Complaints
This profile includes complaints for American Coradius, Int'l's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 337 total complaints in the last 3 years.
- 108 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe 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:03/13/2025
Type: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 received a letter from the American Coradius International LLC on 3/13/25 stating I have a balance of $1,519.12 for ****** Credit. I will attach the letter for your review.
I have contacted ****** Customer support who have confirmed they have not sent any letters for collections nor do I owe an amount that large, ****** Customer Support then redirected me to ****** Credit support which is through ********* Bank who informed me "Letters that do not came from ********* Bank directly and are related to ****** Credit are a fraud/scam and should be reported and I do not owe a $1,519.12 balance with them and my account is in good standing and current on payments".
I will also attach a screenshot of my ****** account showing I do not have any ****** monthly transactions open. I only have a ****** Credit with a $327.43 balance which is in good standing and current.
The Creditor on the Fraud letter also does not match the ****** Credit provider which is ********* Bank, the letter provides *******.
If you need anything else from me please let me know so I can get you the information you need for review.
Thank you!
Business Response
Date: 03/14/2025
To whom it may concern,
At American Coradius International LLC, we take customer concerns seriously and are committed to addressing all inquiries with professionalism, transparency, and diligence. We appreciate the opportunity to respond to this matter and provide clarification.
We acknowledge receipt of the complaint regarding collection letters sent to Mr. ***********. To clarify, American Coradius International LLC acts on behalf of ****** to collect outstanding balances. We respectfully disagree with the allegation that our company is engaged in fraudulent activity.
It is important to note that the account in question is not a ****** Credit account but rather a ****** Pay Monthly account. Our outreach to the customer was in reference to this specific account.
In accordance with Mr. ************* request, American Coradius International LLC will cease all collection efforts and return the account to our client, ****** Pay Monthly. To ensure full transparency, we have also forwarded a copy of Mr. ************* complaint, along with our response, to ****** Pay Monthly for their review and records. If Mr. *********** wishes to pursue allegations of fraud, we encourage him to contact ****** Pay Monthly directly to address any additional concerns.
We sincerely regret any inconvenience this matter may have caused and appreciate the opportunity to clarify our position. Should you require any further information, please do not hesitate to reach out.
Sincerely,
Michelle C********
Director of ComplianceCustomer Answer
Date: 03/14/2025
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. However please note in my original screenshots I do not have any active ****** monthly purchases open and they are all paid in full indicated by the red box outline.
Regards,
****** ***********Initial Complaint
Date:03/12/2025
Type: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 writing to formally dispute the debt they are attempting to collect from me of the amount of $453.08, Acct # ******** referenced above. This debt is invalid and unenforceable due to violations of my contractual rights and applicable laws by the original lender, ********** ***** **** and **********. I demand that you cease all collection activities immediately and refrain from selling or transferring this debt to any other party.ACI,LLC is in Violation of Contract Terms,Violation of Fair Lending Law,No Right to Collect or Sell the Debt,Cease Collection Activities,Provide Proof of Debt Validity.If you fail to comply with my demands or continue to attempt to collect this debt, I will file a formal complaint with the,Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and my state’s attorney general’s office. I will also pursue any legal remedies available to me under federal and state law. 15 U.S. Code § 1692c 15 U.S. Code § 1692g 15 U.S. Code § 1681 e(b) ********** ***** ****, In May 2023, the FDIC ordered Cross River to address its “unsafe and unsound” practices related to fair lending laws and regulations, according to a consent order. The order prohibited the lender from entering into new partnerships with third parties or offering new credit products without the FDIC's approval. Thank you for your Time. P.S: Both ********** and ACI,LLC can not collect a debt at the Same Time. Both Parties are trying to profit.
15 U.S. Code § 1692c 15 U.S. Code § 1692g 15 U.S. Code § 1681 e(b)
15 U.S. Code § 1635 15 U.S. Code § 1692gBusiness Response
Date: 03/19/2025
To whom it may concern,
At American Coradius International LLC, we take all customer concerns seriously and conduct
thorough research to ensure each issue is addressed with careful consideration of the customer's
perspective.
Thank you for reaching out regarding Mr. ****** *******’s concerns. Please be advised that
American Coradius International LLC operates on behalf of ********** to collect delinquent
balances. However, we do not report any consumer information to credit reporting agencies and,
therefore, do not have the ability to add, modify, or remove any information that appears on his
credit report.
For Mr. *******’s reference, we have enclosed the requested validation documents.
In response to Mr. *******’s request, we will cease all collection efforts and return the account to
**********. Additionally, a copy of his complaint and our response will be provided to our client
for their review. We encourage Mr. ******* to contact ********** directly so they may address
any further concerns he may have.
We appreciate you bringing this matter to our attention and apologize for any inconvenience this
may have caused. Please do not hesitate to reach out if further clarification is needed.
Sincerely,
Michelle C********
Director of ComplianceCustomer Answer
Date: 03/20/2025
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.
Regards,
****** *******Initial Complaint
Date:03/10/2025
Type: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.
Received a collection notice from American coradius international concerning a *** *** bill. I have never used *** **** When I called them they wouldn’t help me without giving them my email or address. I explained the situation and I was comfortable giving that information to someone I never heard of. She said without that she can’t help me and hung up. I have never used *** *** and wouldn’t know howBusiness Response
Date: 03/11/2025
To whom it may concern,
At American Coradius International LLC, we take customer concerns seriously and conduct thorough investigations with a strong focus on the customer’s perspective.
Thank you for reaching out regarding ***** *******’s concerns. Please be advised that, to protect our customers’ privacy, a verification process is required when calling our office.
We would also like to clarify that neither ******, Inc. nor American Coradius International LLC provides consumer information to any credit reporting agencies. As a result, this account should not appear on the customer’s credit report or have any impact on her credit.
In response to the concerns raised with the Better Business Bureau, we will cease all collection efforts, close the account in question, and return it to ******, Inc. for further handling. A copy of this complaint, along with our response, will also be shared with our client for their records.
If the customer has any additional concerns, we encourage her to contact ****** directly for further assistance.
We apologize for any inconvenience this may have caused and appreciate the opportunity to address and resolve this matter.
Sincerely,
Michelle C********
Director of ComplianceInitial Complaint
Date:03/08/2025
Type: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 received a collections notice from ACI in reference to ****** with a monthly payment plan with americanmuscle.com/turn five saying that I still owe on a monthly payment plan that has already been paid and completed since 2023. I have already completed a payment with ****** and receive notification this past week that my payment plans have been completed and forgiven. Also, according to ****** this referenced account was already paid for in full.Business Response
Date: 03/11/2025
To whom it may concern,
At American Coradius International LLC, we take customer concerns seriously and remain committed to addressing all inquiries with professionalism, transparency, and diligence. We appreciate the opportunity to respond to your concerns and provide clarification on this matter.
We acknowledge receipt of the complaint regarding collection letters sent by American Coradius International LLC to Mr. ******* *****. Please note that our company will forward Mr. ******* dispute along with the documents he provided to our client, ****** Pay Monthly.
To ensure transparency, we have forwarded a copy of Mr. ******* complaint, along with our response, to ****** Pay Monthly for their review and records. If Mr. ***** requires any further assistance regarding his account, we encourage him to contact ****** Pay Monthly and allow them the opportunity to address any additional concerns he may have.
We sincerely regret any inconvenience this matter may have caused and appreciate the opportunity to address these concerns. Please do not hesitate to reach out if you have any further questions.
Sincerely,
Michelle C********
Director of ComplianceCustomer Answer
Date: 03/13/2025
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
There isn’t any validation of date of when ACI “acquired” this debt as I was already in a payment plan with ****** and in the attached documents you can clearly see that I satisfied all debts with ******. I sounds like ACI is trying to take advantage of the system and scam people.
Regards,
******* *****Business Response
Date: 03/13/2025
American Coradius International LLC operates on behalf of ****** Pay Monthly to recover outstanding balances. We respectfully disagree with the consumer's claim that our efforts constitute a scam. The ****** account in question is a ****** Pay Monthly account, whereas the letter provided by the customer pertains to a ****** Credit account. Please note that based on the customer's intial complaint to the BBB, American Coradius International LLC has ceased all collection efforts and will be returning the account to our client, ****** Pay Monthly. We ask the customer to reach out to our client should he have any further questions or additional concerns.Initial Complaint
Date:03/06/2025
Type: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 received a collection notice regarding a ****** account and charges that isn't mine. I believe this to be fraudulent.Business Response
Date: 03/07/2025
To whom it may concern,
At American Coradius International LLC, we take customer concerns very seriously and conduct thorough investigations with a focus on the customer’s perspective.
Thank you for reaching out regarding ****** ******* concerns. In response to the concerns raised with the Better Business Bureau, we will cease all collection efforts, close the account in question, and return it to ******, Inc. for further handling. A copy of this complaint and our response will also be shared with our client for their records.
If the customer wishes to pursue their fraud allegations further, we encourage them to contact ****** directly so they can address any remaining concerns.
We apologize for any inconvenience this may have caused and appreciate the opportunity to resolve this matter.
Sincerely,
Michelle C********
Director of ComplianceInitial Complaint
Date:03/06/2025
Type: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.
This company sent me a letter saying that i owed a certain amount of money to ******. when i reached out to ****** they could not verify that they are the debit collector for this account. As well they also stated that my account didnt have a balance. I do not know why they would send me a letter stating that i owed them money when ****** is stating that i am on good standing with themBusiness Response
Date: 03/07/2025
To whom it may concern,
At American Coradius International LLC, we take customer concerns seriously and remain committed to addressing all inquiries with professionalism, transparency, and diligence. We appreciate the opportunity to respond to your concerns and provide clarification on this matter.
We acknowledge receipt of the complaint regarding collection letters sent by American Coradius International LLC to Mr. ********* *******. Please note that our company is attempting to contact Mr. ******* regarding a debt owed to our client, ****** Pay Monthly.
On March 7, 2025, Mr. ******* spoke with our representatives and expressed similar concerns. During this conversation, he confirmed his awareness of the debt and agreed to review the account through our company’s payment portal.
To ensure transparency, we have forwarded a copy of Mr. ********* complaint, along with our response, to ****** Pay Monthly for their review and records. If Mr. ******* requires any further assistance regarding his accounts, we encourage him to contact one of our Account Resolution Specialists at ###-###-####, Monday through Friday, 8:00 AM to 5:00 PM EST.
We sincerely regret any inconvenience this matter may have caused and appreciate the opportunity to address these concerns. Please do not hesitate to reach out if you have any further questions.
Sincerely,
Michelle C********
Director of ComplianceCustomer Answer
Date: 03/07/2025
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.
Regards,
********* *******Initial Complaint
Date:03/05/2025
Type: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.
Is a collection for $871.22 for a ****** account from Jan 16, 25. I do not have ******, never had a ****** account ever. I contac*** ****** they would not share any information, they wan*** a bunch of information from me that but I would not give them any info but the account number I received on the letter i got in mail. I will be report with the police department.Business Response
Date: 03/06/2025
To whom it may concern,
At American Coradius International LLC, we take customer concerns very seriously and conduct thorough investigations with a focus on the customer’s perspective.
Thank you for reaching out regarding *** ******’ concerns. Please note, neither ******, Inc. nor American Coradius International LLC report consumer accounts to credit bureaus. As a result, this account should not appear on the customer’s credit report or impact their credit in any way.
In response to the concerns raised with the Better Business Bureau, we will cease all collection efforts, close the account in question, and return it to ******, Inc. for further handling. A copy of this complaint and our response will also be shared with our client for their records.
If the customer wishes to pursue their fraud allegations further, we encourage them to contact ****** directly so they can address any remaining concerns.
We apologize for any inconvenience this may have caused and appreciate the opportunity to resolve this matter.
Sincerely,
Michelle C********
Director of ComplianceInitial Complaint
Date:03/05/2025
Type: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 received a letter on February 28, 2025 (dated February 18, 2025) from American Coradius International LLC informing me that it was an attempt to collect a debt of $684.05. on ******, Inc. account. This is not my debt and this is fraudulent.Business Response
Date: 03/05/2025
To whom it may concern,
At American Coradius International LLC, we take customer concerns very seriously and conduct thorough investigations with a focus on the customer’s perspective.
Thank you for reaching out regarding ******* ***’s concerns. In response to the concerns raised with the Better Business Bureau by Mr. ***, we will cease all collection efforts, close the account in question, and return it to ******, Inc. for further handling. A copy of this complaint and our response will also be shared with our client for their records.
If the customer wishes to pursue their fraud allegations further, we encourage them to contact ****** directly so they can address any remaining concerns.
We apologize for any inconvenience this may have caused and appreciate the opportunity to resolve this matter.
Sincerely,
Michelle C********
Director of ComplianceCustomer Answer
Date: 03/05/2025
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.
Regards,
******* ***Initial Complaint
Date:03/04/2025
Type: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 received a letter from American Coradius International LLC on March 2, 2025, claiming I have an outstanding debt with *** **** Inc. with account number *******************, from 1/17/2025 in the amount of $849. Back on September 2, 2024, I had two fraudulent charges on my bank account in the amount of $849, listed as ******. However, after contacting *** **** they verified it was not them and someone mimicking ******. I believe this letter from American Coradius International LLL is also fraudulent, as I do not have a *** *** account or have ever used *** *** to pay for anything.Business Response
Date: 03/05/2025
To whom it may concern,
At American Coradius International LLC, we take customer concerns very seriously and conduct thorough investigations with a focus on the customer’s perspective.
Thank you for reaching out regarding Terryann Allison’s concerns. As a third-party agency, we work on behalf of ******, Inc. to collect outstanding balances.
In response to the concerns raised with the Better Business Bureau, we will cease all collection efforts, close the account in question, and return it to ******, Inc. for further handling. A copy of this complaint and our response will also be shared with our client for their records.
If the customer wishes to pursue their fraud allegations further, we encourage them to contact ****** directly so they can address any remaining concerns.
We apologize for any inconvenience this may have caused and appreciate the opportunity to resolve this matter.
Sincerely,
Michelle C********
Director of ComplianceCustomer Answer
Date: 03/05/2025
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.
Regards,
******** *******Initial Complaint
Date:03/02/2025
Type: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 received a letter in the mail on March 1, 2025 from American Coradius International LLC informing me that it was an attempt to collect a debt for $1978.36. This was the first time I'm learning about the alleged debt, and the balance owed was as of 05/05/24. There was no description of the charges except that it was from a ****** monthly account from a ******* account. I've never had an account with ******* nor did any transaction with them. In addition, I have not used my ****** for large transactions and the last time I used it was in April 2024. I tried to contact ACI by phone to no avail so I am hoping the BBB can resolve this matter for me.Business Response
Date: 03/03/2025
At American Coradius International LLC, we take all customer correspondence very seriously. We are committed to thoroughly researching every issue, ensuring that each concern is addressed with careful attention to the customer’s perspective.
Thank you for reaching out regarding ****** ******’s concerns. After reviewing the matter, American Coradius International LLC has decided to cease all collection efforts related to his account. The account will be closed and forwarded to our client, ****** *** *******, along with a copy of his complaint and our response.
We understand the importance of resolving customer concerns effectively. If Mr. ****** has any further questions or requires additional clarification, we kindly encourage him to contact ****** *** ******* directly. Their team will be best positioned to provide any necessary assistance and address any outstanding issues.
We sincerely apologize for any inconvenience this situation may have caused and appreciate the opportunity to address these concerns. Our goal is to ensure that every customer interaction is handled with professionalism, transparency, and respect.
Sincerely,
Michelle C********
Director of ComplianceCustomer Answer
Date: 03/03/2025
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.
Regards,
****** ******
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