| 01/11/2021 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On or about XX/XX/20, I received a demand letter dated XX/XX/20 from ARCO regarding an alleged debt owed to XXXX XXXX XXXX. ( I am still trying to find this initial letter in my records ) I responded to the XX/XX/20 demand letter by placing a letter in the mail on XX/XX/20 ( attached ) disputing this alleged debt and requesting validation under Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). This letter requests " that you cease all collection activity while you collect the aforementioned information ''. I did not receive any validation response to my letter dated XX/XX/20.
However, months later, I received a " past due '' letter dated XX/XX/20 ( attached ) in violation of 15 USC 1692g Sec. 809 ( b ). See below.
" ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) 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 consumers right to dispute the debt or request the name and address of the original creditor. ''
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| 10/19/2023 |
No |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
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Web |
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1. Under Texas law, most creditors aren't allowed to garnish your wages except for court-ordered child support payments and spousal maintenance. ( Tex. Const. art. 16 28, Tex. Civ. Prac. & Rem. Code 63.004 ). Texas employers must also comply with garnishment orders for federal debts, like federal student loans and taxes. But not garnishment orders that involve consumer debts.
3. ARCO Collection knowingly and illegally garnished my paycheck knowing that I lived in Texas, this is unfair and deceptive on XXXX XXXX & ARCO Collection.
4. XXXX XXXX called my phone stating that he was the attorney for ARCO and if I paid him {$540.00}, + the processing fee & setup a by-weekly payment that he would stop the garnishment that day. XXXX XXXX is not the attorney for ARCO but a manager for ARCO. XXXX was DECEPTIVE 5. I was never contacted to restart payments by this creditor ( ARCO ), they immediately started garnishing me.
6. I am attaching the garnishment paperwork that I received from my employer, I am attaching my check stubs that shows ARCO broke the law and I am attaching my bank statement where XXXX XXXX contacted me stating that If I paid the {$540.00} that day that he would stop the garnishment.
7. 2 weeks later after I paid the {$530.00} to stop the garnishment another garnishment was taken from my paycheck. I called ARCO to speak to XXXX and XXXX stated that I owed him that payment for him having to garnish me.
8. XXXX XXXX ARCO Collection is - unfair, deceptive, or abusive acts or practices by writing rules, supervising companies, and according to the law.
9. Also, ARCO has not sent me a update of my balance after it was requested. I do not believe that XXXX and ARCO are following any laws that you set.
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| 06/23/2022 |
No |
- Debt collection
- Other debt
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- Threatened to contact someone or share information improperly
- Contacted your employer
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Web |
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XXXX XXXX with Arco Collection Services in XXXX TN is harassing me. She has been calling me several times a day for weeks now, and I have called her back and told her to stop calling me. She has continued to harass me and has now escalated to involving my employer. She contacted them on XX/XX/22 and asked for my personal information and employment verification. When she was told she would need a signed consent for them to speak to her, she provided a forged document to them immediately, withon just a coyple minutes. My HR was so suspicious of it that they called me! She is also, as of today XX/XX/22, calling and harassing my coworkers, calling the line that is for our patients to call in and be helped on. She has refused on these calls tp my job to provide any information on who she is or why she is calling, but demands information about me. She has been asked to stop calling ( all of this on a recorded line ) and refuses to stop. This behavior is unprofessional, ILLEGAL, and not to mention alarming and cause for concern for her mental wellbeing. She is complained about in every comment or review of this company that I found today online, complaints, and there were tons. I have the email with the forged document attached, it was forwarded to me by my Human Resources dept.
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| 04/09/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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I recently sold my home in XX/XX/XXXX. All liens that were against my home was paid off in full before I could sell the home. I opened an installment loan with a company XXXX XXXX on XX/XX/XXXX. I attempted to do a debt consolidation with a company called XXXX XXXX XXXX XXXX which never solved the issue, in which my XXXX XXXX XXXX loan was sold to a third party collection firm named Arco Collections. The original loan amount from XXXX XXXX was XXXX. Arco Collections had raised the loan amount total to XXXX stating that was interest applied to the loan. The payoff date later was good through XX/XX/XXXX, and my home was sold on XX/XX/XXXX. The loan is paid in full, and closed ; but the company XXXX XXXX refuse to cancel the balance to 0.00, and states charge off on my credit report as if I still owe a payment I have all legal paperwork to include that it was paid off.
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| 04/05/2021 |
No |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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This is not my debt. I have been paying this debt for years. I call to make a payment in XXXX of 2021. The lady was verifying my information and she said what kind of car I was paying for. I asked her to give me the information again and that is not right. She said you been paying this for years now. I said I was never told what kind of car only that you were garnishing my check. I had just had my check garnished. I got a letter from a attorney that it was paid in full. I talked to man last name XXXX who was very very rude. Arco Collection in XXXX, Tennessee had stolen money from me for years and knowing full well this debt is not mine, I deserve all my money back from these bullies. I want my money back they stole from me for years now I was bullied into paying these bullies. They will not give me any paper work nothing. No details!
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| 03/11/2020 |
No |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX in XXXX, TN filed suit to collect a debt allegedly owed to XXXX XXXX XXXX or about XX/XX/XXXX. I was not served or provided notification of a case or a debt held by the agency. A levy was subsequently laced on XX/XX/XXXX. I have contacted the agency, and advised that no notice was left at my residence, nor was any notice received. The biller has refused to provide a detailed transaction summary, verification of debt, or detailed balance. The original biller, XXXX XXXX did not provide credit for financed insurance policies, and declined to honor a XXXX XXXX XXXX claim requested in XX/XX/XXXX.
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| 03/02/2022 |
No |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Hello, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ; XXXX, TN XXXX ; XXXX personal loan # XXXX has been placed in collections with malicious intent. The loan was reported to the credit bureau as 30 days late XXXX & XX/XX/2020. The loan was place into collections with Arco Collections ; XXXX XXXX XXXX, XXXX XXXX ; XXXX, TN XXXX ; XXXX after according to XXXX XXXX being late 30 days.
The monthly payment on the loan was 280.00. The loan was being paid.
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| 04/14/2021 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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I have tried to work out a payment arrangement with this company and the collection manager, refused to accept my payment arrangement.
She has threatened to sue me on numerous occasions. She refuses to work out an arrangement with me because I can not pay what she has demanded from me.
She have caused me XXXX XXXX
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| 05/08/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I am writing this due to non-compliance with the ( Arco Collection Service LLC ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
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| 11/18/2021 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Referral |
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| 11/17/2019 |
No |
- Debt collection
- Payday loan debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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| 10/08/2019 |
No |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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