844-699-4325

ACR debit collector and also text your phone too

I have received call after call from a variety of numbers. They finally started leaving messages; very rude and threatening. Now, they left a text. All messages state to call ASAP or they will file on me. ACR is who??

ACR or American Credit Resolution (Recovery) is a debt collection company who works with companies such as Capital One Back and/or other financial institutions and also larger Cash Advance companies. Their tactics are very aggressive but they're business is legitimate.

Sorry, but being a "legitimate" collection agency means that they follow the law.  Being "aggressive" means that they are not following the law.  Your plug for these crooks and your employer has failed miserably.

You need to send them a certified, return receipt debt validation (by law they have to go back to the original creditor to prove you owe the debt), cease and desist calling, or "not me" letter (this will be the best money that you have 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 CREDIT RESOLUTION, INC.
Number threads associated with these crooks:  https://800notes.com/Phone.aspx/1-866-797-5040/5
https://800notes.com/Phone.aspx/1-844-699-4325#p1302878583387954661
https://800notes.com/Phone.aspx/1-855-231-6321/2

Website lists them in Georgia:  http://www.acr12.com/contact-us.html
BBB gives them an A- rating with 25 complaints, and surprising 4 positive reviews, two of which were posted on the same day, and the two within a couple days of each other, so it looks like they were paid to go there and post those reviews:  https://www.bbb.org/atlanta/business-reviews/ ... nta-ga-27441654
LinkedIn page also indicates that they are a call center:  https://www.linkedin.com/company/american-credit-resolution-inc
Georgia Dept. of State info:
Business Name:    AMERICAN CREDIT RESOLUTION INCORPORATED    Control Number:    11062673
Business Type:    Domestic Profit Corporation    Business Status:    Active/Compliance
Business Purpose:    NONE
Principal Office Address:    270 CARPENTER DRIVE, SUITE 575, SANDY SPRINGS, GA, 30328, USA    Date of Formation / Registration Date:    8/18/2011
State of Formation:    Georgia    Last Annual Registration Year:    2017

Registered Agent Information
Registered Agent Name:    C T Corporation System
Physical Address:    289 S Culver St, Lawrenceville, GA, 30046-4805, USA
County:    Gwinnett

Other complaints:
http://financialcomplaints.report/threatened- ... on-incorporated
http://creditcardscomplaints.gdn/american-credit-resolution-incorporated
Looks like they get sued a lot:
https://www.leagle.com/decision/infdco20171129905
https://www.pacermonitor.com/public/case/2150 ... orporated_et_al
https://dockets.justia.com/docket/georgia/gandce/1:2014mi00069/207111

It is incumbent upon them under the law to prove that the debt exists and that you owe it, and (this is the important part) 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.

First, you should make a complaint at this Federal Agency, and while there you should also read up on how debt collection is supposed to work as well as what your rights in this matter are: https://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

As well as the Georgia AG:     http://law.ga.gov/

As well as:       http://consumer.georgia.gov/consumer-services