Advanced Collection Bureau: Who They Are and Your Rights

Type

Collection agency

Also known as

Advanced Collection Bureau, Inc.; ACB

Headquarters

Rockledge, FL

Collects

apartment and rental move-out balances, student housing balances, medical bills, contracted services

Phone numbers it lists

(321) 633-4999

Website

advancedcb.com

100 debt collection complaints were sent to the Consumer Financial Protection Bureau about Advanced Collection Bureau, Inc. 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 Advanced Collection Bureau?

Advanced Collection Bureau, Inc. (ACB) is a third-party collection agency with its corporate headquarters at 1535 Cogswell Street in Rockledge, Florida. Its website says it has been operating for more than 25 years and describes itself as offering "Fair Debt Collection, for both Consumer and Commercial" accounts with nationwide coverage. On its About page, the company says Florida collection agencies are regulated by the Office of Financial Regulation and that it is registered with the State of Florida. Its main published number is (321) 633-4999.

Why Advanced Collection Bureau May Be Contacting You

Most of ACB's website is written for landlords. It lists services for residential collections, apartment and multifamily communities, single-family rental homes and student housing, all aimed at recovering balances owed by former residents. If ACB contacts you, the most likely reason is a charge a past landlord says you owe after move-out: unpaid rent, early-termination fees, cleaning or repair charges, or utilities billed through the lease. The site also lists medical collections and "contracted services" for contractors and service providers, so a letter could instead concern a medical bill or a service invoice. The letter should name the creditor, such as the apartment community or its management company.

How to Check a Debt Advanced Collection Bureau Says You Owe

Move-out balances are often disputed because they combine rent with charges the landlord decided on after you left. Before paying, gather your lease, your move-in and move-out inspection reports, any photos you took, and the final account statement (sometimes called a deposit disposition).

• Use the validation notice. ACB must send a notice listing the creditor, an itemized balance and your dispute deadline (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). Compare its itemization line by line with the landlord's final statement.
• Dispute in writing before the deadline. Ask for the lease, the ledger, and documentation of each damage or cleaning charge. A written dispute within the validation period requires ACB to pause collection until it sends verification.
• Check whether your deposit was credited. A balance that ignores your security deposit, or charges for ordinary wear and tear, is worth challenging.
• Confirm who owns the account. Ask whether the landlord still owns it or has sold it.
• Watch the age of the debt. In Texas, most suits to collect a debt must be filed within four years (Tex. Civ. Prac. & Rem. Code § 16.004), and a debt buyer may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Florida and other states set their own deadlines.

Our Q&A on how to dispute a debt with a collector walks through the letter itself.

What Advanced Collection Bureau Can and Can't Do

A company that regularly collects debts owed to others is a "debt collector" under the FDCPA, 15 U.S.C. § 1692a(6). That covers ACB when it collects a landlord's or medical provider's consumer account. Some practical limits:

• It cannot add fees or charges unless your lease or the law allows them (15 U.S.C. § 1692f(1)).
• It cannot misstate the amount or the character of the debt, including presenting disputed damage charges as rent you agreed to.
• Regulation F presumes a violation if it calls more than seven times in seven days about one account (12 C.F.R. § 1006.14(b)(2)).
• It may not report a debt to a credit bureau before contacting you about it (12 C.F.R. § 1006.30(a)), and it must note that a debt is disputed if it reports after you dispute.

We did not find a CFPB enforcement action against Advanced Collection Bureau. If a rental collection seems wrong, 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 Advanced Collection Bureau 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

• Advanced Collection Bureau: home page
• Advanced Collection Bureau: About
• CFPB enforcement actions list
• CFPB Consumer Complaint Database: Advanced Collection Bureau, Inc., debt collection

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