Bounce AI: Who They Are and Your Rights

Type

Collection agency

Also known as

Bounce AI, Inc.; Bounce

Headquarters

Rochester, NY

Collects

bank and lender account balances

Phone numbers it lists

(888) 482-5060

Website

bounceai.com

1,285 debt collection complaints were sent to the Consumer Financial Protection Bureau about Bounce AI, 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 Bounce AI?

Bounce AI, Inc. describes itself as a debt resolution company and, in the footer of its website, states that it "is a debt collector attempting to collect a debt." Its listed address is 333 Metro Park, Suite S-205, Rochester, New York 14623, and its published phone number is (888) 482-5060. The company says it works with more than 50 creditor partners.

Bounce AI's licensing page lists NMLS ID 2440406 and licenses or registrations in roughly 40 jurisdictions, including Texas. Most are collection-agency licenses, but the list also includes consumer-lending, sales-finance and loan-servicing licenses in several states, and an Oregon debt buyer license. In 2024 the Nebraska Department of Banking and Finance published notice that Bounce AI had applied for an installment loan license to "operate installment loan servicing business activities" there.

We did not find a CFPB enforcement action against Bounce AI.

Why Bounce AI May Be Contacting You

Bounce AI's site says it helps "banks and lenders" resolve account balances. In practice that usually means a personal loan, an online installment loan, a line of credit or a bank-account balance that fell behind. Its model leans on digital contact: the site promotes online self-service, an email address for consumers, and a chat tool that tells visitors it is a debt collector.

Because so much of its outreach can arrive by text or email, check the sender before clicking a link. If you are unsure a message is genuine, go to bounceai.com directly or call the number above rather than replying.

How to Check a Debt Bounce AI Says You Owe

Lender accounts often involve fees, interest and partial payments that make the balance hard to follow. Before you settle:

• Get the validation notice. Federal law (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34) requires a notice naming the creditor, itemizing interest, fees, payments and credits since a reference date, and giving a dispute deadline. A collector may deliver it electronically only if it follows Regulation F's e-delivery rules.
• Dispute in writing within the validation period if anything looks wrong. Bounce AI must then stop collecting the disputed amount until it sends verification. See how to dispute a debt.
• Confirm the owner. Ask whether the original lender still owns the account or sold it, and get the lender's name and your original account number.
• Check the math against your loan records. Compare the claimed balance with your loan agreement and the payments your bank statements show.
• Check the date of default. Texas generally allows four years to sue on a debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debts (Tex. Fin. Code § 392.307). Other states set different periods.

What Bounce AI Can and Can't Do

When it collects debts owed to its lender clients, Bounce AI is a "debt collector" under 15 U.S.C. § 1692a(6). Points that matter for a text- and email-heavy collector:

• Every text and email must let you opt out, and it must honor an opt-out (12 C.F.R. § 1006.6(e)). See can collectors text or email me.
• It may not email you at an address it knows your employer provides, with narrow exceptions (12 C.F.R. § 1006.22(f)(3)).
• Calls are presumed excessive above seven in seven days about one debt (12 C.F.R. § 1006.14(b)(2)).
• It may collect only amounts the agreement or the law authorizes (15 U.S.C. § 1692f(1)). If a "convenience" fee appears for paying online, ask where your contract allows it; the CFPB's 2022 opinion on these fees was withdrawn in 2025, but the statute is unchanged (background).
• It may not misstate the balance or the consequences of not paying (15 U.S.C. § 1692e).

Questions about a collector's conduct? See our 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 Bounce AI 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

• Bounce AI: home page
• Bounce AI: Licenses
• Nebraska Department of Banking and Finance: notice of Bounce AI, Inc. installment loan license application (Oct. 11, 2024)
• CFPB enforcement actions search: Bounce
• CFPB Consumer Complaint Database: Bounce AI, Inc., debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Bounce AI has violated any law. Company details change; tell us if something here is out of date. Lea este perfil en español.