American Coradius International, LLC (ACI) is a debt collection agency based in Amherst, New York, that collects on behalf of major financial creditors – most notably PayPal, through PayPal’s banking partner Comenity Capital Bank. If you received an ACI letter or call about a PayPal balance, or if your caller ID shows an 800-759-2241 or 716-area-code number, you are dealing with a collector that has faced five documented federal lawsuits including a class action specifically for PayPal and Comenity Capital Bank account collections.
One of their documented tactics is particularly harmful: a 2018 lawsuit alleged ACI told consumers over the phone that verbal disputes were not permitted under the FDCPA – which is false. The FDCPA does not require written disputes; telling a consumer otherwise may strip them of rights they actually have. Whether you owe the PayPal balance or not, call +1-844-638-1122 – The Wood Firm PLLC works on contingency.
Key Takeaways
- American Coradius International, LLC (ACI) is a real debt collector based in Amherst, NY – not a scam
- Their most-named client: PayPal, collected through Comenity Capital Bank accounts
- A 2018 lawsuit alleged ACI told consumers verbal disputes were not allowed under the FDCPA – this is false and potentially an actionable deception
- Five documented federal lawsuits cover misleading settlement letters, undisclosed interest accrual, and PayPal/Comenity Capital Bank collection practices
- Hundreds of BBB and CFPB complaints for harassment, improper communication, and collecting debts not owed
- The Wood Firm PLLC works on contingency – whether you owe the debt or not, we can help you
Who Is American Coradius International, LLC?
American Coradius International, LLC – also known as ACI, ACI LLC, ACI-US, and sometimes searched as “AM Coradius” or “American Coradius Incorporated” – is a third-party debt collection agency headquartered at 2420 Sweet Home Road, Suite 150, Amherst, NY 14228. They collect consumer financial debts on behalf of original creditors, with PayPal (through Comenity Capital Bank) among their most prominent client relationships.
Their BBB complaint file documents hundreds of complaints for harassment, improper communication, and collecting debts consumers did not owe. They operate a secure online payment portal for account access.
Contact information:
- Official phone: (800) 759-2241 / 800-759-2241 / 8007592241
- Also reported: (716) 418-7200 / 716-418-7200 / 7164187200
- Also reported: (716) 995-7300 / 716-995-7300 / 7169957300
- Address: 2420 Sweet Home Road, Suite 150, Amherst, NY 14228
- Payment portal: available through their official website
American Coradius International and PayPal Debt Collection
If you received an ACI letter or call about a PayPal balance, you are dealing with a specific and documented creditor relationship. American Coradius International collects on defaulted PayPal accounts through Comenity Capital Bank – the financial institution that underwrites PayPal Credit and PayPal’s lending products. When a PayPal Credit balance goes delinquent, Comenity Capital Bank may assign or sell that account to ACI for collection.
The Guerrido et al. v. American Coradius International LLC et al. (2018) class action was filed specifically regarding ACI’s debt collection practices for defaulted PayPal and Comenity Capital Bank accounts, alleging violations of the FDCPA and the Wisconsin Consumer Act. This case establishes that ACI’s PayPal collection practices have been challenged at the class level – meaning the conduct alleged was not isolated to one consumer.
If you received an ACI letter about a PayPal debt, verify the balance against your PayPal account history before paying anything. PayPal credit products carry specific fee structures, and the Nedd and Hines lawsuits established that ACI has allegedly failed to disclose whether stated balances include accruing interest or fees.
Whether You Owe The Debt Or Not, We Can Help You!
Federal law protects you from abusive debt collection regardless of whether the debt is valid. You may be entitled to:
- Up to $1,000 per FDCPA violation
- Actual damages for emotional distress and financial harm
- Attorney fees paid by ACI if we win
✓ We work on contingency — You pay nothing unless we win
FREE Case Review: +1-844-638-1122
How to Stop Calls from American Coradius International
To stop calls from American Coradius International, the most critical first step is knowing your actual rights – because a documented ACI tactic involves misstating them. If you’re receiving calls from (800) 759-2241 / 800-759-2241 / 8007592241, (716) 418-7200 / 716-418-7200 / 7164187200, or (716) 995-7300 / 716-995-7300 / 7169957300, here is what to do:
1. Know That Verbal Disputes Are Valid – Regardless of What ACI Says
A 2018 lawsuit alleged ACI told a consumer during a phone call that verbal disputes were not permitted under the FDCPA and that disputes had to be submitted in writing. That statement is false. While written disputes are advisable because they create a documented record, the FDCPA does not prohibit oral disputes. If an ACI representative told you that you could only dispute in writing, that misrepresentation may itself be an actionable FDCPA violation.
2. Request Written Debt Validation
Within 30 days of first contact, send a written validation request via certified mail to 2420 Sweet Home Road, Suite 150, Amherst, NY 14228. For PayPal and Comenity Capital Bank accounts specifically, request the original account agreement, the complete payment history, and a breakdown of any interest or fees included in the stated balance. The Nedd and Hines cases established that ACI has allegedly failed to disclose whether balances are accruing – their validation response may reveal whether the amount they claim is growing.
3. Check Any Settlement Letter for Internal Contradictions
The Norton class action alleged ACI sent settlement letters that were internally contradictory – stating the debt would be “settled” while also indicating the consumer would still owe a remaining balance. If your ACI letter includes a settlement offer, read it carefully for language that appears to contradict itself about what payment actually resolves. Document the letter exactly as received before responding to anything.
4. Send a Cease-and-Desist Letter
If calls continue, send a written cease-and-desist via certified mail. Under the CFPB’s debt collection rules, ACI must stop contact except to confirm cessation or notify you of legal action. Keep your receipt as proof.
5. Hire an Attorney
Once ACI knows you have legal representation, all contact routes go through your attorney. The Wood Firm PLLC works on contingency – whether you owe the debt or not. Call +1-844-638-1122.
What Courts Have Said About American Coradius International
ACI has faced five documented federal lawsuits, collectively revealing a pattern of communication practices designed to confuse consumers about what they owe and what rights they have.
In Guerrido et al. v. American Coradius International LLC et al. (2018), a class action alleged FDCPA and Wisconsin Consumer Act violations specifically regarding ACI’s collection of defaulted PayPal and Comenity Capital Bank accounts. In Norton v. American Coradius International LLC (2018), a class action alleged ACI sent settlement letters containing contradictory statements – offering to “settle” while simultaneously indicating a remaining balance would still be due, leaving consumers unable to determine what payment would actually resolve.
A separate 2018 lawsuit alleged ACI made deceptive phone calls and improperly told a consumer that the FDCPA required written disputes – a false statement that, if true, would have stripped the consumer of their right to challenge the debt verbally. In Nedd v. American Coradius International LLC (2017), a class action alleged ACI collection notices failed to include “safe harbor” language disclosing whether the stated balance was increasing due to interest or fees. Hines v. American Coradius International LLC (2017) raised the same issue – that ACI’s letters failed to state whether the account balance included interest or when payment was due, making the letter misleading to the least sophisticated consumer standard under the FDCPA.
How to Remove American Coradius from Your Credit Report
To remove American Coradius International from your credit report, verify the entry carefully – their documented history of failing to disclose interest accrual means the reported balance may include amounts that were never clearly communicated to you.
- If the entry is inaccurate – dispute in writing with Equifax, Experian, and TransUnion, citing the specific discrepancy. For PayPal accounts, compare against your PayPal account history and any Comenity Capital Bank statements.
- If the balance includes undisclosed interest – the Nedd and Hines cases establish this as a documented ACI pattern. Reference the discrepancy between the stated balance and what was ever disclosed to you in writing.
- Pay-for-delete – negotiate written deletion from all three bureaus before any payment. Get it confirmed in writing specifying all three bureaus.
- FCRA grounds – if ACI reported inaccurately, you may have a separate Fair Credit Reporting Act claim. You can also review your rights at the FTC’s debt collection rights resource.
Why The Wood Firm PLLC Is the Right Call Against American Coradius
Five federal lawsuits, all targeting the same vulnerability: ACI’s communications that allegedly obscure what consumers owe, what rights they have, and what paying actually resolves. The false verbal dispute claim is the most brazen – telling a consumer their rights are narrower than they actually are is exactly the kind of conduct the FDCPA was written to prevent.
The Wood Firm PLLC has handled FDCPA, FCRA, and TCPA cases exclusively since 2010. Contact stops within 48 hours of legal notice. You pay nothing unless we win.
Call +1-844-638-1122 and let’s see what they’ve actually sent you.
About Attorney Jeff Wood
Jeff Wood founded The Wood Firm PLLC exclusively for consumer protection – FDCPA, FCRA, and TCPA cases. With over 15 years of experience and Of Counsel relationships in Arizona, California, Florida, Louisiana, Minnesota, Missouri, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Washington, and West Virginia, he has never represented a creditor or collection agency.
Real People. Real Violations. Real Results.
“ACI called me about a PayPal Credit balance I disputed. When I tried to dispute verbally, the agent told me the FDCPA only allowed written disputes. The Wood Firm PLLC told me that was false – and potentially an FDCPA violation itself. They pursued the claim and I received statutory damages without ever having to pay ACI.”
— Client, Wisconsin
“ACI sent me a settlement letter that said the debt would be settled but then mentioned I’d still owe a remaining balance. I couldn’t understand what paying would actually resolve. The Wood Firm PLLC identified the contradictory language as matching the Norton case pattern and challenged it. The collection was dropped.”
— Client, New York
“ACI’s letter showed a balance but never explained whether that number was growing due to interest. The Wood Firm PLLC pointed out that’s what the Nedd and Hines cases were about – failing to disclose interest accrual. They challenged the entry, it was removed from my credit report, and I was compensated.”
— Client, New Jersey
Whether You Owe The Debt Or Not, We Can Help You!
Free Consultation • No Upfront Costs • ACI Pays Our Fees If We Win
Common Questions About American Coradius International
Is American Coradius International legitimate or a scam?
Legitimate – a real, operating debt collection agency based in Amherst, NY. Not a scam. But five federal lawsuits and hundreds of BBB and CFPB complaints for harassment, improper communication, and collecting debts not owed document a compliance record worth taking seriously.
Why is American Coradius International contacting me about PayPal?
ACI collects defaulted PayPal Credit accounts on behalf of Comenity Capital Bank, which underwrites PayPal’s credit products. A 2018 class action – Guerrido v. ACI – specifically challenged their collection practices for PayPal and Comenity Capital Bank accounts. Verify the balance against your PayPal history before engaging with any payment.
ACI told me I can only dispute in writing – is that true?
No. A 2018 lawsuit alleged ACI falsely told a consumer that verbal disputes were not permitted under the FDCPA. That statement is false – the FDCPA does not prohibit oral disputes. If an ACI representative told you that, document exactly what was said. That misrepresentation may be an actionable FDCPA violation on its own.
Their settlement letter is confusing about what payment resolves – is that normal?
No. The Norton class action specifically alleged ACI sent letters that contradicted themselves – stating a debt would be “settled” while also indicating a remaining balance would still be owed. If your ACI settlement letter is internally contradictory, document it carefully. That confusion may not be accidental. Call +1-844-638-1122 before paying anything.
Their letter shows a balance but doesn’t mention if it’s growing – is that a problem?
Potentially. Both the Nedd and Hines lawsuits alleged ACI collection notices failed to disclose whether stated balances were accruing interest or fees – violating FDCPA “safe harbor” disclosure requirements. If your letter shows a balance without any statement about whether interest is accruing, that omission may mirror the documented violations in those cases.
Should I pay American Coradius International before speaking to an attorney?
No. Given their documented history of contradictory settlement letters, undisclosed interest accrual, and false statements about dispute rights, what ACI claims may not accurately reflect what you legally owe or what your full rights are. Whether you owe the PayPal debt or not, The Wood Firm PLLC can help you. Call +1-844-638-1122 before paying anything.
