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Account Discovery Systems LLC


495 Commerce Dr
Amherst, NY 14228-2311

Contact Them:

(716) 504-6875


Many Americans like you are being contacted by collection agencies who are trying to get payments on defaulted accounts they have acquired or been assigned. Even though you may owe a debt, you still have rights.

You should dispute the debt in writing if you feel as if the dollar amount the collection agency is requesting is inaccurate, if you feel the debt is not owed or if you feel the debt is fraudulent. You can send a letter to the collection agency within thirty days of first being notified of the collection. You should send this letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. There are many things collection agencies cannot do or say when contacting you. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you repeatedly;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt;
  • threaten to have you arrested or imprisoned.

    If any of these things occur, your best option is to consult with a consumer protection attorney.


    1. Nichole M. on March 29, 2015 at 10:01 pm

      Tonight I was contacted by several family members and close friends stating that they received phone calls on their cell phones from Account Discovery Systems pertaining to a personal matter of mine. I find it appalling and unethical for Account Discovery Systems to gain access to unpublished cell phone numbers and call about someone else’s personal matter. I asked Account Discovery Systems how they were able to get these numbers, and they refused to give me an answer. Account Discovery Systems stated this was in reference to a credit card I hadn’t paid on in a year.

    2. Willie N. on May 13, 2015 at 9:23 pm

      Account Discovery Systems first tried contacting me at my parents residence. My dad contacted me and stated Account Discovery Systems had called and said I need to speak to them about a legal matter and if I did not contact them today they will have to sue. I called Account Discovery Systems and they stated the same thing, that it needed to be taken care of or they would have to sue me. The next day, Account Discovery Systems contacted my fiancée and I am unsure of why. Also on this day, Account Discovery Systems contacted my brother, whose number is also not on this loan. When Account Discovery Systems spoke to my brother they stated I needed to contact them by the end of the day or they will have to sue. I contacted Account Discovery Systems and told them to stop calling and harassing people that weren’t involved in this matter. After receiving some legal advice, it has been brought to my attention that this company has violated many aspects of the Federal Debt Collection Practices Act.

    3. Charlene on June 15, 2015 at 8:58 pm

      I was called by my daughter and my son stating I need to contact Nicholas Grazzik at Account Discovery System because my wages were about to be garnished. I called and spoke to him asking for something in writing as to what was owed. He stated he would mail it on Mon and two weeks later all I got was a payment reminder. He again began calling my children to discuss this matter with them, and they were told I didn’t answer my phone. My children had nothing to do with this, and I do not know where he got their information, but I do not even know that this my debt! He is a ruthless jerk and very rude! My business should not be discussed with any one but me, but you need to prove to me that it is my business before insulting me to my children!

    4. tina on July 8, 2015 at 10:44 am

      Got a call this morning on my cell phone. Explained to the gentleman that I was at work and didn’t have personal budget information with me and to call me this evening. He wanted to know what information I needed and why I didn’t have it. I told him to call me at 7pm and he said he couldn’t because he would be out of the office. If I owe this debt, I don’t have a problem paying it but to expect me to bring all my personal business to work is crazy.

    5. Luis on July 17, 2015 at 8:33 am

      Account Discovery Systems called my office and spoke with an employee who informed be that “Bruce Swain called for you by name. His number is 716-562-3768 and e-mail is”

      I called and said personal calls are not allowed at my place of employment, most companies don’t allow, have asked them for full validation of debt in writing and have asked them not to contact me again!

      Sending Account Discovery and good old Bruce a certified letter in reference to above at:

      495 Commerce Dr #2
      Amherst, NY 14228
      Phone:(866) 416-9177

      We’ll see what happens.

    6. Kristen on August 19, 2015 at 1:39 am

      Today, August 18, 2015, Bruce Swain left a message on my home answering machine. I did not receive it until the evening after I got home from work. However, when I checked my voicemail on my mobile phone during a break at work, an old friend of mine left a message saying that she had also been contacted today by Bruce Swain looking for me. First of all, I do not see this friend or keep in touch with her regularly and have not actually seen her in a couple years. For Mr. Swain to call and leave a message for my friend looking for me the same day he left a message on my home phone is unacceptable . Since he called and left a message on my home machine, that should have been sufficient. Also, he could have sent me a letter, but I have not received any notification either by phone or US Mail before today. These collection agencies and the people who work there have no consideration for people’s privacy.

    7. Will Riner on September 1, 2015 at 6:38 pm

      I have been getting calls 3-4 times a day at my work and cell phone concerning a debt they claim he owes. The debt is fraud and not even my debt to begin with. The last message I received included the fact that they had my sons social security number? I told the guy to stop calling any of the numbers associated with my last name and hung up. They are violating the law!!!!!

    8. Tracy on May 19, 2020 at 4:19 pm

      I continued to receive back to back calls from a number I didn’t recognize throughout the day. The gentlemen left his name “Bruce Swain” and informed me I had two days before he filed a civil action suit on me in court. Never mentioned the affiliated company he was with or anything debt collectors provide. This was straight out of the blue. There has to be some law that has been broken threatening someone like that.

    9. Bruce Suchs on August 1, 2020 at 5:05 pm

      I have been contacted by Bruce Swain too. I believe he is a scammer trying to steal money out of people.

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