| 02/22/2023 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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In XXXX of XXXX, XXXX XXXX was injured in an automobile accident in which the other driver was at fault. The insurance company of the other driver was XXXX XXXX Insurance. Although XXXX initially attempted to deny liability, after complains were submitted to the XXXX Department of Insurance and an arbitration was completed, XXXX was forced to accept 100 % liability for all damages, including healthcare costs associated with the accident.
XXXX XXXX was seen as a patient at the XXXX XXXXXXXX XXXX on XX/XX/XXXX. It was made clear to the doctors and staff at the facility that she was seeking medical examination in connection with injuries sustained in the automobile accident and that there were insurance claims pending. The medical staff indicated their understanding and stated that they would submit all billing to the appropriate parties. XXXX XXXX 's health insurance ( XXXX XXXX XXXX ) initially paid and covered the majority of costs associated with examination at this facility. XXXX XXXX paid the required co-pays and other immediately required costs. Any further required payments should have been submitted to the XXXX Insurance company for payment. XXXX and XXXX XXXX have pursued the matter aggressively with XXXX to request that they pay all parties required.
At an unknown time and for unknown reasons, The XXXX XXXX XXXX sold a debt of a currently undetermined amount to an alleged debt collector identifying itself as " AR Solutions. '' The XXXX XXXX XXXX has refused to provide further communications or explanation of this action to either XXXX XXXX or XXXX XXXX. XXXX Insurance company confirmed that they never received any claims information from XXXX XXXX XXXX and it does not appear that the XXXX XXXX XXXX made any efforts to contact any of the involved insurance companies to settle the alleged debt prior to selling the alleged debt to a collection agency.
On XX/XX/XXXX, with no prior warning or explanation, AR Solutions initiated legal action against XXXX XXXX and XXXX XXXX. AR Solutions made no effort to contact either XXXX or XXXX XXXX about the alleged debt prior to initiating this legal action. AR Solutions also did not comply with their legal obligation to serve appropriate summons and complaint documentation to the defendants. Upon learning of the lawsuit as the result of a third party communication, XXXX XXXX attempted to contact AR Solutions to request documentation of the debt that was being alleged in their lawsuit. AR Solutions violated the Fair Debt Collections Practices Act by responding to XXXX XXXX 's request in a highly belligerent manner and supplying incomplete documentation that does not fully state the amount that AR Solutions is seeking.
At this time we are asking the CFPB to open an investigation into this incident to determine if either XXXX XXXX XXXX or " AR Solutions '' have violated any state or federal laws regarding this matter. We believe that the XXXX XXXXXXXX center did not act in good faith or make a sincere effort to settle the debt with XXXX XXXX Insurance, who is the party legally liable for all debts associated with this matter. We furthermore believe that AR Solutions has engaged in several violations of the Fair Debt Collections Practices Act, firstly by failing to contact us to notify us that they acquired the debt from the medical provider, secondly by failing to make a good faith effort to collect the debt before resorting to legal action and thirdly by initiating legal action without delivering a summons. Additionally, " AR Solutions '' can not clearly state the amount of the debt, as the one page document they have produced as evidence includes " fees '' that are not allowed by law and additional " costs '' that were only represented by question marks that someone hand wrote on the page. We were never given any fair opportunity by either the XXXX XXXX XXXX or " AR Solutions '' to either pay the debt, dispute the debt or forward the debt to the legally liable party, XXXX XXXX Insurance. It does not appear that either XXXX XXXX XXXX or " AR Solutions '' made any effort to contact us or XXXX to resolve the debt before leaping into a legal action. We believe this constitutes an abusive and illegal debt collection practice known as " XXXX Service '' in which the debt collector files a lawsuit without notifying the defendant in the hopes of getting a default judgement.
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| 08/24/2019 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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AR Solutions sent written communication to us about a medical bill from XXXX XXXX that had already been paid months ago. The written communication threatened to damage our credit if we did not pay within 30 days from their statement date. This only provided us a small amount of time to react. We called AR Solutions immediately to resolve the matter, and we were told that AR Solutions had gone through our account already individually and determined that we owed the money ( which we had paid months ago and had a receipt from XXXX XXXX showing our account was paid in full ). After our first call with AR Solutions we called XXXX XXXX and verified that our account was in fact paid in full and we had a {$0.00} balance.
We then provided a receipt of full payment of the exact bill from XXXX XXXX that AR Solutions was attempting to collect from us.
It has been over two weeks since providing proof/receipt of full payment to AR Solutions, and we have not received confirmation from AR Solutions that this resolved and that our credit score was not damaged. We have reached out via two phone calls to resolve and ask for written communication back.
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| 02/14/2022 |
Yes |
- 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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I have an account on my credit report from a company named " Accounts Rec Solutions '' which is also know as " AR Solutions ''. They have continued to report an account on my credit report that I have no knowledge of nor have they been able to provide specific information relating to me being the original account owner. They only respond " the account has been verified ''. I have asked for them to provide documentation relating to the verification however they have refused to this point. I have NEVER been to the account they are collecting for. I have asked them to remove the account on a number of occasions and they have refused to do so to this point.
They have been reporting a collection of {$330.00} since XX/XX/2016.
The contact information for the creditor in questions is ; ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
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| 09/08/2015 |
Yes |
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- Improper contact or sharing of info
- Talked to a third party about my debt
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Web |
Servicemember |
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ACCOUNTS REC SOLUTIONSAccount Number : XXXX Opened : XXXX : Paid, Closed.
I called ACCOUNTS REC SOLUTIONS on XXXX 2011 in regards to bill that was sent to them as a collection, on behalf on physician lab. I was unaware about this until I contacted them, and when I did XXXX of their representative informed me that as long as I make some type of payment continuously this will not be sent to the XXXX. Unfortunately, it was sent to them, even after I paid the account in full. I contacted the XXXX and informed them of the situation, and they told me to contact the collection agency and ask them to request the XXXX to have the deliquency removed. The supervisor who I spoke to stated that she will not do that because it will require tremendous amount of work for her to do so, therefore she ca n't do it.
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| 12/21/2015 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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AR Solutions in Nebraska received Judgement against me in XXXX 2015. On XXXX XXXX 2015, the debt was paid in the amount of {$230.00}. ( Paid via the XXXX XXXX Nebraska Courts : XXXX/XXXX/2015 at XXXX Order # XXXX Receipt Number XXXX ) On XXXX, 7 days after the funds had cleared my account, AR Solutions executed a garnishment on my checking account in the amount of {$250.00}.
First the debt has already been paid, there should be no reason to need an additional garnishment. Second they are citing more " court '' fees to execute the garnishment on a debt that has already been paid.
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| 06/12/2017 |
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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ar/solutions keeps doing this to me they take out more than they should.they take out 25 % of my pay.i keep telling the courts and ar solutions attorneys. the courts know that I am head of family and the only can take out 15 % of my pay.i need something done with this.they do n't like me reporting them so the do this to me and my family.thank you XXXX XXXX , ne.this is the ph one number to ar solutions XXXX
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| 04/03/2023 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
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Web |
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| 02/17/2021 |
Yes |
- 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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| 10/10/2019 |
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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Postal mail |
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| 05/04/2017 |
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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Phone |
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| 12/30/2016 |
Yes |
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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| 09/10/2016 |
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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| 11/21/2015 |
No |
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- Communication tactics
- Frequent or repeated calls
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Web |
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| 10/30/2014 |
Yes |
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- Improper contact or sharing of info
- Contacted me after I asked not to
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Web |
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