Action Collection Service: Who They Are and Your Rights

Type

Collection agency

Also known as

Action Collection Service, Inc.; ACS; Interstate Collections of Idaho

Headquarters

Boise, ID

Collects

past-due accounts placed by businesses, returned checks

Phone numbers it lists

(208) 345-1750, (844) 842-1750, (208) 529-8800

Website

actioncollectionservice.com

34 debt collection complaints were sent to the Consumer Financial Protection Bureau about Action Collection Service from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.

Who Is Action Collection Service?

Action Collection Service, Inc. (ACS) says it was founded in 1961 and is a privately held corporation. Its corporate headquarters is at 6148 N. Discovery Way, Suite 100, Boise, Idaho, and it runs a second office at 160 N. Woodruff Avenue in Idaho Falls. The company's contact page lists Brent D. Harris as CEO and owner. Its Better Business Bureau profile also lists the alternate name Interstate Collections of Idaho.

ACS states that it is licensed and bonded in Idaho, Oregon, Washington, Utah, Montana, Colorado, Indiana, Kentucky, New Mexico and Hawaii, and that it belongs to the American Collectors Association and to the Idaho and Utah collectors associations.

Several unrelated businesses use the same or a similar name, including businesses listed in Montana and Oklahoma. Check the address and phone number on your notice to be sure which one is contacting you.

Why Action Collection Service May Be Contacting You

ACS does not name its clients online. Its services page describes general third-party collection work, including skip tracing (locating people), collection letters, specialized check recovery and "credit influencing," meaning credit reporting. A notice from ACS therefore means that some business has turned an unpaid account over to it, or that a check you wrote was returned unpaid. The creditor's name on the notice is the place to start.

The Boise office lists (208) 345-1750 and (844) 842-1750, and the Idaho Falls office lists (208) 529-8800. The company directs consumer disputes to its dispute department and asks that you include your current mailing address.

How to Check a Debt Action Collection Service Says You Owe

Because ACS collects for many different small creditors, the key question is usually which business the debt came from and whether the balance is right.

• Identify the creditor. The validation notice must name the creditor and itemize the debt (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). If you do not recognize the name, say so in a dispute.
• Dispute in writing within the validation period. ACS must stop collecting until it mails you verification. Include your current address, as ACS requests.
• Ask whether the account was sold. You can ask who owns the debt now and whether the original business still holds it.
• Check returned-check charges. For a bounced check, compare the amount demanded with the check amount and any service charge allowed by law in the state where you wrote it.
• Mind the age. Texas generally allows four years to sue on a consumer debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers cannot sue on time-barred consumer debt here (Tex. Fin. Code § 392.307). Idaho and other states have their own rules.

What Action Collection Service Can and Can't Do

An agency collecting debts for other businesses is a "debt collector" under 15 U.S.C. § 1692a(6) when the debt is a personal or household one. That means:

• Credit reporting is allowed, but it must be accurate, and a disputed debt must be reported as disputed (15 U.S.C. § 1692e(8)).
• It may not call you at work once it knows your employer does not allow those calls (15 U.S.C. § 1692c(a)(3)).
• It may not threaten jail or criminal charges over a returned check as a collection tactic, or any other action it cannot legally take.
• It must stop most contact after a written request to cease communication (15 U.S.C. § 1692c(c)).

We did not find a CFPB enforcement action against Action Collection Service. For more on your options, see our Texas FDCPA attorneys page.

We Sue Debt Collectors That Break the FDCPA

Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Action Collection Service or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.

Free FDCPA Case Review(214) 851-2250

Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.

Sources

• Action Collection Service: home page
• Action Collection Service: Contact us
• Action Collection Service: Services
• BBB business profile: Action Collection Service, Inc. (facts only)
• CFPB enforcement actions list
• CFPB Consumer Complaint Database: Action Collection Service, debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Action Collection Service has violated any law. Company details change; tell us if something here is out of date.