A.R.M. Solutions, Inc. CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
03/30/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • GA
  • 30039
Web
I XXXX XXXX advised A.R. M. Solutions INC the alleged debt is id theft - as not mine, no auth to have my info, no signed contract w/sign, I have a right to privacy and didnt give them permission to have my info, acting as debt collector isnt an atty, no legal contract showing they have right to collect. Attached - see below I sent a debt validation packet XX/XX/2022, certifed mail with a tracking number and required a physcial signature to confirm they received it. The name name on the USPS tracking # XXXX / article number XXXX was signed by XXXX ( first name ) and date of delivery XXXX Attached - see below the XXXX XXXX that was mailed to A.R.M. Solutions Inc This company has refused to respond to my request Debt collection -- >attempt to collect debt not owed. I discovered Name Of Company Inc, XXXX XXXX XXXX XXXX XXXX was reporting a Original Lender account ( XXXX ). I have never had a contract with A.R.M. Solutions, INC and I have never had a contract with XXXX XXXX XXXX, XXXX XXXX. So, I am requesting A.R.M. Solutions, INC to CEASE AND DESIST all forms of communication immediately. According to 15 U.S.C. 1692 a ( 2 ) says the term " communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. In other words, furnishing my data is a form of communication. In accordance with the Federal Fair Debt Collection Practices Act, 15 U.S.C. 1692 c, you are herby notifies to CEASE AND DESIST any and all further of communication. The letter that the debt collector ( A.R.M. Solution, INC is mailing me every 2 weeks since XXXX of XXXX instructs me to review my options, and then encouraged the man to Make a full payment or Set up a payment plan,. Nowhere in the letter did the mention the option to dispute this debt, nor did they provide the required validation notice informing him of how to properly submit a dispute. 1692g does not mention statements in validation Failing to provide the validation notice prevents the consumer from disputing the debt, and triggering his right to require that the debt collector cease collection activities. I seek to redress the collection practices that violate the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq. ( the FDCPA ) A.R. M. Solutions , INC. ( A.R.M. ) is a foreign business corporation with its principal offices located at XXXX XXXX XXXX XXXX, CA XXXX A.R.M. Solutions, INC is engaged in the business of a collection agency, using the mails and telephone to collect consumer debts originally owed to others. Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirtyday period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 34. The disclosures required by 15 U.S.C. 1692g ( a ) ( 3 ) - ( 5 ) are colloquially referred to as the debt validation notice. If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. Failing to provide the validation notice prevents the consumer from disputing the debt, and triggering his right to require that the debt collector cease collection activities They mail me collection letters every 2 weeks atleast and none of them reference ( Nicole Borden ) rights to dispute the debt The representation that ( Nicole Borden ) did not have the option to dispute the debt as of the date of Exhibit B is a material false statement. I am invoicing for 1 FDCPA ( false misrepresentation ) and 4 violation of TCPA ( {$500.00} each ) for total of {$3000.00}. I never gave A.R.M Soltions, INC permission to call and or mail me letters every 2 weeks? Did they follow the guidelines under FDCPA in regards to validating the debt? IGNORANCE TO THE LAW IS NOT A REASON TO BREAK IT! NOW, A.R. M. Solutions INC has violated more so as my token of appreciation, Ill be sending a brand new invoice and XXXX.
09/06/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 27516
Web Older American
This is a complaint about the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a newspaper doing business at XXXX XXXX XXXX, XXXX XXXX, XXXX, North Carolina XXXX. The XXXX XXXX XXXX incorrectly and, I believe, unethically requested that a debt collection service send us a bill for {$58.00} claimed to be owed as of XXXX XX/XX/XXXX ( see enclosed form sent to us by A.R.M. Solutions, Inc. ). The account in question was our XXXX XXXX XXXXXXXX account ( # XXXX ) and was in the name of my wife, XXXX XXXX XXXX. Due to her deteriorating vision, I must write this for her. We were subscribers to the XXXX XXXX XXXX for over 50 years it used to be a good newspaper. However, our last 3 years as subscribers were a nightmare in terms of receiving what we had paid for : 1. We contracted for daily ( there is no Saturday paper ) home delivery of the XXXX XXXX XXXX newspaper. Beginning about 3 years ago, delivery was skipped about 1 day per week. Gradually, missing deliveries occurred more-and-more often. By XX/XX/XXXX, we were receiving a paper about once every other week in other words, 11 of 12 papers were not being delivered. 2. Because of this delivery record, we cancelled our subscription last XXXX ( XXXX ). We received from the XXXX XXXX XXXX an email acknowledgment of our cancellation, effective XXXX XX/XX/XXXX ( see enclosure for copy of this acknowledgment ). At no time did we renew our subscription. 3. Unfortunately, I neglected to carefully monitor our credit card charges after canceling our XXXX XXXX XXXX subscription. Despite our cancellation, the XXXX XXXX XXXX continued to charge our credit card account about $ XXXX ( auto payment ) for delivery of a print newspaper which we did not receive. 4. In early XXXX, the XXXX XXXX XXXX notified us that 1 ) a print edition would no longer be available to us as of early XXXX ( one had not been delivered to us for over 4 months! ), and 2 ) at a reduced rate ( $ XXXX, I believe ) we now had access to the e-edition of the newspaper. This is when I finally realized that the XXXX XXXX XXXX had continued to charge us even though it was not providing us with a print newspaper as contracted. ( I now regret not taking action to recover the money that was fraudulently obtained from us during the years that we received fewer-and-fewer newspapers. ) 5. In the early months of XXXX, I did access the e-edition of the XXXX & XXXX. However, in XXXX, XXXX and XXXX there were many times when I was unable to access the online e-edition because the XXXX XXXX XXXXXXXX website would not allow me access, including one extended period when I was traveling. I sent messages to XXXX XXXX XXXX Customer Service asking for help. Most of my messages were not answered ; the few that were answered did not resolve the problems I frequently encountered when trying to access the XXXX XXXX XXXX e-edition. ( In contrast, Ive never had problems with access to the online e-edition of XXXX XXXX XXXX XXXX. ) 6. In XX/XX/XXXX, we contacted the company that handles our XXXX XXXX credit card the card that the XXXX XXXX XXXX continued to charge after our subscription was cancelled effective XXXX XX/XX/XXXX. We told them that the XXXX XXXX XXXX had continued to charge our account for 6 months after this cancellation, and asked them to recover as much of the subscription charges as possible. 7. On XXXX XX/XX/XXXX, our XXXX XXXX account was credited with 3 payments of {$39.00} each that had been made to the XXXX & XXXX this would have been for 3 months access to the XXXX XXXX XXXX e-edition. Presumably, it is these refunds that triggered the XXXX XXXX XXXX assertion that we owe them {$58.00}. ( Note : The letter from the collection agency was the first time we knew that the XXXX XXXX XXXX claims that we owe them money. ) 8. The XXXX XXXX XXXX claim that we owe them {$58.00} is incorrect. By their acknowledgment, our account was cancelled XXXX XX/XX/XXXX. Perhaps they are trying to claim money is owed them because I accessed their online e-edition in XXXX, XXXX, and XX/XX/XXXX? However, because of problems with their website, my access was limited, and the XXXX XXXX XXXX was unable or unwilling to provide help that would have enabled me to have reliable access. They should not be paid for this. And, we had no subscription after XX/XX/XXXX.
01/04/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 90025
Web
I am a XXXX in XXXX XXXX. In approx XXXX, I moved my office in the same building to a different suite . At the time, I was working for XXXX who had a contract with XXXX who provided the XXXX pickup at that location. When I started my own XXXX and moved to an adjacent suite , XXXX started to show up without ever talking to me XXXX to pick up XXXX or XXXX XXXX every 2-3 months without ever discussing or negotiating a contract with me. I was being charged a fee that was in excess of XXXX although service was not monthly. As this was my first job as a XXXX, I worked 12-16 hour days and never paid attention to the the fraudulent charges and the company told me when I questioned them in XX/XX/XXXX-XX/XX/XXXX, that they had no contract that they could produce but that I must have signed one and their contracts auto-renew for 5 years. I contacted an attorney who told me this was fraud but when I confronted the representative from the company, he said he would report us to OSHA if we created problems. Although I do not have XXXX, they said they would say my XXXX is in violation of regulations and shut me down if I did n't use their company. I do not XXXX and this was extortion. My attorney was XXXX who had just been XXXX and told me to contact another company and got a bid for under XXXX monthly fee for pick up each month. When I confronted XXXX about their extortion and fees which were basically robbery, they once again said they could not find an original contract because I was never given one, and if I did n't pay they would sue me and report me to regulatory agencies. Finally, XX/XX/XXXX-XX/XX/XXXX, as my expenses were audited, it became clear that I had be essentially robbed by this company and threatened if I tried take legal action that they would, destroy my credit, take legal action, and make fraudulent reports about the scope of XXXX. They never contacted me and avoided my calls and only talked to my office staff XX/XX/XXXX who was not authorized to make any decisions. XX/XX/XXXX, my office staff was emailed a contract that said they would charge $ XXXX/month to come anywhere between 3-12 times that year. I was told this and said I was filling a lawsuit and the next day on XXXX/XXXX/XXXX a new contract was emailed that now had a price of approx. $ XXXX/month and said had to be signed by both parties by XXXX/XXXX/XXXX or it was expired. Also the number of stops per year had to be circled. This company uses XXXX XXXX and has many reports on the Internet of doctors having contracts forged by the company. It was sent to my common email address and signed not by me as there is no record when I tried to set a new password and was from a different IP address. Also there was no collection cycle circled which was required for the contract to be active. Despite this, It was emailed back to an unknown company representative and it was noted that if not signed by XXXX by XXXX/XXXX/XXXX, the contract was voided, cancelled, and not enforceable. The company signed the contract on XXXX/XXXX/XXXX at XXXX and emailed it back with no pick up frequency noted. It could not even be signed if this was n't marked by me and since I never got a real price, but only threats and extorted the contract was never done or finalized. Now one year later, they have said that I owe them $ XXXX+ dollars when they really owe me. They came 2 times over the year although the contract was not valid. They said if I paid half and signed a new 5 year contract that would be acceptable or they would sue me, send me to collections for money never owed or agreed upon, and report me to regulatory agencies. I have been getting calls daily from A.R.M Solutions Inc their collection agency
04/08/2023 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • GA
  • 30039
Web
XXXX XXXX continues to receive threatening Debt Collections Letter -- >attempt to collect debt not owed. Reporting an Original Lender as XXXX XXXX. Client acct # XXXX /Agency acct # XXXX ARM Solutions Inc or ARMS is a third-party collection agency based in Southern California. ARMS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act ( FDCPA ), including attempting to collect debts not owed and using false or misleading information to collect a debt. ARM solutions has been accused of violating consumers rights and illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer. ARM has also been a party to a Federal Court case many of times. According to the XXXX, ARM Solutions , Inc. is a legitimate collection agency founded in XXXX and incorporated in XXXX. The XXXX established ARMSs profile page in XXXX. ARMS is listed as a collection agency. The Consumer Financial Protection Board ( CFPB ) is a government agency charged with protecting consumers from unfair, deceptive or abusive debt collection practices. The CFPB has received 119 complaints against A.R.M. for unfair and abusive debt collection practices. Consumers complain that A.R.M. engages in the following practices : Attempting to collect a debt that is not owed by the consumer ; Harassing me by making repeated and frequent calls; Threatening to harm credit if payment is not made ; and Refusing to validate or provide proof of a debt. You are being threatened with negative credit reporting Failing to notify you of your right to dispute the debt Debt collector violated cease and desist. In one example of A.R.M. 's unsavory debt collection practices, I received threats to either make a payment or have their credit score lowered. I keep getting letters 2 times a week from A.R.M. stating that they owed a debt XXXX XXXX ; however, the I never signed up for XXXX XXXX services or received any pest control services. As the consumer I requested that A.R.M. provide proof of the debt. A.R.M. not only ignored the request for validation of the debt via certified mail with tracking #, but they continue to send letters threatening to report the debt to the credit bureaus. A.R.M. engaged in two separate violations of the Fair Debt Collection Practices Act ( FDCPA ) and the XXXX Fair Debt Collection Practices Act ( XXXX ). The FDCPA expressly allows consumers to request a creditor or debt collector to send proof of the debt. Within five ( 5 ) days after its initial communication, the creditor or debt collector must send a notice, referred to as the G-Notice . A consumer then has thirty ( 30 ) days to dispute a debt and to request proof of the debt. By refusing to provide proof of the debt, A.R.M. violated the law. Additionally, A.R.M. violated the law by threatening to report the consumer 's debt to the credit bureaus. The Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ) prohibit debt collectors and creditors from threatening to report a debt to a credit bureau when the debt collector has no intention to do so. This is considered a false and misleading representation that is designed to intimidate or force the consumer to make a payment
04/01/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 601XX
Web
1. My name is XXXX XXXX, and I have asked my wife to cancel this account with XXXX on my behalf on due to my work schedule. However, XXXX refused to do so. XXXXs excuse has been that my wifes name is not on the bill and yet my wife does not have this issue with many of our vendors including doctors offices. 2. We have moved out of this address back on at XX/XX/XXXX, and we had agreed to pay to pay to the end of the month although we have not technically lived there, and we had asked the landlord on many occasions to call or have the new tenants to change the bill to their new name. 3. Again I want to make it clear that my wife tried many times on my behalf to cancel the bill and XXXX thru their ignorance and stubbornness refused to cancel the service. Although she had provided them with the landlords and the property owners email, address refused to either contact to verify the information, call him and just let the bill escalate. Email Contact on XX/XX/XXXX ( no more phone Calls ) XXXX completely disregarded the email with all the contact information and informed us again about all the late fees at this point we have no choice but forward this to https : //portal.consumerfinance.gov/consumer For example, XXXX XXXX XXXX completely ignored my wifes email on XX/XX/XXXX to try and resolve the issue where she has given you the current contact information this leaves me no choice but to contact the government Consumer Finance Protection Bureau Watch Dog and have them sort this out! Honestly, I do not understand you are only garbage pick up company she is my wife she handles all our house bills! Whether I call, or she calls it is the same. I know that she has called back in XX/XX/XXXXand made sure that the invoice has been paid to XX/XX/XXXX because my wife was told that all invoices have to pay until the end of the month and yet they will not cancel the service although I asked my wife to do so for me. this is what has transpired on XX/XX/XXXX where I actually have a written record that XXXX completely disregards a written contact instructions and ads fees fees again XXXX XXXX XXXX XX/XX/XXXX to me, XXXX This balance 90 days past due it is the balance that was owed for the month of XX/XX/XXXX of {$29.00} plus now {$15.00} in late fees which now makes the total balance {$44.00} owed by a XXXX XXXX. From : XXXX XXXX [ mailto : XXXX ] Sent : Monday, XX/XX/XXXX XXXX XXXX To : XXXX ; XXXX XXXX Subject : acct.XXXX invoice XXXX XXXX We paid our Part XXXX : please have your tenants pay bill or this may be yours to pay we paid our part please note that we have moved out XX/XX/XXXX we are no longer live at the address. All fees and amounts that were due by XXXX and XXXX XXXX up to XX/XX/XXXX were paid in Full Please contact the current landlord for this bill his name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX you should send your current bill new tenants and find out from landlord exact move-in date contact for landlord : XXXX I do not have fax number for invoice The phone number for Local office XXXX I was on hold for 30 min can not hold any longer
11/30/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • VA
  • 23320
Web
The debt collector identified as " A.R.M. Solutions Inc., located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX , violated multiple provisions of the Fair Debt Collection Practices Act, ( FDCPA ), 15 U.SC. Sections 1692 - 1692p. These violations are set forth below. First, the debt collector failed to disclose in two ( initial ) XX/XX/2023 text messages that " ... the debt collector is collecting a debt and that any information obtained will be used for that purpose ... : See the attached screen shot of both text messages I received on XX/XX/2023. See Section 1692e ( 11 ) of the FDCPA. Second, the debt collector failed to disclose it true name and/or full name in both text messages identified above. See Section 1692e ( 14 ) of the FDCPA. For example, the debt collector identified itself as " A.R.M. Debt Collector '' in the first text message, while the second text meesage identified the firm 's as " ARMS-Debt Collector. '' See the above-two text messages attached. Also, the debt collector was sanctioned by the California Department of Financial Protection and Innovation for this practice, which violated two California statutes ( e.g. Rosenthal Fair Debt Collection Practices Act and the Debt Collection Licensing Act, which incorporated all provisions of the FDCPA ). I filed a complaint against this debt collector to this state agency, which resulted in the debt collector being fined and subject to a Consent Order ( containing a Cease and Refrain Order within the Order ). See this state agency 's attached XX/XX/2023 Consent Order for this penalty regarding this unlawful XX/XX/2023 practice, which is signed by the agency 's deputy commissioner and the president/ceo of the debt collector. Third, the debt collector violated Section 1692g of FDCPA when it failed to provide me with the XX/XX/2023 letter ( describing my rights ) within five days after receiving the XX/XX/2023 text message. I received this XX/XX/2023 letter on XX/XX/2023, eight days after receiving the XX/XX/2023 text messages. See the debt collector 's XX/XX/2023 response letter regarding their inadequate reasons for violating the above Section of the FDCPA. Also, see the above state agency 's Consent Order, including the agency 's Proof of Service document, regarding the firm admitting that they mailed me the XX/XX/2023 letter on XX/XX/2023. Finally, the debt collector violated Sections 1692a ( 3 ), ( 4 ), ( 5 ), and ( b ) ; and 1692e ( 10 ) of the FDCPA, when the firm falsely stated in its XX/XX/2023 letter that I had more than thirty days ( e.g. respond by XX/XX/2023 ) to respond to this letter. See the XX/XX/2023 letter attached for this information.
03/19/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MN
  • 55106
Web
The original debt is with XXXX XXXX XXXX of the XXXXXXXX XXXX. There are several problems with this debt in which I had at least 6 phone calls with XXXX about the following : 1. I was not made aware when they came and knocked on my door trying to get me to sign up for their services that I would be entered into a year-long contract with their company. The rep did not tell me this nor is there any contract that I received a copy of stating this. 2. The amount of the debt is for 4 services, plus one 30 day follow up service to the first of the four. The company only performed one service and the follow up service, that was it. 3. XXXX is a pest control company. I hired them expecting them to be able to get rid of the mice in my garage. After expressing to them on more than one occasion that I really needed help in my garage with the mice, their employee placed ONE poison " house '' outside of the garage and that was it. 4. The poison they placed in my yard was easily accessible by my pitbull that has a strong desire to chew up plastic items and the item they put in my yard was plastic and therefore could have killed my dog. The poison was also outside of my garage, the mice were living inside the garage so not sure how well they thought this attempt to kill them would work. 5. After the above happened, I called the company to complain and was told they would not send a tech back out, to just wait at least 2 more weeks to see if the problem still persists. TWO WEEKS WITH MICE? By that time they would have multiplied by at least 4x. 6. Once I realized the company 's level of incompetence, I told them to not come to my home again, that I was hiring another company that knew what they were doing and would do the job correctly. Which I did and the mice were gone within one week of them coming to my home. I have tried to explain to XXXX it is completely unfair that I wasn't made aware of the fact that what they were signing me up for was a year long contract. Also that I didn't receive any kind of paperwork stating such. They were not sympathetic and told me i had to pay for all of the services, even the ones I did not receive. I feel like I should not have to pay for anything I did not receive, and I also think the " services '' that I did receive were so far from what is expected that I should not have to pay for those either. They continued to call me and ask for money even though I told them the same thing every time. Then when I would ask to speak to a supervisor, I was told I can't and that it wouldn't make a difference anyways, since no one would help me.
06/05/2019 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Sued you in a state where you do not live or did not sign for the debt
  • IL
  • 604XX
Web Older American
An security alarm company, XXXX/XXXX/XXXX XXXX XXXX, on XX/XX/2017 Scammed me with a defected security alarm system. The installer can to my house after dark to install the system. When he finished he had no paper work with him, saying the office would contact me the next day. He said I would have to pay {$99.00} for installation with a credit. I paid with my credit card, and he sign the installation sheet and told me to sign, I did. He told me If I had any problems to call him. He wrote the phone number down and Left. The next day I dropped the handle of my mop, and the alarm went off like crazy, I call the installer, XXXX XXXX. He told me to reset it. I called him many, many time after the initial time, because the system would go off for any little reason. The installer stopped answering my calls. XXXX, would call me when I would leave home on multiple time, saying someone was in my house, I rush back home and nothing would be wrong, except the alarm.going off again. XXXX sent out many people. Finally the last the last guy told me the wrong system was installed, and to call XX/XX/XXXX loyalty dept, to get the correct system. Called XXXX, the next day, They said the company that did the installation was XX/XX/XXXXand they would call them with me on the phone. They talk to a XXXX in finance, explained what was happening with my system, and a new system should be installed for my high ceiling, She said they only had one type of system. She said she would cancel my contract, I told her I never sign a contract, because they never sent me paper work. She did not respond. I ask her about refunding the {$160.00} and all the money I paid, she stated she would refund the XXXX only, she never refunded me the {$160.00}. She said the system would be turned off right away, but she turned it back on two week later. I called and called, XX/XX/XXXX/XX/XX/XXXX, they would not take any of my calls or leave me on hold until I hung up. Please help we, they have ruin my credit. I found out later, that XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX ( Which was the company I called ). All three works together to fraud and scam people. There are many people on the internet that are saying the same thing about these three crooked companies. The three crooks, put a contract on line, where someone from their company forged my signature.
07/28/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MO
  • 64055
Web
On XX/XX/2020 I signed up for a prepaid newspaper service with the XXXX XXXX XXXX at the XXXX XXXX XXXX in XXXX XXXX, KS. The representative selling the paper stated this was a prepaid subscription and that it would not be auto renewed. I confirmed this a second time before I handed over my debit card for payment. I began receiving my paper with no issues, but I realized I didn't want to renew as the paper was not substantial enough to justify the cost. I had forgotten when the delivery was set to expire, but I received an email from the XXXX XXXX XXXX on XX/XX/2020 stating that my subscription had expired on XX/XX/2020. The email also stated " We value you as a subscriber and hate to see you go. Renew your subscription today. '' I received several phone calls in the following months requesting that I renew my service. I declined each time. I was never informed during these calls that my service had continued or that I owed any money. I have never received a paper bill from the XXXX XXXX XXXX. On XX/XX/2020, I received a letter from A.R.M. Solutions attempting to collect a debt of {$22.00} for their customer the XXXX XXXX XXXX. I emailed the XXXX XXXX at their request per the recording on the customer service phone line on XX/XX/2020. I requested the debt be removed as I had never received a bill nor was my service supposed to auto renew. I also included the email that showed my subscription had expired XX/XX/2020. I received a response to that email today, XXXX XXXX, that apologized for the inconvenience, but stated that I owe them the money. I viewed the XXXX XXXX XXXX XXXX site for the XXXX XXXX XXXX and have found that this business has a pattern of predatory billing practices that often result in customer 's having to lodge complaints to obtain correction. I am disturbed that I can be reported to a collection agency for a debt that was never billed. If the XXXX XXXX had my address and my phone number to request renewals, it is perplexing to understand how I did not receive a bill. In addition, it appears the XXXX 's sales representatives repeatedly lie to consumers to get them to sign up for the service. I wonder why the XXXX can not take the same decisive action against its own employees that it takes against its " valued subscribers. ''
06/19/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 93536
Web
In short a company ca lled ARM Solutions is trying to collect a {$65.00} debt that they claim is owed to XXXX XXXX XXXX XXXX XXXX XXXX . The {$65.00} was paid months ago, but ARM Solutions keeps sending me notices.

Timeline XXXX - XXXX -2017 - I fil led for XXXX different service requests using my home warranty, XXXX XXXX , XXXX for dishwasher and the other XXXX for the fireplace.

Within the next week - The dishwasher repairman arrived and fixed the dishwasher. I did n't pay him the {$65.00} deductible because I did n't have any checks or cash and he said I could pay the home warranty company on their website.

Within the next week - The plumber arrived but said that fireplaces were n't covered by my warranty. My spouse paid him {$65.00} in cash for the deductible.

Within the Next week - I complained to XXXX XXXX for sending a technician and charging me for a service that they did n't cover. They agreed to refund the {$65.00}.

XXXX - XXXX - 2017 - I receiv ed a notice from ARM solutions that {$65.00} was past due.

I called first american, they said they had n't issued me the refund yet because they were waiting on an invoice from the plumber for financial backup. I asked them to apply the refunded {$65.00} from the fireplace to the dishwasher deductible, they agreed and we settled the matter.

XXXX - XXXX - 2017 - I received a second notice from ARM solutions that {$65.00} was past due. I contacted them and left a voicemail explaining the situation and offered to provide them written proof from XXXX XXXX . No one ever called me back.

XXXX - XXXX - 2017 - I re ceived a third notice from ARM solutions that {$65.00} was past due.

XXXX XXXX -2017 - I re ceived a fourth notice from ARM solutions that {$65.00} was past due.

I 'm now informing the CFPB so that I might receive help in getting ARM to stop sending me these notices. Not only are they a nuisance, but I am concerned they will notify a credit agency and it will affect my credit score err oneously.

10/04/2021 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • IL
  • 604XX
Web
XXXX uses door to door sales tactics. On or about XX/XX/2021, a sales person came to my home to sell pest solutions. as part of the conversation, I asked if XXXX was licensed/permitted to solicit in XXXX XXXX XXXX Illinois, where I live. I was told they did hold a permit. I agreed to try the service, which was completed that day. I later contacted the XXXX of XXXX XXXX administrative office to find out not only did XXXX not have a solicitation permit, they did not even bother to apply. The representative stated that any company wishing to perform door to door solicitation must obtain a permit for each agent of the company that will be doing the solicitation. I contacted XXXX on XX/XX/2021 telling them to cancel my services in reply to an email they sent with an invoice. I later called their offices, canceling my services since I did not hear back from my XX/XX/XXXX email request to cancel. I then received text messages on XX/XX/2021 and XX/XX/2021 requesting that I contact their financial services office. I replied back to both texts that I did not owe any money as they lied to me in order to get me to agree to a service. I received emails on XX/XX/2021, XX/XX/2021 and XX/XX/2021 trying to collect a balance on the account. I responded on XX/XX/2021 that I would require verification of their solicitation permit before I would pay anything. No response. On XX/XX/2021, I replied to both the text message and the email that I would not pay them anything and to stop contacting me. They also have tried to call me on several occasions but I have not talked to anyone since I canceled the service. I then received a debt collection letter dated XX/XX/2021 from A.R.M. Solutions, Inc. attempting to collect a debt for XXXX. I just sent back a letter to XXXX explaining the illegal business practices and their repeated attempts to collect a debt not owed even after I told them to cease.
09/11/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • OH
  • 43230
Web
XXXX XXXX XXXX repeatedly harasses me for XXXX XXXX payments that are not overdue. Starting in XX/XX/2023, the company began calling and sending me letters for overdue payments that were not overdue. In XXXX, the payment owed was posted on the portal on XX/XX/2023. I paid the bill via the portal on XX/XX/2023 and received an email confirmation. The next day, I received a phone call telling me my bill was overdue and needed to pay the balance. I explained to the rep that I paid and received an email confirmation for payment. I spoke with an account manager about it later that week, but still received a notice about a week after that, indicating that my payment was overdue. I checked the portal and I still did not have a payment due and the next bill was not posted. On XXXX XXXX, the next payment was posted and I paid it on XX/XX/2023 with email confirmation and the payment showing in the billing history. About ten days after this I received another notice that this payment was overdue. I receive no notices when these payment due notices are posted and I'm still paying promptly. The payments on the portal are not visible when they are posted as I checked it a few days prior to my XXXX payment and did not see it. I paid it as soon as it was visible. I submitted a complaint with the XXXX XXXX XXXX on XX/XX/2023 about these practices. This is the initial response that I received : " Since you have elected to forego auto-pay, this does increase your chances of being notified of a past due bill since these bills have not been paid on time since XXXX. I can assure you that you are not, at this point, being dinged or reported to any credit bureau agencies. '' However, today, XX/XX/2023, I received a notice from a debt collector ( A.R.M Solutions ) that I owe {$34.00} as of XX/XX/2023. However, this was paid on XX/XX/2023 ( 7 days after being posted ) and I currently have a {$0.00} balance.
06/26/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 920XX
Web
XXXX XXXX XXXX XXXX has been sending me bills that are inaccurate and incorrect ( extreme fluctuations in cost- from around {$20.00} XXXX month to around {$250.00} the next ) and suspicious meter readings, and assessing late fees when I haven't paid the full incorrect amounts, even after someone at their company told me bills were incorrect and that it would be fixed ). I have contacted them many times by phone, their website chat, their website email portal, and by mail, and they do nothing to correct the problem. I got a letter from A.R.M. Solutions , Inc., stating it is a debt collector and that " my debt '' has " been forwarded to them to resolve. '' There is a tear-off sheet, but it says that I should pay XXXX, not A.R.M Solutions XXXX and gives my XXXX account number as a reference number. Also, it says that the form should be mailed to XXXX, not A.R.M Solutions. I believe A.R.M. Solutions is misrepresenting itself as having bought the " debt '' from XXXX in its capacity as a debt collector. In reality I think that A.R.M. has some kind of partnership with XXXX to make people think that they have been sent to collections and that their credit will be ruined if they don't pay XXXX ' bogus bills. I have continued to pay a reasonable amount to XXXX monthly because it's true I am using some propane, just not the amount they are saying in their incorrect bills. I have paid nothing to A.R.M. and sent them a verification letter. I am XXXX and have low income and can not afford to pay XXXX ' inaccurate bills. Please investigate and stop these companies from taking advantage of people. Our whole HOA is having this problem, and XXXX has not explained to the XXXX president what is going on. XXXX neighbor was charged {$12.00} XXXX month and {$800.00} the next. I can provide more information upon request. Thanks.
03/30/2022 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • VA
  • 236XX
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Discontinued sending a hardcopy bill form to my residence. Then started to call and wished to have me provide credit card or banking account number over the phone to acquire automatic payment method. I informed them at that time that I have no problem with paying my bill that they will have to continue to forward me billing thru the mail as they once were. They explained that they were not part of the billing department. I received numerous calls with the same conversation to each person that called. XXXX XXXX XXXX & XXXX p.m. XXXX XXXX. & XXXX. XXXX XXXX XXXX & XXXX a.m. are the last of many before that i started to keep records, Then I got an email XXXX with a view of the hardcopy bill that i used to get in the mail with an individuals name XXXX XXXX XXXX XXXX XXXX XXXX. I responded to that email asking. When and if i could continue to receive a hardcopy in the mail to my address. No return response. No hardcopy received in mail. In many of these communications with persons on phone, no one could answer my questions as to what the account number they were calling about, where the subscription was being sent to, what time frame or dates the service was from end to end, what address the bill was being sent to. They just wanted me to give them my credit card number over the phone. I feel these actions by the daily press are done deliberately to try to streamline the process and lower their cost of dealing with mailed bills to the customer. I am sure they wish for more automated process. It cost less. There was no profane or obscene language used. No threats of violence mentioned. There were comments of false statements and continued harassing phone calls after asking them to discontinue calls & provide written statements for resolution to this issue.
12/29/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 95928
Web Older American
I cancelled my subscription to the XXXX XXXX, but did not cancel my automatic subscription payment to the XXXX XXXX, in XXXX of 2022. The newspapers stopped getting delivered, no further charges were made to my XXXX XXXX account which I used to pay my XXXX subscription, and I received no further communications from the XXXX XXXX so I paid no further attention to the matter. On XX/XX/XXXX I received the attached letter from A.R.M. Solutions. I initially thought that it was a scam because I had not been contacted by the XXXX XXXX since I cancelled my subscription. I have never before encountered a billing process that began with sending bills to a collection agency without first contacting the customer directly. It was further puzzling that they had not simply extracted the funds from my XXXX account : I had never shut off the " autopay '' and all they needed to do was to request payment directly from XXXX XXXX, as was done for years. I suspect that the change in management since the XXXX XXXX was sold has led to some confusion in their office. Although I did cancel my subscription, and I have received no newspapers in the intervening period, they told me via telephone that all they know was that I had instructed them to no longer charge my XXXX XXXX account for the subscription, which seems rather odd to me, as nothing of the sort was ever discussed. I have instructed the XXXX XXXX to charge my XXXX XXXX card for the balance they say I owe, and XXXX informs me that the payment is pending, A.R.M. Solutions insists that I must still pay them, in addition to what I have paid XXXX XXXX. I believe that I should pay neither, although I have already paid the XXXX XXXX for services not rendered. Paying A.R.M. Solutions redundantly would only add insult to injury.
09/11/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33618
Web
XXXX XXXX XXXX XXXX XXXX was contacted to specifically deal with weeds within the landscape beds. XXXX XXXX an XXXX XXXX XXXX was dispatched to our residence to complete a site survey and convey the services the company would render. XXXX was escorted around the property and is noted via audio/video on surveillance system in which the specific weeds and vines were identified for removal. XXXX XXXX also took digital images of the specific areas whereby the weeds were growing and stated XXXX has the ability, tools, equipment and personnel to remove the weeds within the landscaping beds and to keep them from growing including a monthly treatment. This was the only service requested from XXXX XXXX XXXX on approximately XX/XX/2021. At a later date, an XXXX XXXX tech came to the residence to perform a service. Prior to service the tech was asked about the service plan he was to perform and he indicated he was going to spray the grass. The tech was informed that grass treatment was not in agreement with our service request and that he was only to treat the landscaping beds. At that point, the tech indicated that the chemical treatment was not intended to treat landscaping beds and that the chemical would in fact destroy all of the plants, weeds and flowers as the chemical can not isolate weeds from other plant life. At that point, the tech was told, not to perform any services short of treating weeds within the landscape beds. The tech informed us that, he was unable to perform this type of service and that we were misinformed as to the type of services XXXX XXXX XXXX performs, which is only to treat weeds, fungus etc, within grass and not landscaping beds. In conclusion, XXXX did not perform any related services based on what sold to us as a service.
03/08/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 93105
Web
XXXX XXXX XXXX XXXX company performed a XXXX XXXX XXXX service for us between XX/XX/XXXX in connection with a home and office move. They sent a single invoice via email on Sunday XX/XX/XXXX. Shortly after the service was performed we moved. XXXX never sent another email, letter or other communication about the invoice or payment. The next communication we received was on approximately XX/XX/XXXX from A.R.M. Solutions, on behalf of XXXX a debt collection service saying that the bill was overdue and in collections. I immediately calledXX/XX/XXXXto advise them that I was not even aware that the invoice had not been paid as we never receive any followup communication. I paid the invoice immediately via credit card. XXXX responded via email with a confirmation that the payment had been made. They also indicated that A.R.M. Solutions would be notified. The next communication was on approximately XX/XX/XXXX from A.R.M. saying the invoice was outstanding. I notified A.R.M. that it had been paid and demanded an end to the unjustified collection attempts. I also notified XXXX The next communication from A.R.M. was on approximately XX/XX/XXXX making the same false and damaging claim. I called both XXXX and A.R.M. again with the same demand to cease the unjustified collection attempts. With XXXX I spoke to a billing supervisor who said she has emailed her counterpart at A.R.M. to advise the invoice had been paid and was going to be sent the confirmation letter issued back on XXXX, XXXX, XXXX. I received yet another letter from A.R.M. dated XX/XX/XXXX making the same false and damaging statement that the invoice was still outstanding. These communications are harassing, disturbing and damaging to my business and reputation.
08/04/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 77586
Web Servicemember
ARM Solutions out of XXXX, CA, on behalf of XXXX XXXX XXXX is actively trying to collect a debt that is not valid. I entered an agreement with XXXX XXXX XXXXl at a previous address XXXX XXXX XXXX, XXXX Texas XXXX, in 2021, with the company guarantee that their services would eliminate pest and bug problems. I called this company out on multiple occasions to no avail, as the services being provided were not adequate. After multiple visits to the home, I contacted the company to tell them that they have breached their " guarantee '' policy by not being able to eliminate or even slow the pest situation and that I was going to have to change to another company that could take care of the issue. They immediately began calling me, emailing me and texting my cell phone weekly, harassing me about a breach of contract fee that was to be charged. I told them that they were if fact, the party that had breached the contract and that I would not be paying any fees. This same scenario happened multiple times, and each time, they would tell me that a " manager '' would contact me back. When I received a call from a " manager '' several days later, it was a collection agent from another country outside of the US, who proceeded to threaten me about the " consequences '' of not paying the fees. I am completely dissatisfied with this company and the so called " service '' that the were unable to provide, as well as their shady business practices and harassment. I want all of the money back that I paid to XXXX XXXX during the time we were under contract, because they were never able to do anything that they claimed. This company is a scam and I would advise anyone who considers using them not to.
08/01/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NJ
  • 080XX
Web Servicemember
I had an account with XXXX XXXX XXXX XXXX, ( XXXX XXXX XXXX ). I called and emailed them to cancel my account because they debited funds from my account on XXXX separate occasion without my permission. On XXXX, I cancelled my service with them and mysteriously the same amount that was debit from my account was sent to collections. On XXXX spoke to XXXX and was informed ( XXXX XXXX XXXX do not owe us anything you have a XXXX balance and your account is closed ). I also informed XXXX that I was receiving a collection notice and they appeared to not have any knowledge of anything being sent to collections. On XXXX informed the collection agency A.R.M. that I do not owe XXXX and that they were paid in full when I closed my account. The A.R.M. representative told me that I needed proof that I paid it. I stated my account was closed without and XXXX claims not to have any knowledge as to why I am receiving collection notices from your A.R.M. At this point I am feeling harassed and bulled by the attempts to collect on a debt that I do not owe in order to protect my credit. I to make these tactics made known to the public to prevent from being pressured and harassed into paying debits that you know you do not owe to save your credit rating. These companies should not have the ability to fraudulently say a consumer owes a debit that is not truly owed. Please help, by holding these XXXX companies accountable for falsely reporting my account to collection and then trying to repeating collect on a debt that is not owed.
09/13/2020 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 959XX
Web
XXXX filled my propane tank in early XXXX of XXXX without my knowledge or consent ( we had decided to use a different propane provider ). I was not on any automatic fill and in fact the account was set up so I would have to call for a fill. I did not know they had refilled the tank until weeks later when I tried to get another company to fill the tank. I also did not receive a bill for several months. I attempted to complain but really the tank was already filled and I could not have them take the propane back. In the spring of XXXX they sent the account to XXXX XXXX for collection. I received a phone call from XXXX XXXX on or about XX/XX/XXXX. I requested information from them to verify the debt, which they provided by the end of XXXX. On or about XX/XX/XXXX I paid a settlement amount to XXXX XXXX based on their representation that they had authority to settle the debt for 75 % or approximately {$1200.00}. XXXX credited the settlement payment to my account but has not closed out the account and has now sent me to another collection agency ( ARM Solutions, Inc ) to collect a further {$480.00}. At this point all they are collecting is the {$36.00} late fees they have been tacking on to the account for the last 11 months ( the original debt was all but paid by the settlement I made with XXXX XXXX ). The late fees are {$36.00} per month. I have attempted to make complaints to XXXX about my account but have received no response. COVID has made it hard to contact an actual person.
05/22/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 92802
Web Older American
Our house had damage by water leaking from the toilet on the second floor. We requested for help from the XXXX XXXX XXXX XXXX. They assigned XXXX XXXX services to do the repairing. XXXX XXXX technician came to our house once. and left right after 5 minutes. He did not do or say anything to us. We thought that he might need more equipment to finish, but no, he had never come back. We had to contact the XXXX XXXX XXXX XXXX again. Ofcourse, several time contacting, The insurance company found out the reason from XXXX and request us to having the Asbestos test for that damage which was required by law. That Asbestos was not absolutely not covered by The home warranty ins. We had to request XXXX- our home involved. XXXX XXXX had their carrier come to our house to dry the house, opened the walls from 1st floor to 2nd floor to do the asbestos test. The test was negative. I contacted XXXX again and again asking them to come back to our finish the job such as repair the toilet and put the wall back to normal. XXXX had never come back since then. We could not leave the toilet leaking and the wall opened forever, We had to pay for the different plumping service to finish the whole thing. However, XXXX kept sending us invoice {$75.00} copay, even they did not do anything. How could we pay for that bad service?. It is not fair at all to pay for a company as XXXX. Recently, we received a notice from A.R.M Solution Inc., a collector agency. Please help us to dispute this debt. Thanks
04/25/2022 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • 346XX
Web Older American
We hired a XXXX XXXX XXXX to Service our home on a monthly basis or as Needed. They came a couple of times and cleared hornet nest, and spider webs, etc. After a month we continued to see insects including Ants! We called them and let them know that we were having Additional Problems, they said the would send a service person out which they did to lay ant traps etc. a few weeks later there were spiders in the house, I called and told them I was cancelling their service at which time they said they would have to charge XXXX to cancel the service or they could send someone else at NO charge to re-do the exterminating. We agreed and the serviceman came and exterminated beyond the fenced backyard where he said the problem was coming from and the next week we were sent a bill for XXXX! Then sent out another serviceman 2 weeks later! We said someone had just been here to which he replied " well, you are on my schedule '' for this we were charged another XXXX! We haven't heard from the company except for Billing since XXXX! However, we paid the XXXX charge of XXXX. I emailed the company to cancel and was told that only phone calls can cancel services, Well, I had already tried that and was convinced by the company to NOT cancel the Service, so I said the email would have to do! They have been sending Bill reminder emails which we '' ve ignored, Now we get this Collection Notice saying we owe them XXXX! No Way! we're paying to be RIDD of Them!!
09/19/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 33496
Web
Sales person knocked on our door at XXXX on a friday night- came back at XXXX on a saturday ( next day ). This is not permitted in our neighborhood. Told us they service 90 % of our community ( sounded bogus but as a new build community there are contractors that do in fact service a large portion of our community ; XXXX, however, does NOT ). Told me the products were organic, non-toxic and safe for pets and children. They lied to me. I saw this as soon as the first invoice receipt landed in our inbox with the products used and links to some of them including warnings that these products are NOT safe for children/pets and are toxic/cause cancer ( none are organic ). We moved to cancel our account and they have refused to get on the phone. Continuously emailed that a supervisor will call us and they did not. When we did get someone on the phone, they confirmed they cancelled our account, waived the cancellation fee due to misrepresentation/our experience and would reimburse the initial fee since we didn't have our full treatment yet ( they had not sprayed inside the home, only outside ). They did not reimburse within 10 business days as they promised. We disputed with XXXXXXXX XXXXk, we won. The initial {$200.00} is back in our account and monthly payments were stopped. They have now sent us to collections over this {$200.00} which we do not owe. We have XXXX dollars owed and NO account with them!
10/10/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 95008
Web
This is regarding a transaction with XXXX XXXX XXXX XXXX I have a one year contract with them. The contract number is XXXX I wanted to use my home warranty plan to cover the cost to replacing my kitchen faucet which had started leaking. I had purchased my own faucet that I wanted to have installed in my kitchen. I contacted XXXX XXXX XXXX XXXX about this and they created a work order for this job. The work order number is XXXX XXXX XXXX assigned this plumbing job to one of their in-network plumbers called XXXX XXXX XXXX and XXXX ''. The date of service was XX/XX/2022 The plumber arrived on the day of service and he indicated that he could replace the leaky faucet ONLY with the replacement faucet that he carried with him and not with the one that we had purchased/wanted. We did not like the style/color of the faucet that he carried with him and and since he would not agree to install our chosen faucet, we told him that we did not want his services. The plumber left without doing the job but I received a bill from XXXX XXXX XXXX XXXX for the service fee ( {$85.00} ) I tried calling First American but their wait times are too long. I also wrote a letter to them explaining this situation. I have not received any response yet. However, XXXX XXXX has transferred this case to one Debt Collection Agency ( A.R.M Solutions Inc ) and that company keeps sending me mails about outstanding debt.
08/20/2019 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NC
  • 28173
Web
On XX/XX/2019, we send you the request for debt verification and disputation with rights given by the Fair Debt Collection Practices Act. 15 USC 1692g. The FDCPA Section 809 : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed. until the debt collector obtains verification of the debt is mailed to the consumer by the debt collector per requested, Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt. On XX/XX/XXXX letter, I have enclosed the validation and dispute letter to the Original Creditor Pursuant to NC. Gen Stat. 131E-91, patient rights receive an itemized bill including, but not limited to, all charges, and patient deposits and insurance payments with the correct name, etc.. since we did receive several bills, insurance info and medical records ( we can not disclose this information to you due to HIPAA ). In addition to the above-mentioned items, we have also requested your office provides me with competent evidence that we have any legal obligation to pay ( prefer a copy of the original contract or official authorization assign you or your company legally taking this action ) with the evidence for any validated detailed account statements.
10/09/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30068
Web
On XX/XX/XXXX XXXX XXXX of XXXX XXXX XXXX XXXX signed me up for a one year {$150.00} bimonthly plan with a {$150.00} early cancellation fee, I gave my debit card. XXXX provided the service. XXXX said first charge didn't go thru and ran card again. My bank acct shows 2 - {$150.00} charges on XX/XX/XXXX. The next service was on XX/XX/XXXX but again the bank charges show {$150.00} on XX/XX/XXXX and XX/XX/XXXX. I tried to resolve local but was sent to Billing dept where there is no way to leave a message but instead says to send email to finance department. Finance department never responded to multiple emails. Calls to the local office also failed to resolve. So I cancelled the service XX/XX/XXXX and they sent me a bill for {$150.00} early cancellation. I paid the company for 2 services at $ XXXX/each and {$150.00} early cancel fee = {$460.00}. However, they have taken through my debit card {$150.00} x 4 = {$630.00}. That leaves them owing me = {$160.00}. I have a dispute through my bank for {$150.00} on the XX/XX/XXXX withdrawals which they resolved with the bank. Now they have threatened to send me to collections. They actually owe me {$9.00}. I have sent numerous emails with records of the withdrawals from my bank account. I can not get anyone in Finance to contact me. I received a debt collection notice from ARM Solutions , Inc. on XX/XX/XXXX.
02/06/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 93422
Web Older American, Servicemember
I know newspapers are struggling to stay in business these days because it seems only old people read them. But they can not force you to take their paper. We had a 13 week subscription, for {$27.00}, that had ended. The XXXX sent a renewal for 13 weeks for {$55.00}. My husband decided it was too much money so he wrote cancel on the renewal and returned it to the XXXX. The XXXX continued to deliver the paper and send us bills. The XXXX called day and night to get us to renew. We kept telling them we did not want the paper to take us off their phone list. Then a women called from the XXXX to say we had to pay for the papers. I told her we had not ordered them and were not going to pay. We then received a letter from A.R.M. Solutions, Inc. at XXXX. XXXX XXXX, XXXX, Ca XXXX a collection agency. All this time the XXXX kept calling to get us to take the paper. Finally someone offered my husband the paper at a cheap price for 13 weeks. He said ok, then they told him he would have to pay the {$55.00} for the papers we had not ordered. He told them to forget it. My husband is XXXX years old. He enjoys reading the paper, but not at any price. I do n't like to be taken advantaged of. At the advice of the Consumer Financial Bureau we sent a letter to the collection agency saying we disputed the charge. This is very stressful.
08/22/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • WA
  • 983XX
Web
I contacted XXXX XXXX in XX/XX/2022 to check to see if they could fill my propane tank, as I moved into my house in XX/XX/2022 and it was empty just before XXXX day. They took all of my information and said someone would call me to setup a call but it may not be for a few weeks. I let them know I needed service within 1-2 days and they said someone would call me with emergency service departments. In the meantime, I found another company, XXXX XXXX who was able to come out the same evening as my call and filled my propane tank. A few months later, I began receiving calls and bills for propane service. I let them know we already had another company come out months before. I spoke to multiple supervisors and asked them to take me off their list. Then, I received this collection notice for a very high amount. My propane tank is XXXX gallons which is about {$700.00} to fill, no where near {$3700.00} despite the fact XXXX XXXX has never stepped foot on my property nor been engaged or contracted to fill. I believe they used my information gathered on the XX/XX/2022 call to create a fraudulent account. Propane was filled XX/XX/2022 by this vendor, who can be reached to confirm service : XXXX XXXX XXXX ( Owner ) : ( XXXX ) XXXX XXXX : ( XXXX ) XXXX Website : XXXX XXXX XXXX Email : XXXX XXXX
12/20/2022 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CT
  • 062XX
Web Servicemember
Arm Solutions has called me and wife and threatened court actions with a paid off judges in their back pocket named XXXX XXXX and XXXX XXXX. They are claiming that I owe money to XXXX XXXX or a company that I have overpaid for work that they did not complete and this fraudulent collections scam is a preemptive attempt to use the system and manipulate it for avoiding money that is owed to me by XXXX XXXX. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. Inactive modal What would be a fair resolution to this issue? ARM collections pay the standard {$1500.00} time 4 or {$6000.00} for just a fraction of the calls after company was repeatedly told to stop threatening me and wife with legal action and the ruination of credit for a fabricate and manufactured debt that is done with pre-meditation and preemptively in order to overcome the actual, real, and understated debt owed to me by XXXX XXXX for services paid for that XXXX XXXX did not deliver on.
03/22/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33026
Web Older American
I purchased a subscription to the XXXX XXXX and confirmed it would not be auto-renewed. Six months later I received a renewal form and contacted them stating I did not want the newspaper. We contacted them on XX/XX/XXXX to state the paper was still coming and we had not renewed ( they said they would cancel delivery and remove the charges. We received a letter from A.R.M. Solutions stating they were a debt collector and we owed {$230.00}. We called the XXXX XXXX on XX/XX/XXXX and they said they would contact A.R.M. and advise them the charges were removed. We continue to receive letters from A.R.M. trying to collect the debt. I spoke to them on XX/XX/XXXX @ XXXX and spoke to XXXX XXXX who advised me to contact The XXXX XXXX again. My wife called the XXXX XXXX on XX/XX/XXXX @ XXXX and spoke to XXXX XXXX # XXXX ) who advised her that we owe {$0.00} and A.R.M. would be advised. We received another collection notification from A.R.M and I contacted them today, XX/XX/XXXX at XXXX and spoke to XXXX XXXX again who advised me I needed to go back to the XXXX XXXX as they had not advised A.R.M. of the correction and that I should send a letter of dispute to A.R.M. I find this to be irritating and harassing.
12/21/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CT
  • 06824
Web
On XX/XX/2018, A.R.M. Solutions ( Collection Agency ) from CA claimed a debt due from me to a 3rd party. I responded with a written signed letter on XX/XX/2018 asking for : 1 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 2 ) Proof that you are licensed to collect debts in Connecticut ( The assumed debt is in CT for both parties ) I disputed the debt : I further : " disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA '' On XX/XX/2018 I received another letter from them threatening me with further collections, Notification to credit reporting agencies and further legal action. The letter from them was dated XX/XX/2018.
03/19/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 912XX
Web
The XXXX has been attempting to collect money for a newspaper I have never received. A solicitor came to my door offering subscriptions to various magazines and the XXXX. To get rid of her, I gave her a check for {$19.00} for the times. It was supposed to be for the Sunday edition to be delivered for 2 months. The paper was never delivered, and I have never received anything from the XXXX other than bills for more money. I emailed them stating that I never received the paper and I did not want it. No newspaper ever arrived, yet requests for payment continued. I assumed it was fishing by the XXXX, so I threw them away. Today, I received a letter from A.R.M. Solutions which is apparently the XXXX ' collection agent. They are attempting to collect {$28.00}. I realize that it is a small amount, but it is maddening to be continually sent bills and then be put into collections for a product I never received. I am sure that were I to pay the amount they say I owe, I still would not receive any newspapers from them, nor do I want anything they have to offer ever. I would like this resolved so that false debt or false collections do not show up on my credit report.
07/29/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 78260
Web
Arm Solutions, Inc has billed XXXX XXXX for collecting money allegedly owed to the XXXX XXXX XXXX for newspaper. Mrs. XXXX is XXXX years old and legally XXXX. I contacted the XXXX XXXX XXXX and spoke with a customer service representative who agreed to remove the debt. I then called ARM Solutions and spoke first with a representative, then with a supervisor. I advised them that the XXXX XXXX XXXX was removing the debt. I also advised them that as Mrs. XXXX XXXX attorney, they are to cease contacting her and send any further correspondence to me as prescribed by the Federal Fair Debt Collection Act. They refused to even take my name, address and phone number according to their internal practices. If they continue I will take appropriate action, but I believe that company deserves this complaint. Mrs. XXXX address is XXXX XXXX XXXX AXXXX XXXX, XXXX XXXX, MO XXXX. My contact information is XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. Arm solutions contact ins XXXX XXXX XXXX, XXXX, CA XXXX, phone XXXX - collection account number XXXX XXXX XXXX. ARM solutions refused to provide contact information to me regarding its legal department.
11/01/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 398XX
Web
A.R.M. Solutions ( California License No. : XXXX began robo texting me XX/XX/2023 at XXXXXXXX XXXX regarding a debt owned to them by a company named XXXX. I am not XXXX and owe this company no debt so I replied STOP to end the texts. I then began receiving calls from A.R.M. Solutions. They call and ask to speak to XXXX. I reply that I am a private citizen and am not XXXX nor am I responsible for XXXX 's bills. They keep telling me they will take my number off the account but the calls still come. Yesterday, XX/XX/2023 at XXXX XXXX I was home sick and received another call from A.R.M. Solutions asking to speak to XXXX regarding a debt. I informed the person I was done with their lies to remove my number and that I was filing a harassment complaint with the FTC. I want these calls to stop. A.R.M. is perfectly capable of using XXXX to contact someone with XXXX in order to have this debt paid, yet they continue to call and harass me. The persons calling me have promised multiple times to stop calling me yet they continue. I would like a copy of all the records of their calling and harassing me so I can pursue legal action.
12/22/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 92804
Web
I received a notice of a debt owed which I sent in a payment and the check was cleared on XXXX XXXX, 2021. I continue to receive notices the debt has not been paid and phone calls. I have sent two notices back with copies of the cleared check in XXXX and XXXX yet the debt collections agency claims they have no record of the debt paid off. I am attaching one of the bills I have received along with a copy of my paid check in the full amount with the account number on the check. I received a phone call today and the person from the company first told me he checked with a supervisor to see if the debt was paid then changed his story to he checked an automated system. He refused to allow me to speak to a supervisor and stated they had no email address available for me to send the copy of the check and notice but wanted my e-mail. The company is A.R.M Solutions , Inc. address is XXXX XXXX XXXX XXXX Ca. XXXX ; ( XXXX ) XXXX ( This information is from their website ). The notice has a XXXX XXXX XXXX XXXX and phone ( XXXX ) XXXX. Their website lists an email address XXXX. Thank you for your assistance in this matter. XXXX XXXX
02/23/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • SC
  • 29715
Web
- I paid for delivery of the XXXX XXXX XXXX for 10 continuous Sundays. I paid them {$28.00} on XX/XX/XXXX via credit card, for this service. - No paper was ever delivered, I contacted them via e-mail and phone 4 weeks in a row stating no paper was delivered. They kept swearing they would correct. I have copies of email responses on XX/XX/XXXX, and XXXX. No paper was ever delivered. I asked for a refund which was not received. - I then started to receive calls several times a week stating I owed them money, I told them it was the opposite they owed me money. They said they would communicate this to management. - Now I have received letters from a debt collection company twice stating I owe money to the XXXX XXXX XXXX. I contacting them and sent them written expiation on why I do not owe them money. - I have attempted to contact the XXXX XXXX XXXX 3 more times asking if this was a scam and to please remove any debt owed and to credit me my money for non receipt of goods. In my messages I stated if I did not receive a response I would contact legal services and local news. I never received a response.
08/06/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33015
Web Older American
I disputed two monthly charges of {$78.00} each made by The XXXX XXXX to my XXXX credit card : one made on XX/XX/XXXX and another one made on XX/XX/XXXX. The reason for the dispute was due to the fact that The XXXX XXXX increased my monthly subscription from {$27.00} to {$78.00} without my consent and consequently I cancelled my subscription. ( XXXX XXXX XXXX used to charge my XXXX card automatically every month. ) After its investigation, XXXX refunded me two amounts of {$51.00} each which is the difference between my old rate ( {$27.00} ) and the new rate ( {$78.00} ) The XXXX XXXX tried to impose upon me. According to XXXX, the reason they credited my account was that The XXXX XXXX never answered to XXXX inquiry. Therefore, The XXXX XXXX was paid {$54.00} for two months. In addition, XXXX informed me that on XX/XX/XXXX they credited my account in the amount of {$24.00} due to a credit initiated by The XXXX XXXX itself. Now The XXXX XXXX sent me to a collection agency because they say I owe {$150.00} for the months of XXXX and XX/XX/XXXX and XX/XX/XXXX, which debt I obviously do not accept.
04/10/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 33914
Web
XXXX XXXX XXXXXXXX XXXX are stating i owe them XXXX for a service call that was cancelled. Hurrican Ian hit us in XXXX FL in XXXX 2022, my pool heater stopped working. they told me it would be 6 weeks before they could get here i called them two days later to inform them i had a company coming out in three days. They were ok and cancelled the appt. In XXXX i received a call stating i owed them for a service call. i explained i had cancelled and a technician did not come to our house. they told no problem ; they would take care of it. in XXXX i receive a bill in the mail. I called again, they were apologetic, and they were to remove the balance. in XXXX i received a collection letter from A.R.M services agency Account number of XXXX collection services stating i owed the amount. i wrote the company ARM and they were contacting the company. I called XXXX XXXX and the lady told me they were on a new system and that's why there were no records, but it was out of their hands. I have a great credit score of XXXX and want to keep it that way. please help me to reverse this. Thank you
10/20/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 32566
Web Servicemember
XXXX XX/XX/XXXXXXXX sent my account ( XXXX ) to A.R.M. Solutions, Inc. I received a notice from this collections agency on XX/XX/2018. My bank, XXXX mailed check # XXXX in the amount of {$63.00} to XXXX XXXX XXXX XXXX on XX/XX/2018. I spoke with 3 separate XXXX XXXX representatives. One confirmed that they received XXXX check # XXXX in the amount of {$63.00} on XX/XX/XXXX. Two separate occasions I was assured by XXXX XXXX XXXX that the account was fine and there had been a credit of {$63.00}. During this process, I received ANOTHER collections notice from A.R.M Solutions , Inc. dated XX/XX/2018 that read : '' Despite OUR CLIENT 'S ( XXXX XXXX XXXX ) efforts regarding the above mentioned account, this matter remains unresolved. We are requesting you make full payment. '' The payment of {$63.00} has been made and credited to the XXXX XXXX XXXX, however, A.R.M. Solutions Inc. is STILL requesting payment after having been contacted by their client XXXX XXXX. Why would they still need a payment having full knowledge from their client that it is no longer required?
09/26/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • XXXXX
Web
Four years ago I signed up for a subscription to the XXXX XXXX XXXX newspaper. Money was taken out from my credit card, beginning in XX/XX/2014, to cover the upcoming 6 months by easy pay. Except they would take the money from the credit card and then bill me again. The XXXX payment crept down to becoming a XXXX payment. Every 6 months I would have to call and complain. They would tell me they would fix the problem, but it usually didn't get fixed until I sent them copies of my credit card statements, etc. In XXXX. I cancelled the subscription. Then I called XXXX XXXX and told them not to pay because I had cancelled. I paid {$5.00} for any extra papers I received. XXXX XXXX said they agreed to the cancellation in XXXX. I did not receive any papers from the day I cancelled. Then the day they settled, they turned me into A.R.M. collection agency asking for the full amount of the 6 month subscription which I didn't get. I had already paid them a prorated rate. I never received any communication from them after I cancelled. Then I received the collection notice.
09/08/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33414
Web
I was contacted via mail by A.R.M. Solutions, Inc. about an alleged debt for the amount of {$390.00}. I do not have a contract with them that would give them grounds to collect any debt from me, and yet they claim that I owe this debt. Due to the fact that they have contacted me without my consent, A.R.M. Solutions , Inc. has infringed on my right to privacy as a consumer. On XX/XX/2023, I mailed an Affidavit of Truth to A.R.M. Solutions , Inc. outlining {$6000.00} in violations that I discovered on their document dated XX/XX/2023 from their initial contact with me. I also attached an invoice for that same amount of {$6000.00} in damages to be paid to me by check. They received both documents on XX/XX/XXXX, evidenced by USPS tracking # XXXX. A.R.M. Solutions , Inc. has failed to rebut my affidavit with an affidavit, nor pay my invoice, resulting in a default on their end. On XX/XX/XXXX I mailed to them a Notice of Default and Opportunity to Cure, granting them 10 days from receipt to pay my {$6000.00} invoice. I am eagerly awaiting my payment.
02/15/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 95608
Web
The XXXX XXXX, our local newspaper, asserts we owe them a debt because we chose not to renew a subscription. Their price kept going up, their product quality kept going down, and we let the subscription lapse. For the next 90 days, they continued delivering the paper to our door. During and after that, they repeatedly sent invitations to renew. The most recent said You recently canceled your subscription Were inviting you to re-subscribe with this special [ price ]. In the same invitations, they demanded payment for the 90 days and threatened debt collection. Now their debt collector A.R.M Solutions demands payment and threatens our credit rating. This is nonsense. Any company that sends unsolicited sample products to encourage potential customers to buy has no contractual claim to payment for those samples. This is XXXX XXXX XXXX The XXXX cant both recognize we canceled the subscription and demand payment for issues we didnt request. This is outrageous and illegal. We will reply to ARM immediately after complaining to relevant regulators.
11/21/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • KS
  • 67203
Web Older American
The descriptions I had to chose from didn't really accurately apply. Here is my explanation of what I experienced : I received a false collection letter that I owed money on a newspaper subscription that was overdue and that instead of collecting the balance amount of {$36.00}, they would accept an " Authorized Settlement Amount '' in the amount of {$27.00}. The bogus balance was from the XXXX XXXX XXXX where I have had an account for some time. I knew this was untrue, so I called the XXXX XXXXXXXX XXXX and they informed me that my account was good until the first week in XXXX and that they did not use a firm in California to collect debts. I cancelled my account with them, since I obviously am not the only one that has access to their subscriber 's information and contacted you. The name of this fraudulent deb collecting company is : A., R.M. Solutions, XXXX XXXX XXXX, XXXX, CA XXXX XXXX I am sure people less skeptical than I have already handed over XXXX 's to them. Please stop them before they can do anymore harm than they already have.
06/10/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28037
Web
Our subscription expired with the XXXX XXXX. They continued to deliver the newspaper. After a few weeks they called us asking if we wanted to renew. When we told them we did not want to renew, they asked about paying for the papers they continued to deliver after our subscription has expired - at a ridiculously high rate. When my wife told them to 'send us a bill ' they said they couldn't do that - you could only pay for them over the phone. Since we did not authorize delivery after our subscription had expired, and I felt they were trying to rob me with a ridiculously high rate I never agreed to - I said we would not be paying for them at all. I believe this falls under the Federal Trade Commission 's 'Unordered Merchandise ' statute. Today we received a phone call from A.R.M. at XXXX. They claimed to be a debt collector, and said we owed the XXXX XXXX {$68.00}. I told the girl I would be filing this complaint and to never call us again. Thank you for all you do for the citizens of North Carolina!
05/23/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CT
  • 065XX
Web
I have a rental property, the boiler stopped working, XX/XX/2017.I called my oil company XXXX XXXX to check it. The oil company XXXX XXXX did not notice me at all. I was told they replaced a lot of parts for boiler. Then they billed me over {$900.00}. Because I have protection plan for boiler, so they gave me a 20 % discount, but they still billed me over {$700.00}. After what they claimed they replaced a lot of parts, soon the boiler stopped working again, I hired a plumber to repair it later for twice. It costed me over {$500.00}. I made a complaint to state of Connecticut, department of consumer protection. The result is they would like to take {$100.00} off the bill. I did not accept the offer. XXXX XXXX XXXX also lied to the Department of consumer protection. Under Connecticut law, I am not obligated to pay that bill, because I did not authorize the work and they didnt give me a written estimate of the work required. And then I received a letter from A.R.M. Solutions, INC. to collect money.
12/03/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 958XX
Web
I allowed my subscription to the XXXX XXXX to lapse. They had said they were switching to Autopay, but I never agreed to it choosing to let the subscription lapse instead. Without ever even sending me a bill, I started to get nasty telephone calls from someone who claimed to work for the XXXX demanding money. I finally blocked the number and they turned me over to A.R.M. Solutions asking for {$72.00}. I called the XXXX to contest it and they said they couldn't make it go away and suggested I pay them instead of the collection agency. I paid the amount in full on XX/XX/2018. Now I have received another bill from A.R.M. Solutions, for {$5.00}. No explanation of what it is for, but they sure do want my credit card number. I believe this is fraudulent and that they will continue to threaten me and send false bills to me if I comply. How do I get this to stop. My credit rating hovers around 830, so this isn't because I am a deadbeat.
07/03/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NM
  • 87124
Web
I received a phone call in from A.R.M. collections on or about XX/XX/2018, attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX. I had just installed a solar system with XXXX XXXX through XXXX and then financed through there finance company XXXX XXXX. I then told A.R.M. to send me the collection letter which I received yesterday, XX/XX/2018. I then proceeded to call XXXX XXXX, XXXX, and XXXX XXXX, to find out what exactly is going on with my account with all of them. They proceeded to inform me that there was no debt that was in arrears with all three companies ; XXXX XXXX, XXXX or XXXX XXXX. I'm assuming this must be fraudulent however A.R.M. was very persistent, I have called the New Mexico Attorney generals office and they could not find A.R.M. in there files as a valid company. So, if there is anything that you can do to help me or anyone else with this information, it would be greatly appreciated. XXXX XXXX XXXX
01/04/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 93611
Web
COLLECTION NOTICE FROM : A.R.M. Solutions for the amount of {$28.00}. This was regarding a newspaper subscription from the XXXX XXXX newspaper that was ORIGINALLY subscribed through XXXX XXXX REWARDS program at the beginning of XXXX of XXXX for 1 YEAR ONLY. I was NEVER given any type of notice that if I didn't personally contact the XXXX XXXX after the 1 year expired, that i would be AUTOMATICALLY re -subscribed. i assumed that after the subscription ended, that i would not have to do anything if i didn't want to " RE-UP ''. I contacted the collection agency by phone on XX/XX/XXXX at Approximately XXXX Pacific time and spoke with a representative from A.R.M. and he told me that if i was to pay the {$28.00} now, that they could contact the XXXXXXXX XXXX and see if anything could be done.. He said that the XXXX XXXX already paid them, so why would you think they pursue this matter any further???? Sounds fishy to me!!!!
02/12/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 76132
Web
REQUESTED THE XXXX XXXX XXXX XXXX NEWSPAPER TO START HOME DELIVERY XXXX, XXXX. RECEIVED HOME DELIVERY OF THE PAPER UNTIL WE BECAME VERY DISSATISFIED WHITH THE PAPER 'S CONTENT AND IT'S HIGH COST. THE AGREEMENT WAS TO PAY IN ADVANCE FOR THE PAPER. LAST PAYMENT SENT WAS XX/XX/XXXX WHICH WAS TO COVER THE COST OF THE PAPER THRU XX/XX/XXXX. WE RECEIVED SEVERAL NOTICES THAT OUR SUBSCRIPTION WAS ABOUT TO EXPIRE SO WE LET IT EXPIRE. THE PAPER CONTINUED TO BE DELIVERED WITHOUT OUR PERMISSION OR PAYMENT FOR APPROXIMATELY 30 MORE DAYS. THEN WE GOT A NOTICE FROM A.R.M. XXXX XXXX, XXXX, CA, A DEBT COLLECTOR, DATED XX/XX/XXXX, SAYING WE WERE DELIQUENT FOR {$300.00}. WE FEEL A DISHONEST TACTIC HAS BEEN EMPLOYED BY THE XXXX XXXX XXXX XXXX BY DELIVERING AN UNASKED FOR PRODUCT AND THEN SENDING US A BILL FOR IT, AND THEN AN ATTEMPT TO TARNISH AND THREATEN OUR CREDIT SCORE BY SENDING A DEBT COLLECTOR AFTER US.
05/13/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • CA
  • XXXXX
Web
A company by the name of Accelerated Revenue Managers in XXXX California reported my name and home address to XXXX ( XXXX of the XXXX big credit reporting agencies ) with derogatory information regarding an unpaid pest control bill ( to a company named XXXX XXXX ) without having ever notified me of the debt scenario or that they would be damaging my credit score as a result of their filing. I did n't find out about it until I went for a home refi on my mortgage and their filing showed on my report. At no time did I have any creditor relationship with XXXX. Accelerated Revenue Managers most assuredly is not following the proper communication protocols nor should they be reporting potentially fraudulent negative credit information without first establishing contact with the alleged creditor. Please investigate their credit collection practices so that others are not harmed by their tactics.
01/17/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • TX
  • XXXXX
Web
I filed bankruptcy XXXX XXXX, and after doing so, received a letter stating I owed for services I did not receive ( From XXXX ). I sent emails several times, XXXX XXXX, XXXX XXXX, as well as sent a letter dated XXXX XXXX, and made contact through XXXX ( several times ), who said they would tell the branch manager to call me. I spoke with the branch manager ( approximately 2 weeks ago ) and informed him of the bankruptcy and he said he was aware and would update his records and cease communication with me to collect the debt. I received a statement dated XXXX XXXX, XXXX from A.R.M. Solutions, Inc. on behalf of XXXX. This is very frustrating and causing so much XXXX as I explained my financial situation on top of being unemployed since XXXX XXXX. I wish to file this complain in regards to the statement of facts and recover any monies as imposed by the company violating the bankruptcy law.
03/19/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92024
Web
I had an account with the XXXX XXXX XXXX and have always paid by personal check because I do not want automatic renewal. So they do not have my credit card on purpose. At the end of my last subscription I did not want to renew, so I didnt. They stoped delivering papers at the agreed upon end of the subscription date. I later received a letter from ARM Solutions which is a collection agency saying I owe {$34.00} for a paper I never signed up for and never received. So this collection was not for a product received, it was for a future payment that I never agreed to. We called the XXXX XXXX and confirmed that we never renewed so we didnt owe anything. Our account was apparently closed. But Im still receiving letters from the collection agency asking for the {$34.00}. If any damage has been done to my credit due to unjustified collection attempts, I will sure both the XXXX XXXX and ARM.
07/27/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 23435
Web Servicemember
I subscribed to a newspaper, the XXXX XXXX. The newspaper failed to deliver the paper and went weeks without actually delivering it. I actually thought my subscription had expired until I saw I was charged again for a renewal. I called my credit card company to try and cancel future charges and they suggested I dispute the charge form the last renewal which I agreed to. They disputed the charge for me and credited me the money back. The newspaper then sent the charge to collections. After receiving the initial debt collection letter I wrote a response to the debt collection company informing them that the debt was not mine and they should not contact me again. They failed to heed my request and have continued to send me collection letters. The company is A.R.M solutions, XXXX XXXX XXXX XXXX CA, XXXX, ( XXXX ) XXXX. My account number with them is : XXXX.
03/15/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 359XX
Web
XXXX XXXX XXXX at XXXX XXXX XXXX XXXXXXXX KY XXXX has mailed me numerous invoices for services that I have not agreed to. The total is {$340.00} for a tank pick up fee that I did not agree to. I have contacted XXXX over the phone to dispute this invoice and was told that they would send me a copy of the original signed contract that I never received. I haven't ordered gas from them in 4 years. I had called their office and requested to remove their tank 3 years ago. It occupied my property until they removed it last year. Since then XXXX has turned the invoice to the collections company XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. I have requested 3 times proof of billing from XXXX. XXXX did send fraudulent invoices that were vague and not detailed itemized invoices. XXXX has not provided any services to me or my property in over 4 years.
03/12/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 90620
Web Servicemember
Hello, this is in regards to Client Reference # XXXX with the XXXX XXXX XXXX and Collections Account # XXXX The XXXX XXXX XXXX hired solicitors to go around the neighborhoods to create new accounts. I signed up for a Sunday only subscription about two years ago. For whatever reason, I never received the Sunday paper that I wanted for the local coupons. After a year, I received a bill in the mail to renew my subscription. There was a customer service number on the bill and I called to complain about not receiving our paper. It was explained to me that they were sorry and that they would look into it. I would like for someone to please, please look into this as I am sure that they will enter a negative report on my credit rating. Thank you for looking into this. Respectfully, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
01/19/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28227
Web
First in their letter dated XX/XX/2023, A.R.M. Solutions claims to be a debt collector on behave of XXXX. They did not state these requirements : - That you can dispute the debt and that if you dont dispute the debt within 30 days the debt collector will assume the debt is valid - That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt I had a propane tank removed by XXXX from my property. It was on the property when I purchased it. Since they removed their tank, they are saying that I owe them for removal. I never agreed to this nor signed any contract and told them that I would not pay. They tried to tell me that I have to abide by their rules that they sent me after I disputed their bill. I told them I never agreed to them nor signed the contract they sent me.
06/09/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 29926
Web Older American, Servicemember
Multiple letters from ARM Solutions, and its client, XXXX, each week abut a {$50.00} " debt '' for document shredding services provided by XXXX on XX/XX/2021. The XXXX XXXX credit card I provided to XXXX before the services were rendered were used to overcharge me by {$50.00}, so I placed this amount was placed in dispute with XXXX in XX/XX/2021. On XX/XX/2021, XXXX XXXX resolved the dispute in my favor. On XX/XX/2021, I wrote to ARM Solutions, XXXX 's debt collector and provided documentation which showed the action taken by XXXX. Communication from XXXX and XXXX ceased for 20 months and resumed again about six weeks ago-in the form of multiple letters each week from XXXX and ARM requesting payment. Not only is the claim for payment without merit, the sheer volume of demand letters constitutes harassment.
06/13/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 95864
Web
A.R.M. Solutions Inc. has attempted to collect a debt on behalf of The XXXX XXXX ( newspaper ) for an alleged charge I never agreed to. I contacted both A.R.M. ( the collection agency ) and XXXX XXXX XXXX. Both agreed to stop calling, but neither offered to clear the erroneous charge from my record without written follow-up from me, which I believe is unnecessary since there is nothing in either of their files to substantiate that the debt was rightfully charged in the first place. I believe both companies should be warned or charged for both fraudulently originating charges as well as aggressively attempting to collect on such charges, and finally for not promptly and simply taking action to remove the erroneous information from their tracking systems without undue burden on me.
02/08/2021 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • 33176
Web
I had a subscription to local newspaper, XXXX XXXX, for weekends only. When it expired they sent me an invoice to renew the subscription which I no longer wanted. I tried to call repeatedly, but was unable to speak to anyone. I did not pay, expecting them to discontinue service. I did not want to receive paper any longer. Instead of discontinuing paper delivery they continued to send the paper and have forwarded me to collections company, ARM Solutions. I tried calling the XXXX XXXX once again to no avail. On XX/XX/2020, I sent a letter to ARM and XXXX XXXX explaining the " MISUNDERSTANDING ''. Apparently the letter was ignored and they continue to send me letters. Is this legal? I feel they are trying to force me into paying for something I did not request or authorize.
02/17/2021 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • NC
  • 28104
Web Older American
I received a collection letter from ARM Solutions XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX. The collection is on behalf of XXXX. Today, XX/XX/XXXX around XXXX XXXX I called ARM at XXXX. The agent briefly introduced himself, but later refused to state his full name. I stated that the goal of my call was to start a dispute. The agent refused to listen to me and refused to provide me with a way to initiate the dispute. He informed me that I have no rights to start a dispute and that I have to call the creditor directly. He tried to confuse me by stating that their action is not collection action. I request that an investigation into ARM practices be performed. I also request that this collection action be terminated due to unfair practices. Thank you XXXX XXXX
12/14/2017 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 782XX
Web Servicemember
I am receiving a call regarding a Pest debt of {$130.00} ( approx ). I do not have a debt with this Pest Company. I have repeatedly informed the Debt collection company XXXX and also confirmed with this Pest Company. I have also contacted all credit bureaus to ensure I do not have any negative impact on my credit. I DO NOT HAVE THIS DEBT. I am unsure how to make them stop. But they are harassing me. Last call was XXXX at XXXX. I informed them thank you for calling but there is a misunderstanding and I do not have a debt. They got rude and hung up the phone. I contacted the pest company explaining. Response : " You do not have a debt, we are sorry let me try to have a manager call and get this removed '' NOTHING gets removed. Nothing happens.
07/23/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 786XX
Web
there was delay in paying quartarly charge : {$100.00} The invoice was misplaced, that is how it was delayed. as soon as I see new remainder I paid the due amount on XX/XX/2018 XXXX XXXX. Now I got a Letter from so called A.R.M solutions Inc XXXX XXXX XXXX XXXX, CA XXXX Ph : XXXX asking me to Pay the same amount again which I paid already on XX/XX/XXXX to Original Service Provider. I have evidence of my payment to original service provider and receipt of payment is attached here. I called the both XXXX XXXX XXXX and also ARM Solutions each one of them are saying Talk to other party, NONE is able to resolve the issue. Client Acct # XXXX Agency Acct # : XXXX Client Name : XXXX XXXX XXXX this is CLIENT for XXXX XXXX XXXX.
11/12/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Threatened to take legal action
  • CA
  • 95240
Web
This XXXX or XXXX XXXX called my XXXX year old daughter 's phone and left message that she is wanting to serve me and is threatening to take legal action against me. stated she has my name and social. I returned the call but went to recording stating the company name is A R M? So i researched this XXXX XXXX and this company A R M on the internet and read these people are scammers. how in the world did they get my daughter 's phone number? this is not the first " phantom debt " collector threatening me and repeatedly calling my several daughter 's phone and also calling my employer! these companies need to be stopped please Help! I have never received one piece of correspondence from this person nor this company.
10/13/2021 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 95070
Web
I subscribed to the XXXX XXXX for a year in XX/XX/2020 through a XXXX one year subscription. I did not renew the subscription but received many phone calls asking me to renew even after I told them to remove me from their calling list. Now I received a debt collection letter from A.R.M. Solutions ( XXXX, CA ) on behalf of the XXXX XXXX saying if I don't pay a debt of {$42.00} a negative record will be submitted on my credit report. Not renewing a subscription is not a debt, and these scare tactics by the XXXX XXXX are anti-consumer and I feel likely illegal. XXXX order : Purchased on XX/XX/XXXX Item # XXXX Redeemed on XX/XX/XXXXCollection agency : A.R.M. Solutions Inc Client Acct # XXXX Agency Acct # XXXX
04/13/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • XXXXX
Web Servicemember
My subscription to the XXXX XXXX expired. They continued to deliver newspapers. I did not ask for or want them. I tried to cancel a few times. Finally my wife got through and the subscription was cancelled. They tried to collect for the amount ( above the market / subscription rate ) for what THEY decided I owed. For papers AFTER my subscription ended. I did not pasy the bill as I did not and do not feel it is a valid debt. Then they sent it to a collection agent. I relented and paid the ~ {$75.00} that I DID NOT OWE. I want a refund and any negative credit impact expunged. I will also be filing a complaint with the the local DA and the state Attorney General. This is an unmitigated extortion machine.
06/29/2017 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • TX
  • 761XX
Web Servicemember
OnXX/XX/XXXX, I received a debt collection letter from A.R.M. Solutions, Inc. about a {$19.00} debt from their referenced client XXXX XXXX XXXX ( XXXX ). I returned the original letter, wrote them a cease communications letter and sent them via certified/return receipt mail onXX/XX/XXXX.

A.R.M. Solutions, Inc. received my documents on XX/XX/XXXX. In my cease communication letter, I explained them I will be contacting XXXX about this debt and I do not want to deal with A.R.M. Solutions, Inc.

The debt was written off sinceXX/XX/XXXX when I called XXXX.

A.R.M. Solutions, Inc. ignored my cease communications letter and sent me another debt collection letter which I receivedXX/XX/XXXX.

04/03/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IL
  • 605XX
Web
I paid {$20.00} as a donation to a veterans fund to receive a 3 month subscription of XXXX XXXX XXXX. They failed to deliver the newspaper for the allotted time period and tried to charge me for additional funds even after they failed to send me my subscription. I received a notice From A.R.M Solutions ( dept collector ) requesting {$31.00} on XX/XX/2017. I paid them {$10.00} dollars as a compromise to make the debt go away despite not owing any debt. I am worried that their mistake will now place a negative record on my credit and I want A.R.M and XXXX XXXX to ensure a negative report on my credit has not been filed and if it has they address it to ensure my credit score remains as it was.
06/14/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 325XX
Web
A.R.M. Solutions is trying to collect a debt of {$100.00} for XXXX XXXX XXXX from XX/XX/2022. I spoke with an ARM representative multiple times & told them that I did not agree to this service and it was preformed when we were selling our home. Apparently XXXX auto-renewed our plan with them and sent someone out without our consent, performing treatment while we were not home. I told both XXXX & ARM that if they could provide me with documentation of my agreement to this service, I would pay the bill. I have not received any response. I called both companies today to make sure this was resolved. Each company told me they could not help me and that I would have to call the other company.
11/26/2019 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • LA
  • 70785
Web
I received a collections letter on XX/XX/XXXX for a principal amount of {$100.00} plus late fee of {$15.00}. This debt is to the company of XXXX XXXX for garbage disposal at my residence. This company quit servicing my residence in the beginning of XXXX after the flood of XXXX. I never received a bill for this service, much less notification of non payment. I called and spoke to a representative, I asked them why is my balance {$100.00} when my normal fee for that bill would have been $ XXXX? I was told the extra amount was late fees, even though the bill says the principal is {$100.00} plus {$15.00} late fees, and I have to say again that I never received a bill.
04/27/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 95620
Web
I requested a warranty service call from XXXX XXXX XXXX XXXX XXXX XXXX in California. They performed the service on XX/XX/XXXX for {$75.00}. The service was satisfied in XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX engaged A.R.M. Solutions Inc ( collection company ) to collect the debt for them. I have called XXXX XXXX XXXX XXXX multiple times and have informed me that they show in their records that the amount owed is paid but A.R.M. Solutions Inc continues sending harassing letters to collect on the amount that has already paid. Here is their contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX A.R.M. Solutions Inc XXXX XXXX XXXX XXXX CA XXXX
01/10/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33029
Web Servicemember
I have received numerous letters from A.R.M Solutions INC stating that I owe {$9.00} for a delinquent account from The XXXX. I entered into an agreement to receive limited issues of XXXX in 2014 ( estimated ) through a XXXX door to door donation special. Through my donation I was set to receive a specific number of issues of the XXXX. I did not sign up for or agree to receive any additional issues or extend my subscription. However, according to them and A.R.M. Solutions I owe {$9.00}. I believe this is an illegal process on the part of XXXX. Forcing me into purchasing additional subscription, without my permission or expressed willingness.
04/15/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 92130
Web
Hi, I had XXXX XXXX in XXXX and moved to XXXX. The company contacted me and I refused to transfer the service to XXXXI requested to close my account, and nothing was pending. Then, a XXXX XXXX representative called me several times and finally I accepted a courtesy free-of-charged visit, I did not liketo visit and I refused service. Since then, despite several texts, e-mails, and calls, explaining all this, I have been harassedby XXXX and a collector called A.R.M.Solutions. I would highly appreciate a resolution and an explanation of what the XXXX government will do to protect me as an honest consumer. Kind regards, XXXX XXXX, XXXX.
04/18/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • SC
  • XXXXX
Web
XXXX XXXX : A.R.M. Solutions, XXXX, CA, Phone XXXX I talked with Small Balance Department Manager, XXXX, ID # XXXX on XX/XX/2019 at around XXXX XXXX. ET. They sent a collection letter on XX/XX/2019 stating that I owe {$45.00} to XXXX XXXX ( newspaper ),. Subsequently the charge was canceled by the XXXX XXXX after my discussion with them. XXXX says my account is closed. I requested a letter verifying that the account is closed, but the manager said she can't send it. I need something in writing that this matter is closed, in case this issue shows up on my credit report. Please help how to get that the account is closed in written form.
09/11/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AZ
  • 85704
Web
XX/XX/2018 a {$640.00} debt to A.R.M. Solutions ( that should NOT have been owed!!! ) was paid off in full. However, I am still receiving between 5 and 10 phone calls per day from them and each phone call tells a different amount that is owed!!!! XXXX XXXX is the problem too!!! They have not communicated that the debt was paid off. Furthermore, the reason the collections started in the first place was because XXXX XXXX was SENDING THEM TO THE WRONG ADDRESS! I have received terrible customer service from XXXX XXXX. And multiple problems from the get-go. Please investigate XXXX XXXX and A.R.M Solutions!!!! Thank you, XXXX XXXX
09/29/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33445
Web Older American
Last week XX/XX/2021 - XX/XX/2021 Received a " Statement of Account '' in the mail from the following company : A.R.M Solutions, XXXX XXXX XXXX, XXXX, CA XXXX Statement claims I owe {$18.00} for a XXXX XXXX subscription XXXX I have NEVER had a XXXX XXXX subscription. I did some basic research about A.R.M Solutions and found it to be known as a SCAM company. That is why I chose not to make contact with them sensing I would just get the round around and pressure to pay what is not a legitimate claim. Filing complaint to ensure this false debt does not get on or have it removed from any and all credit reporting entities.
06/02/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • KS
  • 66048
Web Servicemember
I received a collection notice for an erroneous debt. I have contacted the original company for years for them to quit charging me for something I was not receiving and a subscription I have cancelled numerous times. I can not get written communication verifying that anything is resolved, only verbal. I want every communication regarding every complaint I file anywhere well documented because our legal system doesn't protect consumers from having a debt keep popping up with various collections agencies even when you pay it. I want complete documentation from the company and the collection agency that this is resolved.
03/06/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CO
  • 80132
Web Older American, Servicemember
Called company in XX/XX/XXXX to tell them I did not need their service after the end of the year as the property was being sold. Sale was to be by the end of the year but was not finalized until XX/XX/XXXX. Made more calls in XXXX and XXXX and several in XXXX since the company kept sending me notices of payment for XXXX. Each time I told them I didnt need their service. They kept sending me a bill and started adding past due charges. New owner called them and asked them to remove the propane tank and they told him they would not remove it. I researched the company on XXXX XXXX XXXX and filed a complaint
04/03/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 306XX
Web Older American
A.R.M. Solutions is dunning for a debt I already paid. They cite a {$51.00} balance with XXXX XXXX. I cancelled service effective XX/XX/2022. I was paid up through XX/XX/2022. I contacted XXXX XXXX. They said they had credited my last payment to the wrong account, and that they would correct their books and notify A.R.M., their collections division. I sent copies of my last XXXX XXXX invoice and my cancelled check to A.R.M. Unfortunately, collection efforts continue. I received another letter to day, threatening to report this improper debt to a credit reporting agency.
09/19/2022 Yes
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • FL
  • 32566
Web Servicemember
I received an email that a former employee of mine, whose employment ended more than 5 years ago, received a call on her personal cell phone from ARM Solutions, XXXX, advising they were trying to locate me to " collect a personal debt. '' This is wrong on many levels, as you know. I tried to call the above number, and had to leave an automated call back number. I emailed ARM Solutions at the " contact us '' email address on ARM 's website. This is a former employee who often refers my business, and ARM 's blatant privacy violation could cost me business. Please advise.
06/01/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 342XX
Web Servicemember
About a month ago, I received a XXXX letter from A.R.M. Solutions concerning a purported debt of {$200.00} incurred by me in XXXX with a merchant ( XXXX XXXX XXXX ) with whom I have never done business. I immediately replied by mail to the office and address provided in the letter, refuting the debt, and advising the company to desist from any further collection efforts. Yesterday ( XX/XX/XXXX ) i received a similar dun letter, without any acknowledgement of my previous correspondence, again demanding payment of this non-existent debt. I want this harassment to cease.
01/20/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • SC
  • 29210
Web
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
09/15/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60618
Web
In XX/XX/2018, I received a latter from A.R.M. Solutions stating I owe a debt of {$12.00} to XXXX XXXX. I have never had a XXXX XXXX subscription ( or received a newspaper delivery from them ) and when I contacted the XXXX XXXX, they were unable to locate me in their system. I then wrote to A.R.M. Solutions asking for proof of the debt. They have refused to provide proof of the debt but continue to send me letters demanding payment or they will report it on my credit reports. I do not owe this debt and demand proof of the debt. They refuse to provide this proof.
07/08/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 95204
Web Older American
Several months ago I owed XXXX XXXX XXXX XXXX XXXX ( XXXX ), as I was unemployed ( due to COVID-19 ) I could only afford to send them XXXX, then last month in XXXX I sent them the remaining XXXX in the form of a check which XXXX ( XXXX XXXX XXXX XXXX XXXX CA ) cashed. I recently received a demand for payment from A.R. M. Solutions, Inc XXXX XXXX XXXX, CA XXXX and ARM said they would report this NEGATIVELY ON ALL OF MY CREDIT REPORTS. I do not think it is fair for ARM or XXXX to try and EXTORT MONIES FROM ME THAT I DO NOT OWE, and also threaten my credit ratings.
01/31/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • ME
  • 041XX
Web
I hired a company called XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. The website and phone number for the company soon became inactive and there was no way to request services. They then provided a fraudulent bill for services they could not and did provide because they did not exist to a debt collector called ARM Solutions Inc, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, CA XXXX. The phone number for ARM solutions is XXXX. I should not be expected to pay for services not rendered from a company that does not exist. This is not correct billing.
06/08/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AL
  • 35811
Web
I contacted XXXX to receive propane in XXXX of XXXX. I never received any propane and therefore had my credit card company dispute the claim. After several months of back and forth the company agreed that we have an account balance of {$0.00} and sent an email dated XX/XX/XXXX reflecting this. We received a letter dated XX/XX/XXXX from ARM solutions trying to collect this debt. I have attempted to communicate with both companies to resolve this but can not reach anyone who wants to help.
04/05/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 127XX
Web
I had XXXX XXXX XXXX in my home heating propane delivery. then they merge with the XXXX company. the sent me a bill for {$110.00} for price protection for next year 's service. I close the account with them I did not take service I have a different company now. I call so money time to XXXX I explain to them. and now they keep adding up {$30.00} each month. now they asking for {$330.00} from collection company A>R>M solutions , inc. I just received the bill. XXXX XXXX XXXX
04/05/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 27713
Web
Original Creditor was paid on XX/XX/29. Received a letter from ARM solutions on XXXX. I tried calling the number on the letter ( XXXX ) XXXX. There are two options in the automated system : 1 ) Make a payment and 2 ) wait for a rep. I chose option 2 and after a minute or so the line disconnected. I repeated the process several times. Debt not valid and their phone number does not take incoming calls despite listing phone calls as a valid way to dispute the debt
09/19/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MS
  • XXXXX
Web Older American, Servicemember
Phoned company diirectly; said there was no information that showed I owed anything. Several times had called collection agency who claimed they could not get credit card to work and wanted another credit card. A friend gave me her card to use, and they said they could not get that card to work and wanted another credit card. I believe since both cards had been used the same day at groceries and else where, they appeared to be selling credit card information.
08/15/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MD
  • 208XX
Web
On XX/XX/XXXX I opened a non-descript letter that happened to be a debt collector for XXXX XXXX. The service fees had already been paid. I attempted to reach the debt colletor A.R.M. solutions. The debt colletor will not answer the phone. The line was automatically dropped after about 10 minutes of holding. This debt collector company is not operating in good faith if they can send a letter but not provide legitimate numbers to contact them for follow-up.
11/06/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NC
  • 28273
Web
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX is reporting inaccurate information on A.R.M. SOLUTIONS, INC. ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
10/04/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • XXXXX
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX I got a deb collection from above company forXXXX that I never owned or received services Agency account number XXXX My name : XXXX XXXX A.m.r debt collector, working on behalf of our client, XXXX XXXX XXXX XXXX only delivered one time on XX/XX/23, never received the propane delivered on XX/XX/23 there is still a remaining balance of {$830.00} due on the account are for the propane did not delivered
11/24/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • WA
  • 98052
Web
When I signed up for XXXX XXXX XXXX, I was told explicitly that I was signing up for a 12 month plan only and that my card would only be charged for that amount. I was sent an invoice for an extra month and after a conversation with customer support, it was determined that this was an invalid charge and they refunded this to me. They also sent me an email stating as such. I recently received a letter in the mail for debt collection for this amount.
08/29/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 34212
Web
Had a newspaper subscription for one year paid in full at the beginning of the subscription. When it expired I told them I was not renewing. The paper continued to be delivered for a few weeks then stopped. Two months later I start getting phone calls and letters from A.R.M. Solutions telling me I owed them money for the paper AFTER the subscription expired and AFTER I told them I was not renewing. They want {$59.00} or they will ruin my credit!
05/03/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33186
Web
On XX/XX/2022, I received a phone call from A.R.M. Solutions, INC ( she identified herself as XXXX XXXX, asking to pay for a debt ( of {$16.00} for a XXXX XXXX subscription ) that I do now owe. I also received a written note that says the same thing on the same day. She asked me how I do not owe the debt rather than describing what the debt is, such as which month 's subscription and when the last payment was made. I believe the call is a scam.
06/01/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 95661
Web
I cancelled my newspaper subscription last year. I have called several more times to cancel it. Today I received a collections notice, notwithstanding the fact they are still sending me letters asking me to come back while still sending the newspaper even though I have tried to cancel it several times. I called the collections agency. However, they say I can only dispute it by sending a fax or letter. They will not take my complaint verbally.
08/26/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28215
Web
I set up a 13 week Sunday only subscription on XXXX XXXX. I paid in full the amount of {$45.00}. I have an emailed receipt with all this information. Prior to my subscription ending I logged in and cancelled my subscription since then I have received many emails trying to get me to subscribe again, but never a debt notice until I received this one in the mail for {$24.00}. I believe they have sent this on mistake to the wrong person.
09/15/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 92672
Web
Over the course of a year, beginning XX/XX/2021, XXXX XXXX XXXX XXXX XXXX has requested payment for debt already paid. Based on the attached document, we have gathered email threads indicating proof of payment for these services that were sent to the XXXX and additionally noted false claims from the XXXX. The XXXX has sent us to collections without notifying us after we have responded to all emails to clear their accounting errors.
01/29/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • PA
  • 19053
Web Older American
The collection company keeps calling our business, employees, and their relatives after the written dispute of debt. The first notification of the alleged debt was received by our business on XX/XX/2016. The certified letter disputing that debt was sent to the collection company on XX/XX/2016 and was received by them XX/XX/2016 according to post office records. The debt verification still not provided, and abusive calls continue.
12/10/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30008
Web
I got a call from XXXX who claimed to be collecting debt on behalf of XXXX XXXX XXXX from 2019. They had an old address of mine ( XXXX XXXX XXXX ) but I haven't lived at that address in a while. I contacted XXXX XXXX and they had no record of my debt. They claimed they were from Arms Solutions which is who XXXX XXXX uses. I'm thinking it's a scam since they pressured me to pay immediately and did not answer when I called back.
06/12/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • UT
  • 84103
Web
I took over a property in XXXX Idaho and months after I began receiving notices stating that I owed money for propane tank rentals. I immediately contacted them and they could not tell me what it was for. I explained to them that I never personally rented propane from them. Despite several calls I continue to receive notices from various debt collection companies attempting to collect on the debt from XXXX XXXX XXXX.
03/24/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 91356
Web Older American
We have sent two letters in the mail one sent in XXXX of XXXX and another on XX/XX/XXXX that was sent with certified mail XXXX XXXX XXXX XXXX XXXX XXXX. We told the debt collector that we have no knowledge of the debt and requested invoices to provide. We also tried to call them on the number listed on their invoice but always got disconnected. This company continues to send us a bill and does respond to our letters.
07/28/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 959XX
Web
I was signed up for a renewing digital subscription to a newspaper without my knowledge. I never paid for the subscription, went on the website, or read the paper. The subscription then autorenewed in my name, despite me not knowing about it or ever using it, and then they started sending my bills for the subscription to the paper that I had never read. Now, they're sending a debt collector for the {$23.00} bill
08/06/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33134
Web
XXXX mistakenly send me to collections. This situation was resolved with XXXX XXXX. XXXX XXXX informed the collection company that this was resolved. I continued receiving collection notices. I requested documentation from XXXX XXXX that this was resolved. I have a letter from the collection company, dated XXXX/XXXX/15 that the account was closed. I received another collection letter dated XXXX/XXXX/15.
06/02/2023 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Contacted you instead of your attorney
  • NC
  • 27540
Web Older American
Getting repeated emails and a letter from A.R.M.Solutions Inc that we have not paid our yearly subscription fee for the XXXX XXXX XXXX XXXX XXXX newspaper. However, we have a monthly, up to date, automatic deduction subscription payment, rather than a yearly subscription fee. A.R. M. are scam artists ( as evidenced by other complaints against them ) trying to make us pay bill we do not have.
12/11/2017 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 95608
Web
XXXX XXXX,2017 {$130.00} A.R.M. Solutions sent a letter stating that they were a debt collection company for the XXXX XXXX. The letter stated that if I did not pay the {$130.00} it would damage my credit. This " debt '' is fraudulent and I do not owe The XXXX XXXX any money. I have sent a letter, phone calls and email to A.R.M and XXXX XXXX XXXX and the matter is still not resolved
01/24/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • PA
  • 18104
Web Older American
I prepaid for a newspaper subscription limited to 28 weeks. At end of 28 weeks I did NOT renew the subscription, but the company continued to deliver newpapers and is now trying to collect a bill for the unordered papers. I have contacted them twice to try to resolve this, but they refuse to remove the bill and have now submitted the bill to a collection agency.
10/27/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30127
Web
I am a victim of identity theft, and I have taken appropriate steps to rectify the situation. I have also submitted an Identity Theft Affidavit with the Federal Trade Commission ( FTC ). As a result, I have been issued an Identity Theft Report [ XXXX ] by the FTC, which confirms the identity theft incident. I informed A.R. M. Solution that the Dept is not mine.
01/08/2021 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • NY
  • 11233
Web
A call claiming to be the daily news contacted me last year saying I owed money. I never had the daily news. Now a company called a.r.m solutions inc say I have been sent to collections. They want {$35.00}. The mail is dated for XX/XX/2020. The company is in A.R.M solution inc is from XXXX, California. The daily news saying account receivable from XXXX, KY.
03/17/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 94706
Web
A company ( XXXX ) whom we had over a 10 year relationship, has charged us with a {$1100.00} early termination fee on claiming we had a one year contract, which we do not. They had sent us to collection and threatening to ruin our credit record. They have refused to produce the said contract ( since it does not exist. XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX
08/18/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MD
  • 21221
Web
I cancelled an account with the XXXX XXXX and later received a letter from ARM Solutions about a debt collection for {$10.00}. I was never informed of any outstanding balance from the XXXX XXXX at the time I stopped the service and paid the amount owed to ARM Solutions but I wanted to make someone aware of the situation before it happens to someone else.
06/12/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • XXXXX
Web Older American
I mailed this date ( XX/XX/18 ) a letter to A.R.M. Solutions regarding a debt they indicated of {$15.00}. indicating that I paid for a newspaper subscription in full. It ended. The XXXX XXXX continued to send me papers, after I advised their C.S.R. on the phone that I did not want to renew. I do not owe the XXXX or this debt collector anything.
02/07/2018 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • XXXXX
Web
on or about XX/XX/XXXX or XX/XX/XXXX i was saposed to have went to the hospital an had a XXXX copay which with me being XXXX an XXXX level living i dont pay copays ..this is an attempt to steal from me in an unethical way ..i tried to explain this to the women who then said quote we will see what it does to youre credit.then she hung up..
10/18/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • XXXXX
Web Older American
I let my subscription to XXXX XXXX newspaper lapse and did not renew.This was after many complaints about missed newspapers or late delivery and no corrective action.XXXX XXXX unlawfully sent my account into collection to `ARM Solutions Inc.To protect my credit I was forced to pay an amount of {$98.00} to ARM Solutions on XXXX XXXX XXXX,
02/17/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 90630
Web
RE ACCOUNT # XXXX CLIENT REFERENCE : # SAME COLLECTIONS ACCOUNT # XXXX XXXX CONTINUE TO GET OUTSTANDING BILLS FROM \XXXX XXXX XXXX. WHEN I SIGNED UP IT WAS ONLY A MONTH PROMOTION FOR XXXX A WEEK. I HAVE CALLED TO CANCEL AND CANCEL AND I STILL GET BILLS. NOW I AM IN COLLECTIONS SO I AM VERY UPSET.
04/13/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Taking/threatening an illegal action
  • Attempted to/Collected exempt funds
  • CA
  • XXXXX
Web
I had home warranty with XXXX for 2 years. I called for plumbing issue that was covered by the home warranty but the person they send was in a rush talking to his phone and said he will come back but he did not. I will not pay for this since the problem was never fixed per agreement.
08/09/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 29708
Web
I receive a notice of collection from ARM Resolutions in CA for a subscription with the XXXX XXXX. I never had a subscription with the XXXX XXXX. This better not damage my credit in anyway. This is a complete fraud and I will follow up with a complaint to the XXXX XXXX XXXX also.
04/02/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 75035
Web
I have asked this company multiple times for a copy of the contract that they said i signed. I have offered to send a copy of my drivers license to show i didnt sign for or authorize services with XXXX XXXX XXXX
03/19/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • ID
  • XXXXX
Web
I did not RENEW my subscription with XXXX XXXX, yet they sent an erroneous billing to collection agency A.R.M. Solutions, INC. XXXX XXXX XXXX XXXX XXXX CA XXXX. I owe XXXX XXXX nothing since I did not renew.
08/18/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • XXXXX
Web
A.r.m solutions XXXX XXXX XXXX XXXX XXXX California XXXX XXXX I got a deb collection from above company forXXXX that I never owned or received services Agency account number XXXX My name : XXXX XXXX
01/25/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MN
  • 554XX
Web
Services were never rendered by original company, XXXX XXXX XXXX, XXXX XXXX XXXX. This is a fraudulent company charging customers and not actually performing the service.
07/13/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Used obscene/profane/abusive language
  • TX
  • 78212
Web
A.R.M. representative called my boss at home and yelled at her, threatened to " ruin '' her personal credit for an office debt that we do not consider to be a valid debt.
01/17/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NV
  • 89511
Web
Received a debt collection from ARM Solutions for a debt of {$130.00} that does not belong to me.
01/04/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IL
  • 60544
Web
I did not order newspaper delivery ( XXXX XXXX XXXX XXXX and I 'm being charged for it
01/29/2024 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30253
Web
01/26/2024 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 62226
Web
01/24/2024 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MN
  • 554XX
Web
01/20/2024 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • 89178
Web
01/12/2024 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 37919
Web Older American, Servicemember
01/03/2024 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 93711
Web
11/17/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 76667
Web
11/10/2023 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • NY
  • 10707
Web
10/20/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 08822
Web
08/31/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77064
Web
08/29/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90746
Web
08/24/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28546
Web Servicemember
08/16/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60617
Web
07/07/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28277
Web Older American
06/26/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MD
  • 20774
Web
06/02/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 34758
Phone
05/10/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92620
Phone
05/02/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60527
Web Servicemember
03/19/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27529
Web
03/07/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 37692
Web
01/05/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33511
Web
12/22/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30047
Web
12/19/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92610
Web
08/30/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • VA
  • 22309
Web Older American, Servicemember
08/29/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 76120
Web
08/23/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 92647
Phone Older American
08/19/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • IN
  • 46321
Web
07/25/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11764
Referral
07/05/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75248
Web
06/08/2022 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 91977
Web
05/17/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 93230
Phone Older American, Servicemember
04/26/2022 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • FL
  • 33579
Web
04/22/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • SC
  • 29505
Referral
04/16/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • WA
  • 98052
Web
04/05/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CO
  • 80022
Web
04/02/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60525
Web
03/25/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 92119
Web
03/02/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27253
Phone
01/26/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NJ
  • 08053
Web
01/05/2022 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • CA
  • 91977
Web
12/07/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33166
Web
10/18/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33141
Web
10/08/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 92683
Web
10/06/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 94901
Web
05/18/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 95603
Phone Older American
04/02/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33319
Phone Older American
04/01/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33179
Phone Older American
03/22/2021 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • FL
  • 33012
Phone Older American
01/15/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • WA
  • 98387
Web
01/04/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
Phone
12/29/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32909
Phone
10/13/2020 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • IL
  • 610XX
Web
09/28/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 10303
Referral
09/22/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 10024
Web
09/04/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AZ
  • 85284
Web
09/02/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CO
  • 80007
Web
02/21/2020 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 93710
Web Older American
02/12/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • WA
  • 98512
Postal mail
02/06/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 34442
Phone
12/31/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 92025
Referral
11/25/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 95621
Phone Older American
10/24/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 23059
Referral
09/09/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 95667
Referral Servicemember
08/29/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27278
Postal mail
08/02/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 08046
Referral
07/30/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • VA
  • 23455
Referral
07/26/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 95667
Postal mail Servicemember
05/24/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 95818
Web Older American
02/20/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
Phone
02/04/2019 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 92708
Web Servicemember
01/02/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 95832
Postal mail
11/06/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28012
Phone Older American
10/10/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
Phone
06/28/2018 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 93711
Web
06/26/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 95818
Web
06/21/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
Phone
06/18/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 93702
Phone
06/04/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
Phone
05/29/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
Phone
05/02/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • VA
  • 20176
Referral
04/02/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 92104
Phone
02/28/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 91910
Referral
02/20/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 93449
Web
12/18/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 93618
Phone
12/15/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 90003
Web
12/05/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 93405
Web
11/25/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 76248
Web
11/14/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 90065
Web Older American
11/08/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MD
  • 21208
Web
08/18/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 34773
Web Servicemember
05/30/2017 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 95960
Web
05/10/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 10598
Postal mail
05/02/2017 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • KY
  • 40503
Phone
03/28/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 32225
Web Servicemember
03/27/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • GA
  • 30339
Referral
03/20/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 76108
Web Older American
03/16/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • VA
  • 23666
Web Older American
03/08/2017 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 95135
Postal mail
02/15/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 92026
Referral
02/15/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 79938
Referral
01/31/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • AZ
  • 85140
Referral
12/23/2016 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • FL
  • 32907
Postal mail
12/06/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 95713
Referral
11/08/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • IL
  • 61107
Web
11/04/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 93705
Phone Older American
10/21/2016 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 76092
Web
07/06/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 93722
Phone
07/05/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 32256
Phone Older American
07/05/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • MD
  • 21060
Web Servicemember
06/20/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 94517
Postal mail
06/06/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • CA
  • 91902
Phone Older American
05/25/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MD
  • 21231
Referral
05/03/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 95589
Phone Older American
05/02/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • VA
  • 23417
Phone Older American
03/21/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 92620
Web
03/11/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 95667
Web Older American
03/02/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 96130
Web Older American
12/03/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OH
  • 44241
Referral
10/29/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 32806
Referral
09/25/2015 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 95822
Web
09/23/2015 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33016
Web
09/02/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 91343
Postal mail
07/31/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 95648
Phone Older American
05/04/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • VA
  • 23139
Web
03/04/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 94509
Web Older American
02/10/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MD
  • 20707
Web
01/27/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 33426
Web
12/29/2014 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33027
Phone
12/23/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • AZ
  • 85210
Web
12/16/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 95336
Phone
11/08/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • KS
  • 66216
Web
10/31/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 34947
Phone
10/21/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • WY
  • 82325
Phone Older American
09/25/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NM
  • 87532
Web
09/12/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • GA
  • 30339
Referral
06/05/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NJ
  • 08827
Referral
05/13/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 91710
Web
03/05/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 95448
Web
02/09/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • VA
  • 23221
Web
01/14/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NY
  • 10022
Web
01/07/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • VA
  • 22181
Web
12/18/2013 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • PA
  • 16025
Web
12/12/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CT
  • 06442
Web
11/05/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 77059
Postal mail Older American
10/21/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Threatened to take legal action
  • VA
  • 20176
Web
09/25/2013 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • VA
  • 22032
Web
08/28/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 90808
Phone
08/12/2013 Yes
  • Debt collection
  • Mortgage
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 92653
Phone