First Source Advantage

Fell way behind on my bills after falling on hard times and had an account turned over to First Source Advantage. The agent I picked up treated me with respect, felt heard and showed such a high level of empathy that I've never experienced from a debt collection company. He literally almost bought me to tears by how kind he was. He was so patient throughout the whole phone call and worked with me in setting up a payment plan that would fit with my than-be budget. I was able to pay my entire balance about half a year later after finally finding a great-paying job but honestly don't think I'd be in this outcome/have made it out in one piece had it not been for my experience with First Source.

So my experience is very different from the other reviews on here, which initially scared me when I looked up the company. A lot of people are saying they are getting scam letters and phone calls, I believe if they are scams it is not actually First Source Advantage. If you get a letter, I would recommend going to your card or whichever account it is that was sent to the debt collector and verifying that they did so. In my case, it was true. On my Capital One account it said it was closed and it was sent to First Source Advantage and it had a 1-800 number to call. The number in the letter was a 1-866 number. I chose to call the number given by Capital One and (thanks to the stimulus check) I was actually able to settle my account right then and there.

I received an actual bill from these clowns for a First Premier Bank Card I never had. I just recently opened an account with First Premier, but according to the bill, due to the age of the debt, I "will not be sued," and it "will not be reported to any credit reporting agency." There has also never been any such debt on my credit report. The account number they provided on the bill is not my account number with First Premier. The bill says I owe a balance of $663.50, but if I pay $165.89 by 11/27/19, they will consider the account settled.

I am getting call right now from this company. I am not answering my phone. Thank you all for the advice. I even have a new cell # and somehow I keep getting calls like this even when my ID has a fraud alert on it, they can still keep calling...

I just received a collection letter from this company. I know people who work for the Feds. So I am acutely aware of scams and never trust anything at face value. Plus I have no debt to collect. DON’T TRUST WHATEVER COMES IN YOUR MAIL! INVESTIGATE IT!!! DON’T GIVE YOUR INFO TO ANYONE!!! Report everything nefarious to Consumer Affairs, local authorities or the Feds (FBI)!

I got a letter in the mail saying I owed a credit card that I don't have. This is a scam. They printed the address wrong so I'm surprised I even got the letter. I hope the FBI investigates them. They will not get my money.

I just received a letter addressed to my company listing an old, outdated, closed credit card as being deficient in the amount of $110.24 and has been turned over to their collection agency. I called Capital One and they have no record of said credit card number on file. I'm not going to even waste my time calling First Source Advantage, LLC. Letter in shredder.

This company recently started calling me concerning a debt that they said I owed, even though I have never heard of the company. They kept calling. Finally, they called one evening while my family and I were eating dinner. I asked them to hold on, put down the phone and came back with a whistle, blew it as long and as hard as I could into the receiver... They have not called back. LOL.

This morning I decided to answer the phone for a call from First Source. The caller asked to speak to my (deceased) husband. When I informed him of this, he was politely solicitous, but then asked for the date of death, which was more than six years ago. I gave him the month and year, but did not want to provide the exact date.

First Source Advantage called me and left a voicemail stating they were trying to collect a debt. I called back and the man began acting like a scam artist asking for my personal information starting with my birth date. He then taunted me by saying he already has my personal info and does not need me to provide it. I tried to explain that my identity had been stolen, that I had never in my life had a Target credit account, but that had been one of the accounts incurred by the thieves. I had to raise my voice over his arguments that I was lying to explain that I had filed a sheriff's report and sent affidavits, even hired an attorney to assist with the mess. He said the call would be terminated and they would be harassing me again in the future!