| 09/28/2023 |
Yes |
- Debt collection
- Other debt
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- Threatened to contact someone or share information improperly
- Contacted your employer
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Web |
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I work in XXXX, IL and got a few parking violations that I thought were inaccurate due to parking in our community which impacts me just trying to work in that community. Either way, I got a call from A/R Concepts ( a collection agency ) @ XXXX on XX/XX/2023 from a gentleman. He was very foul and threatening. He called me and everyone in my community names and entitled after I told him to go ahead and put this on my credit. I am in the process of attempting to settle with XXXX. This gentleman then started to use profanity and after I reacted, he continued the conversation turning it personal. He threatened to call my employer and even started to look me up as he stated " let me look at XXXX to see where you work so I can anonymously call them and tell them who you really are ''. I feel threated and my rights are violated. I want that call to be heard ASAP as he said this call was being monitored and recorded. He can not call my work or try to get me fired after I told him to simply put it on my credit. This behavior and his attempt to make me upset was unprofessional. He obviously made me very upset and now I am concerned what his intentions are.
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| 09/15/2021 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
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I receive a call from a representative from ar concepts in relation to a medical bill from 2 years ago that I was unaware of as I only went to the practice once. I asked for validation of the debt to be sent to me in writing, I was refused. And told to contact the original debtor. The agent was extremely rude and pressuring. I asked to not be contacted by telephone for this matter and asked verbal to cease and desist all calls and to only contact me by mail. I disconnected the call. And was immediately called back by the same representative and told that he can continue to call me that he would be reporting to my credit threatening damage to my credit report, as well as threathening to file law suit against me. After calling the original debtor I was told they can not speak to me in the matter as at concepts now owns the debt but the debt is resulting from incorrect billing in the first place of which I did not receive notice of as they had the wrong address.
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| 04/11/2015 |
Yes |
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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Never got a formal letter of debt. No messages left for what debt it was for. Finally I spoke with someone at debt collectors. They finally sent letter for debt. I sent payment in form of XXXX XXXX for total due.Never processed payment and placed on credit report as a collection. ( Please note I never answer my phone and/or return calls unless I know who is calling, too many scams ) If they would have sent a formal letter the XXXX time this payment would have been made. As when they did, when I finally spoke with them. I made payment right away within couple days of receiving the XXXX and ONLY Letter they sent.
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| 04/11/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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The dentist billed me for an initial visit {$270.00} which I paid in full at the time of services rendered, then billed my insurance company - the ins. co. pd the dentist for the same date/procedure {$100.00}. The dentist did not refund the ins. pmt to me. Later I had additional work done by the dentist totalling {$1600.00} ( {$520.00} of which the dentist had agreed to write off - yet they billed my ins co for that work ). I paid {$800.00} & my ins co pd the original {$100.00} ( not refunded to me from the original visit ) plus an additional {$420.00}. By all accounts this bill is paid in full.
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| 09/12/2017 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Hi, last year I had a XXXX performed. My insurance covered most of costs and I paid all that was owed.
Today, I received a negative credit alert on my transition and XXXX report from a company called AR concepts in XXXX, IL ( debt collection ) on behalf of XXXX XXXX XXXX SC for {$110.00}. I called AR concepts and gave them my info. Apparently, XXXX XXXX XXXX had the wrong address listed on my account XXXX XXXX XXXX XXXX and XXXX ) and the wrong phone number. They had my mom 's address listed where we lived over XXXX years ago. I NEVER received a bill or a phone call.
Is this legal?
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| 03/09/2020 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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A/R Concepts, Inc. has listed an amount owed to XXXX XXXX XXXX XXXX ( original creditor ) in the amount of {$160.00}. To date, I have been unaware of this outstanding debt nor that it was listed under collections on my credit report. A/R Concepts never provided me with a formal letter notifying me of my right to dispute such debt. This debt is not valid and I request it be immediately removed from my credit report. Thank you.
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| 03/11/2017 |
Yes |
- Debt collection
- I do not know
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I have received past notices in regards to this debt from A R Concepts Inc. I sent a dispute notice in regards to validation but have not received any response.
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| 03/03/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
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Web |
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This was settled in bankruptcy however they have n't removed it from my credit report and it still shows open!
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| 03/30/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
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Web |
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They still show an open account on my credit when it was closed and discharged in bankruptcy
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| 01/26/2024 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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| 10/18/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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| 05/19/2015 |
Yes |
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- Communication tactics
- Used obscene/profane/abusive language
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Web |
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| 04/21/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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| 02/26/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Phone |
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| 02/25/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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| 01/15/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Improper contact or sharing of info
- Contacted me after I asked not to
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Web |
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| 12/06/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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