Associated Credit and Collection Bureau Phone Harassment?

Receiving calls from Associated Credit and Collection Bureau is unsettling for most people, especially when the debt feels unfamiliar, the representative is pressing hard for payment details before explaining anything clearly, or the calls are coming in at a volume that makes you dread picking up your own phone. Our clients come to us in exactly that state. Some have already paid. Some have already asked for the calls to stop. Some genuinely do not know what this company is or what the debt is for.

At Consumer Rights Law Firm PLLC, we have been handling debt collection harassment cases since 2010. We hold a 5-star rating with the Better Business Bureau because we take every client’s situation seriously, not just the big cases. If Associated Credit and Collection Bureau has been calling you, the most important thing you can do right now is get accurate information before you respond, pay, or ignore the calls. This guide gives you that verified from official sources, state corporate records, and documented consumer experiences.

What Is Associated Credit and Collection Bureau?

Associated Credit and Collection Bureau is a registered Florida debt collection agency. It carries a Better Business Bureau rating of “F” and is not BBB accredited, which our firm treats as an immediate red flag when evaluating a client’s complaint.

Associated Credit and Collection Bureau, Inc. was founded in 1980 and incorporated in the state of Florida. The company operates out of Rockledge, in Brevard County, Florida, and has been in business for over four decades. According to Dun & Bradstreet and Buzzfile business intelligence records, Associated Credit and Collection Bureau employs approximately 35 people and generates an estimated $2.0 to $2.5 million in annual revenue. Florida Division of Corporations records on Sunbiz.org identify Thomas M. Dreher as the company’s registered agent and principal.

Verified Company Information:

• Full Legal Name: Associated Credit & Collection Bureau, Inc.
• Founded: 1980 Incorporated in Florida
• Registered Agent / Principal: Thomas M. Dreher
• Headquarters: 975 Eyster Blvd, Suite 1, Rockledge, FL 32955
• Primary Phone: (321) 636-3880
• Secondary Numbers: (321) 631-8800 | (321) 632-1008 | (321) 632-2296
• Annual Revenue: Approximately $2.0–$2.5 million
• Staff: Approximately 35 employees
• Facility: Approximately 19,000 square feet at 975 Eyster Blvd, Rockledge
• BBB Accredited: No
• BBB Rating: F
• State Regulator: Florida Office of Financial Regulation (850) 410-9805
• Type: Third-Party Debt Collector Collection Agency, except Real Estate

→ Associated Credit and Collection Bureau Better Business Bureau Profile

In our practice, an “F” BBB rating is not just a number, it tells us something about how a company has historically responded to consumer disputes. It says that when consumers brought formal complaints, the company did not engage constructively enough to earn or maintain a passing grade. That context is always the first thing we share with clients who come to us about Associated Credit and Collection Bureau.

What Type of Debt Does Associated Credit and Collection Bureau Collect?

Associated Credit and Collection Bureau collects consumer and commercial debts on behalf of medical practices, businesses, and service providers throughout Florida and nationally.

According to industry directory records at CollectionAgency.info, which categorizes Associated Credit and Collection Bureau as a Florida collection agency specializing in accounts receivable for medical practices and facilities, their documented service areas include:

• Medical practices, hospitals, and healthcare facilities: A primary collection industry for Florida-based agencies of their size
• Businesses owed money for goods or services rendered: Ancluding service providers, retail accounts, and professional services
• Consumer accounts generally: Any delinquent balance referred by an original creditor after internal efforts have failed
• Repossession-related services: Yellow Pages listings confirm repossession as a listed service area for Associated Credit and Collection Bureau

In our experience at Consumer Rights Law Firm PLLC, clients who call us about Associated Credit and Collection Bureau most often describe debts tied to medical billing a situation where the original bill may have been disputed with insurance, the patient never received clear communication about the remaining balance, and Associated Credit and Collection Bureau appears on a credit report without any prior written notice reaching the consumer. That sequence no notice, sudden credit damage is one of the most common complaint patterns we encounter involving Florida-based collection agencies of this size.

Is Associated Credit and Collection Bureau a Scam?

Associated Credit and Collection Bureau is a registered Florida business and not a classic scam operation but at least one publicly documented consumer account calls them a “strong-arm operation” with an “F” BBB rating and describes a representative who demanded credit card information on the phone in violation of federal collection law.

A verified Yelp review for Associated Credit and Collection Bureau states directly: “These people are a strong-arm operation. Nothing I’ve seen in my research online about them is good. They have a BBB rating of ‘F’. DO NOT give them your credit card info. They called us about something that was totally spurious and this guy WOULD NOT stop asking for our credit card numbers and did not follow federal law in regards to collections over the phone. After I finish this review, I’m getting in touch with the Federal agencies that keep watch over these type of scam artists.”

→ Associated Credit and Collection Bureau Yelp Profile

This account describes two separate concerns that our attorneys evaluate immediately when a client brings them to us: first, a collector demanding credit card numbers before identifying the debt a procedural violation of the FDCPA’s disclosure requirements and second, a debt the consumer describes as “spurious,” meaning they had no basis to recognize it as valid. Under federal law, Associated Credit and Collection Bureau is required to identify the debt and your right to dispute it in writing within five days of first contact. Demanding payment before doing any of that is a failure of basic compliance.

Known Associated Credit and Collection Bureau phone numbers:

• (321) 636-3880 Primary listed line
• (321) 631-8800 Secondary number
• (321) 632-1008
• (321) 632-2296

If a call is coming from Associated Credit and Collection Bureau and the representative presses for card payment before clearly identifying who they are, what the debt is, and who the original creditor is stop the call. Document it and contact our firm.

What Do Consumer Complaints and Reviews Show About Associated Credit and Collection Bureau?

Consumer complaint records for Associated Credit and Collection Bureau are consistent in their themes, aggressive payment demands, failure to identify debts properly, and an “F” Better Business Bureau rating with no accreditation.

Better Business Bureau “F” Rating, Not Accredited

The BBB’s official record for Associated Credit and Collection Bureau reflects the lowest possible rating “F” and confirms the company has not achieved BBB accreditation, meaning it has not agreed to the BBB Standards for Trust or passed its vetting process.

→ Associated Credit and Collection Bureau Better Business Bureau Profile

The BBB also confirms that consumers can and should check whether Associated Credit and Collection Bureau holds active licensing with the Florida Office of Financial Regulation which the BBB itself lists as a resource directly on the company’s profile page.

In our practice, when we see an agency that has operated for over four decades and still holds an “F” rating with the BBB, that trajectory not a recent stumble tells us the conduct consumers are complaining about is embedded in how this company operates, not an anomaly.

Yelp Consumer Review: Demanding Credit Card Numbers on the Phone

The sole Yelp review for Associated Credit and Collection Bureau is damning in its specificity. Beyond the rating itself, the reviewer explicitly states the company representative “WOULD NOT stop asking for our credit card numbers” on a call about a debt the reviewer describes as “totally spurious.” The reviewer committed immediately after the call to contacting federal agencies about the conduct.

What our clients describe in strikingly similar terms a collector who pushes hard for payment details before the consumer has had any opportunity to verify the debt is a pattern that fits squarely within the FDCPA’s prohibition on false or misleading representations and the requirement that collectors identify the debt and the consumer’s rights before pressing for payment. Under Section 809 of the FDCPA, Associated Credit and Collection Bureau must send written notice of the debt within five days of first contact including the amount, the name of the original creditor, and the consumer’s right to dispute. No written notice, no payment pressure.

800notes.com: Wrong Number Calls Documented

Consumer reporting site 800notes.com, which aggregates caller ID reports and consumer experiences with specific phone numbers, shows documented entries for Associated Credit and Collection Bureau’s number (321) 632-2296 including a report from a consumer who described receiving calls from this number where a representative identified the caller as “ACCB Associated Collection and Credit Bureau” while asking for a person the consumer had no connection to.

→ Search 800notes.com for Associated Credit and Collection Bureau Numbers

Wrong-number calls where Associated Credit and Collection Bureau contacts a person who has no relationship to the debt are not just an inconvenience. They are a documented compliance failure. In our practice, wrong-number calls that use automated dialing systems to reach a cell phone without consent are some of the most straightforward TCPA claims we handle, because the per-call damages accrue regardless of whether the consumer owes any debt at all.

Consumer.ftc.gov: FTC Complaint Portal (FDCPA Enforcement)

Consumers who have experienced harassing or illegal contact from Associated Credit and Collection Bureau can file complaints directly with the FTC, which co-enforces the FDCPA:

→ Report Fraud FTC Consumer Complaint Portal

The FTC’s most recent public data shows that debt collection is consistently among the top categories of consumer complaints received nationally each year, with excessive call frequency, failure to disclose the identity of the debt, and continued contact after stop requests among the most common specific issues cited. Every complaint filed about Associated Credit and Collection Bureau contributes to the regulatory picture of this company.

What Calling Tactics Does Associated Credit and Collection Bureau Use?

Based on verified consumer reports, the Yelp review, 800notes documentation, and the complaint patterns our attorneys see in practice, Associated Credit and Collection Bureau uses a pressure-focused collection approach that in several respects may violate the FDCPA and the Florida Consumer Collection Practices Act (FCCPA).

• Requesting payment before identifying the debt
  Collectors push for card details before clearly stating the creditor, amount, or consumer rights a strong sign of non-compliance and improper pressure tactics. In our practice, this is one of the most common red flags we see when agencies prioritize quick payments over legal obligations.
• Pursuing “spurious” or unverified debts
  Consumers report being contacted about debts they don’t recognize or never owed, often tied to billing errors or unresolved disputes (especially medical). Many clients come to us after being contacted about accounts they had already disputed, resolved, or never incurred in the first place.
• Wrong-number call patterns
  Calls are made to individuals with no connection to the alleged debtor, often due to poor data or aggressive skip tracing. We regularly see clients receive repeated calls despite informing collectors they are not the correct party.
• Excessive call frequency
  Repeated calls exceeding legal limits (more than 7 calls in 7 days or within 7 days of contact) create pressure before consumers can respond. High-volume calling patterns are a frequent complaint and often escalate before any validation is provided.
• Failure to send written validation notice
  Required written notice (debt amount, creditor, dispute rights) is often never sent, leaving consumers without proper information. Many clients report receiving only calls, with no formal validation notice, limiting their ability to dispute the debt properly.

Has Associated Credit and Collection Bureau Been Sued?

Yes, Associated Credit and Collection Bureau has been named as a defendant in federal court proceedings more than 10 times, according to publicly documented records. These cases involve allegations of illegal and harassing collection tactics and violations of consumer rights under the FDCPA.

PNC Bank, N.A. v. Associated Credit and Collection Bureau, Inc.

• Case No: 6:2015-cv-00161
• Court: U.S. District Court, Middle District of Florida
• Filed: February 3, 2015
• Judges: Gregory A. Presnell, Karla R. Spaulding
• Nature of Suit: Foreclosure
• Source: Federal Court Records

This case places the company in federal litigation within its operating region, showing involvement in creditor-related legal proceedings.

Gray v. Associated Credit and Collection Bureau, Inc.

• Case No: 0:2014-cv-60988
• Court: U.S. District Court, Southern District of Florida
• Filed: April 25, 2014
• Judge: Kathleen M. Williams
• Cause of Action: 15 U.S.C. § 1692
• Source: Federal Court Records

This federal case reflects FDCPA-related claims being brought against the company in Florida.

Clarke v. Associated Credit and Collection Bureau, Inc.

• Case No: 0:2014-cv-60980
• Court: U.S. District Court, Southern District of Florida
• Filed: April 24, 2014
• Judges: William P. Dimitrouleas, Lurana S. Snow
• Cause of Action: 15 U.S.C. § 1692
• Source: Federal Court Records

Filed within one day of the Gray case, this matter further reflects multiple consumer claims proceeding in the same jurisdiction.

What Are Your Rights Against Associated Credit and Collection Bureau?

You are protected by three federal laws and, if you are a Florida consumer, by a fourth state-level law with additional remedies.

Fair Debt Collection Practices Act (FDCPA)

• They cannot call more than 7 times in a 7-day period, or within 7 days of a completed phone call about the same debt
• They cannot call before 8 a.m. or after 9 p.m. in your local time zone
• They must send written notice within 5 days of first contact identifying the debt amount, original creditor, and your right to dispute
• They must pause all collection if you send a written dispute within 30 days of that notice they cannot resume until they mail you written verification
• They cannot demand payment before disclosing who they are and what the debt is
• They must stop all calls after receiving your written cease-and-desist
• They cannot contact your employer once you state calls there are not permitted
• They cannot discuss your debt with neighbors, family, or coworkers beyond narrowly permitted location inquiries
• You can sue in federal court for up to $1,000 statutory damages plus actual damages and attorney fees paid by Associated Credit and Collection Bureau, not you

Telephone Consumer Protection Act (TCPA)

• Associated Credit and Collection Bureau cannot use an auto-dialer or prerecorded message to reach your cell phone without prior express written consent
• Wrong-number automated calls after you have identified the error still carry full statutory damages
• Each unauthorized automated call or text carries $500 to $1,500 in statutory damages
• Consent can be revoked at any time every call after that is a willful $1,500-per-call violation

Fair Credit Reporting Act (FCRA) 15 U.S.C. § 1681

• Associated Credit and Collection Bureau cannot report inaccurate or unverifiable information to Equifax, Experian, or TransUnion
• Collection accounts expire 7 years from the original date of first delinquency on the underlying account not from when Associated Credit and Collection Bureau acquired it
• You can dispute inaccurate entries with all three bureaus and with Associated Credit and Collection Bureau as the data furnisher both must investigate within 30 days and remove what cannot be verified

Florida Consumer Collection Practices Act (FCCPA) Fla. Stat. § 559.72

Florida residents have additional protection beyond the FDCPA that applies to all collectors operating in Florida, including Associated Credit and Collection Bureau:

• Applies to both third-party collectors and original creditors broader than the federal FDCPA
• Prohibits communicating with your employer about any debt unless a judgment has already been entered
• Prohibits threatening action that has not been authorized or is not legally available
• Allows consumers to recover actual damages, statutory damages up to $1,000, punitive damages, injunctions, and attorney fees
• Statute of limitations: 2 years longer than the FDCPA’s one-year window

How to Stop Associated Credit and Collection Bureau From Calling You

Step 1: Build your documentation file before anything else. Screenshot every call in your log with dates, times, and the calling number. Save every voicemail from Associated Credit and Collection Bureau do not delete them even if they feel repetitive. Write a brief note for each call: was it a live person or an automated message? Did they identify themselves and the company at the start? Did they state the reason for the call before pressing for payment? Flag every call that came before 8 a.m. or after 9 p.m. in your time zone. What our clients tell us, without exception, is that they wish they had started documenting sooner because this log becomes the foundation of everything.

Step 2: Send a written cease-and-desist by certified mail with return receipt requested:

Associated Credit & Collection Bureau, Inc. 975 Eyster Blvd, Suite 1 Rockledge, FL 32955

State clearly that you revoke any consent to be contacted by phone and demand that all telephone contact cease. Keep your USPS tracking confirmation and the returned green card showing delivery. From the confirmed delivery date forward, every Associated Credit and Collection Bureau call is a potential independent FDCPA violation.

Step 3: Send a written debt validation request at the same time, if you have not already received written notice of the debt. Under FDCPA § 809(b), if you send this within 30 days of first contact, Associated Credit and Collection Bureau must pause all collection activity until they send you written verification. If they call during that verification period, that is an additional violation.

Step 4: File official complaints with every relevant regulator:

• FTC
• FCC
• CFPB
• BBB
• Florida Office of Financial Regulation
• Florida Attorney General

Step 5: Contact Consumer Rights Law Firm PLLC at (877) 700-5790 for a free case review. If Associated Credit and Collection Bureau demanded payment before identifying the debt, called after a stop request, used automated calling without your consent, reported inaccurate information to the credit bureaus, or called a number that belongs to someone with no connection to any debt these are precisely the situations our firm handles every day. We take FDCPA and TCPA cases at no upfront cost in most circumstances, because the law requires Associated Credit and Collection Bureau to pay attorney fees. Our clients pay nothing.

Consumer Rights Law Firm PLLC

Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contact our office to begin the process to stop the Associated Credit and Collection Bureau harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.

If you are interested in learning more about how to safeguard yourself and prevent harassment from Associated Credit and Collection Bureau. It is important to maintain your security and protect your personal information to prevent identity theft and fraud when dealing with debt collectors. Call us at 877-700-5790 for immediate assistance or visit our website.

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