Arcadia Holdings, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
02/28/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 194XX	Web
On XX/XX/XXXX, I went to the Emergency Room at XXXX Hospital in XXXX, PA. XXXX Hospital later sent me a bill for {$250.00}. For approximately a year and a half I have contacted XXXX Hospital billing about the error as the services were paid in full by my primary and secondary insurance companies up to the contracted allowed amount with no patient responsibility. I had sent them the Explanation of Benefits ( EOBs ) and had my secondary insurance company contact them via phone and provider education letter. A representative from my secondary insurance company advised XXXX Hospital that it was a contract violation to bill me, the member. Every time I thought that the situation was resolved, a few months later I would again receive a bill in the mail, starting the process all over. Note that I was advised by a billing representative from XXXX Hospital that in XX/XX/XXXX a new billing company took over since there were so many errors from the previous company. I was also advised that any debts sent to collections were being recalled due to the errors. However, shortly after, my account was indeed sent to collections by XXXX Hospital. Note that the secondary EOB shows that the contracted allowance for the services is {$660.00}, The primary insurance issued payment in the amount of {$400.00}, and the secondary issued payment in the amount of {$250.00} with no patient responsibility. Also note that there is a remark that states that this amount represents the copayment required for emergency room services for which the secondary insurance paid. This statement is incorrectly being interpreted by Arcadia representative XXXX XXXX to mean patient responsibility. Because the insurance is secondary, it pays the co-payment leaving a {$0.00} patient balance. Also note in one of the bills from XXXX Hospital that I attached, they acknowledge total payments of {$660.00}, the contracted allowance. Below is a timeline of my contacts and attempts to resolve this matter after it had been sent to collections. XX/XX/XXXX Date of correspondence from Arcadia Recovery Bureau , LLC informing me that creditor XXXX Hospital, XXXX sent my account to collections for the amount of {$250.00}, reference number xxxxxxxxx [ omitted per direction ]. XX/XX/XXXX I called Arcadia and explained that this was an error with XXXX Hospital and secondary insurance paid that balance. Representative requested that I email the EOB to them at XXXX. XX/XX/XXXX I emailed EOB as PDF to Arcadia. XX/XX/XXXX I called Arcadia and spoke with XXXX who confirmed receiving email. XXXX stated that they will reach out after coordinating with XXXX Hospital. XX/XX/XXXX A representative called from Arcadia stating that there was no attachment in my email and to resend. I confirmed that email was indeed sent with attachment. I forwarded original email stating such and also included EOB as JPEG format. XX/XX/XXXX I contacted Arcadia. A representative confirmed receiving EOB but said that it states co-pay so this is patient responsibility and that XXXX Hospital is stating that payment was not received from secondary. I explained that the EOB is being misinterpreted and that insurance did pay. I was advised to have insurance call Arcadia. I contacted insurance. A representative assured me it was paid on XX/XX/XXXX and there was no member responsibility. Insurance called with me on 3-way and was transferred to XXXX XXXX who was not at desk. Later in day I called insurance company to try again. Representative XXXX spoke with XXXX XXXX who requested for the insurance to submit the EOB. When XXXX relayed this information to me, I explained that Arcadia has EOB. XXXX called back with me on 3-way but it went to XXXX voicemail ( VM ). XXXX left a message advising XXXX that they do indeed have EOB. I then called XXXX Hospital billing and spoke with XXXX, extension XXXX. She was sending the case to a supervisor who would call me back but never did. XX/XX/XXXX I called XXXX Hospital billing and spoke with XXXX. Call was disconnected while on hold for supervisor. I called back again later in the day. I was indeed connected with a manager who informed me that I must go through Arcadia since the file has been sent to them and they no longer have access to the records. However, she did tell me that there was a note from XX/XX/XXXX from Arcadia that they were waiting for the EOB. XX/XX/XXXX I called Arcadia and spoke with XXXX XXXX. She stated that they need the remit from the insurance company showing proof of payment and to fax to XXXX at XXXX. I called insurance company and spoke with XXXX who informed me that the EOB serves as proof of payment and that this was the first time she had heard of a collection agency requiring additional proof of payment. She called XXXX XXXX with me on 3-way again. XXXX stated that they did not have EOB. I told her where it was emailed to and she retrieved it. She reiterated that she needed proof of payment. I advised that insurance will not provide that, that she is misinterpreting the EOB, and that this should be reported to the Federal Trade Commission. XXXX at some point disconnected the phone call when at no time did myself or the insurance representative speak inappropriately. I have spent many hours trying to resolve this matter first with XXXX Hospital and now with Arcadia without success. I want to make a formal complaint regarding how this was handled by both entities. I need help resolving this matter as I have exhausted everything that I can possibly do. Thank you for your time. Regards, XXXX XXXX XXXX
11/05/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 106XX	Web
I received a call from " Arcadia Recovery Bureau '' on XXXX XXXX, 2016. This is not the first time they have called me ( and they have called me in the past, too ). The caller did not identify herself, which violates the Fair Debt Collection Practices Act, 15 U.S.C. 1692-1692p ( FDCPA ), and she also claimed it was a " business matter, '' another violation, since she has to disclose that it is an attempt to collect a debt. The woman proceeded to tell me that she needed to verify my information, to determine if I was the " correct XXXX XXXX. '' My name is not that common due to the spelling. I am not even sure how she got my cell phone number ; the bill IS NOT in my name. She repeated my address to me, and she asked for my birthday. First of all, since she claimed it was a " business matter, '' I was not going to disclose any personal information due to incessant identity theft in today 's world. Second, there should be no reason for this if she is attempting to collect a debt. If I say I am the person she is seeking, that is all she needs -- confirmation I am that person. When I refused to provide my birthday, she said that she would not tell me anything else, would not provide any other information. I said that I was sorry, but I would not provide my birthday. She immediately switched over to a harassing tone and nature, " informing '' me that she would " continue to call until I gave her my personal information. '' This is definitely harassment and not anything valid. This person 's actions are clearly in violation of the FDCPA 806 ( 5 ) and 807. Additionally, I will be attaching screenshots of the calls I received from this number, XXXX, since it was not blocked and the calls were placed to my cell phone. These simply demonstrate the recent calls to my phone, as they are what appear in my " recent calls list '' : XXXX XXXX - XXXX XXXX XXXX seconds XXXX XXXX - XXXX XXXX - XXXX minutes, XXXX seconds ( I was on the other line at the time, and I think the call just ran on my voicemail ). XXXX XXXX - XXXX XXXX - XXXX seconds XXXX XXXX - XXXX XXXX - XXXX minute, XXXX seconds Aside from XXXX XXXX, 2016, the other calls were hang-ups with a little " blip '' noise. This is also in violation of the FDCPA. However, since the initial contact in my call log is XXXX XXXX, 2016, and the caller chose to hang up before repeatedly calling me, Arcadia violated the FDCPA 809 by not notifying me within five ( 5 ) days of the initial communication on XXXX XXXX. Five days would have been XXXX XXXX, 2016, when is when I received the second call. I have also been receiving a barrage of calls, both at home and on my cell phone, that are usually no one on the other line with the same " blip '' noise. I do not know if they are related, but I would like to enter the numbers and times into the record : Cell phone XXXX -- XXXX XXXX -- XXXX PM, XXXX seconds XXXX -- XXXX XXXX -- XXXX PM -- missed call XXXX -- XXXX XXXX -- XXXX PM -- XXXX mins, XXXX seconds ( voicemail? -- I did not speak with anyone. Phone number comes up as a known scammer via XXXX search. ) Home phone XXXX XXXX - XXXX - rubber band noise XXXX - " out of area '' XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX -- sometimes " out of area, '' sometimes " XXXX, XXXX '' XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX ( XXXX ) XXXX XXXX - XXXX XXXX XXXX - " XXXX '' XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - " XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX XXXX - " XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXX - XXXX '' XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX out of area ) Arcardia has several complaints with the CFPB, some for the exact same issue.
07/21/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 945XX	Web
I Never GOT Validation letter in 2019 I was homeless and sick This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account numbers : # XXXX Please provide me with : 1. What the money you say I owe is for. 2. A detailed explanation of how you calculated what you say I owe. 3. Copies of any and all papers that prove I agreed to pay what you say I owe. 4. A verification or copy of any judgment, if applicable. 5. The identity, name, and address of the original creditor. 6. Proof that the Statute of Limitations has not expired on this account. 7. Proof that you are licensed to collect in my state. 8. Your license numbers and Registered Agent or Agent of Service. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX ) request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
02/25/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 95206	Web
illegally added collection account to my credit reports in the 1st written communication without giving me my legal right to respond and dispute debt. 30day period fdcpa 809 ( b ) section of unfair practices. Arcadia Recovery Bureaus, LLC. RE : Director of Operations XXXX XXXX AS OF TODAY THERE IS ALSO A COMPLAINT WITH CFPB, and in a few days the following DOJ ( DEPARTMENT OF JUSTICE, CALIFORNIA STATE ATTORNEY, AND FTC COMPLAINT. Has Deliberately and Maliciously caused harm to my financial stability, by adding a un-validated debt to my consumer credit report XXXX, XXXX, XXXX. Upon first initial communications on a unsubstantiated debt a Consumer ( Myself ) have 30days upon first communication to dispute this debt and all collection attempts must cease! Notice I say ''ALL COLLECTION ATTEMPTS '', and NOT just a cease and decist in communication. This is a Clear violation of FDCPA 809 ( b )!!! It has n't even been 30days since 1st receipt of letter and yet they already trying to collect in a unfair and deceptive matter. In Case you forgot that people like myself know the law FDCPA, FCRA, TCPA, & TILA, I Will give it to you verbatim - FDCPA 809 ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer 's right to dispute the debt or request the name and address of the original creditor. Also the FTC ( FEDERAL TRADE COMMISSION ) findings are as clear as day in how they see reporting on a consumer 's file prior to a validation of debt, see XXXX Paragraph XXXX : As you know, Section 1692g ( b ) requires the debt collector to cease collection of the debtat issue if a written disputeis received within the30-day validation period until verification is obtained. Becausewe believe that reporting a charged-off debt to aconsumer reporting agency, particularly atthis stage of thecollection process, constitutes " collection activity '' onthe part of thecollector. Lastly : you are not allowed to report any credit information regarding this debt until the debt is validated. You should be made aware that in XXXX ( XXXX ), the court ruled that reporting a collection account indeed is considered collection activity. IN THE FOLLOWING DAYS I SHALL SUPPLY TRACKING NUMBERS FOR CERTIFIED MAIL RECEIPT & RETURN TO SENDER WITH SIGNATURE CONFIRMATION.
03/25/2021	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	TX 77055	Web
In XX/XX/2019, I visited the emergency room at XXXX XXXX XXXX XXXX in XXXX, Texas. Upon entering, I informed the receptionist, nurse, and doctor that I wanted to be told clearly up front what charges would be assessed, so I could approve or reject the service. I specifically said that I did not want any surprise bills after the fact. They all -- three separate persons -- agreed that they would do so, and that I would not receive surprise bills. And on that basis -- and only on that basis -- I entered the facility. I was told at the time that I would receive a bill for $ XXXX. I agreed to that, and later on I received and promptly paid that bill. But I was NOT told that I would receive an additional bill of {$690.00}. So when that improper and unauthorized bill came, I refused to pay it. Sending that bill was plainly and simply a breach of contract. I did not -- and do not -- consider it appropriate for a hospital or any other service provider to make up whatever dollar mount feels right to them and then demand that it be paid after the fact, without giving advance notice to the customer and without getting the customer 's agreement -- particular after making a promise to do so and agreeing not to send bills without first doing so. XXXX XXXX called several times to collect this payment, and I plainly stated my position. They then referred the matter to Arcadia Recovery Bureau, and again I plainly stated my position. I do believe that a service provider, or debt collector, acting in good faith would have agreed that sending a bill in violation of a promise constitutes a breach of contract and would have accordingly voided the bill. Therefore, I was dismayed to learn recently that Arcadia Recovery Bureau reported the non-payment to all three credit bureaus. I then subsequently lodged disputes at all three credit bureaus, but I have been disappointed to learn that XXXX and XXXX have since affirmed the adverse account. This disappointment stems from two foundations : First, as a substantive matter, as stated above, I think the charges are legally unenforceable, plain and simple, and should not be levied against me. But second, and more troubling, neither XXXX nor XXXX apparently even considered the substance of my dispute. Instead, the entirety of their process included asking Arcadia whether they agreed with my position. Predictably, then did not -- and apparently in the face of such a self-serving statement, backed by no evidence and without any assessment of credibility, XXXX and XXXX determined that the creditor ought to be believed over the consumer. What happened here was wrong. It simply can not be the case that a service provider can make up an unauthorized bill -- breaching its own contract to do so -- and then harm the consumer 's credit when the consumer refuses to pay it. Therefore, the adverse account should be removed from my credit report.
05/27/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	PA 193XX	Web
I have regular appointments with the Hospital XXXX. I 've been a regular patient for 9 years for a XXXX XXXX that required the XXXX in XXXX XXXX. In XXXX XXXX, XXXX XXXX and XXXX XXXX, I had follow up appointments to check the status of the XXXX. Apparently, my insurance company denied the XXXX claim on each of these appointments. I was n't aware that these bills were not settled because I never received a bill from the hospital. Recently I was contacted by a debt collector for the balance on these XXXX claims. When I called the hospital, the claim they have mailed bills to my address to which I never responded ; however, they verified that for some reason each of those bills was returned undelivered by the post office. Immediately upon finding out about these unpaid debts, I contacted my insurance company which is in the process of resubmitting the claims in order to settle the debt. In the mean time, I 've had this debt collection company calling and sending me invoices in the mail for a bill that will be covered by my health insurance. I 've told them multiple times that my insurance company is handling the debt, but they still insist on contacting me. My wife and I have exemplary credit. In fact, I pride myself on how good my credit is and I 'm in the process of refinancing my mortgage and now I 'm afraid that I 'll have this debt collector listed on my credit report for the next 7.5 years for a debt that should have never even hit collections if the hospital had figured out how to get a bill to my house so I could contact my insurance company. They did n't even attempt to call or email me. They just sent it right to collections. Funny how the the debt collectors bill arrived in my mail box but nothing from the hospital. When I contacted to hospital, they told me they have to correct address on file so I should contact the USPS. I 've lived at this address for 5 years and all my mail comes to this address. I want for this debt collection company to stop contacting me and I 'd like for any negative entry of this debt to be removed from my credit report. I 've attached documentation showing the bill I 've been receiving from the debt collector. I 've also attached documentation for the reprocessing of XXXX of the XXXX claims showing that XXXX of the debts has been settled. I 'm still waiting for the explanation of benefits for the other XXXX once the claims are reprocessed.
08/18/2015	No	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NJ 08094	Web	Older American
Received a call on my answering machine announcing that I needed to call back a number about a debt issue. XXXX day later I received a collection notice for {$78.00} for date of service XXXX/XXXX/2015 from Arcadia Recovery Bureau for a doctor charge from XXXX of 2015. Checked my EOB/Medical file to find that I never received a bill from the provider. I contacted the provider University XXXX XXXX XXXX XXXX. They told me that they had sent a bill on XXXX/XXXX/2015 that was returned from the PO stating " temporary out of town and can not deliver ''. At that point they told me their policy was to flag the account for that invoice and future invoices for collection. 1. I do not understand how that policy can be legal. The creditor must do due diligence to make an attempt to collect the debt before turning it over to a collection agency. Automatically flagging an account does not constitute due diligence. 2. XXXX further told me that they have so many patients that is the only way they can handle the billing process. Just because they do not have the proper man power does not mean they have the right to put a persons credit record in jeopardy. They have my home number, my cell phone number, my email address and a messaging system from XXXX XXXX XXXX in place to contact me. 3. Flagging an account because of a temporary mail delivery issue is not the patient 's fault. On the hospital side I still receive bills and process them for payment. They have access to all those records and should be able to determine if the mailing address is correct. 4. The message left by the collection agency disclosed debt collection information and my name on an answering machine that is available to other individuals. That can not be legal. 5. I believe XXXX 's billing system is flawed, prejudicial and illegal and I need help to shut it down.
04/21/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 95206	Web
FIRST AND FOREMOST THE DEBT IN QUESTION IS REGARDING MEDICAL DEBT! As a Medical Debt it falls under the provisions of HIPPA Laws and FDCPA. I never in my sober and contious state of mind ever gave my permission for my medical records to be disclosed as i know under HIPPA laws .... Can only be accessed via a court order by a judge or I myself give written authorization to realease my medical history or any documents related to medical treatments!!! Required by the XXXXealth Insurance Portability and Accountability Act, 45 C.F.R. Parts 160 and 164. XXXX XXXX XXXX XXXX .Has willfully and maliciously broken FDCPA LAWS AND HIPPA LAWS. LET THAT BE CLEAR!!!! how you ask? easily- fdcpa 808 ( 1 ) under unfair practices of collection of debt clearly states : The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. A CONTRACT IN OTHERWORDS ... AS STATED IN THE BEGINNING I NEVER GAVE THESE CROOKS ACCESS TO MY MEDICAL INFORMATION, OR UNLESS THEY GOT A COURT ORDER I DONT KNOW ABOUT!??? how then are they adding interest to an alleged debt, WITHOUT HAVING THE INSTRUMENT/CONTRACT, MEDICAL FORMS THAT CAUSED THE DEBT? ILLEGAL, UNLAWFUL, AND DECEPTIVE MEANS HAVE BEEN USED AND I FULLY INTEND TO SUE FOR TWO COUNTS OF DAMAGES MADE UNTO ME! BE AWARE I INTEND TO SUE YOU, I WILL TURN ALL THE FOLLOWING DOCUMENTS TO COURT CLERKS AND SEEK IN DISCOVER MOTION the instrument/contract you used to add interest to this alleged debt. Unless your willing to falsify documents, perjure your whole company, and lie in front of a judge then by all means let 's go to court. ill pay my {$50.00} filling fee to serve you a court summons.
09/28/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 19115	Web
I requested written validation of my debt. I received a validation letter dated XX/XX/2023 from Arcadia Recovery Bureau , LLC that failed to include the following information : 1. Information you can use to reply to the debt collector, such as if you believe the debt is not yours or if the amount is wrong 2. An end date for a 30-day period when you can dispute the debt The debt collector did provide an itemized statement from the creditor, XXXX XXXX XXXX XXXX XXXX XXXX but the amounts differ from the validation letter. Professional Charges : Total Charges : XXXX Professional Payments and Adjustments : XXXX XXXX XXXX Total Insurance Payments and Adjustments : XXXX It is not clear how the debt owed came to amount to {$140.00} as indicated in the validation letter from Arcadia. Doing the math as listed in the itemization I come to a total of XXXX. XXXX XXXX XXXX = XXXX I received multiple bills from the creditor, XXXX XXXX, with differing amounts ; on XX/XX/2023 total payment due {$140.00} and XX/XX/2023 total payment due {$210.00}. Also, the itemization of the current amount of the debt does not reflect payments or credits within the validation letter, which differs from the creditors itemization of the above-mentioned payments and adjustments. I am submitting this complaint because I was not given proper information regarding this debt collection, nor an ability to dispute, nor an end date to dispute by, or a reasonable explanation of the amount of debt owed including any adjustments, or credits applicable. The debt collector and creditor appear to be using disingenuous accounting to misrepresent owed amounts which needs to be investigated further.
10/23/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 94541	Web
Hello, I recently logged onto XXXX XXXX to pay find any debt I may have. I have been on XXXX for a few months now and recently received an income, which is the reason Id like to pay off debts owed. I went XXXX XXXX last year XXXX XXXX. I had suffered in XXXX to my XXXX XXXX, XXXX, up to XXXX XXXX. I had taken the XXXX at XXXX in a clients XXXX. I was forced to work the rest of the day without being able to XXXX XXXX or get medical treatment until a couple of days later. After being XXXX for my right XXXX I had reported feeling XXXX. I went to XXXX XXXX where I was treated for a XXXX that XXXX XXXX said may have been XXXX during the fall and XXXX clothing. I had mentioned this XXXX to my work place but they said it had no revelance to the XXXX. Till this day my case is still open and today I paid out of my pocket for something I feel that my work place should have provided treatment for as well. The original amount due was XXXX today I was told the amount was XXXX. I paid the amount off and asked if this could please be taken off my credit record. I was told it could not but would reflect as paid. If you could please look into this account with Arcadia I would greatly appriciate it. I find it unfair to have had to pay out of pocket for an XXXX that was due to XXXX on a clients XXXX at work and not getting medical attention or being allowed to go home to at least XXXX XXXX. Now Im being told this will stay on my record regardless if I pay it off and the amount increased. Thank you for your time and attention.
05/09/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CT 063XX	Web
Thank you first and foremost for representing people like myself whom feel absolutely violated by these criminals. I received medical services last year, and received a bill from XXXX XXXX ( XXXX ) indicating that I owed more money than my explanation of benefits letter indicated I should pay. XXXX indicated I owed over them over {$400.00}, whereas my EOB indicated I owed ~ {$160.00}. This claim was ultimately handed from XXXX to Arcadia collection agency as there was still a discrepancy in the amount to be paid, with me refusing to pay more than my EOB. At this time I contacted XXXX, my claim representative, and they had a cease a desist letter filed to Arcadia to halt any further harassment to myself. XXXX also advised me to pay the EOB amount only ( ~ {$160.00} ) to Acadia to prevent all further interactions with them and also advised to hand write a letter to Arcadia indicating they were no longer to harass me, which I did. Unfortunately, despite the hand written letter and the cease and desist letter filed, these thieves have attempted yet again to send me a physical letter demanding me to pay the remains amount of the {$400.00}, Without any proof of indicated payment due and even going so far as to suggest I outright pay them and then ask the insurance company to pay me back ... .... I am outraged. They may retort that the case is closed and that I have a XXXX balance. This however, is not at all what concerns me. It is their violation of the FDCPA that they need be held accountable.
06/03/2022	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	NY 10030	Web
I am XXXXXXXX XXXX XXXXXXXX and am submitting this complaint myself with no third party. I, XXXXXXXX XXXX XXXXXXXX, consumer, sentient sovereign and original creditor of an account using my open-end credit plan. The following United States Codes Arcadia Recovery Bureau , LLC has not abided by : 1 ) 15 USC 1602g : XX/XX/XXXX, Arcadia Recovery Bureau , LLC claims XXXX XXXX XXXX XXXX XXXX was the original creditor and they are the current creditor, 2 ) 15 USC 1692e : XX/XX/XXXX, Arcadia Recovery Bureau , LLC claims XXXX XXXX XXXX XXXX XXXX was the original creditor and they are the current creditor, 3 ) 18 USC 1961 racketeering and extortion through XXXX XXXX, 4 ) 15 USC 1692j : deceptive forms creating a false belief of debt owed when all debt are obligations of the United States per 18 USC 8. I was notified of this transgression of my rights specifically 15 USC 1601- the Truth in Lending Act by Arcadia Recovery Bureau , LLC on XX/XX/XXXX via US mail. According to 15 USC 1602 definitions of the Truth in Lending Act, I, as a natural sentient possessing an open-end credit plan was harmed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX was taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to {$5000.00} per occurrence per offence. XXXX XXXX XXXX XXXX XXXX and Arcadia Recovery Bureau , LLC is now civilly liable to pay me for the damages.
09/23/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 190XX	Web
On XX/XX/2018, I received a bill from XXXX XXXX ( Hospital of the University of XXXX ) for {$1100.00} for routine maternity laboratory tests, which should have been covered by my insurance provider, XXXX. I appealed this bill with XXXX and informed XXXX XXXX that I was appealing this bill with my insurance provider since it should have been covered under routine maternity care ( XXXX was provided a letter attesting to this by my XXXX doctor ). Even though I informed XXXX internal collections department that the charges were under an appeal process and provided them with a reference number for the appeal, XXXX XXXX sent the bill to collections. So I informed the collection company ( Arcadia Recovery Bureau ) in writing that the bill was under an appeal process within 30 days of receiving the bill from them. Arcadia responded stating that I should make the personal payment in full and request my insurance carrier to reimburse me directly. Again, this is a predatory business practice. A separate complaint has been filed against Arcadia Recovery. My insurance company XXXX responded to my appeal ( case ID XXXX ; Claim ID # XXXX ) and ultimately determined that I do not have to pay the bill since it was considered part of payment for other services. Despite this, I am being coerced to pay the bill by XXXX XXXX and Arcadia Recovery Bureau.
01/31/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 19608	Web
XXXX Hospital ( XXXX XXXX ) was set up with XXXX to collect debts owed to the hospital. We had charges from previous medical issues that were not covered by insurance and we need to set up a monthly payment plan, which we did and were paying every month via and automated deduction from our checking account. The accounts were never reported to the credit bureaus because were were not delinquent. At some point at the end of XXXX, XXXX was dropped and XXXX XXXX was given our account. Then out of the blue we started receiving phone call regarding the debt owed. There was never any written notice that XXXX was no longer servicing the account and that we would need to work with Arcadia, so we were questioning what these debts were and from when. At one point the person calling gave us incorrect dates of service as well as incorrect parties they were collecting for. Upon calling XXXX Hospital, we found out that XXXX was dropped and Arcadia was the new service provider and we would need to contact them regarding the accounts. As of XX/XX/XXXX, via online, I paid all the accounts off. I have requested that Arcadia report this the credit agencies and have the incorrect information removed from my reports. I notified Arcadia of my intent to report this information
06/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10014	Web
I've been disputing fraud accounts on my credit report since XX/XX/2021. I sent letters to the bureaus and the creditor via certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. Its been well over 40 days and no results are showing. This is my next option before I take this up with my lawyers and sue for full compensations and damages incurred. Please investigate
04/28/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 19604	Web
I have written disputes to the credit bureaus and to Arcadia directly because, I do not believe that these accounts are accurately being reported on my credit report. So to clarify the accuracy of the reporting of these accounts I formally requested the following information that is being reported : 1 ) Original Contracts to ensure the accuracy and legitimacy of the date the accounts were opened, account numbers, and terms of the interest and penalties that were originally agreed to. 2 ) Payment History of the accounts for the entire duration of the notes to review the application of payments to their proper destinations 3 ) List of charges and fees especially those assessed after the charge off status on the accounts 4 ) Date of actions taken on these accounts including but not limited to the dates of the charge off status, correspondence sent to me regarding the charge off actions, and collection activities 5 ) List of the Dispute instructions your agency provided to the credit bureaus in response to my disputes to the Credit Reporting Agencies. Arcadia still has sent me nothing at all!
01/19/2024	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	VT 05452	Web
To clarify the answers to the questions on the prior page : - while the amount owed is being disputed as well, the nature of the misrepresentation in this particular complaint is that the collection agency provided falsified financial records that obscure the actual activity relevant to the disputed debt, which was done far more blatantly and maliciously than any misrepresentation of the balance itself - I have communicated with the company already, but not specifically about the misrepresentations. Given the situation, it felt like it made more sense to file the complaint with a third party. In response to my disputing a debt, Arcadia Recovery Bureau , LLC mailed me a letter dated XX/XX/2023 containing financial records that had clearly been falsified and furthermore obscured important information about the adjustment activity on the account. I am including a full description of the issue as a PDF document with this complaint, but am not including any of the attachments, because they contain personal information. The attachments will be available to relevant parties upon request.
07/29/2015	No	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Impersonated an attorney or official	PA 19038	Web
A debt from XXXX that had been reported by XXXX XXXX collection agency for 7 years was sold to the Arcadia collection agency who now reports it as a new collection account from XXXX to the credit repositories XXXX and XXXX. Arcadia confirmed it was from XXXX verbally, but state the start date is now XXXX when they bought it. This is a re-aging of the account and not in compliance with the Fair Credit Reporting Act. I provided XXXX a copy of an old credit report that showed the same account from XXXX and they refuse to remove it without consent from their paying client Arcadia who plans to report a collection account for 15 years from the date of the collection and 8 years past the 7 year statute of limitation for collection accounts to be reported on a credit report. The debt was from when I was young and I understand they may be allowed to try to collect it, but they are not allowed to at this point break the law by re-aging the account and report the account as new again after it had already been reported on my credit already for over the 7 year limit.
05/06/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 95138	Web
This is an email I attempted to send Arcadia but then realized no email address listed on site. I have attempted to return your calls numerous times, the voicemail box is constantly full. The number listed on your web page is an embarrassing error on your part as it is a personal adult hotline to link males and females?! Anyway, had I been able to connect with a representative I would have asked for an offer in compromise. I am on XXXX XXXX XXXX with a severely limited income. Please remove the {$60.00} interest because it has proven impossible to connect with you. That leaves a principle of {$400.00}, I can offer {$100.00} only at this time and that will not change due to my XXXX income and outgoings which exceed it. I am about to file Chapter XXXX in which case nothing will be paid. Please respond ASAP as I am unable to reach you via phone. I will be undergoing XXXX at the end of XX/XX/XXXX and would like this resolved by then without any further interest charges. Thank you. Sent from my XXXX Sent from my XXXX
04/22/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NJ 078XX	Web
I received a phone message from Arcadia Recovery Bureau saying that they were looking to speak with me about owed debt. I called the number back, and they had my name, address, phone number, and date of birth. They then said that they were calling about {$3200.00} that I owed to XXXX XXXX. I finished my treatment with XXXX XXXX in XXXX of 2015 and paid in full throughout my treatment. However, to be on the safe side, I contacted the billing department at XXXX XXXX and was told that my account has a {$0.00} balance, and I owe them nothing. The woman in the billing department explained that I was n't the first person to call with the same issue. When I called Arcadia Recovery Bureau back to tell them that I have no balance with XXXX, they told me they could put a note on my account that we had this conversation, but could n't do anything further until XXXX cleared me. At this point I do n't know if they 'll continue calling. However, I do n't want to have to continue dealing with this " debt '' that I do not have.
04/15/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NY 11101	Web
Debt collector, Arcadia Recovery Bureau , LLC, is attempting to collect from me an amount I do not owe of {$840.00}. The creditor is with a medical service provider, XXXX XXXX. They originally contacted me by letter on XX/XX/2022, with reference number XXXX. I responded to them in writing on XX/XX/XXXX, informing them that, a. ) I had already paid XXXX XXXX this amount, and b. ) that I therefore do not owe the debt, and c. ) to cease all communications with me. I also furnished a receipt from XXXX XXXX of the amount noted above, along with a print out of the transaction details from my credit card. Arcadia contacted me again about this debt by letter on XX/XX/XXXX, with the same amount and under the same reference number. Per my original communication with them, I would like them to cease contacting me and to remedy any credit reporting they have made in connection with this matter.
12/19/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 94536	Web
Dear Sir or Madam, I received a collection later from XXXX XXXX XXXX XXXX on XXXX/XXXX/2015. I responded back to XXXX XXXX XXXX XXXX on XXXX by registered mail ( delivery proof attached ). I explained that the accounts listed are already paid in full as agreed and attached copy of checks paid to XXXX XXXX clearly mentioning the billing account number and final payments. XXXX XXXX XXXX XXXX. never responded back to debt verification request. I checked my credit report on XXXX and found that XXXX XXXX XXXX XXXX has reported XXXX accounts in collection. I reached out to all three credit agencies multiple times with all payment documents but still see these derogatory listings on my credit report. Every time, I sent the communication to credit agencies XXXX XXXX, XXXX, XXXX XXXX they responded back with 'debt verified ' response. I look forward to getting the justice in this matter.
05/25/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	NJ 08618	Web	Servicemember
i called arcadia recovery on monday XX/XX/XXXX at approx XXXX and spoke with a female agent who disclosed that the payment i sent in for {$250.00} was just processed on the day of my phone call. on wednesday at approx XXXX i was contacted by a male agent did n't get his name, he made numerous mentions to speaking with me prior to his call that I do not recall being he had a distinct sounding voice. I mentioned to him that I had just verified the debt being paid in full and all of a suddewn this male agent was calling regarding an additional charge of {$100.00} dollars being owed from XX/XX/XXXX. I requested a full transcript of the accounts that they ( Arcadia ) have regarding my ssn # that needs to be paid. This harrassment needs to be regulated and stopped, i 'm making amicable attempts to resolve these matters as best possible with the resources at my disposal.
01/05/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 08618	Web
On the XXXX of XXXX I consumer XXXX wrote two letters to company Arcadia Recovery Bureau to validate alleged debts of {$1400.00} and {$600.00} that appeared on my all my consumer reports certified mail via USPS tracking number XXXX XXXX XXXX XXXX XXXX. The company never replied regarding my request for validation of the alleged debt under 15 USC 1692g even after 60 days. In addition I submitted a Cease and Desist request pursuant to 15 USC 1692c ( c ) demanding that they cease all forms of communication with me through any and all mediums but yet I see that the company is reporting unvalidated negative remarks on my consumer reports. That is a form of indirect communication and they have violated my rights under the Fair Debt Collection Practices Act. I am attaching the letter that was sent along with the certified mail receipt to this complaint.
08/24/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MO 652XX	Web
I have received numerous calls and messages left from ARB within the last week. I received a call and a message on XX/XX/23 and XX/XX/23, XX/XX/23 and today XX/XX/23. I decided today that I would call to see why I was receiving these phone calls. The gentleman I spoke with never identified himself just while he works for, I let him know I have received numerous calls and asked who they were trying to call. He was very rude to begin with. He said persons name and asked if I was said person. Told him no and that I have had this phone number for 5 years now. He told me I dont need to worry about it then and hung up. Not even XXXX hours later I received yet another phone call and message. I did look up on the CFPBs website and seen where ARCADIA RECOVER BUREAU also known as ARCADIA HOLDINGS INC has had several complaints
09/23/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 195XX	Web
I have been disputing accounts with ARCADIA RECOVERY BUREAU since XXXX to no avail. I have even filed a XXXX complaint against them. They are willfully ignoring my validation requests. They have never sent me any dunning letters, or anything at all, and are seriously damaging my credit. They have violated the FCRA by reporting without my consent. They violated the FDCPA by willfully ignoring my requests for validation. They have caused major damage to my character, reported unvalidated derogatory information about me to the credit bureaus, and have continued to call my place of employment despite my many requests that they do not! The accounts that they are reporting are illegal. Please exercise the full rights granted to you and do everything you can to force them into full compliance with the laws that govern them!
01/28/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 15090	Web	Older American, Servicemember
Received a call on my answering machine from Arcadia Debt Resolution claiming I owed money On Thursday XX/XX/2021 I returned their call at XXXX XXXX and asked how they obtained my unlisted number and what was this call was about as I have never had an unpaid bill The representative was XXXX would not provide a last name or employee number and he insisted I provide personal information before he could tell me what this was all about. I stated he should have all my info furthermore I have an XXXX credit score and monitor my credit reports I informed him if he could not discuss the issue without disclosure of my detailed info ( ssn etc ) I would terminate the call which I did I feel this was a scam and research into this firm I noticed there were numerous complaints against them
02/10/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 19601	Web
On XX/XX/2020 I requested a Validation of my debt with Arcadia Recovery Bureau and sent it on XX/XX/XXXX XXXX XXXX XXXX which they received on XX/XX/ 2020 at XXXXXXXX XXXX and sent them a XXXX letter on XXXX2020 which they also received on XX/XX/ 2020 at XXXX XXXX and today is XXXX I have not received a single response from them. I requested a validation for the debt and also requested the HIPPA release in which to my knowledge a 3rd party collector is not suppose to have anything regarding medical records. I will send documentation and proof of everything I have sent to them but it's been over 4 months and I think this is negligence on their part to not respond letters. I have sent the 2 letters which I sent with both certified receipts and tracking numbers.
02/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	NY 10029	Web
On XX/XX/2020 around XXXX. I received a phone call from XXXX. The lady on the phone asked me for my personal info e.g. Date of birth. I told her with so much phone scam going on, i dont feel comfortable giving out my date of birth and other personal info. I also informed her that the {$100.00} balance was already paid by check on way to them. She told me that " now you are not going to have a good day ''. I feel this is a threat towards me and she is trying to give me a bad credit report because i dont want to give out my personal info over the phone. this behavior is very upsetting and she doesnt care i told her that the payment is already made, instead of asking me the payment details, she instead took the route to threat me. I want to report this behavior.
12/24/2020	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	PA 195XX	Web
Arcadia Recovery has called our business on multiple occasions, and continues to do so. I have called and spoken to a representative ( on XX/XX/XXXX ) and asked for our phone number to be removed. On two other occasions XX/XX/XXXX and XX/XX/XXXX I have left messages as their message states no one is available. All 3 times I have provided our number, and advised that the person they are trying to contact, a XXXX XXXX is nit here, and does not work here. Their repeated calls are tying up the phone line for our business, and that means customers can not call. I have had to waste time calling their number XXXX XXXX XXXX XXXX and asked for iour number to be removed. They have not removed our phone number, and this is continued harassment.
05/23/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 10016	Web
Dear CFPB, I am a hospital resident in training at New York XXXX Hospital in XXXX. I am not aware of owing any debts ( I just had a loan officer confirm this ), but this is beside the point. " Arcadia XXXX XXXX XXXX '' has been calling me on a non-private hospital line that is supposed to connect doctors to the resident work space. It is a line shared by all the residents and a very busy one for communicating vital healthcare information. How Arcadia got this number I am not sure, but I have told them to stop the first time. This is the second call I know about. Interrupting a hospital service for a private matter is completely unprofessional, and if my admonishment won't stop them from doing this again, I hope you can. Thank you.
08/10/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 19604	Web
On XX/XX/2021, I sent Arcadia a letter asking them to validate a debt they are claiming I owe. I asked them to provide a breakdown of fees including any and all collection costs and medical charges. Also to provide a copy of my signature with the provider of service to release my medical information to them. They have responded on XX/XX/XXXX with just a summary of a bill showing charges I owe. They disregarded my request and kept sending the same paperwork. I have written to them twice in regards to this and they fail to respond properly. They have now stated that they will not respond to my disputes unless I have new information I need validated but they did not validate my letter the correct way.
12/08/2016	No	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	NY 11377	Web
Arcadia Recovery Bureau rep called me today to ask me personal information such as to verify my addrees. to provide them with the year I was born, and I do n't know how many other questions in their list. The lady did n't say who they are, what they do or what are they calling me about. Instead they want me to give them personal information. I have nothing pending on my credit history, as I just got my credit pulled out last week and it was XXXX. This person who is calling in behalf of ARB is very aggressive and calls me during working hours at my office. Please make her to stop and as I asked her, to send me a letter. ( I asked her that, but she did n't understand )
06/08/2016	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	NY 11357	Web
they 've been calling me for four mounths. I tried to cooperate and pay with them as long as they are legitimate company, First 2months i had no idea, so i asked them to wait me to figure it out from originally generated debt company. they didn ; t let me and pushed me to pay over the phone right away, also i asked them to talk in paper as well but i havent got any paper so far. AND i found CFPB to get some information to take care of it today the guy named XXXX XXXX call me and i asked company info, address, and lisence number. He REFUSED it BUT he has my information ( dob.address.and so on ) I don ; t want them to call me and get rid of my info thank
10/17/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 94513	Web
I have written the collection agency several times to dispute the debt, but they continue to harass me with calls and letters. My daughter was a patient at XXXX XXXX, XXXX, California. She has been going to the hospital since her birth due to XXXX XXXX XXXX. On XXXX XXXX, 2015, my daughter went to XXXX XXXX for treatment. My health insurance company ( XXXX XXXX ) paid the full contracted amount for services rendered on that day. Despite several letters to dispute the amount and cease and desist request, the XXXX XXXX XXXX has ignored my requests and continued to harass me. I do not owe the XXXX XXXX because my insurance company paid for services.
10/02/2020	Yes	Debt collection Medical debt	False statements or representation Indicated you were committing crime by not paying debt	CA 95037	Web
ARCADIA RECOVERY reporting an erroneous collection to my credit report. My numerous attempts to contact them went ignored ... they have not answered any letters in the past 3 months and do NOT answer their phone after making me hold for 45-50 minutes at a time auto system directs me to leave a message and NOBODY CALLS ME BACK. I have disputed it with credit bureaus who came back stating " collection company validated the account so they can NOT remove it '' however when I request validation of this account I get NO ANSWER .... in a meantime this is damaging my credit rating ... this should not be legal to do ...
05/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 08002	Web
I paid Arcadia Recovery collections on XX/XX/2020. My account is reported every month and was reported as a Collection on XX/XX/XXXX and XX/XX/XXXX even though it was paid. I also disputed the balance with XXXX and XXXX. Arcadia will not report this collection as paid and told me I had to wait 60-90 days. I cant get approved for my house and am living from place to place until this collection is reported as settled so I can get my mortgage pre-approval. Arcadia is making me wait 3 months ( 90 days ) and I just want to move into a house. Please see if Arcadia can report this account as paid or settled, please.
03/08/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	PA 19604	Web
ARCADIA RECOVERY BUREA has 3 accounts reporting to my credit report, i do not owe this debt ... my insurance said they covered this..i have tried to contact the credit bureaus as well as Arcadia at least 5 times for validation/verification of this debt ... i have received no such proof of debt ... .. these accounts have all been re aged as well, i have attached copies of their report, please see ... .i need these people to delete these accounts now as it is not reporting 100 % accurately as required by law ... my next steps is to contact the state attorney general as well as a consumer attorney
03/13/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 19604	Web
I sent Arcadia an Accord and Satisfaction letter in XXXX and also in XXXX along with a {$150.00} money order to settle the debt being showing on my credit report. Along with the check was an agreement that if they cashed the check they agreed to remove the account from my credit report and report that I owe them nothing. I also wrote on the back of the check under the endorsement line the agreement. The check was cashed XX/XX/XXXX and I am still seeing this account reported on my credit report and stating I owe them {$390.00}. They have violated my rights and have violated our agreement.
10/05/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	PA 17701	Web
I've never received any information from Arcadia Recovery Bureau at all. They are reporting on my credit, and it is their job to notify me first for any such intrusion. I have disputed the account multiple times, in multiple ways, demanding that they validate themselves and their willful intrusion into my credit file, they have not responded! They are continuing to violate the laws by reporting the account and they are harming me and my finances! They've caused me extensive damages and I hope they understand that destroying peoples lives is not a game!
06/15/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	MA 01970	Web
A few years ago someone was using my social security number for their own advantage. I contacted the IRS and made them aware of the situation. I lived in XXXX, MA for the past 15 years and I also work there. I file my taxes every year and I use a pin number assigned to me by the IRS. I checked my credit report and someone went to a hospital in XXXX and got a bill for {$1700.00}. That person is using mu identity. I have XXXX XXXX XXXX XXXX of Massachusetts. That collection is ruining my credit, after I worked so hard to clear my name and credit.
03/06/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 195XX	Web	Older American
We recently moved into a new house and as part of the mortgage process I subscribed to XXXX regarding my credit rating. Nearly ten years ago I became quite ill and needless to say my credit report has reflected the unsavory chain of events. I was able to get a mortgage but through the process, the XXXX report shows six ( 6 ) delinquent accounts with the XXXX Hospital totaling {$1300.00}. Although I have no recollection of receiving these bills, I must request a debt validation and verification letter confirming details of the debt. I
06/15/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CT 06605	Web
I paid this debt, it was only {$30.00} so I paid it as soon as I got the letter. That was XX/XX/XXXX. I noticed it was still showing that I owe the {$30.00} on the XXXX so I called and was told they see that I paid and that it would be off by the XXXX. It's now the XXXX and it still shows that I owe the full {$30.00}. I do not. I am attaching a screenshot of the payment I made with my bank and that payment cleared and is not pending. The reference on the charge on my account is showing their phone number. I highlighted that line.
04/09/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 94551	Web
Original creditor claims that They were unfamiliar with collections agency and that I DO NOT HAVE ANY OPEN DEBT WITH THE ORIGINAL CREDITOR THEY SENT ME STATEMENT IN MY FAVOR ; Yet Their AFTER TELLING ME ON PHONE THEY WOULD WORK ON FIXING THIS I SHOULD TRY TO MYSELF?? My Insurance paid this {$480.00} bill I do n't owe anyone but collections agency ruined my credit score basically as my personal bank significantly lowered my credit line and gave false info as they left me with deragatory remarks with open collection unpaid.
04/13/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	PA 196XX	Web
arcadia recovery is reporting 4 accounts on my report that i have asked for validation of debt from them multiple times with no luck ... they keep coming back saying it is verified but they are not conducting a proper investigation ... .see my attachments and look at the date of last active on all of them ... notice 2 different dates..these accounts have all been re aged and i demand that they delete these now for not conducting a full investigation as these are not reporting 100 % accurately as required by law
07/01/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 781XX	Web
I started a dispute for my medical debt with XXXX XXXX XXXX XXXX on XX/XX/2021, the debt was bought by a collection company called Arcadia, I never signed the HIPPA act that is required in order to sell the debt, in addition, the collection agency didn't give me my right to dispute the debt. On XX/XX/2021 I sent a follow-up letter since they didn't respond to my previous request, XX/XX/2021 they still didn't respond so I sent a final follow-up letter, and by today ( XX/XX/2021 ) they still haven't responded.
09/26/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	NY 10023	Web
I just received a statement from the collection company regarding the debt they are referencing from a doctors office. They have called me over XXXX times. The person was nasty on the phone called me a liar was rude, told me I received the documentation and had to give them money immediately. He said they were coming after me if I did n't. He told me all these things were given to me that were n't. I sent them an official cease and desist letter and still they never provided me with what I requested.
11/30/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 19608	Web
i have contacted all 3 credit bureaus as well as the collection agency to challenge the 100 % accurate and factual reporting of an account showing up on my credit report " ARCADIA '' ... ... all 6 times that ive challenged it has come back verified as accurate ... how is this possible? I've always had insurance and i do not recall this debt at all ... ..looking at this account it has been re aged to mess me up and thats a violation ... ... ..i have attached a copy of the report with both accounts
02/04/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 95610	Web	Servicemember
I visited XXXX XXXX XXXX XXXX in XXXX XXXX California for an XXXX XXXX I used my military health insurance plan to pay the services. I later received a bill 6 months after that visit stating I owed XXXX dollars. I called the office and paid the bill over the phone. Not even 2 months later they had a collection item on my credit for XXXX dollars. I have called and called and have not gotten them to delete this off of my credit. I understand the amount is XXXX but it shows under collections.
01/06/2017	No	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	NY 111XX	Web
The debt collector contacted me. When I asked the name of the company and of the person contacting me and what is the name of the company I owe money to they did not provide any of these informations. They simply asked for my date of birth and address without allowing me to verify that this was not a scam pishing call. To the best of my knowledge I do not have any debt and this call is most likely a case of scam. I feel harassed, worried and anxious as a consequence of this treatment.
06/23/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 94568	Web
My daughter received XXXX services at XXXX facility, I had paid the {$25.00} copayment. Insurance statements and credit card statements confirm I paid the {$25.00} copayment. I sent a certified mail to debt colletor with proof of payment. I kept record that letter was received by debt colletor. After sending the mail, debt collector keeps calling statign they have not received any certified mail, that I still how {$25.00} + interests. I had to sent a fax with all information again.
07/02/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 94551	Web
I settled with Arcadia Recovery Bureau on XX/XX/20 in the amount of {$140.00} - with the agreement that they would close the account. On XX/XX/20 Arcadia Recovery Bureau reported to credit agencies that the account is still open and I owe them {$23.00}. Arcadia Recovery Bureau said they would email me a confirmation email - which they never did ( I even checked junk ). The confirmation # is XXXX. There is a pandemic and economic crisis and there is no excuse for these sick games.
10/26/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 193XX	Web
Arcadia Recovery Bureau keeps calling me and leaving messages despite nothing being owed to them and nothing in collections on my credit report, they won't tell me what the collection is for because I refuse to give them my personal information to verify. They called me again at XXXX so I called them back and the first rep I spoke to said that they didn't call me today and as I was telling them I don't want any additional contact or I would report them, she hung up me midsentence.
02/16/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 338XX	Web
There must be some mistake. I have written several letters to Arcadia Recovery and they have never responded to me. I have disputed these accounts with the credit bureaus, but it's verified. They must be sending the verification to the wrong address, or they must not have any information about the accounts. I am at a total loss for words. This feels like willful negligence. They are reporting multiple accounts and have never verified one of them to me!
02/26/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 193XX	Web
I have written Arcadia Recovery several times, and disputed the current account multiple times with the credit bureaus and Arcadia. Arcadia has never sent me anything at all. This is a violation of the FDCPA, they have to validate the debt at my request. They used to have multiple accounts with the exact same account number reporting and have corrected that with the credit bureaus, but still have sent me nothing at all. This is ridiculous!
04/28/2023	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 17111	Web
There has been a problem with billing with this company. This keeps coming back. In XXXX I was on medicaid. XXXX XXXX was paid through medicaid and financial assistance. The amounts were paid. I have not received any statements from XXXX XXXX stating I owed money because it was paid. Now in XXXX here we go again. Now its a different collector Arcadio stating I owe {$1300.00}. First it was the XXXX XXXX now its Arcadia.
02/11/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 19604	Web
I have disputed these 6 accounts multiple times, and I have not received anything in the mail from " Arcadia Recovery Bureau '' AT ALL! I am not sure the company even exists, I keep finding a college called Arcadia when I XXXX search, does this college teach credit reporting? I have no idea what to do or who to turn to. PLEASE HELP ME! 6 ACCOUNTS ON MY CREDIT AND THEY CAN'T EVEN SEND ME ONE PIECE OF MAIL! OUTRAGEOUS!
10/26/2015	No	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	VA XXXXX	Web
I received an alert indicating that there was a collection amount on my credit report. Since I did not receive a notification, I did not get a chance to verify or refute the information submitted to the credit bureaus. I contacted the original creditor ( hospital ) to verify and get the issue resolved, but Arcadia will not remove the information. The information being reported has negatively impacting my credit.
02/02/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 94551	Web
XX/XX/2021 {$780.00} To whom it may concern, Subject : HIPPA Authorization RE : Arcadia recovery bureau , llc I didn't not sign any HIPPA release form or give authorized Access to Arcadia recovery bureau to access my medical records in any way, this is an HIPPA violation. please provide affidavit signed under penalty of perjury that your organization has not violated any portion of the FCRA, FDCP, HIPAA
08/24/2015	No	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	PA 19027	Web
Caller ( Ph # XXXX ) claimed to be with Arcadia Recovery Bureau, asked for me by name, then asked for my birthdate as a verification. Caller refused to disclose the nature of the call unless I furnished her w/ my birthdate. I terminated the call. I have no knowledge of the agency named, but it 's evidently a collection agency. I 've no knowledge of any debts that would have been given to such an agency.
03/23/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CT 06320	Web
Arcadia claims I owe {$250.00} for XXXX XXXX received several months ago. Payment was sent to original creditir who's name is not available to me. Payment was made via XXXX XXXX money order, receipt was discarded several weeks ago, nowhere to be found. It appears payment lost/stolen in mail, if not received by original creditor.. In either case, lost or stolen, I will not make duplicate payment
11/09/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 196XX	Web
I have no contract with this company. This company is reporting a debt that they have no contract to collect. This company has illegally claimed to " certify '' this as accurate reporting but has failed after several request, to prove the contract that I have breached my duty to pay them. XXXX is has notified me that DISPUTED ITEM NOT LISTED ON CREDIT REPORT yet is still reporting.
05/25/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 195XX	Web
I Disputed this debt with Arcadia a few times and I am very displeased with my results. They have never sent me anything in the mail at all, yet continue to report debts on my credit. I have respectfully requested information as to why, and since I am a consumer, it is my right to identify the debts. They have failed to produce any reason at all for why they are on my credit.
04/20/2016	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	PA 19438	Web
During yhese numerous phone calls they are extremely rude but I have asked them on numerous occasions to send me copy of the bill so I can pay it and they have yet to do that. They just want me to give them my bank info over the phone and they get real nasty when I wo n't. I do n't know for sure if phone call is really who they say they are.
01/18/2020	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	NJ 086XX	Web
I was called repeated number of times from Arcadia Recovery Bureau and they kept asking me to pay this medical debt. Upon their insistence, I gave up my social security number but did not pay the medical debt as I requested a letter in the mail before the payment. Now after further research, it looks like an illegitimate company.
03/22/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95391	Web
Last Month, I sent this company a dispute to validate a frivolous account that they had reported on my credit report. Although mandated by law to ensure that the data they report on my credit report is 100 % accurate, I noticed that this company still reporting the account that they are unable to validate.
02/03/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 08234	Web
i requested for a debt validation letter for XXXX on XX/XX/2022. and the company has failed to validate my debt. instead they just sent a list of my medical records, which i know is a direct violation of XXXX regulations. i never signed a XXXX form authorizing them to have access to this information.
06/13/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 08002	Web
I paid this account on XX/XX/2020 and it is still showing as Negative Collection on my XXXX report as unpaid. I submitted a recent dispute with XXXX on XXXX XXXX and the dispute results outcome was an unpaid collection debt. Please report this debt from XXXX credit report as settled or XXXX balance.
07/24/2023	No	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	CT 06111	Web
This debt collector contacted me on XX/XX/XXXX via text which I didnt respond to. On XX/XX/2023 they sent the same text only this time I replied with STOP as the text message indicated in order to stop these text messages. Even though I told them to stop, I still got another text message today.
11/30/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	PA 17109	Web
XXXX XXXX XXXX placed a collection account onto my credit report for {$370.00} XX/XX/2017. This account was previously removed. According the FCRA I am to be given a 5 day notice before an account is reinserted. Please remove this account from my credit report you are in violation of the FCRA.
05/29/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	PA 196XX	Web
This 3rd party Collection agency has Medical Statements that violate the HIPPA Policy which are my medical records. This is a Violation to my rights and my privacy with the hospital and I never agreed to sign for a 3rd party collection company to have my personal medical records.
06/07/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	PA 196XX	Web
This 3rd party Collection agency has Medical Statements that violate the HIPPA Policy which are my medical records. This is a Violation to my rights and my privacy with the hospital. I never agreed to sign for a 3rd party collection company to have my personal medical records.
02/09/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	PA 19601	Web
XX/XX/2017 called in several times to speak with someone to find the total amount due. No answer. On XX/XX/2017 called again to make arrangements and they failed to take any arrangements except full payment. afterwards no response from collection company.
09/12/2016	No	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	PA 170XX	Web
Arcadia Recovery Bureau invaded my privacy and ran my credit report with XXXX despite having never notified me of at debt that they claim that I owe. To my knowledge, I have no outstanding debts I collection. I am also on the opt out list.
01/28/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 95348	Web
I contacted Arcadia recovery burea to inquire about a debt being reported. After providing information several ways, date of birth, social and name no account was found yet its being reported. Call was made on XX/XX/22 at XXXX
05/04/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 95136	Web
XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
07/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	NJ 08060	Web
im unable to get my XXXX report I have mailed them my proof of address and phone number and ID the bankruptcy is not mines and needs to be removed from all 3 reports. can you please help me
08/07/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PA 170XX	Web
This company is once again trying to collect a debt that they claim I owe but will not validate. I have asked them for verification before and they did not provide anything.
10/29/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 19131	Web	Servicemember
On XXXX XXXX I received a debt collection letter for {$4500.00} from ARCADIA This debt was paid off during my XXXX XXXX to XXXX and after my release.
07/05/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 19446	Web	Servicemember
I have attempted to contact the company in regard to a debt they claim I owe. They have not provided the proper information I have requested.
11/07/2019	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	NJ 077XX	Web
Repeated SCAM robocalls from XXXX XXXX ( or XXXX? ) at Arcadia Recovery Bureau at XXXX or XXXX. No such debt exists now or ever has.
07/26/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CT 06489	Web
My daughter who is XXXX XXXX XXXX is receiving notices to collect a dept that shouldn't even be in her name.
10/22/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 10128	Web
This is a scam call. I do not have any debt that has gone to collection or is otherwise outstanding
09/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 18951	Web	Servicemember
a debt keeps appearing under my name which I do not have,
09/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	PA 19608	Web
Delete all errors on credit report and my scores
12/23/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	PA 17111	Web
I 'm victim of identity theft
01/21/2024	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 19341	Web

12/12/2023	Yes	Debt collection I do not know	Communication tactics Called before 8am or after 9pm	OK 74110	Web

05/23/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 20111	Web	Servicemember

05/19/2023	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 Their investigation did not fix an error on your report	PA 19612	Web

05/18/2023	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 Their investigation did not fix an error on your report	PA 19608	Web

12/27/2022	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 18031	Web

12/22/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19131	Web

12/10/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19131	Web

11/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19131	Web

09/13/2022	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	CT 06111	Web

08/23/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19131	Web

08/17/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	FL 33311	Web

06/23/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 19506	Web	Older American

06/18/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CT 06810	Web

06/10/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 19606	Phone

05/31/2022	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	NJ 07601	Web

05/04/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	NJ 08035	Web Referral

04/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 94538	Web

04/20/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 08902	Web

03/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 94538	Web

03/11/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 08035	Web

03/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 196XX	Web

02/06/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 19608	Web

02/05/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 95152	Web

12/20/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 19551	Web

12/15/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 94560	Referral

11/17/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 94560	Referral

09/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 17922	Web

09/07/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CT 06473	Web

07/27/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 07631	Web

07/22/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 95351	Web

07/01/2021	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 Investigation took more than 30 days	CA 94541	Web

06/29/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32803	Web

05/26/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 94542	Web

04/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95376	Web

04/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95376	Web

04/13/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 92833	Web

04/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95207	Web

04/06/2021	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 Investigation took more than 30 days	PA 19601	Web

03/31/2021	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	PA 19602	Web

01/20/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 19103	Web

12/17/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 19560	Web

11/30/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours		Phone

11/10/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 19601	Fax

10/16/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 94560	Referral

10/07/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 95204	Phone

09/15/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 94560	Referral

09/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95824	Web

08/23/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 94502	Web

07/13/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt		Referral

06/23/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 94539	Web	Older American

05/23/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 95337	Web

02/10/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NY 11375	Phone

02/10/2020	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	PA 19464	Web	Older American

12/26/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 11223	Phone

11/26/2019	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	VT 05677	Web	Servicemember

11/22/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 20152	Web

04/11/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 18036	Fax

03/26/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 95368	Web

02/12/2019	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	PA 19147	Web

12/30/2018	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	OH 43119	Web	Older American

12/17/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 08609	Web

09/21/2018	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 95391	Phone	Servicemember

04/10/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	PA 19026	Web

01/19/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 94550	Web

11/10/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 90026	Web

10/26/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 90026	Web

10/23/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 90026	Web

09/21/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 17103	Web

03/15/2017	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	PA 17050	Web

01/06/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 77021	Web

01/06/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 77021	Web

12/23/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77021	Web

12/19/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 33134	Web

11/02/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	PA 19141	Phone

08/17/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NY 10305	Postal mail

08/16/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	CA 95329	Web

08/01/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 15801	Web

07/29/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NY 10004	Web

07/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	PA 19138	Postal mail	Servicemember

06/05/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	PA 17032	Web

03/18/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NY 10025	Web

02/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 94518	Web

02/01/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 94404	Web

01/19/2016	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 94605	Web

12/02/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	PA 19525	Web

11/25/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NY 10304	Referral

10/19/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Impersonated an attorney or official	PA 18603	Web

09/20/2015	No	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	CA 95206	Web

06/16/2015	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	CA 94538	Web

06/07/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	PA 19551	Web

06/01/2015	No	Debt collection Medical	Communication tactics Threatened to take legal action	CA 95133	Phone

05/20/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	PA 17233	Web

02/24/2015	No	Debt collection Medical	False statements or representation Attempted to collect wrong amount	PA 18064	Web

01/23/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 95762	Web

01/22/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	PA 19406	Web	Older American

01/13/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 95762	Web

01/13/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 95032	Web

01/04/2015	No	Credit reporting	Incorrect information on credit report Account status	PA 19609	Web

12/20/2014	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NY 12522	Web

12/14/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 94598	Web

09/30/2014	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 95014	Web

07/23/2014	No	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	CA 94544	Phone

07/17/2014	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 94086	Phone

07/11/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PA 15701	Web

07/10/2014	No	Debt collection Medical	False statements or representation Attempted to collect wrong amount	CA 95152	Web

06/16/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	PA 19143	Web