Who Called From 319-244-7040?
Short answer: 319-244-7040 is a number used by Automated Collection Services, Inc. (Automated Collection Services, Inc.), a third-party collection agency based in Goodlettsville, TN — nyc department of consumer and worker protection (dcwp) debt-collection license 2136510-dcwp on file, address of record in goodlettsville, tn. They are almost certainly trying to collect a debt, most often higher education debt. You are not required to answer or say anything — and you have the right to demand written proof before you pay a cent.
Whose Number Is 319-244-7040?
The number 319-244-7040 is used by Automated Collection Services, Inc. (nyc department of consumer and worker protection (dcwp) debt-collection license 2136510-dcwp on file, address of record in goodlettsville, tn), a third-party collection agency in Goodlettsville, TN. For the full company profile — ownership, history, and known aliases — see our complete Automated Collection Services, Inc. guide. This page focuses on the calls coming from 319-244-7040 specifically.
About this specific number
- 📞 Number: 319-244-7040 (area code 319, ending in 7040)
- 📍 Line type: Direct-dial — resolves to the Cedar Falls / Waterloo area of Iowa.
- 🏢 Operator: Automated Collection Services, Inc., a third-party collection agency in Goodlettsville, TN.
- 🔢 Related lines: Automated Collection Services, Inc. is documented using 2 numbers in our directory, so calls may also come from other digits.
319-244-7040 is a direct-dial number tied to the Cedar Falls / Waterloo area of Iowa, which is why the call may have appeared "local" on your caller ID even though Automated Collection Services, Inc. operates out of Goodlettsville, TN.
319-244-7040 may rotate with other Automated Collection Services, Inc. lines during a single collection campaign, so blocking one number rarely stops the calls entirely.
On your caller ID, in voicemails, or in letters, this company can also appear as: Automated Collection Services, Inc., ACSI.
Why Is Automated Collection Services, Inc. Calling Me From 319-244-7040?
In our directory, 319-244-7040 is tracked as a nyc department of consumer and worker protection (dcwp) debt-collection license 2136510-dcwp on file, address of record in goodlettsville, tn for Automated Collection Services, Inc., which typically collects higher education debt, medical/healthcare debt, government receivables. A call from 319-244-7040 usually happens because:
- ✅ An original account (a higher education debt, for example) went unpaid and was charged off by the creditor.
- ✅ The account was placed with Automated Collection Services, Inc. to collect on behalf of the original creditor.
- ✅ Automated Collection Services, Inc. is now dialing you from 319-244-7040 and possibly other lines to reach a resolution.
Calls from 319-244-7040 often come in waves over several weeks. A number of consumers say 319-244-7040 left a vague voicemail asking them to "call back regarding an important business matter" without naming Automated Collection Services, Inc.. Under the FDCPA, a collector must meaningfully disclose who it is. Text messages and emails sometimes accompany calls from 319-244-7040. Every channel Automated Collection Services, Inc. uses is bound by the same FDCPA rules, so keep copies of all of them as potential evidence. In short, a ring from 319-244-7040 is a prompt to check your rights, not to pay.
Important: a phone call — even from a real number like 319-244-7040 — does not prove you owe the debt, that the amount is correct, or that Automated Collection Services, Inc. can legally collect it. That is exactly why your validation rights matter.
What NOT to Say If You Answer 319-244-7040
Anything you say to Automated Collection Services, Inc. can be used to collect. Protect yourself — avoid these common mistakes on the call.
Don't admit the debt is yours
When 319-244-7040 calls, saying "yes, that's mine" or apologizing can be treated as acknowledging the debt — which may reset the statute of limitations. Neither confirm nor deny until you've seen written validation from Automated Collection Services, Inc..
Don't agree to a payment on the spot
A single payment to Automated Collection Services, Inc. — even a small "good-faith" one — can restart the clock on an old debt and make it collectable again. Never authorize a payment over a call from 319-244-7040.
Don't give bank or card details
Do not read out your bank account, debit, or credit card number to anyone calling from 319-244-7040. Any legitimate Automated Collection Services, Inc. resolution can be handled in writing after validation.
Don't confirm personal information
Avoid confirming your SSN, date of birth, employer, or address to the 319-244-7040 caller. If it truly is your Automated Collection Services, Inc. account, they should already have what they need and must prove it.
What To Do If 319-244-7040 Keeps Calling
Here are concrete next steps for this specific Automated Collection Services, Inc. line. Work through them in order — each one strengthens your position before you ever discuss the debt.
- 1
Send Automated Collection Services, Inc. a written debt-validation letter within 30 days of the first call from 319-244-7040 and keep the certified-mail receipt.
- 2
If 319-244-7040 calls before 8am or after 9pm your local time, note the exact timestamp; that window is off-limits under the FDCPA.
- 3
Block 319-244-7040 on your device, but remember that Automated Collection Services, Inc. may simply switch to another line — so pair blocking with a written request.
Your Rights When Automated Collection Services, Inc. Calls From 319-244-7040
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) give you real leverage. Here is the debt-validation playbook we use at Crowned Credit.
1. Demand Debt Validation (FDCPA §809)
Within 30 days of first contact, send Automated Collection Services, Inc. a written debt-validation letter. They must prove the debt is yours, the amount is right, and they have the legal authority to collect — or stop collecting.
2. Dispute With the Bureaus (FCRA §611)
If Automated Collection Services, Inc. reported a tradeline, dispute it with Equifax, Experian, and TransUnion. They have 30 days to investigate; unverifiable items must be corrected or deleted.
3. Log the Calls
Write down every call from 319-244-7040: date, time, and what was said. Repeated calls, calls at odd hours, or threats can be FDCPA violations — and leverage for you.
4. Send a Cease-and-Desist
You can demand in writing that Automated Collection Services, Inc. stop calling you entirely. The calls must stop, even though they may still report or pursue other legal steps.
5. Check the Statute of Limitations
Every state limits how long a collector can sue on a debt. If the debt is time-barred, Automated Collection Services, Inc. generally cannot win a lawsuit — and a payment could dangerously restart that clock.
6. Know the Anti-Harassment Rules
The FDCPA bars Automated Collection Services, Inc. from calling before 8am or after 9pm, threatening you, or lying about the debt. Each violation may entitle you to statutory damages.
How Crowned Credit Helps With Calls From 319-244-7040
We investigate the specific Automated Collection Services, Inc. account behind the calls, assert every applicable right, and work it with all three bureaus and the collector directly — no cookie-cutter form letters.
Review & Validate
We pull all three bureau reports, find every error tied to the Automated Collection Services, Inc. account, and demand full debt validation.
Dispute & Escalate
Hand-packed disputes go to the bureaus and to Automated Collection Services, Inc.. When they fail to investigate properly, we escalate to the CFPB and, where warranted, attorneys.
Track & Build
We monitor the outcome and coach you on rebuilding once inaccurate items are addressed. Results vary by profile.
Or call us directly at 336-310-0090. Results vary based on your individual credit profile.
319-244-7040 — Frequently Asked Questions
Who is calling me from 319-244-7040?
319-244-7040 is a direct-dial line associated with Automated Collection Services, Inc. (also seen as Automated Collection Services, Inc.), a third-party collection agency headquartered in Goodlettsville, TN and operating since 1988. The number resolves to the Cedar Falls / Waterloo area of Iowa. If you received a call from 319-244-7040 — often showing the last four digits 7040 on your screen — it is very likely Automated Collection Services, Inc. attempting to reach you about a debt they say you owe, most often higher education debt, medical/healthcare debt, government receivables.
Is 319-244-7040 a scam number?
Automated Collection Services, Inc. is a real, registered company, and 319-244-7040 is a documented line tied to it. That said, scammers do "spoof" the caller ID of well-known collectors like Automated Collection Services, Inc., so the number showing on your screen is not proof of anything. Never give payment or personal information based on a phone call alone. Ask for the caller's name, company, and a written validation notice before you discuss any debt.
Do I have to answer or call back 319-244-7040?
You are not legally required to answer 319-244-7040 or call Automated Collection Services, Inc. back. In fact, it is usually smarter to say nothing on the phone and instead demand everything in writing. Under the FDCPA, once you send a written debt-validation request, Automated Collection Services, Inc. must pause collection until it mails you proof of the debt.
Why is Automated Collection Services, Inc. calling me about higher education debt?
A call from 319-244-7040 usually means an original higher education debt went unpaid and was placed with Automated Collection Services, Inc., which dials this line to collect on the original creditor's behalf. The account may have aged or changed hands more than once, so demand the full paper trail before you accept the balance as accurate.
Can I stop Automated Collection Services, Inc. from calling 319-244-7040?
Yes. The FDCPA lets you send a written cease-and-desist demand telling Automated Collection Services, Inc. to stop contacting you by phone. They can still report to the bureaus or pursue other legal steps, but the calls from 319-244-7040 and any related lines must stop. This is a useful way to end harassment while you build your dispute.
Should I pay the debt Automated Collection Services, Inc. is calling about?
Do not pay anything based on a call from 319-244-7040 until the debt is validated. Once you confirm the debt is yours, accurate, and still within your state's statute of limitations, you can consider a written pay-for-delete arrangement. Paying an unverified or time-barred debt can restart the clock and lock in a negative mark. Get a free assessment first.
More About Automated Collection Services, Inc.
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