The Law Office of Paul Mankin

Is the collection agency Action Collection Service, Inc. (ID) harassing you?

Action Collection Service, Inc. (ID) (aka Interstate Collections of Idaho)

Action Collection Service, Inc. (ACS) is an Idaho-based, multi-state collections agency specializing in collection, recovery, and monitoring of delinquent balances. They were established in 1961, claim to be fully insured, licensed and bonded in Idaho, Oregon, Washington, Montana, Alaska, and Hawaii, and now have approximately 60 employees under the management of Tom R. Merrel.

ACS is a member of the American Collectors Association and offers complete, comprehensive debt collection and recovery including the following menu of services: Professional Skip Tracing, Forwarding, Correspondence Response, Specialized Check Recovery, Progress Reporting, Dispute Arbitration and Resolution, Credit Influencing, Electronic Account Listing, Client Web Access.

Headquarters Business Address:

6148 N. Discovery Way, Suite 100

Boise, ID 83713

Headquarters Mailing Address:

PO Box 5425

Boise, ID 83705

(208) 529-8800 (main)

(208) 246-8719 (sales)

(208) 345-1436 (fax)

Idaho Falls Business Address:

370 N Holmes Avenue

Idaho Falls ID 83405

Idaho Falls Mailing Address:

PO Box 51180

Idaho Falls ID 83405

(208) 529-8800

Some additional phone numbers associated with Action’s lawful, as well as potential unlawful, collection efforts include (208) 345-1750 and (844) 842-1750.

Action Collection Service, Inc. has a D- rating from the Better Business Bureau (BBB) and is not BBB-accredited. Action’s BBB file was opened on September 1, 1993 and currently has a 2-star overall review rating and two official BBB complaints. Notably, Action also has 45 CFPB complaints. Idaho’s Action Collection Service, Inc. is listed on Yelp and has a 1-star rating average from two total consumer reviews.

Action Collection Service, Inc. has been in business long enough to earn itself a fair amount of legal disputes, including complaints that cover many of the prohibited activities covered under state and federal debt collection laws. One notable case was filed in Washington for collection actions taken in 2015. It was filed as a class action lawsuit against Action Collection Services, Inc. for failing to identify itself as a debt collector in all communications to many of the debtors it targeted during the preceding period of time.

Additional complaints made by consumers against Action include: rude phone calls; employees trying to collect a different amount over the phone when the debtor trying to pay their account than what is demanded in writing; unreasonable phone calls even after payment arrangements have been made; harassment over old debt that they cannot legally collect; yelling and calling debtors criminals and bad people; failing to respond to debtors attempting to reach Action to make the demanded payments or otherwise respond to Action’s communications.

Action Collection Service’s collection practices, as reported by consumers, may very well be unlawful under state and/or federal law. More information regarding complaints regarding Idaho-based collectors can be found at To learn more about how the federal government regulates debt collection and protects debtors and other individuals from collector harassment, see FTC Debt Collection pamphlet.

If you believe you have a claim for collector harassment or are a victim of another violation of state or federal debtor’s rights, you should speak with a consumer rights attorney or debt collector harassment lawyer immediately. Contact us today at 1-800-219-3577 to discuss your matter and see how we can help at no cost to you.