AR Resources, Inc. (FL) CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
03/17/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NC 28379	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Contact- ( XXXX ) XXXX XXXX - 15 U.S.C. 1681a ) Restriction on sharing of medical information. Section 807 ( 11 ) FDCPA mini-Miranda. In an initial communication with a consumer, the collector has to disclose that he or she is attempting to collect a debt and that any information obtained will be used for that purpose. Later communications also have to disclose that theyre coming from debt collectors. FTC penalty {$1000.00} XXXX ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( XXXX ) ( B ) ( I ). Furnishing negative deragatory information. ( In my case false medical information. ) XXXX. Notice ; Knowledge. ( FCRA Penalty {$2500.00} ) Primary tabs ( a ) Subject to subsection ( f ), a person has " notice '' of a fact if the person : ( 1 ) has actual knowledge of it ; ( 2 ) has received a notice or notification of it; or ( XXXX ) from all the facts and circumstances known to the person at the time in question, has reason to know that it exists. Stat. 1-54 ( NC Defamation- Libel ) AR RESOURCES INC held liable for defamation and in the state of NC a creditor is who collects their on debt is considered a debt collector under FDCPA. Company failed to provide receipt of certified communication. I WAS covered by insurance. The hospital did not charge the insurance agency and instead charged me directly. I had no idea about this debt until it appeared on my credit report. The company AR Resources , Inc., NEVER contacted me notifying me of the debt. They also reported the date of first Delinquency is the day I was RECEIVING TREATMENT inside the hospital not 30 days late. I was never contacted by this company before I requested validation. I recently created an account with XXXX. Upon account creation I noticed a collection account ( XXXX ) to the tune of {$1700.00} was on my credit report for medical collections. AR Resources XXXX Inc ( FL ) is the agency reporting this information. Once I received the information behind the collection on the XXXX portal ; I began communications with the collection agency via a Debt Validation letter. The letter was mailed certified XX/XX/XXXX. I have received a response from the company XX/XX/XXXX. The contents of their database disclose Reason for service. Not only is that my PHI but the " XXXX '' is a complete lie. I was only at the hospital for XXXX XXXX. I was processed in and back out within the time period of 2 hours. After reading further into their findings they included a document from the Hospital ( XXXX XXXX of XXXX ). I never signed this document, received a copy from the hospital, nor signing this document. I was no incapacitated and was in a conscious state of mind. This document is signed via " Verbal Consent '' " Self '' and initialed " Verbal '' " Verbal. '' Not only was I not aware of this document but it also discloses my personal health information. I DID NOT SIGN/ AUTHORIZE this document. This is a clear violation and my personal health information was included along with extremely erroneous and false information. HIPPA Violation. Seeking possible litigation/claims. FTC Report - XXXX XXXX XXXX VIOLATION REPORT- XXXX
04/16/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 07006	Web
My wife went for a routine XXXX exam at XXXX XXXX XXXX XXXX, like she does every year, which is covered by my employer-sponsored insurance policy through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of New Jersey. XXXX XXXX XXXX XXXX used my wife 's drivers license and insurance card to verify her insurance coverage, as they do every year. About three months later, we received a collections notice in the mail from Ar Resources Inc., stating that we owed {$130.00} for the XXXX exam. We never received any actual medical bill for this service - only a collections notice, which had already harmed our credit rating! My wife immediately called XXXX XXXX XXXX XXXX and spoke to 6 different employees there, including a manager who informed us that this was a billing error on their part and that they had incorrectly transcribed her XXXX XXXX account number. The manager 's name was XXXX, and she said she was sorry that this happened and that she would ensure that the bill was resubmitted to XXXX XXXX with the correct information this time and that she would also call the collections agency to halt the collection and prevent it from harming our credit record. Based on this conversation, at this point, my wife believed the issue was resolved. However, six months later, a negative credit notification showed up on our XXXX / XXXX credit report. There was minimal information available on the XXXX report. We conducted a XXXX search and contacted the collections agency, leaving multiple messages. We got through one time to someone and disputed the matter, as the debt collection was in error and improper. We additionally contacted XXXX XXXX XXXX XXXX yet again, who stated that the matter had been resolved by our insurance company and paid long ago. However, the debt collection has still never been cancelled and continues to show up multiple times on our credit report. Now, we have suffered a legal harm from both the Ar Resources Inc. and XXXX XXXX XXXX XXXX failing to remove this fraudulent collections activity on our report. We have always had an excellent credit rating. Her credit rating has now dropped 100 points due to this fraudulent collections activity, and mine has dropped from a XXXX to a XXXX score. This is currently preventing us from being able to refinance our home for a much lower 30 year fixed mortgage rate. We demand that XXXX XXXX XXXX XXXXXXXX and Ar Resources Inc. immediately remove this fraudulent collections activity from our credit reports, and we request that the FTC either investigate both companies for illegal billing and consumer fraud activities or refer such investigations to the appropriate governmental department or local authorities.
08/16/2023	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	NC 28306	Web	Servicemember
AR Resources XXXX XXXX XXXX XXXX # XXXX - XXXX XXXX FL XXXX Dear AR Resources, I hope this letter finds you well. I am writing to inform you of multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) by your agency regarding the abusive & excessive text messages I have received, See attached. On XXXX XXXX, XXXX XXXX, XX/XX/2023, I received a total of XXXX unsolicited text messages from your agency in an attempt to collect a debt.. These actions clearly violate the FDCPA, specifically Section 1692d, which prohibits debt collectors from engaging in conduct that is harassing, oppressive, or abusive. I am demanding {$3000.00} payable within 7 days for excessive and unjustified demands, which violates Section 1692f of the FDCPA, prohibiting debt collectors from using unfair or unconscionable means to collect or attempt to collect a debt. I am formally demanding that your agency immediately cease all communication with me through text messages. All future correspondence related to the debt must be conducted through written communication via mail, as per my rights under the FDCPA. Furthermore, I demand that your agency take immediate action to rectify this situation and address the FDCPA violations that have occurred. Specifically, I request the following : Cease all communication with me through text messages, as per my preference. All future communication should be conducted in writing and delivered through traditional mail. Refrain from making excessive demands causing stress duress and mental anguish via text message, which is in violation of the FDCPA. Provide written confirmation within 10 days of receiving this letter that my request has been acknowledged, and all text message communications have ceased. Please be aware that I am fully aware of my rights under the FDCPA and will not hesitate to take legal action to protect them if necessary. The violations committed by your agency are serious and require immediate attention. I trust that your agency will promptly address this matter, rectify the FDCPA violations, and ensure that such actions do not recur in the future. Failure toto meet the above mentioned demands may result in legal action being taken against your agency. Thank you for your immediate attention to this matter. I expect to receive written confirmation of the actions taken within 7 days of your receipt of this letter. Sincerely, XXXX XXXX XXXX XXXX XXXX
04/01/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33351	Web
XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXXXXXX AR RESOURCES INC XXXXXXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious AR RESOURCES INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/1990 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
05/23/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33837	Web
I was involved in an accident at the end of XXXX 2016. The other driver was found to be at fault. The driver was in a work truck pulling a trailer and rear ended me going around 40-45 mph. I was seen at a local ER within the next 2 weeks and then was seen by XXXX and now an XXXX XXXX. The bills I received originally I sent to my insurance agency to pay, and I was under the impression that these were covered completely. They were not, however, two in particular were applied towards my deductible and an outstanding balance remained. I moved addresses from XXXX area to XXXX area and had my mail forwarded to the new address but did not receive any further contact stating that any balances remained. I did not receive mail, phone calls, or emails despite my phone number and emailing being up to date and current with both agencies. I did not know about the balances until I received bills from collections agencies. AR resources Inc and XXXX XXXX XXXX XXXX. I have attached those bills. I also had a credit report done and these collections have made my credit score drop over XXXX points. If I were to have been contacted by the original billing agencies properly I would have gladly paid the bills to avoid collections and just received the settlement from the insurance at a later date. The debt collectors ASSURED me that if I pay it will immediately come off my credit, but I am concerned that it will only show as paid debt and still be on my credit bringing it down for 7 years. The original billers were XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. I contacted both of these companies and they stated that they mailed me bills, however I did not receive them and they did not make any attempt to call me or email me or I would have gladly paid the bills. Instead, this is now effecting my previously PERFECT credit and literally destroying my finances and making it difficult to get a home loan.
04/26/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	PA 18966	Web
I have received XXXX calls about a debt that I supposedly owe in the amount of just above {$500.00} for an endoscopy center. The first time I was called was in XXXX of XXXX and they refused to tell me who they were and what they called about until I gave them my personal information. After giving them this information and asking what this was about I was rudely hung up on and told " Oh well it 's your credit being ruined. '' I received another call on XXXX/XXXX/XXXX by XXXX asking me to return the call about a letter sent, not stating who was calling or what it was in reference to. I called the number back and spoke with a young lady. Again, I was refused to be told who it was until I gave my address and last XXXX of social. I obliged and was told it was AR Resources calling about a letter sent to collect a debt. I explained that I did not get any letter about a debt and I would pay it up receiving said letter proving I owe. I was told " This is n't a business that sends bill after bill after bill. We need to collect the money before any further action is taken. '' I explained I never got a bill and to send me a bill, I was n't going to give someone money if they ca n't prove to me I owe the money. I was told they already sent it and they would n't send another. They would accept credit and debit cards over the phone at no additional cost. I told them I will not be paying anything until they can prove that I owe anything as I did not get notice of this. She then said " Fine I will send a bill, is that all? '' I said it was you who called me and once I receive a bill I will go about paying it as needed. The people that work here are VERY rude and have no sense of any type of etiquette when speaking to someone over the phone. They attempt to collect debts yet refuse to prove the people actually owe the debts. How is this proper business tactics?
03/15/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 28379	Web
I believe my HIPPA PHI rights have been violated. I DID NOT AUTHORIZE the sale/maufacture/contract of my personal health with this company. I recently created an account with XXXX. Upon account creation I noticed a collection account ( XXXX ) to the tune of {$1700.00} was on my credit report for medical collections. AR Resources , Inc ( FL ) is the agency reporting this information. Once I recieved the information behind the collection on the XXXX portal ; I began communications with the collection agency via a Debt Validation letter. The letter was mailed certified XX/XX/XXXX. I have received a response from the company XX/XX/XXXX. The contents of their database disclose Reason for service. Not only is that my PHI but the " L10 '' is a complete lie. I was only at the hospital for XXXX pains. I was processed in and back out within the time period of 2 hours. After reading further into their findings they included a document from the Hospital ( XXXX XXXX of XXXX ). I never signed this document, received a copy from the hospital, nor signing this document. I was no incapacitated and was in a conscious state of mind. This document is signed via " Verbal Consent '' " Self '' and initialed " Verbal '' " Verbal. '' Not only was I not aware of this document but it also discloses my personal health information. I DID NOT SIGN/ AUTHORIZE this document. This is a clear violation and my personal health information was included along with extremely erroneous and false information. I need help settling this issue. The false medical reason of service is an extreme DEFEMATION OF CHARACTER. I am current awaiting response from HHS and FTC. Seeking litigation immediately. Please review my complaint as soon as possible. Thank you. THIS IS NOT A DUPLICATE COMPLAINT FTC Report - XXXX HHS HIPPA VIOLATION REPORT- XXXX
05/12/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30157	Web	Servicemember
On XXXX XXXX , I contact AR Resources ( Add ress : XXXX XXXX XXXX XXXX , XXXX XXXX , PA XXXX Phone : ( XXXX ) XXXX ) to request documentation regarding XXXX charges they posted to XXXX , XXXX , and XXXX . I did, however, provide the XXXX account numbers appearing my credit report, and the agent stopped me after the XXXX digit and confirmed the account numbers are not real. I responded, then why is AR Resources provided fake account numbers to the credit bureaus, me, and everyone else with access to my credit file, and I was informed that they would not discuss the matter with me unless divulge my full social security number. The rep told me they already have it anyway because that is how they were able to post the accounts to the credit bureaus, and I told him, I do not think it is proper for me discuss anything without ( a ) an explanation in hand on what I am being charged for and why, ( b ) and that I personally aware of how things can be reported with inaccurate socials, DOB, and names. I also informed them that the debt was covered under a Letter of Protection accepted by the original creditor, and I am in constant communication with my attorney who has not informed me that my case is closed, or of his unwillingness to continue representing me. Additionally, health insurance was provided at my initial visit to the actual creditor : XXXX XXXX XXXX and XXXX ( XXXX ). Neither XXXX , or AR Resources attempted to contact me regarding the debt, though my address and phone numbers are in my credit file, and the date of service was actually in XXXX , but they are falsely indicating that the account open date is XXXX / XXXX / XXXX .
01/20/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 34698	Web
My credit score dropped 35 points due to a company that I have never even heard of or received a letter from. If it was from a hospital bill from a XXXX I had at the XXXX XXXX XXXX XXXX who is supposed to be responsible for the bill.So if money is somehow owed, they're supposed to pay it. Other then that, acct # XXXX was taken care of way back in XXXX this year by " XXXX '', the bill lady at the XXXX XXXX, which is why I never received another bill since then. AR Resources comes out of nowhere around XX/XX/XXXX saying that I owe them money??? I am not overdue on anything anywhere. And they made my credit drop 35 points so I'm kinda hot in the head right about now.I would gladly send that XXXX XXXX to the hospital and be their collection agency " from outer space '' the way they did! And who are they. Where are they from. There is no proof that they tried to collect a debt from me which is entirely impossible because I have the " what's coming in the mail today '' by USPS. I feel like I've been robbed in a way and that they are doing something illegal! No bills at all sent from them-which is impossible. The hospital said that the situation was taken care of when I called to ask what is going on. I have a " XXXX XXXX '' because of my financial circumstances meaning basically homeless and I never received a bill! My XXXX score dropped big time! All because of some XXXX XXXX company climbing out from under a rock somewhere out in the middle of the desert under a mound of wild buffalo XXXX! And they can XXXX XXXX XXXX where the XXXX comes out because the hospital said that they took care of it!
05/06/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 34714	Web
I sent this company a dispute with valid proof to verify this amount alleged is entirely incorrect. They completely ignored my dispute of the amount and reported this to the credit bureaus. This is a medical debt due to an accident in which I had auto insurance and medical insurance as a federal employee. I explained to this terrible company that my insurance reduced this bill from {$970.00} to {$450.00} which would mean my auto insurance is only responsible to pay 80 % of that amount. However this physician never corrected the billing and took a check of {$750.00} from my auto insurance which is entirely fraudulent. The provider agreed to accept my federal insurance thus accepting the provided discount for being federally insured. On XX/XX/2020 I requested for the collection agency to provide me Details about XXXX XXXX in/out of network status as it pertains to XXXX XXXX. XXXX XXXX classified themselves as an IN-NETWORK provider as such by contract they agreed to a discounted rate for members of the XXXX XXXX federal plan. I need proof that on the date of service XXXX XXXX was considered out of network thus never agreed to any discounted rate. I have attached proof from my insurance provider showing XXXX XXXX in network status AND the agreed upon discount of the bill. If XXXX XXXX classified themselves as in network they are only entitled to the amount agreed upon with my medical insurance.
02/23/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 33713	Web
I was charged by XXXX XXXX XXXX ( XXXX ) for " Services Performed '' during XXXX separate emergency room visits to XXXX XXXX XXXX Hospital ( XXXX {$990.00} ; XXXX {$240.00} ). I asked several times in writing that they provide a description and some substantiation of these " services performed '' for each billing ... XXXX simply kept sending duplicate copies of their bills. Eventually they turned both billings over to a collection agency -- AR Resources. I 've asked this agency several times to provide a description and substantiation of the " services performed '' as well. They have sent nothing more than a statement of account ( twice ), listing invoices sent by XXXX for the first ER billing only. I still have absolutely no idea what " services '' these people performed during either XXXX of my ER visits that would substantiate these charges ( that are over and above what the hospital ER charged ). AR Resources continues to ignore my requests for substantiation of these debts and has reported both of these billings as " collections accounts '' against me to credit reporting agencies. I 've disputed these claims with XXXX and XXXX ; XXXX has removed them from their report ; however, XXXX states that these claims are compliant with the Fair Credit Reporting Act.
01/18/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 337XX	Web
AR RESOURCES , INC . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX To : The Office of Registered Agent for AR RESOURCES , INC . From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX XXXXXXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. If you lack understanding of this paperwork, forward to your ATTORNEY. By : XXXX XXXX
01/18/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 337XX	Web
AR RESOURCES , INC . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, ND XXXX To : The Office of Registered Agent for AR RESOURCES , INC . From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. If you lack understanding of this paperwork, forward to your ATTORNEY. By : XXXX XXXX
03/21/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NY 11772	Web
i take my credit very serously, always on time and pay bills in full. i am a member of XXXX and recieve monthly updates about my credit. a couple weeks ago i recieved an email from them about a decrease in score due to a debt collection. turned out to be a XXXX dollar medical bill that i never recieved any notification for, neither from the drs office nor the collection agency. i was so upset as im in the process of purchasing a home. i reached out to the drs office, which is in another state ( i went to XXXX school out t of state and relocated afterwards however my mother still lives at the address they had on file and always forwards me any mail she recieves. both the drs office and collection agency were extremely unhelpful. of course i paid the bill, but if it wasn't for my XXXX membership, i would still have no idea. im very upset, as there was clearly some mistake. noone even tried to call me. both the drs office and collection agency admitted to that, which i dont understand.
10/25/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33172	Web
Collection company report me to the credit bureau a medical account for {$1400.00}. The service was in the XXXX on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX send me the bill and I sent my XXXXXXXX XXXX The billed to the wrong place ( XXXX personal told me ) and that why it was not paid ( I did Not ). Same year they send it to collection company ( AR RESOURCES ) and I sent them the same information of my XXXX. Now they report me to the credit bureau because they couldnt collect the money from XXXX. I call AR RESOURCES to have the phone number of the provider, but they said that they do NOT have it. I call different number to contact the provider, but the present company have only information staring XXXX. They have NO information about billing before XX/XX/XXXX. I do NOT understand why after 5 years they want to collect the money. XXXX pay in a course of a year. I have no money and my credit is bad because they they billed to the wrong department.
03/03/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AL 35020	Web
Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
02/16/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 32720	Web	Older American
I have gotten 7 calls from AR Resources looking for a person who is not authorized to use our phone. I have called them three times and they told me they would take our number off their list. I keep getting calls so started to document. I received a call on XX/XX/XXXX at XXXX XXXX. I called them to report it, spoke with XXXX, who told me she removed it from the list at XXXX XXXX on XX/XX/XXXX. At XXXX XXXX on XX/XX/XXXX I received another call. I called back again, speaking to a very rude XXXX, who said she removed my name from the list. I asked to be connected to a supervisor and she connected me to XXXX, who did not pick up. I left a message asking her to contact me. XXXX told me they were a call center. Please stop the calls - 7 times I've been told I was being taken off the list. After 35 years, I'm considering changing my phone number - that is not right. This is harassment. Thank you.
08/31/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 283XX	Web
I called AR Resources XXXX XXXX after as credit dispute had been processed, I spoke to the rep that answered the call, he tried to verify the account using social security number, phone number, name and address but no account could be located. So he directed me to the supervisor which told me to call XXXX and get the account numbers. So on XX/XX/2020 I contacted the supervisor XXXX XXXX at XXXX XXXX XXXX with the 7 digit account number which is XXXX {$390.00} and XXXX {$910.00} she stated no account could be found. I asked to get that in a letter and she stated since there was no account she couldn't send a letter. She told me to just dispute it. I have disputed these accounts several times now even with a paid credit repair company. The last report was XX/XX/2020 And the information was reported to be mines. This has been a on going issue and has stopped my efforts in getting a home.
03/15/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33334	Web
I recieved medical treatment from XXXX XXXX, paid all invoices that were my financial responsibility. Final bill was paid XX/XX/2017 via XXXX Debit Card. One year after payment, AR Resources reported to all credit reporting agencies that I had an open account for collections for the medical bill I already paid. I contacted XXXX XXXX, they told me that my balance was {$0.00}, and that they would contact to AR resources to inform then of payment. I contacted AR resources, they told me could not do anything until XXXX XXXX contacts them. Two weeks later my credit score continues to fall due to an account that I have paid in full a year ago. There is a breakdown in communications between the two parties, and whose fault of them, not mine for not communicating with each other, is affecting me financially.
01/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 283XX	Web
I have not received any confirmation on how the company has validated the alleged account attached in Exhibit A reporting on my Consumer Report, which I refer to in a sworn affidavit testimony I sent to them. Therefore I request that you consider this a final notice to the offices. Past this point, the company is willfully -Defamation my Character - Violation of the Fair Credit Reporting Act - Violation of the Fair Debt Collection Practices Act - Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ). The CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that they are reporting. *** ( copied from the affidavit attached ) ****
08/14/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	AL 366XX	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
03/30/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX XXXXX	Web
The original request for payment from the debt collector was mailed to me on XXXX XXXX. I mailed a request on XXXX XXXX to verify and validate the debt. I received no communication from this company. On XXXX XXXX I sent another letter indicating the I had not received the information in the 30 days allowed by the Texas Debt Act as such the debt was invalid and to stop collecting practices. On XXXX XXXX they placed the debt on my credit report as a unpaid collection. I later found out that they do no have a surety bond allowing them to collect debt or do business in the State of Texas. In fact it was cancelled XX/XX/2015 so any and all business within the State of Texas is being done illegally.
11/14/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 331XX	Web
There are two accounts on my credit report which were medical bills and I never received a statement for the credit agencys name is AR resources. I spoken to the original debtor and was told these were medical bills from 2014 at which time I had insurance and they failed to bill the insurance. XXXX from Florida which the hospital had on file at time of service and the medical group did not. But I received no notice or phone call from either party. At this time they have tarnished my credit and I should not be penalized if they did not do their job in a timely fashion. I would like to have these items removed from the credit bureaus as soon as possible. Thank you.
03/11/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NC 28379	Web
Had a emergency hospital visit XX/XX/2022. I WAS covered by insurance. The hospital did not charge the insurance agency and instead charged me directly. I had no idea about this debt until it appeared on my credit report. The company A R Resources NEVER contacted me notifying me of the debt. They also reported the date of first Delinquency is the day I was RECEIVING TREATMENT inside the hospital not 30 days late. This collection in itself is inconclusive and possibly fraudulent. Please remove this. Seeking possible litigation if not resolved. This is erroneous information which is a defamation of my character.
03/14/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 28348	Web
I wrote a letter to AR Resources about a medical bill requesting a detailed/itemized of the bill they say I owe them {$92.00} in XX/XX/XXXX. In XX/XX/XXXX I sent AR Resources another letter. XX/XX/XXXX, I sent them letter requesting the detailed/itemized bill again. XX/XX/XXXX, I sent AR Resources another letter demanding they prove the debt. Again they sent me an invoice {$92.00}. AR Resources refuses to communicate with me. I want this information removed from my credit report. I have spent months trying to get what they are billing me for. This company is violating the Fair Credit Reporting Act.
03/28/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	ND 586XX	Web
My credit score recently dropped XXXX points from a debt that was sent to collections, of what appears to be a fake agency. We had had two other bills in the past that we ended up just paying from not having enough knowledge of the topic. This time however it is for a debt that we did not have any records of ever having with the medical facility. They also have no bills during that whole calander year of 2020. This bills shows it originated on XX/XX/2020. We have never received information on it and havent received any response. I can not attach any documents since we have never received any
09/16/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	WA 990XX	Web
I called to inquire about this debt that is showing on my credit report that I am not familiar with. The representative was very rude and unprofessional. She would not give me information on how to request that they send me the original documents for the debt and she hung up the phone with me. She attempted to intimidate me the entire time we were on the phone and she was verbally abusive the whole time. This collection needs to be removed from my credit report. They have not provided verification that this debt belongs to me. XX/XX/2022
01/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	PA 19446	Web	Servicemember
The company that 's handling this specific debt, AR Resources, says that I owe money on XXXX different accounts with them. Upon the evaluation of my XXXX credit report, I found out that they 've still continued to list this debt TWICE, and have never corrected the issue. XXXX account was listed since XXXX XXXX, and the other since XXXX XXXX. To date, they 've never come forward to explain themselves and their error in judgement. This may have caused my credit to be rated more poorly, as well as other related issues.
06/30/2021	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	FL 32258	Web
ARS collections purchased a debt without my implicit authorization or my knowledge. They also illegally remanufactured and repackaged said debt under various accounts advertised against me on my credit reports without my consent. Even after execution of cease and desist order they continued to enforce the collection of debt by mailing notifications and releasing my data to credit bureaus. This attempt to collect a debt without a valid court order is illegal.
09/16/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	PA 19120	Web
AR Resources Inc. placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report.Request AR Resources Inc. to remove incorrect information off my credit report. More importantly, AR Resources Inc. are in violation of FACTA section 623 ( A ) ( 7 ).
09/23/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 321XX	Web	Servicemember
It started in XX/XX/XXXX but I have 9 hard inquirys on my credit report that does not belong to me as well as a loan threw XXXX that I wasn't aware of..my credit score has dropped 104 points in a month. Resulting in a balance of XXXX XX/XX/2019 for a balance of {$710.00} through XXXX as well as Are resources in I'm not aware ofI 'm not aware of XX/XX/2019 for a balance of XXXX threw XXXX that I am not aware of
12/04/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 231XX	Web
Collection agency put a bill on my credit report that is not in my name nor am I responsible for. Collection agency is trying to make me accountable for my x-wifes medical bill. The bill is not in my name, nor was I the guarantee on the insurance plan. Collection agency never even sent me a bill so that I could have tried to resolve the issue with them. AR RESOURCES INC XXXX XXXX XXXX XXXX XXXX, PA XXXX
09/05/2016	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	FL 33710	Web
I have tried to contact this company regarding this debt. They have not contacted me by phone, email, or any other means. I want to have an official invoice so I know that this is the correct company to which I owe the money. I want it removed from my credit report since I have received no communication from them and have not been given a fair opportunity to settle this.
03/14/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NC 28348	Web
I have written AR Resources in XX/XX/2021 requesting a copy of the detailed/itemized bill for {$170.00} No response. I wrote AR Resources again in XXXX. No response. I wrote with again in XXXX no response, I wrote them again in XXXX, No response. This company will not respond. This company is violating the Fair Credit Reporting Act.
12/27/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33410	Web
I called this company and the lady that worked there stated we don't care if you owe it or not, I be on your XXXX until you pay it. My ex wife 's new Boyfriend has a ID in my name and is going to Hospital 's trying to get XXXX in my name. I filed a police report and filed a complaint against this collection company and hospital.
06/17/2016	Yes	Debt collection Medical	Communication tactics Called outside of 8am-9pm	VA 22043	Web
The option was n't there, but I was n't communicated with at all that 's my issue. No calls no emails no letters, and k believe it 's really unfair that it just goes to collections. It 's like ruining someone 's life, I want proof of call attempts and letters sent to my house before debt was put on credit score?
09/13/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 32225	Web
My insurance company XXXX XXXX did n't pay the full amount which was a mistake on their part so I was put in collections for remaining balance. Since then XXXX XXXX has paid the full/agreed amount and transunion has taken the collection off but XXXX has not taken collection off.
08/29/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL XXXXX	Web
On XX/XX/2020 Ar Resources put a derogatory mark on my credit reports for {$970.00}. Ar Resources didn't send anything to prove ownership. How can you say that you verified this account when I haven't even heard back from the collection agency?
04/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 330XX	Web
This charge is part of a medical charge that was supposed to be paid by medical insurance I called medical insurance and there is no report of the company claiming. Please take this off my credit
10/27/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NC 28376	Web
AR resources continue to verify a debt that they have yet to validate which is a violation of the FCRA. I ' requesting your assistance is getting this matter resolved fairly and swiftly.
09/21/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	DC 20002	Web
XXXX acceptance- {$8800.00}. XXXX XXXX {$570.00}. Dapartment of commerce- {$1100.00}. AR resource incXXXX {$780.00} and hard inquiries i tryed contacting them no response.
03/22/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 33334	Web
I keep receiving calls from AR Resources about a Medical debt and shows in my credit for {$340.00}. I 'm not aware of this debt and need more information
03/19/2017	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	FL 33165	Web
never notified of the debt, straight to my credit now my credit has gone down and collection debt stays in my credit for 7 years?? thank you
05/03/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 32225	Web
I was covered by the indigent/charity care program at the hospital and have been told by hospital there is a {$0.00} balance
01/13/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32738	Web
TRYING TO COLLECT ON A DEBT I DONT KNOW THEY THEY HAVE ARE USING MY INFO FOR BAD
10/10/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33511	Web
AR RESOURCES INC HAS AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.
04/04/2016	Yes	Debt collection Medical	Taking/threatening an illegal action Attempted to/Collected exempt funds	PA 19154	Web
This is back from 2009 over seven years old. please remove.
12/06/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32822	Web

06/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33625	Web

05/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33625	Web

02/23/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NY 11412	Web

02/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NY 11412	Web

10/15/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32738	Web

03/18/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33034	Web

01/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34741	Web

01/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33733	Web

12/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 32751	Web

09/08/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33743	Web

08/12/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	PA 18914	Web

05/10/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32081	Web

03/27/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33615	Web	Servicemember

11/27/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30268	Web

09/01/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33760	Web

08/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32773	Web

07/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33712	Web

07/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33712	Web

07/22/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33710	Web

06/12/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60087	Postal mail

05/01/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32179	Web

01/07/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 28304	Web

10/08/2018	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NC 28376	Web	Servicemember

09/17/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WA 98499	Web

07/03/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34488	Web

12/11/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33705	Web

10/12/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32218	Web

08/01/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33647	Web

07/17/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28352	Web

07/07/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32218	Web

04/16/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32550	Web	Servicemember

04/08/2017	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	GA 30276	Web

04/04/2017	Yes	Credit reporting	Credit reporting company's investigation No notice of investigation status/result	NC 28376	Web

01/25/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 33702	Web

01/22/2017	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	GA 30213	Web

12/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33157	Web	Servicemember

12/18/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NC 28376	Web

12/13/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	FL 33543	Web

12/07/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 94606	Web

11/15/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	FL 33065	Web

10/25/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NY 10473	Web

07/14/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33461	Web

06/30/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NJ 08083	Web	Servicemember

06/24/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	GA 31792	Web

05/04/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 33647	Web

04/21/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 34758	Web

04/13/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 32216	Web

02/23/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	VA 22124	Postal mail

01/18/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 32046	Web

01/12/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	TX 77070	Web

01/05/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 77070	Web

01/04/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 77093	Web

01/02/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	TX 77070	Web

01/02/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 77070	Web

12/15/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 32222	Web

12/02/2015	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	FL 32092	Web