American Coradius International, LLC collects PayPal Credit balances through PayPal’s banking partner, Comenity Capital Bank. Five documented federal lawsuits describe a pattern of communication built to confuse consumers about what they owe and what rights they have. One 2018 case alleged ACI told a consumer that verbal disputes were not allowed under the FDCPA, which is false.
Key Takeaways
- 💳 American Coradius International, LLC (ACI) is a real debt collector based in Amherst, NY, not a scam
- 🅿️ Their most-named client is PayPal, collected through Comenity Capital Bank accounts
- 🚫 A 2018 lawsuit alleged ACI falsely told a consumer that verbal disputes were not allowed under the FDCPA
- ⚖️ Five documented federal lawsuits cover misleading settlement letters, undisclosed interest, and PayPal collection practices
- 📋 Hundreds of BBB and CFPB complaints describe harassment and collecting debts not owed
- ✅ You can dispute a debt verbally under the FDCPA, no matter what a collector tells you
Free Case Review: +1-844-638-1122
Who Is American Coradius International?
American Coradius International, LLC, also known as ACI, ACI LLC, and ACI-US, is a third-party debt collection agency headquartered at 2420 Sweet Home Road, Suite 150, Amherst, NY 14228. The company collects consumer financial debts for original creditors, with PayPal, through Comenity Capital Bank, among its most prominent client relationships. 💳
In our practice, the PayPal connection is what brings most clients to us confused rather than certain about what they owe. PayPal Credit balances involve fee structures and interest terms that are easy to lose track of, and ACI’s own lawsuit history includes allegations of failing to disclose whether a stated balance was still growing. That combination makes verification worth doing before any payment.
- Address: 2420 Sweet Home Road, Suite 150, Amherst, NY 14228
- Phone: (800) 759-2241 | 800-759-2241 | +1 (800) 759-2241 | 8007592241
- Also reported: (716) 418-7200 | 716-418-7200 | +1 (716) 418-7200 | 7164187200
- (716) 995-7300 | 716-995-7300 | +1 (716) 995-7300 | 7169957300
- (888) 863-8462 | 888-863-8462 | +1 (888) 863-8462 | 8888638462
- (855) 295-8173 | 855-295-8173 | +1 (855) 295-8173 | 8552958173
- (888) 895-5706 | 888-895-5706 | +1 (888) 895-5706 | 8888955706
- (888) 400-7793 | 888-400-7793 | +1 (888) 400-7793 | 8884007793
- (312) 818-5250 | 312-818-5250 | +1 (312) 818-5250 | 3128185250
- (855) 224-3009 | 855-224-3009 | +1 (855) 224-3009 | 8552243009
- Email: electronicdisputes@acillc.us
- Payment portal: acibillpay.com
Why Is American Coradius International Contacting You About PayPal?
American Coradius International collects defaulted PayPal accounts through Comenity Capital Bank, the financial institution that underwrites PayPal Credit. When a PayPal Credit balance goes delinquent, Comenity Capital Bank may assign or sell that account to ACI for collection.
Guerrido et al. v. American Coradius International LLC et al. (2018) was filed specifically over ACI’s collection practices for defaulted PayPal and Comenity Capital Bank accounts, alleging FDCPA and Wisconsin Consumer Act violations. 🅿️ That case establishes the conduct alleged was not isolated to a single consumer. If you received an ACI letter about a PayPal debt, verify the balance against your PayPal account history before paying anything.
Is American Coradius International a Scam?
American Coradius International is a real, licensed debt collection agency, not a scam. It operates from Amherst, New York, and collects consumer financial debts for original creditors. 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.
If an ACI representative told you that you could only dispute a debt in writing, that statement is false. 🚫 The FDCPA does not prohibit oral disputes, and a misrepresentation about your rights may itself be an actionable violation.
Is American Coradius International Banned by the FTC?
No. The FTC has not banned American Coradius International from operating. Five documented federal lawsuits and an ongoing volume of consumer complaints reflect accountability running through the courts rather than a single FTC action.
In our practice, we treat the false verbal-dispute claim as the most serious pattern in ACI’s history, because telling a consumer their rights are narrower than they actually are strikes at the core purpose of the FDCPA. If a representative told you something similar, document the exact wording used.
What Courts Have Said About American Coradius International
ACI has faced five documented federal lawsuits, collectively revealing a pattern of communication that obscures what consumers owe and what rights they have.
- Guerrido et al. v. American Coradius International LLC et al. (2018): A class action alleging FDCPA and Wisconsin Consumer Act violations tied to defaulted PayPal and Comenity Capital Bank account collection.
- Norton v. American Coradius International LLC (2018): A class action alleging ACI sent settlement letters offering to “settle” a debt while simultaneously indicating a remaining balance would still be due.
- 2018 phone dispute case: Alleges ACI told a consumer that the FDCPA required disputes in writing, a false statement that would have stripped the consumer of their right to dispute verbally.
- Nedd v. American Coradius International LLC (2017): A class action alleging ACI’s collection notices failed to include required disclosure language about whether the stated balance was increasing due to interest or fees.
- Hines v. American Coradius International LLC (2017): Alleges ACI’s letters failed to state whether the balance included interest or when payment was due, making the letter misleading under the FDCPA’s least-sophisticated-consumer standard.
When we open an ACI file, we compare the letter’s language against the exact gaps flagged in Nedd and Hines, since a company facing five separate suits tends to keep its weakest habits across account types. If your letter shares that pattern, it becomes part of your evidence.
How Do I Stop Calls From American Coradius International?
Knowing your actual rights matters most here, since a documented ACI tactic involves misstating them.
- Know that verbal disputes are valid: the FDCPA does not require disputes in writing, regardless of what an ACI representative claims
- Request written debt validation: send a certified letter within 30 days asking for the original account agreement, full payment history, and any interest or fee breakdown
- Check settlement letters for contradictions: the Norton case involved letters that offered a “settlement” while still indicating a remaining balance
- Send a cease-and-desist letter: if calls continue, ACI must stop contact except to confirm cessation or notify you of legal action
How Do I Remove American Coradius From My Credit Report?
ACI’s documented history of failing to disclose interest accrual means the reported balance on your file may include amounts that were never clearly communicated to you.
- Dispute inaccurate entries in writing with Equifax, Experian, and TransUnion, citing the specific discrepancy
- For PayPal accounts, compare the reported balance against your PayPal history and any Comenity Capital Bank statements
- Negotiate pay-for-delete in writing before paying, specifying all three bureaus
- Dispute inaccurate reporting under the Fair Credit Reporting Act if ACI’s numbers don’t match your records
How The Wood Firm PLLC Handles American Coradius Cases
Five federal lawsuits all target the same vulnerability: communications that obscure what consumers owe and what rights they actually have. We review whether ACI misstated your dispute rights, whether a settlement letter contradicted itself, and whether interest disclosure requirements were met.
We send legal notice as soon as you call, and contact typically stops within 48 hours. You pay nothing unless we win. Reach us at +1-844-638-1122.
Has American Coradius International called you about a PayPal balance you don’t fully understand? 📞 Visit our contact page or call +1-844-638-1122 for a free case review. The Wood Firm PLLC handles these cases on contingency, and 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. It is not a scam, but five federal lawsuits and hundreds of BBB and CFPB complaints 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. Guerrido v. ACI specifically challenged their collection practices for these accounts. Verify your balance against your PayPal history before making 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. Document exactly what was said, since that misrepresentation may be an actionable violation on its own.
Their settlement letter is confusing about what payment resolves. Is that normal?
No. The Norton class action alleged ACI sent letters that contradicted themselves about whether a balance would remain after settlement. Document any internally contradictory letter carefully before responding.
Their letter shows a balance but doesn’t mention interest. Is that a problem?
Potentially. The Nedd and Hines lawsuits alleged ACI failed to disclose whether stated balances were accruing interest, a required FDCPA disclosure. That omission may mirror the violations alleged in those cases.
Should I pay American Coradius International before speaking to an attorney?
No. Given ACI’s documented history of contradictory settlement letters and undisclosed interest accrual, what they claim you owe may not be accurate. A free consultation costs nothing.
What Should You Do If ACI Contacts You?
Request written validation before paying anything, and remember you can dispute a debt verbally no matter what a representative claims. 🗒️ Save every letter and call log tied to the account. Call +1-844-638-1122 for a free review of your options.
Jeff Wood founded The Wood Firm PLLC exclusively for consumer protection cases and has never represented a creditor or collector. He holds federal court admissions across 9 districts, including all courts of AR, CO, NM, and TX. He practices from Little Rock, AR.
