• Report: #1156763
Complaint Review:

Ripoff Report | Vantage Acceptance Verified TRUSTED Business | Ripoff Report Verified™ …businesses you can trust. Vantage Acceptance specializes in helping you eliminate your debt. Vantage Acceptance has an ongoing relationship with creditors and has been successfully negotiating on behalf of thousands of clients every day.

  • Submitted: Mon, June 23, 2014
  • Updated: Thu, March 02, 2017

  • Reported By: Steve F Richardson — Woodland Hills California
Vantage Acceptance Verified TRUSTED Business | Ripoff Report Verified™ …businesses you can trust. Vantage Acceptance specializes in helping you eliminate your debt. Vantage Acceptance has an ongoing relationship with creditors and has been successfully negotiating on behalf of thousands of clients every day.
6950 Canoga Ave Woodland Hils, California USA

Vantage Acceptance Verified TRUSTED Business REVIEW: Vantage Acceptance's managers and employees are dedicated, knowledgeable and educated in their practices. For every one person hired, there are approximately 15-20 who were not. Vantage Acceptance rus a tight ship. Which is a good thing.
*UPDATE: Vantage Acceptance pledges commitment to always improving operations by joining Ripoff Report's Corporate Advocacy Program, Vantage Acceptance recognized by Ripoff Report Verified™ as a safe business service.

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EDitor's UPDATE: Positive rating and recognition has been given to Vantage Acceptance for its full commitment to quality customer service.

Ripoff Report's discussions with Vantage Acceptance have uncovered an ongoing dedication by the company to total client satisfaction. This means that clients can expect that the company will work towards finding a mutually satisfactory resolution to any concerns. Vantage Acceptance listens carefully to client concerns and sees them as an opportunity to learn from past mistakes and become more efficient as a company in the services offered and the support for those services.

Vantage Acceptance's principals has informed us that their personal philosophy is that the clients success is the heart of the business. [continued below]....
..... They feel is it critical to listen to clients and respond properly. Putting clients first, is first. One of the things Ripoff Report learned in the course of its review is that typical customer feedback reads, "Vantage Acceptance effectively communicates all aspects of the service in a timely manner. We are very please with the responsiveness that the employees show us. They are serious about their efforts. They are serious about results.

The information provided in this report below is based on comments made by Vantage Acceptance during an onsite inspection held by a third party verification company with no biases towards Ron LeClair.

Vantage Acceptance is a company that specializes in helping their clients eliminate debt. Vantage Acceptance has an ongoing relationship with creditors that help their clients achieve the best rates while tackling debt.

Leads for Vantage Acceptance are primarily obtained through the direct mail. They submit anywhere from 180,000 to 300,000 physical marketing pamphlets that will direct the potential client to reach out where a sales associate can assist them. Ron LeClair went on to explain the sales and services process for an individual client, "the majority of the debt is revolving debt, Visa, and MasterCard, a small amount of medical debt…catalog debt…the Debt Specialist and the prospect work out a monthly draft amount that the prospect agrees upon. We draft their checking account and move that money to an escrow account which is a FDIC account that is 100% controlled by the prospect. As the funds build up, the debt is becoming delinquent and becomes negotiable. We average 39-cents on the dollar paid to the creditor based on payment plans as short as one month." Vantage Acceptance educates their clients to ensure that they receive the best service, "the more money they put in, the faster we can get them out of debt…the bank wants their minimum payment until they die. We mail documents to the prospect for signature or send via email for electronic signature. We make sure their debts are secured or unsecured…that they are workable - there is a small percentage of creditors we don’t work with. On average, they are out of debt in 32-36 months. Our average settlement and payment history tell us mathematically roughly how long it will take and how much the client will have to pay the creditor to settle the account. In the worst case, they will pay 100% of what they owe….In rare cases, they pay nothing…some pay 12-16 cents on the dollar and our average is around 39-cents on the dollar."


During the on-site interview, Mr. LeClair was asked to describe a situation where a client was not satisfied with the level of service they received. Mr. LeClair expressed that the complaints they primarily receive are not in regards to their services, but how the Bank deals with the client after they signed on, "the bank goes on a warpath because they are not receiving the minimum payment." The banks will hound the client and pressure them into paying the minimum payment and halting services with Vantage Acceptance. Because sensitive nature of these scenarios Vantage Acceptance educates their clients on the methods that Banks will use, and ensure them of a better payment program.

When asked to comment on complaints posted on Ripoff Report's website Mr. LeClair expressed that all comments made on the website were made by a disgruntled employee. These comments are false and meant to be hurtful to specific employees. In order to further assure future and current clients Vantage Acceptance is accredited by the Better Business Bureau and the American Fair Credit Council, "which is the watchdog of this whole industry and only has less than 20 members including us."

When asked what type of changes they have made to honor their commitment to making things right with the consumer per the request of Ripoff Report, Mr. LeClair stated, "we terminated someone….we hired a super-seasoned experienced woman who has come in the last year and a half and rebuilt everything. This is probably the best employee we have ever had."

Vantage Acceptance is proud to be a part of Ripoff Reports Corporate Advocacy Business Remediation and Customer Satisfaction Program, "It’s a lot. Our clients don’t walk in the door…maybe one client walks in the door a year…everything is on the phone, via the internet….they are a little nervous…if they go online and see negative stuff it’s a disaster...we are hoping this is a game changer. We have to have credibility since we don’t see our clients. Especially when employees, past employees, their relatives, competitors, etc…can file reports on there and there is nothing we can do about it….so I’m trusting this is going to be a major image enhancer."


" We are not the biggest and we are not the smallest company in our space. Please take time to review our agreement, learn some of the aspects that help you get out of debt and talk to the people that work on your behalf.

Vantage Acceptance's 's team have expressed that they enjoy what they do. They are only disappointed when there are collector calls whom lie and deceive in order to get a payment. They encourage the client to not fall for that trap. Each time a negotiated debt is signed off, an employee rings a small bell and inputs the information for all employees to see. It is quite a moment that happens all day! Vantage Acceptance takes employee satisfaction seriously as well. Employee feedback and surveys reveal comments such as this, "The company provides an amazing atmosphere to work. Suggestions and ideas are super welcome anytime. There HR department's door is always open. Opportunities for advancement are abundant for the right people. "

Ripoff Report was pleased to learn that Vantage Acceptance's past and current approach to business is focused on its pledge to total commitment towards client and employee satisfaction.


Vantage Acceptance recognizes that complaints posted on Ripoff Report (whether true or not) are issues that need to be addressed, not ignored. If handled correctly, complaints can be valuable learning opportunities. With the feedback generated by Ripoff Report's review, Vantage Acceptance has made organizational changes allowing its clients and employees a more streamlined approach to problem resolution and a commitment to a great client experience.

In summary, after our review, which included discussions with the officers of the company, Ripoff Report is convinced that Vantage Acceptance is committed to quality delivery of services resulting in total client satisfaction.

How does a business get Ripoff Report Verified™

The member business allows Ripoff report to email everyone from the past. Those who respond to Ripoff report with a valid complaint must be take care of.. they have made a commitment that if anyone contacts Ripoff Report in the future, they will make things right within 14 days. The member business must err on the side of their customers. Otherwise the member business is off the program.

Ripoff Report has determined that Vantage Acceptance is Ripoff Report Verified™ standards which include a commitment to make a good faith effort to resolve any consumer complaints. Members of the Corporate Advocacy Business Remediation and Customer Satisfaction program do pay a fee for our on-site review, 24-hour monitoring and for support with customers to resolve any disagreements.

Ripoff Report sends a 3rd party service to do an onsite inspection of the new member business. The on-site inspection / review does not mean that the products or services offered by the business have been evaluated or endorsed by Ripoff Report, and has not made a determination as to the business' product quality or competency in performing services. We can verify, that Ripoff Report went to the business, verified their business or “work from home business”, there for, if a customer in the future does not get treated correctly, Ripoff Report can get the problem resolved. If not, and the customers is right, the member business will be taken off the Corporate Advocacy Program. Remember, Ripoff Report emailed every customer from the past that filed a complaint to make sure the member business made things right with customers from the past. Again, to err on the side of their customer, those from the past and those in the future.

Read more about why consumers should feel confident when doing business with a member of Ripoff Report's Corporate Advocacy Business Remediation & Customer Satisfaction Program. Yes, it’s a long name for a program that does a lot for both consumers and businesses alike.

Read about Ripoff Report Corporate Advocacy Business Remediation & Customer Satisfaction Program, a program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business. This program works.

As a matter of policy, when a business becomes a member of the Corporate Advocacy Program they agree to allow Ripoff Report to contact every client who filed a complaint so they can make things right with them. In order to confirm that the complaints were resolved, Ripoff Report is copied on all responses so we can insure that the member business did right by their customer.



Vantage Acceptance Woodland Hils California


Ripoff Report would like to let readers know that Ripoff Report emailed this customer so the member business could make things right with them. When a business joins the Corporate Advocacy Program, Ripoff Report emails everyone from the past so the member business can make things right with them. Of course, everything within reason. In order to confirm that the complaints were resolved, Ripoff Report is copied on all responses so we can insure that the member business did right by their customer. The author of the Ripoff Report below never responded to our offer to help them.


written by a former employee who informed us his daughter was in the hospital and would be out for a week. the hospital had no record. we were informed he took another job. we called. he worked there. this is made up. employee name was steve. made up last name. he did not like the person kim he refers too. in reading his complaint, there is no complaint.



My daughter called in to these people on Friday and talked to a girl named Kim. She asked what the card was about and was told they help people with credit card debt. She was told they were a member of the AFCC and had an "A" rating with the BBB. She listened for a few minutes and was appalled with the way the girl kept calling her hon, and after a few minutes she hung up. She felt she was talking to Flo at a diner rather than a debt specialist.

She looked them up on the BBB and found they had no rating with the BBB at all. She is disabled and is on SSDI with limited income and wanted help getting out of debt, and was very suprised that a company would over-inflate their credentials.

I called the AFCC this morning about this and was suprised they did not care, but they may report this to the president of the AFCC.

If they lie to you about their BBB rating, what else are they lying about? Here is their link to the BBB:


I advised my daughter to not contact them again.

Steve R


This report was posted on Ripoff Report on 06/23/2014 08:09 AM and is a permanent record located here: http://www.ripoffreport.com/reports/vantage-acceptance-verified-trusted-business-ripoff-report-verified-businesses-you-can-trust-vantage-acceptance-specializes-in-helping-you-eliminate-your-debt-vantage-acceptance-has-an-ongoing-relationship-with-creditors-and-has-been-successfully-negotiating-on-behalf-of-thousands-of-clients-every-day/woodland-hils-california-91367/vantage-acceptance-woodland-hils-california-1156763. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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