ARC Management Group, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
02/23/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33334	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files. 1. ARC MANAGEMENT GROUP I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau P.O BOX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX CC : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
04/06/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN 37660	Web
ARC Management Group ( collection agency ) appeared on my credit report in XXXX, 2022 as a collection in the amount of {$1400.00}. I had never received correspondence from this company before and was unaware of what the debt was for. After they validated the debt, per my request, I reached out to them on XX/XX/2022 to find out the full balance so that I could pay the debt. A rep. named XXXX gave me the case number and explained that once the debt was paid in full, they would remove the item from my credit report. She asked me to call back when I was ready to pay and pay by phone. Later in the day, when I was able to get the card to make the payment from, I discovered that having the case number, I found that I was able to go online and pay. I thought paying online would be easier than trying to get back in touch with the rep, as I knew she works on the phone and it may not be easy to reach her again. On the website, there were 4 payment options 1. Pay in Full 2. Make a payment - Customize the amount you would like to pay 3. Installment plans - Set up a payment plan from 11 different options 4. Negotiator - Submit an offer and create your own custom plan I chose the option to pay in full. The Pay in Full option reflected a discount of 25 % and a total of {$1000.00}. I proceeded with the Pay in Full option and paid the account. The discount was automatically applied, no action was taken on my part to apply the discount. Today, XXXX called me angry that I did not call her back to make the payment and advised me that since I paid online and didn't pay by phone to her that the derogatory information would remain on my credit report for 7 years. She also advised me that I still owe them {$360.00} and unless I pay that, the debt is not considered paid. I asked for her supervisor. she transferred me to another rep, who advised me that by paying online, I settled the debt, I did not pay the debt in full. I questioned why the button I clicked on the website said Pay in Full. She said she did not know but that was not the terminology they use in their office. When a customer pays online, choosing the pay in full option and taking the discount, as far as they are concerned, the customer did a settlement. I asked why the website did not inform me that I was settling the debt and notify me that there would be consequences, as in the derogatory information would remain on my credit report. She told me that the credit report would say the debt was settled. I asked again where the terms settlement or settle were stated on the website where I made the payment. She said she did not know, she has never seen the payment dashboard on the website, but as far as she was concerned I didn't pay my debt, I settled it and she would issue a letter stating that and ensure my credit report states I settled my debt, not paid it. She said there are laws that permit them to call the discount a settlement and treat it as such, they have done nothing wrong. I would not give them the {$360.00} because I did not know if what she was telling me was legitimate. A company should not offer a customer a discount to pay in full, refer to the payment method as paying in full, then tell the customer they did not pay in full and threaten them with derogatory credit report information to try and extort more money from them. Had I known I was not truly receiving a discount, I would not have paid because I did not have {$1400.00}. I did have enough to pay after the discount though. That is why I proceeded with the payment. Then I found out I was mislead and my credit is still ruined because they refuse to remove the derogatory remark. They mislead me into making that payment by telling me on the website it was a discount. Then, on the phone the next day, they denied it was a discount and told me I settled my debt. I never agreed to any kind of a settlement agreement with this company.
02/24/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 79407	Web
I have a debt with XXXX XXXX XXXX ( XXXX ) I have been paying on my debt monthly via online payment and have not defaulted. I received a debt collection letter from ARC management group ( XXXX ) stating I 'd defaulted and {$330.00} had been sent to collections. I called XXXX XXXX last week I believe XXXX or XXXX to inquire why they 're submitted a debt to collections. I spoke with XXXX at extention # XXXX. I waited on hold for some time while she investigated the issue. She stated that it was found to be an system error. I have XXXX account number with XXXX different dates of service, each date as an amount due, when I submit my payment online which is an option they provide as a way to make a payment. When doing so their system has not been distributing my payment to all XXXX dates of service. So XXXX of the amounts has been sent to collections by mistake. She told me that it should n't have gone to a collection agency because Ive been making a regular payment, she says the issue has been sent to a supervisor or manager to be investigated. I express my concern that this may damage my credit and ask how long till it resolved, she tells me to call back on Monday and that I may call the collection agency to let them know the issue and dispute the collection. I call ARC and speak to a woman named XXXX XXXX, I try to explain the reason, I 'm calling, she is very dismissive and states that she does n't know why XXXX would even suggest I call them. That this is a issue they need to address. I ask her if I can disputed the debt, She states she does n't know, " I do n't know if you can dispute it '' I state I dont want it to go on my credit, she says it may go on your credit today..tomorrow ... anytime. She was incredibly rude and could care less about my concerns. I hung up with her to calll XXXX XXXX back I spoke with another woman who stated the same thing as XXXX and said I should call back and I 've continued to call back, I 've spoke to various people all not offering any solutions at XXXX XXXX. XXXX woman I believe her name was XXXX stated she spoke or left a message with the account manager ( XXXX ext : XXXX ) and transferred me to her voicemail, I left a message, explaining my call with my phone number and have heard nothing back. XXXX informed me that it was policy that once a debt was sent to collection they could not call the collection agency and cancel it even if it was invalid. So in the meantime while they investigate their mistake this debt may post to my credit and there is nothing they could do, even though the error is theirs and not mine. I called ARC again, and spoke with a man. I explained my problem, he seemed to be a little more helpful. I asked to dispute the debt. He stated he could give me a discount instead and that would be the better solution because it 's not going to " go away '' and he could discount by debt from {$330.00} to {$280.00} I explained that due to my last communication with XXXX XXXX, that I questioned their conduct/ethics and before I could continue I was disconnected. My complaint is with both companies, XXXX XXXX XXXX, for submitting a debt to collections even though I 've been making my payments and admitting it was their mistake and taking no action to correct the problem in a timely manner nor informing me with a notice prior to submitting the debt to collections. And ARC Management group for their unprofessionalism, failure to allow me to dispute the debt or provide me with the steps to do so, using scare tactics when I expressed my concern of the debt posting to my credit and XXXX XXXX stating it could post today or tomorrow, also offering a " discount '' to coerce me into just paying the debt as oppose to disputing it, and the sudden disconnection during my conversation with ARC staff.
08/10/2020	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 95240	Web
I owed about {$1000.00} to a credit card company. The discharged this debt to ARC ( I can not remember their actual name. Just the acronym. Whenever i question them about who they are, they refuse to give me information about their company, won't tell me their full company name, contact information, or anything like that ). Their website is here : https : //www.arccollects.com/ I would give you names, but it seems like they are using fake names, because when I have called back to speak to the last person, even if 30 seconds later, they are always " at lunch '' or something. They called me a few months ago, were extremely rude, and refused to tell me who they are or what they wanted. I told them not to call me, and to send me written correspondence if they really wanted to talk to me, and that my current address has been the same since before I owed the money to the credit card company. They never sent anything. Last week they called my XXXX year old grandmother, lied to her saying that I gave them her number if they need to get in contact with me, which is not true. My phone number has not changed in almost 10 years, so they could have called me directly, but didn't, instead calling my grandmother as a scare tactic. I subsequently called them back and the gentleman I spoke to the first time picked up, played the same game of not telling me who they were, and of course, the person that spoke with my grandmother was not there, so they transferred me to someone else. I told this lady that there was not excuse for them to contact my grandmother in an attempt to get me to pay, that I am out of work, and can not pay now. She continued to tell me " that's how collection works '' ... I told her that harassment is against the FDCPA, she basically just said the same thing until I told her to not contact me or my grandmother or anyone in my family again. That was last week ( XX/XX/2020, from XXXX ). They also use numbers from MY area code to get me to pick up. They are from Georgia if I am not mistaken, and have no offices out here. This morning, I received a call from a XXXX area code, and when I picked up, they hung up. I called back, and sure as heck, it was the same guy that I spoke to the 2 times earlier. I asked if they were ARC, and he ignored the question, asking me for MY information. This company has already violated multiple aspects of the FDCPA, ignored my requests for a cease of further contact, and have tried to harass me multiple ways, so far the worst of which, is calling my grandmother and lying to her. I will do whatever I have to do, even if I have to sue them, for them to realize what they are doing is not cool and illegal.
12/15/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30281	Web
ARC has knowingly furnished false credit information to the credit reporting agencies as a means of collecting on this extension of credit through unlawful extortionate means. I have reasonable cause to believe that ARC had prior knowledge that punishing a consumer for the nonpayment of an extension of credit by engaging in unlawful extortionate means was a violation of the RICO act. ARC has not attempted to lawfully validate this alleged debt prior to furnishing this false tradeline to nonaffiliated third parties. I did not and I do not consent to the furnishing of this false tradeline to any credit reporting agencies. ARC is to provide documentary evidence such as the books of accounts or any evidence as described under 15 USC 44 that this in fact a legitimate debt. A statement does not prove anything. If your enterprise sends me a statement, I will take that as your complete disregard for the law and my financial reputation and move to file suit for the intentional infliction of emotional distress I received on behalf of these unlawful extortionate means. If ARC can prove this extension of credit is in fact a " debt '' as they claim, I would like to know what legislative branch granted your enterprise the right to collect debt in the United States. If your enterprise does not have prior approval from any legislative branch of government in the United States, your company is knowingly in violation of the false claims act. If this account turns out to be an extension of credit, ARC is knowingly engaging in racketeering activity to fund its criminal enterprise. Ignorance of the law is no excuse to violate it. As your enterprise should know that punishing a consumer for the nonpayment of an extension of credit by furnishing false information to third parties in order to jeopardize the financial reputation of the consumer with other financial institutions constitutes aggravated identity theft 18 USC 1028A and a violation of the RICO act 18 USC 894. Although your enterprise may have " lawfully purchased this debt '', you are not exempt from any legal consequences that your actions have caused. In accordance with the FDCPA, you should also be aware that your company is equally, if not more, at fault for engaging in these unlawful extortionate means as there is no innocent purchaser for value. This is a demand to cease and desist all illegal collection activity and remove this fraudulently furnished tradeline from my credit report immediately or I will follow up with a complaint with the FTC and my state 's attorney general along with moving to file suit in federal court.
11/27/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32905	Web
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPT. TODAYS DATE : XX/XX/XXXX ARC Management Group {$2200.00} 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 ARC Management Group {$2200.00} 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 Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
07/01/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	AZ 85142	Web
1. XX/XX/XXXX I certified mailed and filed a 13-page written dispute with the medical facility, XXXX XXXX on behalf of XXXX XXXXXXXX XXXX XXXX and the most recent debt collector, XXXX. 2. This written dispute is detailed in bullet points, including dates, names, and conversations with, XXXX, XXXX XXXX XXXX XXXX XXXX, Health Insurance XXXX XXXX XXXX, XXXX by XXXX XXXXXXXX, XXXX, the first collections agency, XXXX XXXXXXXX, and XXXX, the second collections agency, XXXX, between the date of medical service on XX/XX/XXXX and date of dispute mailing on XX/XX/XXXX. 3. Communication with XXXX XXXX XXXX XXXX XXXX XXXX despite three separate phone conversations with three agents and each agent agreeing that the original bill had been processed with insurance incorrectly ( as deductible plan and not as the correct co-pay plan ), as well as committing to reprocess the claim, no resolution is reached. 4. Communication with XXXX XXXXXXXX, despite two conversations with two different agents confirming that XXXX XXXX billing department did not reprocess correctly and then did not reprocess at all. 5. Communication with XXXX, despite a minimum of several conversations with at least seven different agents, all who confirmed that the claim had to be reprocessed and that XXXX XXXX continually failed to do so, therefore reactivating the continued collection communication, it was ultimately stated that by Agent XXXX on XX/XX/XXXX, " This can not be correct, never processed under correct plan. '' 6. Communication with XXXX XXXX XXXX XXXX XXXX by XXXX XXXX and XXXX XXXX XXXX XXXX despite my continued outreach and efforts to coordinate the correct processing of this claim and the mailing of the official dispute, no communication was received until the re-emergence of the collection efforts by the third collections agency ARC Management Group . 7. As stated on the written dispute, the horrendous amount of time, effort and financial loos on my part in attempting to explain, support and request correct insurance processing- which, to date, has not been made whole, has caused me and my person extreme duress and hardship. Receiving this new onslaught of collection notices and threats has only continued now three years of harassment by XXXX XXXX XXXX and XXXX XXXX.
06/14/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32127	Web
On XX/XX/XXXX I was notified by XXXX that a collections account had been placed on my report. The collections company was listed as ARC Management Group LLC and the creditor information was listed as XXXX purchased business ( see attached ). It states that this is a medical creditor but does not include any contact details regarding the creditor. I immediately disputed this information with XXXX as I had NEVER received ANY communication from ARC Management Group and am unaware of any outstanding medical bills. XXXX responded to my dispute by stating that the information was 'verified as accurate and updated ( see attached ). I called XXXX to request a copy of the information that was submitted to them as proof to verify the debt as accurate and the operator was unable to offer any information other than letting me know I should contact ARC Management Group directly at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( see notes from XXXX ) XXXX I sent a certified letter to ARC on XX/XX/XXXX requesting verification of the debt. I also tried calling them at the number given to me by XXXX and was not able to speak with a live operator. The letter requesting additional information ( copy attached ) was delivered to the front desk receptionist and signed for at XXXX on XX/XX/XXXX ( see attached delivery confirmation ). As of today 's date ( XX/XX/XXXX ) I have yet to receive ANY response to my letter or communication. However, on XX/XX/XXXX, I received the original letter back in the mail marked 'Return to Sender ' ( see attached photo ). So, after having the letter in their possession for over a month, they not only failed to contact me regarding my request for debt validation, they decided to reseal the letter and return it to me as if it had never been in their possession. This company is very obviously not afraid to lie and commit fraud. ARC Management Group LLC never sent me a notice of debt prior to reporting to the credit bureau and has falsely returned my letter as if they never received it rather than send me the proper notice of debt and documentation regarding the validity of this collections account on my credit agency report ( XXXX ).
08/07/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33029	Web
In XXXX, 2015 I entered a written dispute with ARC MANAGEMENT GROUP reference account number XXXX as contained on my consumer credit profile at XXXX, XXXX and XXXX XXXX. Specifically alleged, ARC MANAGEMENT GROUP was attempting to collect a debt for which I had no knowledge and alleged was potentially opened by an unknown third party. Moreover, said account was appearing XXXX on my consumer credit profile notwithstanding the allegation of a single debt owed. ARC MANAGEMENT GROUP failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with ARC MANAGEMENT GROUP an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. ARC MANAGEMENT GROUP failed to report said debt as disputed and failed to conduct an investigation into my allegations of potential fraud. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. A review of records compiled by the state XXXX XXXX XXXX XXXX in Florida indicates that ARC MANAGEMENT GROUP is not currently licensed to conduct business pursuant to section XXXX, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX, XXXX and XXXX XXXX is an unfair and deceptive trade practice. Several phone calls to ARC MANAGEMENT GROUP have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of potential fraud. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my XXXX, XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of potential fraud. A full and complete deletion of offending ARC MANAGEMENT GROUP collection account from my credit report at the XXXX, XXXX and XXXX XXXX consumer reporting agencies.
09/19/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL XXXXX	Web
On XX/XX/XXXX at XXXX XXXX, I received a call from XXXX on a cell phone which has been registered on the national do not call registry since XXXX. I have seen previous calls form this number and refrained from answering them as I believed them to be spam calls given the caller ID name appeared to be XXXX XXXX XXXX or XXXX XXXX XXXX and I have never been to a XXXX XXXX in my life and do not believe there is a hospital with this name anywhere near where I live, work, or visit. Upon answering, the call immediately played hold music, suggesting that a robodialer was used to call me. The call then transferred to " XXXX. '' She correctly identified my first and last name. She asked me to verify my date of birth and/or address. I advised her that I do not provide such information to unsolicited callers. She said something immediately after this about when I am " ready to provide '' the requested info and then immediately disconnected the line before I was able to get another word out. I called back and spoke with " XXXX '' ( spelling? ) who transferred me to " XXXX. '' I advised her I did not wish to be contacted by phone again. She responded that the number would be removed and additionally stated they've mailed me several times. To date, I have never received a single letter from these folks. I refuse to provide my date or birth and/or written address to an entity that will not identify who is allegedly owed, what amount is allegedly owed, and for which good and/or service it is owed. Based upon the name, this company appears to collect medical debt and, to my knowledge, I have no unpaid medical bills for any provider or facility.
04/01/2016	No	Debt collection Medical	False statements or representation Attempted to collect wrong amount	TX 78852	Web	Servicemember
XXXX/XXXX/2015 took my daughter to XXXX XXXX XXXX ER. She was seen and discharged. A year later, when trying to refinance my house, I see a collection account from ARC Management Group ( biller for XXXX XXXX ). I called to find out which account the collection was regarding. I was told that my daughter was not covered under my insurance at the time of the ER visit, so I was deemed a " self-pay '' ( meaning I had no insurance ). I assured them I did have insurance and my daughter has had insurance since the day she was born. The hospital submitted and got paid for that claim ( I have documentation to prove payment ), so that further proves my daughter was insured. I call my insurance to verify that there had been no lapse in coverage and they confirm ( I have documentation to prove coverage ). I called ARC back and am told they tried on several occasions to call my insurance company to verify coverage. My insurance company keeps track of any attempts to verify insurance and had no calls from ARC or XXXX XXXX. I have tried numerous times to explain that this was not my fault and that they should have submitted the claim to my insurance. The time to submit a claim has expired since it is over a year. The credit bureaus are not helping me get this removed from my reports. ARC Management group placed me in collections 2 days after the ER visit. They say they attempted to send me notices which I never received. I do n't know where else to turn. Thanks.
07/20/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MI 498XX	Web
On XX/XX/XXXX I was seen at the XXXX emergency department. On XX/XX/XXXX I received 100 % patient financial services through this hospital. The patient financial services covered all dates of services through XXXX. A debt was sent to collections for this DOS. When I contacted XXXX they were unaware of this debt. Upon further investigation, it was found that the ER physician was contracted through XXXX and sent the bill out. When I contacted the ER physicians company and informed them of the patient financial service they told me they were unable to help as they had already sold the debt. ( I received no bill from this provider ). The bill would have been 100 % covered under the patient financial services. I was contacted by XXXX law. I submitted proof of this on XX/XX/XXXX, they did not follow up on this matter. I contacted them again today, to which they told me they need more proof of coverage. Furthermore, an additional debt collection agency has ( ARC MANAGEMENT ) submitted this same debt to the credit bureau, with zero correspondence to me. I contacted ARC and have yet to receive a response. I contacted XXXX XXXX and they were unaware of who ARC management was. At this point I believe my debt was sold to multiple debt collectors whom are all trying to receive the XXXX $ from me. This has negatively affected my credit score. Please help.
07/08/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 24017	Web
on XX/XX/21 XXXX from ARC debt collection called me regarding unpaid hospital bills. Told me the total balance is {$1900.00}. She asked if i could pay it today. I told her that i needed a payment arrangement. She asked if i could pay today. I said no. She then told me that if I didnt make a payment today then it could effect my credit negatively. I then asked to speak to the supervisor. I waited on hold for 10 minutes. XXXX XXXX came on the phone. I told him when i asked what the rep meant by effecting me negatively. She said just like i said. He then said it would effect me negatively as well. When i asked him how it would if i didnt make a payment today then he said well it could if you dont make a payment by the end of XXXX. He wouldnt let me speak and continued to talk over me. then he proceeded to tell me that i have 6 accounts in their offices but would tell me verbally which ones, dates and how much. just said i will send in the mail. when i asked who is superior was he refused and said i cant talk to him. i advised i didnt ask to. i just asked who it was and he said XXXX XXXX is the owner. The treatment i received was very unprofessional and threatening. I have no problem with setting up payment plan but to be talked to in this type of manner is not in any way professional
02/14/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AZ XXXXX	Web
In XXXXXXXX of XXXX I had a baby. Over the course of multiple visits with my doctor, I proactively paid for my hospital bill in full. More than a year after giving birth, I began to receive collection calls regarding my hospital bills. I asked for an explanation but received none. I was told I needed to contact the medical center directly to be able to release that info. I did so. Multiple times. Left messages. Asked for a bill. My husband did the same. No response. We are now 3 years and 4 vendors into getting collection calls and letters for a debt of {$1600.00}. I have disputed the debt each time the account has been sent to a new collection agency. After requesting my validation of debt, 2 of the 4 agencies provided an email to request a copy of the itemized statement or billing form. I first did so within the allotted time frame on XX/XX/XXXX. I received the exact same form today stating I need to fill out the exact same request when I received nothing from them from the request on XX/XX/XXXX or any of the other times I have requested documentation. At this point, there have been so many violations of my rights under the FDCPA, the service provider is lucky I haven't hired an attorney to pursue damages regarding their reckless effort to collect this alleged debt.
12/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 324XX	Web
I did not sign a contract with this company and I have no signature or binding contract with this company ARC Management Group , LLC. Therefore I want them to delete account from my credit report! Asap! Or I will take legal action. They bought an account and are trying to charge me for something I do not owe there. Please provide information where I signed a binding contract with ARC Management Group , LLC and also show point of contact. Please delete from my credit report asap! Thank you As of XX/XX/2021, an amendment to Regulation F, which implements the FDCPA, says that a debt collector can't report a debt to the three major credit reporting agencies, XXXX, XXXX, and XXXX, before first contacting the consumer. The debt collector must : speak to the consumer in person or by phone or mail a letter or send an electronic message, like an email, about the debt to the consumer and then wait a " reasonable period of time '' ( at least 14 consecutive days ) to see if a notice of undeliverability comes back. If the collector gets a notice that the letter or message was undeliverable, the collector can't report the debt to the credit reporting agencies unless it achieves communication as detailed above. ( 12 C.F.R. 1006.30 ( a ) ( 1 ) and Official Interpretation of 30 ( a ) ( 1 ) ).
02/10/2019	No	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MS 390XX	Web
Per the FCRA Section 609, all furnishers must validate debt. Per the FDCPA, all collections must verify debt and provide an initial written communication with information about the debt. I have never received an initial communication in writing that is required by federal law. Because of their lack of following proper procedures, I was unaware of the debt they claim I owe and was never given the opportunity to exercise my right to dispute the debt within 30 of the initial notice. ARC Management Group began reporting this debt without my knowledge and without verifying the debt. I do not believe that the debt belongs to me. I would like for them to properly verify the debt by providing the original consumer contract with my signature on it. Without that, there is a strong possibility that ARC Management Group has mistaken my identity for someone elses. And by their lack of following the federal law to send notification about the debt, I assume that ARC Management Group knows that they can not verify the debt and are illegally furnishing information to my credit files. I would like to exercise my rights and demand to have the debt validated and verified or immediately deleted from all credit reporting agencies.
11/29/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	WA 99212	Web
Recived a phone call from ARC Management group about a medical debt, during intitial communication with there representative on XXXX it was stated that my medical insurance had declined the original claim and it had been given to them to collect. I informed them it was a mistake and I would contact my insurance agency XXXX to fix the problem. To which they requested a call back after. Contacted my insurance got it resolved and they said the claim would be fixed. Upon calling ARC Management group back I was handled by a separate representative who when I attempted to explain my coverage was good and the debt would be paid. I was told No that it was a deductible and it must be paid today or it would impact my credit. I responded with no it was miss filled and I had already paid my copay for services that as soon as my insurance handled the claim they would be paid. To which I was told that it was amazing that I hadnt already been reported to the credit bureau and if I didnt get my insurance agency on a conference call or get them a fax with promise of payment that i was required to make a payment myself immediately or my credit would be affected.
06/27/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30096	Web
Today I received an alert from my credit monitoring services and saw that a medical debt for {$81.00} was added to my XXXX report. I have never received any communication from the original creditor XXXX XXXX XXXX nor have I received any communication from the collection agency ARC Management. I have never been a patient at XXXX XXXX XXXX and I do not understand why this was added to my credit report. By law the debt collector was required to submit a initial communication regarding this alleged debt to allow it to be disputed if not valid. This debt is not valid and is not my debt. XXXX has caused an adverse affect on my credit worthiness by adding this alleged debt to my report from a hospital I have never been to or heard of. This alleged debt shows opened in XXXX XXXX. I contacted the XXXX XXXX XXXX and they could not find any information regarding the alleged debt. XXXX should not be allowed to add any alleged debt to a persons consumer reports without proper validation and verification. They are not abiding by the FDCP laws that protect consumers against unlawful collection of consumer debts.
12/06/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 315XX	Web
I was sent a letter from ARC management group XXXX dated XX/XX/22 stating they were contacting to settle. I called and explained I was sent the letter on XX/XX/22 for a settlement, which is about XXXX weeks ago. The XXXX who answered, XXXX, stated that they never sent the letter. I have the letter in hand, and disagreed that they didn't send me a settlement offer. She then stated that was last month 's offer and they wouldn't honor it. I asked if that was some sort of scam, sending out settlement offers and then pretending they didn't exist or were expired. She then stated they were trying to help me, and if I didn't pay it would go on my credit report and then hung up on me. I attempted XXXX more times to work with XXXX, each time she would hang up on me. She stated I was being rude multiple times, however it was more her being rude to me. I was merely stating that they had sent me the letter and I felt that not honoring it was deceptive. She obviously didn't like that. In the end I contacted XXXX XXXX 's hospital and settled the debt with them, because ARC did not seem trustworthy at all.
12/13/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30281	Web
XXXX XXXX : XXXX I reject your offer to contract. I have not given my lawful authority for any nonaffiliated third party to be in possession of my nonpublic personal information. This is a notice to cease and desist all communication resulting from this alleged debt. I am not requesting validation of any alleged debt as obtaining nonpublic personal information without my lawful authority constitutes aggravated identity theft 18 USC 1028A. The balance reflects an extension of credit. The collection of this extension of credit would be a violation of the false claims act. I have reasonable cause to believe that XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX have all conspired to collect on this extension of credit through unlawful extortionate means. If there is any attempt to engage in any further collection activity on this extension of credit such as the furnishing of false credit information to the credit reporting agencies, I will file suit for intentional infliction of emotional distress.
05/14/2016	No	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	LA 70056	Web
I checked a copy of my credit report and realized that there was incorrect information on my reported from your agency, which I was not notified about. I do not agree with the debt. However, this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), that your claim is disputed and a validation is demanded. This is asking for proof regarding the debt.I am requesting you to stop all activities including reporting this information on my credit report. I need you to report to the credit bureaus to delete this inaccurate information. I am sure that you are aware of the fact that non-compliance with this request may end up in legal obligations. I have not received anything on this account with options XXXX XXXX XXXX XXXX XXXX ARC Management Group LLC for the amount of {$4700.00} I have not received anything this is not my account and I have informed them of that but yet the console report to the credit bureau.
03/05/2021	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	NV 89123	Web
Back on XX/XX/2020 I spoke with an XXXX at company. I explained this bill wasnt mine. I feel it was very misleading. I never received a letter from the third party previous to this bill being placed on my bureaus. Per FCPA law youre supposed to receive communication in writing prior to a third party placing a debt on bureaus. I never received any documentation therefore I didnt know what this was for. She advised me that they were taking this off my bureaus also sending out a validation letter. Ive also been adversely effected by covid due to my hours being cut. And my spouse loosing his job. I have XXXX as well as Medicaid. So I had to do some investigation on this amount. Supposedly its from a few years ago when my son went to an emergency room. Its a separate bill from Dr not facility. Again misleading but during that time we didnt have Medicaid. So I called back and made payment for this account. Please remove ASAP. See screenshots
04/29/2020	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	FL XXXXX	Web
This medical collections company started calling my cell attempting to collect on debts from someone else. They confirmed on 2 separate occasions that it was not my debt ( it was for a XXXX bill from an imaging office in XXXX XXXX, FL ). The company also released the name of the debtor to me on one of my conversationswith them. I told them twice to remove my number : on XX/XX/XXXX and XX/XX/XXXX ; but they continue to call me. Last call received on XX/XX/XXXX. Caller ID shows either " Bill collector XXXX hospital '' or " XXXX XXXX XXXX ''. It was also curious that they started calling on the first days the COVID19 stimulus deposits started coming to people. I've never before gotten collections calls on this number since I got it four years ago ... so, it looks some of these collections companies are culling through old lists attempting to coerce or bully people into paying now that they have these stimulus funds.
10/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	FL 33150	Web
I disputed on XX/XX/XXXX to XXXX, XXXX, and XXXX. however it's been more than 30 days and the credit bureaus failed to send my investigation back. this is not making any sense. According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the dispute information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ). before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
09/25/2016	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	LA 70065	Web
On XXXX ARC Management Group LLC reported to XXXX I had XXXX account in collections for {$1900.00} dollars, I have no knowledge of said account and I do not owe ARC Management Group LLC anything. This erroneous collection was placed on my credit report without any prior communication ( verbal or written ) and without validation of debt. I had no prior knowledge of this account and I was never informed of this collection account nor have I ever received any correspondence from ARC Management Group LLC or any other company regarding this account. I never received any information about this account nor was I given the opportunity to acknowledge or dispute the validity of this account. The practices employed by ARC Management Group LLC are a clear violation of the Fair Debt Collections Act. I am requesting that ARC Management Group LLC removes this collection account from each XXXX of my credit reports.
12/29/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 95603	Web	Servicemember
After being sent to a private hospital by the XXXX XXXX for major XXXX XXXX, a small portion {$1400.00} of the {$140000.00} bill has been an issue between the VA and the XXXX. As a XXXX Veteran, I am 100 % covered and not financially responsible. This debt has been passed from another harassing debt collector to yours after the VA has already make effort to clear this up and has spoken to your representative about the issue and was assured I would NOT be harassed over this debt any longer by your company. Then I get another harassing call. Please, I'm dealing with enough mental health and XXXX XXXX XXXX issues as it is. Having a bill collector harassing me has been a real trigger during this holiday. Please STOP. Please? {$1400.00}? Go after the VA, or someone else. I've given enough for our country. I certainly can't afford any more... Please?
01/19/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AZ 85249	Web
I have been receiving ongoing bills from XXXX XXXX XXXX since the beginning of XXXX and most recently I received a notification of collection from ARC Management company. This company also sent me another mail on XXXX XXXX and I sent them a registered mail back with a request to cease and desist. Despite my request they sent me another letter on XX/XX/XXXX. They are currently violating FDCPA regulations See 15 U.S.C 1692 ( c ). I visited this hospital in XXXX of XXXX. They were unable to provide me the treatment and while I was in physical distress charged me {$1000.00} for the visit on the spot without billing my insurance company and are sending me additional bill for {$740.00}. I do not owe them anything and if anything they owe me {$1000.00} they wrongfully charged me. Please let you client know to stop waisting time and resources on this case.
07/30/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MS 389XX	Web
On XX/XX/XXXXI sent a letter to ARC management Group LLC in Georgia to verify a debt that was being reported on my credit report. This item was sent certified mail. The mail was returned to me and the address it was sent to is the one they report on my credit report. By laws the information is being reported is inaccurate sense the certified mail was returned. I have n't received any verification of this debt. I also disputed the item on my credit report through XXXX with the returned mail. This is violation of FCRA and FDCPA and the information ( address ) the company supplied is false. This item should be deleted from my credit file. The address used was XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. As you can see the certified mail was returned. Equifax continues to verify the debt but when I tried to get validation the mail was returned.
09/06/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 759XX	Web
without mailing me notice to let me know I had hostile pills they report me to credit bureau, then after my insure company paying them {$800.00} and I paid {$220.00} ( means I paid off my hostile bill! ), they keep calling me to said they DO NOT receive the insure company 's check, and ask me to pay them another {$800.00}, then a lady in ARC finally figure out they already get the check! BUT this is not the end. I receive a letter from them on XXXX XXXX, it said I still own {$800.00}, I called back ARC, XXXX lady said they do n't receive the insure company 's check! My insurance company told me ARC already cashed the {$800.00} check on XXXX XXXX! I ca n't believe after ARC received all the money but they still deny they get the money and want me to pay XXXX.This is a big mistake their employee made and they want me to suffer that!
09/30/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 754XX	Web
I have requested verification and validation of debt per my right under the FDCPA section 809 a and b yet this company refuses to provide. I also requested them to cease telephone communication yet their auto dialer still calls me several times a day. This debt is not mine and I am demanding proof of this debt. I also disputed this debt yet its not showing as such. This is a violation of the FCRA. I also do not believe this company is bonded to collect in my state. The last four of my ssn are XXXX and my date of birth is XXXX/XXXX/XXXX. Please send proof of this debt to XXXX XXXX XXXX XXXX, TX XXXX. If I must I will seek legal advice to protect my rights. If my rights are violated in anyway I will seek actual and statutory damages against you and your client.
04/28/2019	No	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 77642	Web
I CALLED ARC MANAGEMENT ON XX/XX/2019 TO ASK THEM WHY THEY PUT AN ACCOUNT ON MY CREDIT REPORT THAT WAS TAKEN OFF ON XX/XX/2019. SHE PRECEDED TO TELL ME THAT I HAD 19 CASES COME THROUGH HER OFFICE. I TOLD HER THEY ARE NOT ON MY CREDIT REPORT AND AREN'T RELEVANT TO THIS CONVERSATION. I TOLD HER THAT SHE WAS TALKING TO ME LIKE SHE HAD NO PATIENCE TO HELP ME WITH MY PROBLEM. I ASKED IF THE CALL WAS RECORDED BEFORE THE LADY TOLD ME THEY SOLD THE DEBT BACK TO THE ORIGINAL CREDITOR. I THEN ASKED WELL WHY DID YOUR COMPANY PLACE IT BACK ON MY CREDIT REPORT IF YOU DON'T OWN THE DEBT ANYMORE. I ASKED IF THIS WAS ILLEGAL AND THE LADY SAID IT WASN'T ILLEGAL TO REPLACE A DEBT THAT WAS DISPUTED AND TAKEN OFF THE CREDIT REPORT. I WANT THIS DEBT OFF MY REPORT.
02/14/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	LA 707XX	Web
I never received a bill from the hospital or collection agency. This debt is for a hospital bill for my grandson. He lives with me. His mother has medicaid for his insurance. I brought the child to the hospital for emergency care. Upon checking my credit, I found this unpaid bill. I called the collection agency to give them his medicaid information and dispute the bill. I disputed this bill with XXXX and they have concluded that the bill is mine. Nobody is doing their job. This bill should be paid by medicaid or at least belong to his mother. They have also added his mother 's address to my credit report and I have never lived at this address.
02/07/2019	No	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NC 275XX	Web
A collection agency named ARC Mgmt Group, has just reported two collection accounts on my credit report. One is for {$510.00}, and the other is for {$480.00}. Prior to reporting these accounts on my credit report, I did not receive a notice of my right to dispute. If I had, I would have certainly contested the debts, because I feel they are not owed. I spoke with their reps, and told them it was illegal to report the accounts without first providing me with a 30 days notice to dispute. They told me that they didn't have to. When I cited this statute in the Fair Debt Collection Practices Act, they claimed that it does not apply to them.
04/17/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 24060	Web
I was billed the entire XXXX XXXX XXXX without them running it through my insurance which they had provided to them at the time of service. When they called to collect debt I let them know it had not been billed through my insurance and they said oh we are just hired by the hospital to collect the debt. Then stated we will call you back once everything is rebilled. I never received any other notifications calls or emails or mail until I saw on my credit report it was sent to collections. Name and info of the company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX GA XXXX ( XXXX ) XXXX
12/06/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA 30241	Web
I received my letter XX/XX/2022 from my visit on XX/XX/2022 saying I owe {$330.00}. I have paid off this visit already and just now receiving more bills from that time. I should not owe anymore as I've paid everything off already. It's been almost a year and now trying to force more money out of me. I do not agree with the bills have already paid for this visit and still paid them. But this is out of hand how expensive the visit was when no procedures were done I was not even seen more that 3 minutes. Please dispute this charge for me. I dont understand how you can charge me now a year later.
08/19/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 143XX	Web
I went to the XXXX XXXX at XXXX XXXX XXXX XXXX XX/XX/19 and was in no state of mind to tell the correct info about it being a work related incident. I filled out work related paperwork afterwards, but then workers compensation XXXX XXXX denied the claim as work related. I called XXXX XXXX XXXX XXXX XXXX and they said they will look into it and they denied me twice. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), agreed to pay XXXX out of XXXX in good faith and XXXX XXXX XXXX XXXX XXXX will not pay the XXXX remaining and I am now being put into collections and will affect my credit score. Need help!!!
02/19/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OK 734XX	Web
I started contacting ARC Management Group in late XX/XX/XXXX to request proof of payoff that occurred in XX/XX/XXXX. They verbally stated that the debt has been payed to XXXX, but I have requested written proof 4 times. Each time, they say " we will forward the request to the department who sends out that information, and you should have an email in your account with ( insert varying time frames here ) ''. I have yet to receive a written proof of payoff and the business office will not help me resolve the situation - they will only resend the request to another department.
10/17/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	LA 705XX	Web
Arc management group has reported a paid account to credit reporting companies. I paid the original creditor in XX/XX/2020 and this company has been repeatedly trying to collect per reporting and validating said account to credit reporting agencies. I have sent copies of both insurance reciepts and my personal reciept for my portion for the services rendered, yet this company still is reporting and verifying to all credit bureaus. Please have them cease all collections and remove from all credit reports. I will be adding the reciepts below if allowed also.
06/28/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AL 361XX	Web
XXXX XXXX ,2017 I was alerted by my credit monitoring that I had a Collection account placed on my credit file. This company has never been in contact with me I 've never spoken to or receive anything about this debt, also I am not responsible for this debt I had insurance and if it was mine it would 've automatically been paid. I never gave anyone permission or signed a contract with this company to try n collect anything. There 's no contract and also if they have my medical records or inform ation I know the law and it 's a Hipaa Violation.
10/28/2021	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 33020	Web
On XX/XX/XXXX, XXXXARC Management Group LLC added a derogatory mark on my credit report per Credit Karma. Upon further research, Debtors creditor did NOT verify this collection. Also, there was NO written form of communication, contract or SIGNATURE for this accused debt at all. A billed without a signature does NOT validate the debt. According to the FCRA. ARC Management Group has violated my rights as a consumer and per the HIPAA/PHI law and I am requesting legal action to remove this account immediately from my report.
10/15/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	TX 76148	Web
XXXX XXXX was extremely disrespectful and manipulative toward me when I tried to explain to him very politely that the debt was not owed. XXXX works for ARC Management and had zero regard for me as a human with dignity. He treated me like I was the scum of the earth. I escalated the call to his supervisor who promised to review the call. There is no excuse for yelling at me and interrupting and refusing to listen. More flies with honey than vinegar. Oh, not to mention, the debt was invalid and should n't be collected.
08/14/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 657XX	Web	Servicemember
Arc Management Group filed for collections on an account and or service that was not me or mine in the amount of $XXXX. When I found out about it years ago I called them and the credit reporting agencies to have this false debt removed. The credit reporting agencies refused to remove the erroneous debt basically stating that it was my debt till I could prove that it wasn't. Arc Management agreed to remove the inaccurate posting and it came off 2 of the credit reports but remained on XXXX. I contacted XXXX XXXX
07/27/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33025	Web
I received an alert showing a collection account that I had no knowledge of. I never received a letter or call about any amount owed to this company. I was not given the proper chance or time to pay this account because I did n't received any notice. I have tried to advise that I was not contacted but no one is helping me. I see a collection account for {$34.00}. The proper steps were not taken to insure that I was aware about this account so that I can pay it. Not my credit report took a hit because of this.
01/22/2017	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	OH 44484	Web
I went to XXXX XXXX XXXX in XXXX, Ohio. No tests were performed. I merely met with a doctor and was given a wrap for my leg. I was insured with XXXX XXXX XXXX and this was an in network provider. My insurance paid over {$600.00} to the Hospital. I have repeatedly tried to get an itemized bill from the hospital to no avail. Additionally, the hospital turned an excessive amount due over to a collection agency ( Arc Management ), even though I was only responsible for my co-pay.
12/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 324XX	Web
15 U.S.C 1681 section 602 A. States i have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
08/25/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	TX 759XX	Web
I got phone call from ARC around XX/XX/XXXX and got a mail XX/XX/XXXX, XXXX report me to credit bureau on XXXX XXXX, even before I got notice from them!!! accounting to " Fair Debt Collection Practices Act '' this federal law said '' Debt Collector Must Send Written Notice of a Debt '' and with five days of contacting me, a debt collector must send me a written notice telling me the amount of money I owe and the name of the creditor. But ARC DO NOT do this!
06/07/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NY XXXXX	Web
Medical debt from a car accident was paid by Insurance company but not recorded properly. Was then transferred to a debt collection agency ( ARC Management Group , LLC ) who was contacted by the insurance company at that time. Almost a year later a credit account with XXXX was opened in my name for the amount of this bill and is reflected on my credit report. How can they use my SSN from my medical records to open an account in my name?
03/17/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NV 89032	Web
Sent a request to validate debt to Arc Management group on XX/XX/2021. Tracking shows they received my request XX/XX/2021. Did receive response from Arc Management until XX/XX/2021, and the letter they sent me contained nothing but them saying " they are not required to keep detailed files of the alleged debt '' this provides no proof of debt and proves nothing of the alleged debt. I would like this removed from my credit report ASAP.
10/01/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33130	Web
ARC Management Group called my cellphone number on XXXX XXXX of XXXX to collect a XXXX XXXX XXXX debt I wasnt aware of. I spoke with them on friday about the debt and before we could agree on any type of payment arregement, they told me it was already reported to my credit which I was so confused about since I wasnt aware of this debt. The debt comes from XXXX XXXX XXXX XXXX XXXX PA - XX/XX/2020 Balance : {$3200.00}
01/22/2016	No	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	FL 33028	Web
Based on review of my XXXX Credit Report noted there was an outstanding item of {$57.00}. XXXX Customer Service advised the debt was medical expense and being reported by ARC Management Company. Requested to dispute the {$57.00} since no information was provided to verify the debit. The {$57.00} is not reported on the other credit reporting bureaus
10/17/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	GA 30012	Web
I received a notification about a file placed on my credit without written notification from ARC MANAGEMENT GROUP. I am not aware who are what this debt is. ARC MANAGEMENT GROUP HAVE 7 days to furnish such contract between myself and them and they must stop all reporting on my credit file. I will file a lawsuit against such company
08/04/2017	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	LA 70301	Web
On XXXX XXXX , 2017 I went to the emergency room and before I left I told them I had XXXX . I did n't receive anything in the mail I just seen it as a derogatory on credit report. Arc Management Group shows {$1200.00} only on my XXXX report. Arc Management Group does n't even answer the phone number when I call.
11/19/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30038	Web	Older American
I have not been treat at XXXX XXXX XXXX. I Categorical deny owing this or being seen at this hospital. my car was stolen and had a few fraudulent transactions all have been resolved with the acceptation of this medical bill and apartment. I have lived at my current resident for 19 years,
05/03/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 11420	Web
Hello, I got a credit report and noticed that ARC Management Group , LLC said I owed XXXX hospital emergency room {$110.00}. This debt collection is not mine and I was wondering how to get it removed from debt collection as it is preventing me from applying to get a credit card.
09/22/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NY 11435	Web
I provided XXXX XXXX with my medical insurance they have it on file there due to the fact that that 's the hospital I go to for medical care so I do n't understand how I owe anything if each time I stayed in the hospital they collected my information
07/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	IL 60637	Web
I have never heard of the agency ARC reporting derogatory marks on my credit report and they seem to be a third party and I am filing a NO CONTRACT Dispute. Please investigate as the information reported is false and remove from my credit report.
08/26/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33167	Web
My latest credit report shows 1 credit collection that I do not recognize with the above company! I did not authorize this establishment to receive my information and I need this removed immediately from my credit report please & thank you!
07/15/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	TX 78380	Web
over a year ago i was apparently in the hospital. i was supposed to be covered by insurance, the hospital never told me about any payment nor did they attempt to contact me. i now have a payment in collections and am unable to buy a house.
08/02/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 705XX	Web
Arc management is reporting XXXX owed from XXXX XXXX on XXXX 2016. I have no knowledge of this debt nor did I receive any services from XXXX XXXX or arc management. I have asked them to validate this debt to no avail
02/29/2016	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 76801	Web
I am receiving continuous calls from XXXX. I do not answer because I do n't recognize the number. It is a Georgia phone number. I only know what it is from researching it on the Internet. I want this number to STOP calling me.
02/17/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 902XX	Web
Called me, refused to identify themselves, could not find the number that they texted to be associated with any accounts, refused to state their business. I had to search the number on the internet to learn who they were.
10/12/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 77025	Web
This was debit that was taking care of by insurance. And this was 4 years. I give them the insurance more than once. It not my fault that they put the infomation in correct.and am not paying for this debit twice.
10/17/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 240XX	Web
This is a medical debt at a time which I had Medicaid and it was known by the original medical office but it was not billed nor was I aware of it until I discovered it on my credit report
05/25/2016	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 32927	Web
I 'm not sure what this on is about, it may be from XXXX, they were over charging my account and I was supposed to have it taken off, that 's also the reason I left the cell phone company
10/05/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	OK 747XX	Web
XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$4100.00} I have disputed this charge on XXXX XXXX I have froze my credit and have done everything I can think of to resolve this matter in my favor.
08/07/2015	No	Debt collection Medical	Communication tactics Frequent or repeated calls	DC 200XX	Web	Servicemember
On numerous occasions, I have received repeated, nearly back to back phone calls from this number. When I answer, no one is there, I hang up, the number calls again, and again.
06/14/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NJ 070XX	Web
I opened up my XXXX XXXX and I saw a derogatory mark fro m ARC opened XXXX XXXX 2017 for {$150.00} .I do n't have a clue where this came from.
01/20/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92336	Web
I noticed a balance of {$48000.00} for Arc management group and I do not have knowledge of this account.
06/25/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 776XX	Web
I never received anything from this company but it 's on my credit and dropped my score XXXX points
12/15/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX XXXXX	Web
There is a collection listed which is outdated, false and not verifiable which is ARC for XXXX
09/12/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NY 11385	Web
I have a derogatory mark on my credit report that has already been PAIDED and not removed
05/28/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 287XX	Web	Servicemember
Threatening me with a judgment
01/21/2024	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MS 397XX	Web

01/19/2024	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32301	Web

12/21/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CT 060XX	Web

11/06/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32224	Web	Servicemember

09/27/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MS 39046	Web

07/31/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91316	Web

06/21/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IN 46368	Web

05/25/2023	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 33844	Web

04/12/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IL 62012	Web

04/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77035	Web

01/04/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 77494	Web

11/28/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85014	Web

11/22/2022	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 Investigation took more than 30 days	FL 32935	Web	Servicemember

11/17/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33009	Web

09/13/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33141	Phone	Older American

05/05/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	LA 71064	Web

04/28/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30025	Web

04/26/2022	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	FL 33324	Web

04/15/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	GA 39823	Web

04/14/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78729	Web

03/26/2022	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	TX 78729	Web

02/17/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33025	Web

01/25/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33131	Web

12/23/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77074	Web

12/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 70522	Web

10/27/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33020	Web

10/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70461	Web

10/05/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31088	Web

09/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33428	Web

09/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33428	Web

09/10/2021	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	MA 01760	Phone

08/19/2021	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	XXXXX	Web

05/24/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	KY 40383	Web

05/06/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33139	Phone	Older American

05/05/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33137	Phone

12/07/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77048	Web

08/27/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 70508	Referral

03/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33023	Web

01/21/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	WI 53713	Web

11/28/2019	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt		Phone

09/03/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MS 39211	Web

07/15/2019	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30094	Postal mail	Servicemember

02/28/2019	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77429	Web

07/02/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 78589	Web

06/14/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	IL 60659	Web

01/25/2018	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language		Fax

01/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29631	Web

10/25/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75654	Web

10/12/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 78374	Web	Older American

10/05/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33435	Referral

09/22/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AR 72335	Web

09/15/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30066	Postal mail

09/07/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29609	Phone

09/01/2017	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	LA 70647	Web

07/15/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MO 63042	Web

06/20/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 23452	Web	Servicemember

06/09/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30548	Web	Servicemember

04/18/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	VA 23452	Web	Servicemember

02/03/2017	No	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	PA 17403	Web

01/31/2017	No	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	MO 63033	Web

11/10/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NY 11580	Postal mail

11/09/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	IN 46947	Web	Older American

09/29/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 11580	Referral

09/28/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NY 11416	Postal mail

08/11/2016	No	Debt collection Medical	Improper contact or sharing of info Contacted employer after asked not to	TX 76446	Web	Servicemember

08/08/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	NJ 08807	Web

04/25/2016	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	OH 44890	Web	Servicemember

02/17/2016	No	Debt collection Medical	Communication tactics Called outside of 8am-9pm	IN 46406	Web

01/26/2016	No	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	MO 65463	Phone

09/30/2015	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	FL 32539	Postal mail

09/16/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 10455	Web

08/12/2015	No	Debt collection Medical	False statements or representation Impersonated an attorney or official	TX 78589	Phone

11/13/2014	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	MO 63017	Web	Servicemember

08/14/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NV 89148	Web

06/18/2014	No	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	MS 38804	Web

06/16/2014	No	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	TX 77070	Web

03/24/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	GA 31313	Web

03/14/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30041	Web