American Coradius International: Who They Are and Your Rights

Type

Collection agency

Also known as

American Coradius International LLC; ACI

Headquarters

Amherst, NY

Collects

delinquent and charged-off consumer loans, accounts for banks and fintech lenders

Phone numbers it lists

(800) 759-2241

Website

americancoradiusinternational.com

401 debt collection complaints were sent to the Consumer Financial Protection Bureau about American Coradius International LLC 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 American Coradius International?

American Coradius International LLC, usually shortened to ACI, is a receivables management company based at 2420 Sweet Home Road, Suite 150, in Amherst, New York, a suburb of Buffalo. The Better Business Bureau lists 1989 as the year the business started and shows the current limited liability company formed in 2005. ACI calls itself a nationally licensed collection agency and publishes its NMLS number, 816187, on its website.

ACI's consumer line is (800) 759-2241 (written on its site as 1-800-759-ACI1). The site lists weekday hours that run until 8 p.m. Eastern early in the week and until 5 p.m. on Fridays.

We did not find a CFPB enforcement action against American Coradius International.

Why American Coradius International May Be Contacting You

ACI describes its business as serving national and regional lenders, including fintech companies, and handling accounts from early delinquency through charge-off. It offers both third-party recovery and "first-party" account servicing. That distinction matters: in a first-party program, ACI may contact you in the lender's name about a loan that is only a little past due, while in third-party recovery it contacts you as ACI about an account the lender has written off.

So a call from ACI most often concerns a personal loan, credit card or other consumer credit account with a bank or online lender. The lender's name should appear in the first letter you receive.

How to Check a Debt American Coradius International Says You Owe

Online loans can change hands and pick up fees quickly, so check the chain of ownership and the math.

• Read the validation notice. It should name the lender, give the account number, and itemize interest, fees, payments and credits since a fixed date (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
• Dispute in writing within the validation period if anything is wrong or unfamiliar. ACI must then stop collecting until it sends verification.
• Ask whether the lender still owns the loan. Some fintech loans are sold after charge-off. If a buyer owns it now, ask for its name.
• Compare against your loan agreement. Check the interest rate and late-fee terms in your contract against what ACI's itemization shows.
• Know the time limit. Texas generally allows four years to sue on a consumer debt (Tex. Civ. Prac. & Rem. Code § 16.004), and a debt buyer cannot sue on a time-barred consumer debt (Tex. Fin. Code § 392.307). Other states set different periods, and a partial payment may have consequences, so ask before paying on an old loan.

What American Coradius International Can and Can't Do

When it collects charged-off accounts for lenders, ACI is a "debt collector" under 15 U.S.C. § 1692a(6). (A company servicing an account in the creditor's own name, before default, may fall outside that definition, so ask which role ACI is playing on your account.) As a debt collector:

• It must follow Regulation F's call-frequency presumption: no more than seven calls in seven days per debt (12 C.F.R. § 1006.14(b)(2)).
• Its emails and texts must offer a simple way to opt out (12 C.F.R. § 1006.6(e)).
• It may not threaten a lawsuit the lender has not decided to file (15 U.S.C. § 1692e(5)).
• It may not collect interest or fees that your loan agreement or the law doesn't allow (15 U.S.C. § 1692f(1)).

Learn more about texts and emails from collectors, or contact our FDCPA attorneys.

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 American Coradius International 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

• American Coradius International: home page
• BBB business profile: American Coradius International (facts only)
• CFPB enforcement actions search
• CFPB Consumer Complaint Database: American Coradius International LLC, debt collection

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