This debt collection scam campaign operates through a coordinated network of five phone numbers centered around 855-403-0146, which serves as the primary contact number connecting to four other numbers: 561-973-9204, 346-383-5698, 866-637-2482, and 861-662-1703, all linked through same campaign relationships with 0.70 confidence ratings. The operation utilizes the domain ac-pay.online as a payment portal, which has been reported together with the central phone number 855-403-0146 and is connected to both debt collection companies in the network. Two companies are involved in this scheme: ACCOUNT SERVICES INC., which has generated 8 CFPB complaints, and Medical Services Inc, which has received 4 CFPB complaints, both operating in the debt collection industry.
The scammers impersonate "AssetCare, a DebtCollector" and target consumers with fraudulent debt collection notices. Community reports reveal specific tactics including text messages addressing victims by name claiming balances of $985.00 on account ending in 4547, allegedly originating with "Us Acute Care Solutions" and owned by "CF Medical LLC." Another report documents demands for $165.39 to resolve a $413.47 balance, with victims directed to call 855-403-0146 or visit the payment website ac-pay.online. The operation demonstrates sophisticated social engineering by using specific account numbers, credible-sounding medical debt origins, and personalized communications to pressure consumers into making payments on potentially non-existent debts.
The network shows clear coordination between ACCOUNT SERVICES INC. and Medical Services Inc., with both companies connected to multiple phone numbers in the campaign and the shared payment domain. Phone numbers 561-973-9204 and 861-662-1703 are both reported together with ACCOUNT SERVICES INC., while 346-383-5698 connects to Medical Services Inc. This infrastructure sharing suggests either a single operation using multiple business names or closely coordinated entities working together to maximize their debt collection fraud scheme.
To protect yourself from this type of debt collection scam, always verify any debt claim by requesting written validation from the collector and independently contacting the original creditor. Legitimate debt collectors must provide specific information about the debt and your rights under federal law. If contacted by any of these numbers or directed to ac-pay.online, do not provide personal information, do not click on links in text messages, and hang up immediately. Report fraudulent debt collection attempts to the FTC at reportfraud.ftc.gov and to the FCC for unwanted calls and texts. You can verify if a phone number or domain has been reported as suspicious by checking consumer protection websites and complaint databases before engaging with any debt collection communication.
This campaign represents a moderate threat level due to its organized infrastructure and targeted approach using legitimate-sounding medical debt claims. While no FTC complaints have been filed against the specific phone numbers yet, the 12 total CFPB complaints against the associated companies and documented community reports indicate active consumer harm. Recommended next steps include monitoring these entities for escalating complaint patterns, investigating the registration details of ac-pay.online, and alerting consumers about the specific tactics used by this AssetCare impersonation scheme.