| 06/21/2017 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I pulled my credit report a couple of weeks ago. I saw a debt that was being handled by Account Recovery Services representing the Creditor XXXX XXXX.I called ARS on Monday XXXX XXXX and was told XXXX XXXX was handling my account and he wont be in until Thursday XXXX XXXX. I asked to speak with someone else and they said I am not allowed to speak with anyone else. They transferred me to his voicemail and I left a message. I called XXXX on Thursday and I was told I owed a debt to XXXX. I asked what are my options and if he has any papers showing the cause of the debt. XXXX replied he can get that information for me by reaching out to creditor. He also said I can negotiate the debt. I said how much? He said it doesnt work that way. I would have to say a number and then he will take that to the creditor ( XXXX ) and then would let me now if they accept. We ended the call with the next steps of getting why and what i 'm being charged and what XXXX would accept. On Monday XXXX XXXX I received a letter from ACR/XXXX showing me a ledger of fees broken down that I do not agree with. I asked him if he talked to XXXX about negotiating and he said I would have to talk with them directly to negotiate. I said why since you own the debt? XXXX replied that is " an urban myth '' that 80 % of collection companies do not own the debt. I said o.k. who do I call? He replied XXXX @ XXXX XXXX XXXX. I said who is XXXX? He said he works for XXXX. I said if he negotiates do I pay him or you? He said pay XXXX. ( I feel this is weird ) I ask XXXX to send me a letter stating this is what he wants me to do and he stated " I am not going to do that ; I am being difficult ; this call is being recorded ; and if you do n't want to do it I suggest you let it stay on your credit report until XXXX when it will drop ''! My mouth dropped open. I called XXXX on Monday XXXX XXXX and left a message. No response. I called XXXX on XXXX XXXX and no response. No voicemail to greet you just rings and goes to voicemail. When I XXXX XXXX 's number the BBB has it registered at a REALTY company. XXXX got sold a couple years back and the new ownership did not take their debt. Who is XXXX??? Why ca n't I negotiate this debt? Why is ARS not telling me or giving me the accurate information to the creditor? Please help me as this is hurting my credit and no one is helping. Also this debt was incurred for 1 months rent for about {$800.00} and they want {$3900.00}. Debt happened in XXXX/XXXX/XXXX did n't go on credit until XXXX/XXXX/XXXX. I called State attorney generals office and talked to XXXX who said she did not know the statute of limitations. I called the FTC reference # XXXX and they said call CFPB. I just received a phone call from XXXX. Same number that is in XXXX 's e-mail. It is XXXX XXXX XXXX. XXXX ( the controller ) was the representative I talked to and said XXXX was in charge. She asked me what I would be willing to settle and I told her XXXX was all I could afford because I only owed 1 month of rent and I am not working. Her next step was to call XXXX and to let me know hopefully by tomorrow if he can accept and update credit report through ARS.
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| 04/06/2017 |
No |
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Thank you for your time. I 'm not sure who to turn to so I will try this in hopes it is the right place to go. I will write a summary and attach supporting docs. Many years ago I went through a really hard situation one which I hoped I would not visit again. In XX/XX/2012, I had an XXXX and went to see my original XXXX and she had me see XXXX who said my XXXX from the injury. I did not have the XXXX with him, I cancelled it because of the research I found on him, and because of my feeling after my contact from meeting with him and the offices follow through. He immediately sent a XXXX bill to a collection agency Account Recovery Services for a XXXX I did not have. After exhausting my efforts I had to hire a Lawyer in XX/XX/2012 to help me. The Lawyer sent a letter that asked them to respond in 30 days and that the services were not rendered and if they did n't respond we or assume this matter is closed. We never received a response. I have n't received anything from either party and many years have passed. Around the same time I had gone through a divorce and bankruptcy. Over the years I have worked really hard to rebuild myself and my credit to buy a house for me and my XXXX year old son. With hopes to get a house soon I recently viewed my credit report and saw this bill appears on it and should not. XXXX disputed it and Account Recovery Services will not remove it and say I still owe the debt. XXXX suggested I call and ask information on it so I did. They transferred me to my Account Rep XXXX and he said I still owe the debt for Services rendered and he confirmed he did have my Lawyers letter and that they do n't have to respond in the 30 days and that they still plan to collect. He said to have my Lawyer call. So I started researching everything again because of all the time that has passed. I found out that XXXX has passed away. That also since XX/XX/2012 a XXXX year old woman has died after his XXXX. Which reassured me I made the right decision and it made me extra grateful that I did not have him do my XXXX. I need help. I do n't know why after so many years have passed that they still say I owe for something I never received and that they plan to collect and did n't have to respond. Especially now that the Doctor is n't even alive. Please let me know what I should do and who I should contact. I really need help getting this bill off my credit report and making sure Account Recovery Services does not try to collect it now after 4 years later. Please let me know what other information you need. I really appreciate your time in reviewing my situation. Thank you so much. Warmest Regards, XXXX
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| 07/25/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This company Account Recovery Services , Inc which i have NO CONTRACT with is Reporting on my credit reports fraudulently.
* Were you named on the original contract with the original creditor?
* If not, do you have a contract between your company and me, signed by both parties?
* If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving my information to a 3rd party without my knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition?
* Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me?
Verification is a sworn testimony so you should also be responding in that format. Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible.
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| 06/22/2018 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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I received a letter from ARS signed by XXXX XXXX. This is a collection letter for healthcare services my spouse received. We have 2 insurance companies. The claims were not sent to XXXX first and then to XXXX so they have not been processed correctly, after repeated phone calls to XXXX XXXX of Arizona. I called ARS to first, remove my name from the letter as I am NOT my spouse 's guarantor and should not be receiving his HIPAA protected information. And the man that answered was EXTREMELY rude and said I have to send in his driver 's license to take his name off. And I said, no I do not but in any case the claims haven't been sent to the insurances. He refused to listen to me and said we will just leave it as is then and HUNG UP ON ME!!!! So rude!!
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| 02/20/2018 |
Yes |
- Debt collection
- Medical debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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I contacted account recovery services to pay a medical bill that had gone into collections. When I asked to pay the debt in full, I received a nasty response by XXXX XXXX. Instead of taking the payment and giving me a reference number she was very confrontational and would talk above me. I gave her my debit card information and asked when this modification would be revised on my credit report. She told me it would not change anything. I confronted her about her rudeness only to be told she had something I would never have, " a good credit report. '' This transaction took place on or around XX/XX/17 and have a bank statement as well as a recorded conversation when her behavior became escalative.
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| 06/15/2023 |
No |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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This company was sent a debt validation letter requesting specific documents and all they sent me to validate the debt was an XXXX spreadsheet ( see attached ) with some info on it anyone could have done. This is not validation of a debt and I suspect that this company engages in these less than reputable tactics with other less knowledgeable consumers and takes advantage of them.
They also used a cheap envelope that you could clearly see through that this material was from a debt collector so the mailman and family that got mail knee what it was. Definitely a violation of the fair debt act and a cause for civil action which I am looking into now.
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| 02/04/2017 |
Yes |
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I recived XXXX separate collection agency letters from the same company regarding the same account with XXXX separate balances. I feel this is a thwarted attempt by a company to collect multiple times on the same account for a debt that was written off in which I requested validation of the debt from the original creditor as well as an agreement with my signature binding me to the alleged debt.
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| 05/10/2017 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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ACCOUNT RCVY SERVICE XXXX ACCOUNT RCVY SERVICE Address : XXXX XXXX XXXX XXXX , AZ XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX Collection account. {$1400.00} there is also an amount of {$3500.00} that belongs to another family member who is XXXX and never authorized those XXXX prescribed by a Doctor.
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| 02/04/2017 |
Yes |
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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I sent a letter to Account Recovery Services disputing an account. I had medical insurance that was NOT billed for the charges. In the dispute letter, I asked for validation of the debt by identifying the original creditor as well as an agreement with my signature binding me to a contract. What I recived in return was a list of charges from a service provider.
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| 08/01/2019 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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I have made the attempt to have " ARS '' Account Recovery Services Inc. Validate the alleged debt that they say I owe.
They are in clear violation of the F.C.R.A., and F.D.C.P. title title 1692 -1692p of the United States Code FDCP tile 809 and the 1974 privacy sec 552A.. This is not a refusal to pay but a demand to validate the debt.
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| 11/02/2019 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Account RCVY collection company has several inaccurate and false collection items on credit report. These are not my debts. Never heard of company. Lawyer on my behalf stated I should go thru consumer protection Bureau first to give collection agency one last chance to remove off of credit reports before we proceed.
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| 09/05/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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ACCOUNT RECOVERY SERVICE XXXX {$450.00} I was a victim of fraud and have attached the document from a ID thief case I have never done any business with ARS or XXXX XXXX XXXX. Please delete this account from my credit report. This can be done by submitting a UDF form to all 3 credit bureaus.
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| 02/02/2017 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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Hello, XXXX continues to attempt to collect on a debt that is not valid. I have requested proof of debt and they have not provided such. They continue to report the erroneous information to XXXX in violation of the FCRA and show that prior disputes were resolved, which they were not.
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| 03/31/2018 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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ACCOUNT RCVY SERVICE has a medical collection on my credit report that was paid in full long ago. I am asking that this company cease and desist and clear my credit report within 3 business days. It is listed as XXXX
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| 01/10/2024 |
No |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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| 10/07/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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| 06/22/2019 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
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| 06/27/2018 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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| 04/25/2018 |
Yes |
- Debt collection
- Medical debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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| 11/27/2017 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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| 06/27/2017 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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| 06/11/2017 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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| 10/09/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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| 03/16/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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| 02/27/2016 |
Yes |
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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| 05/11/2015 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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| 04/11/2014 |
Yes |
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- Communication tactics
- Used obscene/profane/abusive language
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Web |
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| 03/20/2014 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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| 03/12/2014 |
Yes |
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
Servicemember |
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| 02/04/2014 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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