ACA International, the association of credit and collection professionals, is a trade association representing the credit and collection industry. Association members include third-party debt collection agencies, attorneys, creditors, asset buyers and vendors. ACA itself does not collect debt and does not send out collection letters.
ACA International members abide by the ACA Code of Ethics (addressing consumer and business issues) and Code of Operations (addressing issues between agencies or between agencies and their creditor-clients).
Please note: ACA has changed its process regarding the handling of consumer concerns. As of September 19, 2011, ACA is no longer directly involved in the resolution of consumer concerns against members. In an effort to facilitate resolution of consumer concerns regarding member conduct, ACA will continue to forward correspondence received from consumers to notify the member of the consumer concern and to request the member’s timely handling.
Concerns may be directed to firstname.lastname@example.org. Please clearly identify the company’s name and location or mailing address to help ACA identify the member. You may also direct concerns to ACA by fax at (952) 915-3922 or by mail at ACA International, Attn: Ethics staff, P.O. Box 390106, Minneapolis, MN 55439-0106. Consumer form.
Information about your rights as a consumer can be obtained from the Federal Trade Commission or Ask Doctor Debt, a free consumer financial literacy website created by the ACA International Education Foundation.
ACA will continue to facilitate resolution of member to member and creditor-client complaints as it has in the past.
If you represent a company and wish to file a complaint against a member, please complete the company complaint form.
Send the complaint form, along with any supporting documentation, to ACA:
- By e-mail at email@example.com
- By fax at (952) 915-3922
- By mail at ACA International, Attn: Ethics staff, P.O. Box 390106, Minneapolis, MN 55439-0106
If you have questions about the complaint process, please contact ACA’s Ethics staff at firstname.lastname@example.org.