990

Website lists them in western New York, world’s #1 capital for criminals pretending to be debt collectors:  http://www.americancoradiusinternational.com/contact-us/
BBB gives them an accredited A+ with 68 complaints and 5 negative reviews:  https://www.bbb.org/upstate-new-york/business ... erst-ny-3000111’
LinkedIn page claims there is only one person there, yet they have a ton of ads up to hire more felons to work at this criminal enterprise:  https://www.linkedin.com/company/american-coradius-international-llc-aci-
D & B lists some of the head felons there:  http://www.hoovers.com/company-information/cs ... 0f1101d451.html
It seems that they are also a lender:  http://mortgage-lenders.credio.com/l/59028/Am ... ternational-LLC
Some pictures of the felons that work there:  https://www.indeed.co.uk/cmp/American-Coradius-International,-LLC/photos
New York Dept. of State info:
Selected Entity Name: AMERICAN CORADIUS INTERNATIONAL LLC
Selected Entity Status Information
Current Entity Name:    AMERICAN CORADIUS INTERNATIONAL LLC
DOS ID #:    3244367
Initial DOS Filing Date:    AUGUST 16, 2005
County:    ALBANY
Jurisdiction:    DELAWARE
Entity Type:    FOREIGN LIMITED LIABILITY COMPANY
Current Entity Status:    ACTIVE

Selected Entity Address Information
DOS Process (Address to which DOS will mail process if accepted on behalf of the entity)
C/O CORPORATION SERVICE COMPANY
80 STATE STREET
ALBANY, NEW YORK, 12207-2543
Registered Agent
CORPORATION SERVICE COMPANY
80 STATE STREET
ALBANY, NEW YORK, 12207-2543

Other complaints (lots of them)
https://www.paypal-community.com/t5/About-Pro ... cam/td-p/925843
http://www.ripoffreport.com/reports/american-coradius-international/amherst-new-york-14228/american-coradius-international-fdcpa-violations-and-a-toothless-tiger-tips-to-tame-this-357984
http://lifenthings.com/american-coradius-inte ... account-letter/
http://www.debtorboards.com/index.php?topic=1280.0
https://www.facebook.com/PayPalUSA/posts/10154407248304573
https://www.pissedconsumer.com/american-coradius-international/RT-F.html
http://ficoforums.myfico.com/t5/Rebuilding-Yo ... on/td-p/1727672
http://www.loansafe.org/forum/threads/citi-se ... received.51407/

Looks like they get sued a lot also:
https://www.gpo.gov/fdsys/granule/USCOURTS-ca ... 1_15-cv-00141-1
https://www.courtlistener.com/docket/4413732/ ... ernational-llc/
http://www.leagle.com/decision/In%20FDCO%2020 ... NATIONAL,%20LLC
https://www.pacermonitor.com/public/case/1151 ... ternational_LLC
https://www.classaction.org/news/american-cor ... ction-practices


It is incumbent upon them under the law to prove that the debt exists and that you owe it, and that they have the legal right to collect it.  You are not obligated under the law to prove that you don’t owe or that it is paid.  

Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) postmarked within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt.  It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes.  The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.

Read up on your rights here and also make a complaint at this government site:  http://www.consumerfinance.gov/

Also file a complaint with your State Attorney General's office.
List of State AG’s offices:   https://800notes.com/faq/attorney-general

File a complaint at the NY State AG's Office here:  http://www.ag.ny.gov/

Thank you Big A!