Arcon Credit Solutions LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
12/01/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	NY 148XX	Web
Arcon Credit Solutions is threatening to execute a judgment obtained without proper service, and there are concerns they might use it in a deceptive manner. I haven't informed them of this issue yet, fearing potential retaliation. Arcon Credit Solutions initially contacted me regarding an old debt in XX/XX/XXXX, representing XXXX XXXX XXXX XXXX. This was my first contact with them, and upon checking, I found the last activity on the account dated back to XX/XX/XXXX. In response, I disputed the debt due to exceeding the time limits for collection. I requested proof of the last activity date, stating that the debt surpassed the statute of limitations, and further discussion was unnecessary. They replied on XX/XX/XXXX, including a copy of a judgment granted on XX/XX/XXXX, which I was unaware of. They attempted to serve me at an address where I no longer lived, and hadn't for four years. Upon investigation, I found evidence suggesting they should have known about my new address. The lawyer who filed the suit, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, should have easily determined the correct address. This raises questions of either a failure in due diligence, an incorrect address from XXXXXXXX XXXX XXXX XXXX or a deliberate attempt to serve papers at an outdated address. The last possibility may seem like a strong allegation, but there are reasons supporting it : 1. I have a credit report from XXXX listing my current address since the change in XXXX, available to any collection agency. 2. Letters from XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, representing XXXX XXXX XXXX XXXX XXXX show they knew my correct address. Speaking with XXXX XXXX XXXX they told me that it is the responsibility of the collector and not the holder of the debt, XXXX XXXXXXXX XXXX XXXXXXXX to update the debtors address and will sue skip tracing if needed to get this information. As I prepared to inform the court about this, Arcon Credit Solutions sent another letter threatening to execute the judgment. Given the lack of my knowledge about this judgment and its potential deceptive use, there should be a way to prevent them from taking action. My plan is to notify the court in XXXX XXXX, New York, where the judgment was filed. I hesitate to directly complain to Arcon Credit Solutions, unsure if honesty is the best course given potential retaliation. I hope filing a complaint with your office will lead to a resolution without retaliation or deceptive practices from Arcon Credit Solutions. Contact Information : I have confirmed that XXXX XXXX XXXX, XXXX. now works at XXXX XXXX XXXX and can be contacted via ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. Verified through XXXX XXXX XXXX I have contacted XXXX XXXX XXXX XXXX Minnesota Location Corporate Headquarters and they told me to contact Acron. They are located at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX I found a compliance office contact at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Chief Compliance Officer - XXXX / XXXX. Arcon Credit Solutions XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) Contact name listed as XXXX XXXX
06/18/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NY 117XX	Web
I have a host of issues with these debt collectors however I picked the attempt to collect the wrong amount about my complaint. On my consumer report there is reported information about of an amount XXXX flat alleged owed however the collection agencies are asking for amounts of XXXX, XXXX and or XXXX federal law states they can not collect ANY amount unless expressly authorized. I have no agreement with this company and I never received any paperwork, no contract anything, that would allow me to validate anything 5 days after since this initial communication was sent to me. Instead I am told I have " generous settlement terms. '' Settlements only happen to avoid suits. All I see is settlements and settle within this notice and I am scared like XXXX? And I can confirm they are trying to scare me into believing this is a legal matter because they put on my consumer report " assigned to an attorney. '' This can't be legal! How can I possibly be sued without this information verified on amounts that are not consistent from two different debt collectors? Yeah one is named XXXX XXXX XXXX XXXX and they are telling me I allegedly owe them money by they said themselves they paid for the debt, so how is that even possible? Then they are telling me to not pay them but pay another company by the name of Acron Credit Solutions LLC. This seems like a scheme to defraud of money I do not owe either company. They have also committed debt parking by placing this false debt on my consumer report saying it was assigned to an attorney. I believe between debt parking and quoting settlements, this was a strong attempt to extort money from me illegally and I am asking for the CFPB to put an end to this situation please. I have been unable to use to extend my credit for the entire year of 2020 and this made it extremely difficult to get a job. I haven't been able to get reliable work because they always check my credit and see this stupid account on my credit report.
01/06/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA XXXXX	Web
In XX/XX/XXXX, I received a collection notice from the collection agency XXXX XXXX, stating that I owed the original creditor XXXX XXXX {$1100.00}. The debt was then purchased by XXXX XXXX. I had no prior knowledge of this debt and contacted XXXX XXXX for the background. I learned from XXXX XXXX that someone used my identity to open a money account in early XXXX. The person overdrew {$1100.00} from this account and never made a payment. In XX/XX/XXXX, I contacted XXXX XXXX and explained to them about the identity theft that the debt is not mine. I also filed a police report and a Identity theft report with the Federal Trade Commission. I also mailed XXXX XXXX a formal letter along with copies of identity theft and police reports ( see attached ). I also submitted copies of the reports to XXXX XXXX. In XXXX, I received a fraud packet from Arcon Credit Solutions, a collection agency that is related to XX/XX/XXXX. A fraud packet asked for details about the identify theft. I completed the package and sent it back along with a police report and identify theft. However, in XX/XX/XXXX, I still received another collection notice from Arcon Credit Solution stating the debt is now placed with them for collection ( see attached ). I called them and the representative told me that my identify theft report and fraud packet were denied. She was unable to give a valid reason of why it was denied and insisted I owed them the debt. I would like to submit this complaint as the debt was not mine. I have filed a police reports, identity theft reports, and signed affidavits that I am a victim of identify theft. Would you please help provide a solution to the situation as the collection agency is still going after me for a debt I do not owe. My concern is without a solution, they will continue to contact me and potentially impact my credit. Please let me know if you need further information to move forward with this complaint.
03/20/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CT 06450	Web
In XXXX XXXX XXXX XXXX closed my credit account with them. Im not sure why but I was paying off the credit card. In my credit report the credit card was marked as a charge off and not collections. On XX/XX/XXXX I received a notification from XXXX XXXX that between XX/XX/XXXX and XX/XX/XXXX of XXXX that my account with XXXX XXXX XXXX was removed from my credit report from it being 7 years which falls on the statute of limitations here in Connecticut. A few days later I received a phone call and Text message from Arcon Credit Solutions LLC that I owe a debt in the amount of {$4300.00}. Then on Friday XX/XX/XXXX I received a letter from Acron Credit Solutions about an attempt to collect a debt. The mail was marked for XX/XX/XXXX and that I had until XX/XX/XXXX to dispute the debt. This doesnt sit well with me whatsoever. I do have proof that I received the collection letter on said date because I signed up with USPS informed delivery. I will include a screenshot of the email from that said day. I appreciate the help that I will receive. Thank you.
06/27/2023	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	NY 10473	Web
I received a letter from Arcon Credit Solutions Reference # XXXX in care of XXXX XXXX XXXX XXXX. As per letter received give the option to dispute the matter by XX/XX/2023. I disputed the matter as according to the letter received before XXXX XXXX via USPS Express Mail and also emailed Arcon Credit Solutions at I disputed the amount claimed, requesting proof of all transactions, requested all signed documents with my signature from the previous creditor, requested the original creditor and address of the creditor in which XXXX XXXX XXXX purchased said account. However, Aaron Credit Solutions seemingly refuse to provide me proof of any kind. The reps. are calling my home, my cell phone being rude and harassing me. I followed their procedure as according to the letter sent by Arcon Credit Solutions before XX/XX/2023. That has not stop this company from harassing me and any family member that picks up the phone.
08/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	AL XXXXX	Web
In XX/XX/2022, XXXX XXXX XXXX ( ACS ) begun managing my private student loan from XXXX XXXX XXXX The balance at that time was {$5500.00} ( and XXXX cents ). Since then, I have made monthly payments of {$460.00} to XXXX. Currently, this loan 's balance is {$930.00} according to both my own records and XXXX ' website. However, the credit report I pulled today, XX/XX/XXXX, says the " Reported Balance '' of this account is, bizarrely, {$4100.00}. Not XXXX of the payments I have been making all year to XXXX appears on this report. I have also today submitted a dispute to XXXX and an e-mail inquiry to XXXX.
06/28/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	WI 53212	Web
I received information about a collection account for XXXX XXXX XXXX card backed by XXXX, which I do not recognize. I have had identity theft which has been reported since XXXX and even have fraud alerts and credit freezes. I have asked multiple times for a copy of the original contract with my signature as validation of the debt and that it's mine, again because I don't remember a XXXX XXXX XXXX backed by XXXX. They will not provide it to me, but will claim that statements showing charges and payments validate that it's my debt.
10/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91016	Web
I received multiple emails from Arcon Credit Solutions for a debt from the XXXX XXXX XXXXXXXX that they purchased and wanted to receive a settlement on. But, this debt is not mine, I have never opened an account with the XXXX XXXX XXXX and never even left California in my life. I have tried to contact them through email and phone to learn how to dispute the debt but there was no response. I would like to know how I can dispute this debt as it is not mine and do not want it to possibly affect my finances.
12/05/2022	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	IL 604XX	Web
A relative received a text from Arcon Credit Solutions regarding an attempt to collect a debt on my behalf. I have not received documentation regarding the debt or a text, like the relative did. When I contacted this agency, the woman I spoke with told me that they had sent me the documentation and even after telling her I have not received any documentation from them regarding this debt, she told me they had already sent it and would not send it and that this wont just go away.
05/31/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33431	Web
Arcon Credit management has been reporting a fraudulently taken out over 7 years ago to my credit report. The loan is past Florida statute of limitations for reporting. I have reached out multiple times in regard to this claim and was told that they researched my claim and found I am responsible for the debt. There is no proof beyond some minor paperwork that states I owe this money to Arcon
10/26/2023	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 92806	Web
Asked the debt collector to stop calling still called with numerous spam numbers, now they are reaching out to my family members telling them for me to call them to resolve my debt and is giving my family all info regarding the debt, from who I owe to all the info to pay the debt
09/25/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33435	Web	Older American
I received a letter To pay a debt from XX/XX/ {$6500.00} They say they will not report it to any credit reporting agencies. But they want me to pay it plus send information. I must respond by calling writing or mailing to them by XXXX XXXX I am afraid and am innocent.
12/13/2023	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	OK 740XX	Web
Arcon Credit Solutions has, as of yesterday, called me every 20-30 minutes with the calls starting at exactly XXXX. As of writing I have already recieved 5 calls and have over 20 calls from them yesterday
02/20/2023	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 94115	Web
Arcon Credit Solutions contacted my family regarding debt I had already resolved.
01/18/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60628	Web

08/27/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	TX 77357	Web

01/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AZ 85326	Web	Servicemember

10/25/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	GA 30234	Web

09/21/2022	Yes	Credit card or prepaid card Store credit card	Getting a credit card Card opened as result of identity theft or fraud	MD 21793	Web

08/30/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NY XXXXX	Web

03/28/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	IN 46402	Phone

10/19/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	SC 29178	Web

08/25/2021	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	NM 87109	Web	Older American, Servicemember