ACA International - The Association of Credit and Collection Professionals (ACA) is a trade association for the credit and collection industry. Our members include collection agencies (third-party debt collectors), attorneys, credit grantors, asset buyers and vendors. ACA itself does not collect debt nor send out collection letters.
ACA International members are bound to 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). You can view the ACA Code of Ethics and Code of Operations or ACA Code of Ethics and Code of Operations - Spanish on the Web site. You can view the Procedural Rules for the Ethics Committee or Procedural Rules for the Ethics Committee - Spanish on this Web site.
ACA International has in place a documented process for resolving disputes that involve its members.
If you wish to file a formal complaint with ACA against an ACA member, please verify the company's contact information. You can verify membership and contact information through this Web site.
If the company is not a member, ACA will forward your complaint to the non-member. Non-members of ACA are not bound to ACA's Code of Ethics and Code of Operations and therefore are not required to respond to the complaint or follow ACA's resolution process. If you are unable to resolve the dispute directly with this non-member company, you may wish to contact your Secretary of State or Attorney General for direction.
If you are a consumer who wishes to file a complaint against a member, please complete the consumer complaint form. If you are a company who wishes to file a complaint against a member, please complete the company complaint form.
Any complaint, charge, statement, writing, or allegation arising out of proceedings involving these Rules concerning the alleged unprofessional conduct of a Member is privileged and confidential. Additionally, any complaint, charge, statement, writing or allegation resulting in a decision or order rendered by ACA's Ethics Committee to sanction a Member is privileged and confidential, except to publish the sanction against the Complainee-Member in the Association's Official Publication and on the Association's Web site for a period of thirty calendar days upon expiration of the Member's right to appeal as provided by ACA's Procedural Rules for the Ethics Committee.
