ARS National Services, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
06/12/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NJ 07304	Web
is attempting to collect a fee from me that I do not owe them, here is my letter, and is attached as PDF, Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , new jersey state ZIP EXEMPT [ near XXXX ] RE : Account # unknown To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation proving my obligations to perform or comply, that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made purs uant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request th at your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit burea us ( XXXX , XXXX , XXXX XXXX ), this acti on might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 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, ( w hich it already has ). I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail 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 file and a copy of such deletion request shall be sent to me immediately. This also includes not contracting with other credit reporting companies or debt collectors using means of extortion in attempt to collect something that was never due. There is also the matter of information breach which XXXX puts me at risk currently, It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any credito r regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Memorandum in support A misrepresentation is an assertion that is not in accord with the truth. When a person enters a contract because of his justifiable reliance on a misrepresentation about some important fact, the contract is voidable. Misrepresentations c an be either : 1. innocent ( not intentionally deceptive ) or 2. fraudulent ( made with the knowledge of falsity and intent to deceive ). Contracts induced by misrepresentation or fraud are generally considered voidable. This means that the person whose consent was not real has the power to rescind ( cancel ) the contract. The elements of misrepresentation and fraud are as follows - notice the similarities. ( authors addition ) Innocent misrepresentation Fraud 1. Untrue assertion of fact ( or equivalent ) 2. Assertion relates to material fact 3. Actual reliance 4. Justifiable reliance 1. Untrue assertion of fact ( or equivalent ) 2. Assertion made with knowledge of falsity and intent to deceive 3. Actual reliance 4. Justifiable reliance 5. Economic loss ( in a tort action for damages PARTS OF A LAWFUL CONTRACT 1. Parties competent to contract The parties to a contract should be competent, being of the age of consent, of sound mind, not disqualified from contracting by any law to which s/he is subject. A flaw in capacity may be due to minority, lunacy, idiocy, drunkenness or kind. The parties should be of like kind, being either artificial Legal Entity and artificial Legal Entity, or living Man/Woman and living Man/Woman, allowing more than two parties but never a mixture of these kinds. 2. Free and genuine consent The consent of the parties to the agreement must be free and genuine. The consent of the parties should not be obtained by misrepresentation, fraud, undue influence, coercion or mistake. If the consent is obtained by any of these means, then the contract is not valid or lawfully enforceable. 3. Full disclosure When negotiating a contract, full disclosure is the act of providing all material information, or telling the whole truth, about any matter which may influence the decision-making of the other party or parties before they decide to enter into a contract. 4. Sufficient consideration The consideration is something of value possessed by the parties that is brought to the contract table. This something of value is bargained for and given in exchange for a promise or a performance. The parties must each receive a benefit and each suffer a detriment. To be enforceable, a contract must have sufficient consideration. A contract is unenforceable if it has insufficient or unequal consideration without agreement. 5. Certainty of terms The Terms and Conditions of the contract must be fully disclosed and agreed upon, and must be certain and fixed, i.e. not variable as with interest rates. 6. Meeting of the minds A meeting of the minds consensus ad idem, occurs between the parties when they recognise each other, understand their mutual obligations, and agree. This meeting of minds can only occur between like kinds, being Legal Entity with Legal Entity, or Man/Woman with Man/Woman. A corporation and another corporation may enter into contract by way of accommodation parties, and a sentient being and another sentient being may enter into a contract directly, but a corporation and a sentient being together can not enter into a contract as they are not of the same and equal kind. 7. Signatures or autographs Written contracts between Legal Entity actors must carry the wet ink signatures of the parties, each wet ink signature being anaccommodation from a Man/Woman. Written contracts between living Men/Women must carry the wet ink autographs of the parties, and/or living identification such as a thumbprint. Living standing is recognised by a thumbprint, or more often by an unambiguous declaration with the autograph, such as authorised agent written below. 8. Privity of contract A contract exists only between the parties. No third-party can obtain rights contained within a contract, or buy or sell a contract, without the express permission of t he original parties. Best Regards XXXX XXXX cc Federal Trade Commission
06/12/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NJ 07304	Web
ARS national services is guilty of information breach, they are using my personal information without my consent, and i will be contacting a lawyer to seek counsel, this is against the law what they are attempting to get away with, A breach occurs when a customers personal information was, or is reasonably believed to have been, accessed by an unauthorized person. N.J.S. A. 56:8-163 ( a ). Upon discovering the breach, the first step is to notify the Division of State Police, in the Department of Law and Public Safety, for investigation or handling. 56:8-163 Disclosure of breach of security to customers. 12. a. Any business that conducts business in New Jersey, or any public entity that compiles or maintains computerized records that include personal information, shall disclose any breach of security of those computerized records following discovery or notification of the breach to any customer who is a resident of New Jersey whose personal information was, or is reasonably believed to have been, accessed by an unauthorized person. The disclosure to a customer shall be made in the most expedient time possible and without unreasonable delay, consistent with the legitimate needs of law enforcement, as provided in subsection c. of this section, or any measures necessary to determine the scope of the breach and restore the reasonable integrity of the data system. Disclosure of a breach of security to a customer shall not be required under this section if the business or public entity establishes that misuse of the information is not reasonably possible. Any determination shall be documented in writing and retained for five years. b.Any business or public entity that compiles or maintains computerized records that include personal information on behalf of another business or public entity shall notify that business or public entity, who shall notify its New Jersey customers, as provided in subsection a. of this section, of any breach of security of the computerized records immediately following discovery, if the personal information was, or is reasonably believed to have been, accessed by an unauthorized person. c. ( 1 ) Any business or public entity required under this section to disclose a breach of security of a customer 's personal information shall, in advance of the disclosure to the customer, report the breach of security and any information pertaining to the breach to the Division of State Police in the Department of Law and Public Safety for investigation or handling, which may include dissemination or referral to other appropriate law enforcement entities. ( 2 ) The notification required by this section shall be delayed if a law enforcement agency determines that the notification will impede a criminal or civil investigation and that agency has made a request that the notification be delayed. The notification required by this section shall be made after the law enforcement agency determines that its disclos ure will not compromise the investigation and notifies that business or public entity. d.For purposes of this section, notice may be provided by one of the following methods : ( 1 ) Written notice ; ( 2 ) Electronic notice, if the notice provided is consistent with the provisions regarding electronic records and signatures set forth in section 101 of the federal " Electronic Signatures in Global and National Commerce Act '' ( 15 U.S.C. s.7001 ) ; or ( 3 ) Substitute notice, if the business or public entity demonstrates that the cost of providing notice would exceed {$250000.00}, or that the affected class of subject persons to be notified exceeds 500,000, or the business or public entity does not have sufficient contact information. Substitute notice shall consist of all of the following : ( a ) E-mail notice when the business or public entity has an e-mail address ; ( b ) Conspicuous posting of the notice on the Internet web site page of the business or public entity, if the business or public entity maintains one ; and ( c ) Notification to major Statewide media. e.Notwithstanding subsection d. of this section, a business or public entity that maintains its own notification procedures as part of an information security policy for the treatment of personal information, and is otherwise consistent with the requirements of this section, shall be deemed to be in compliance with the notification requirements of this section if the business or public entity notifies subject customers in accordance with its policies in the event of a breach of security of the system. f .In addition to any other disclosure or notification required under this section, in the event that a business or public entity discovers circumstances requiring notification pursuant to this section of more than 1,000 persons at one time, the business or public entity shall also notify, without unreasonable delay, all consumer reporting agencies that compile or maintain files on consumers on a nationwide basis, as defined by subsection ( p ) of section 603 of the federal " Fair Credit Reporting Act '' ( 15 U.S.C. s.1681a ), of the timing, distribution and content of the notices. L. 2005, c.226, s.12.
03/06/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 28443	Web
I received a XXXX XXXX letter from ARS in California in XX/XX/XXXX. The letter stated XXXX XXXX had turned over my account for collection in the amount of {$14000.00} which I owed to XXXX XXXX. I contacted ARS and asked why they had my account I had been paying my account.I was told they received the account from XXXX XXXX to collect. I was shocked it had been turned over for collection. I requested to have 1 payment moved on the account. I was in the process of getting a equity line on my home to pay off the account to XXXX XXXX. I was not told it was going to collection. I thought my payment would be moved and it was handled. I was told by XXXX XXXX I needed to pay ARS they no longer had the account. I verified the amount and told them the closing attorney was sending a check from the trust account to pay off the loan. I confirmed the amount and requested them to send me a receipt showing the account was paid and closed. I asked to pay XXXX XXXX direct and I was told to pay ARS and they would send the funds. I confirmed all these details XX/XX/XXXX and they agreed to furnish me a payoff letter and the amount. I contacted ARS on XX/XX/ and spoke with XXXX and confirmed the amount ( XXXX ) according to their letter and confirmed this would clear the account with XXXX XXXX and I would get my letter, she agreed and confirmed the details. I was told it would take 5-6 days for the funds to clear and post to my account.I should call back. I called back XX/XX/XXXXand was told it had been paid and XXXX XXXX would forward my letter and show the account paid. I called XXXX XXXX back in mid XX/XX/XXXX and they said " yes '' it's paid and they were working on updating my account and they would mail my payoff letter. I called again onXX/XX/XXXX @ XXXX and spoke to XXXX XXXX He was very nice and said he saw it was paid and would need a supervisor to help. I was on hold for a very long time, over XXXX minutes. He keep coming back and apologized for the wait and said he needed a supervisor to adjust the account. Finally, he came back and stated that it was paid off. Then he informed me I owed another {$500.00} because of additional interest. I was very upset at this point! I explained the whole process and that I had follow their instructions to the letter, according to ARS and XXXX XXXX. I stated that I tried my best to work with them and they did not meet the agreement we had. I explained you can't accept my payoff and after the fact, decide you want to continue charging interest on a closed account. He put me on hold again. Then he lost the call. They didn't reach out to me again or call. If this wasn't enough, they reported my account 30 days late after we had spoken and worked out the payoff! I had my account for XXXX years with them and was never late. They sent it to collections without notice, accepted my payoff, refused to clear my account, added XXXX and showed a 30 day late ... ..This is not how you do business. I told them I would not pay the additional XXXX they wanted to charge. The account has been paid off. I want no further dealings with either company. All I want is my letter showing paid and the 30 day late removed. It should have never been entered. I hope this can be resolved with your agency. I decided to contact you instead of posting reviews of how poorly these two companies handled this situation. Thank you.
06/12/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07304	Web
ARS national is trying to collect money i do not owe them, I 'm not their customer, I 'm not their consumer, I 'm not their member, I never accepted their services, and they do not have a valid contract with me!!! CAN YOU SHOW ME A VALID CONTRACT WITH MY SIGNATURE,?? AND I DONT CARE WHO YOU ARE AND WHAT YOUR RULES ARE, THEY DONT APPLY TO ME!!! PARTS OF A LAWFUL CONTRACT 1. Parties competent to contract The parties to a contract should be competent, being of the age of consent, of sound mind, not disqualified from contracting by any law to which s/he is subject. A flaw in capacity may be due to minority, lunacy, idiocy, drunkenness or kind. The parties should be of like kind, being either artificial Legal Entity and artificial Legal Entity, or living Man/Woman and living Man/Woman, allowing more than two parties but never a mixture of these kinds. 2. Free and genuine consent The consent of the parties to the agreement must be free and genuine. The consent of the parties should not be obtained by misrepresentation, fraud, undue influence, coercion or mistake. If the consent is obtained by any of these means, then the contract is not valid or lawfully enforceable. 3. Full disclosure When negotiating a contract, full disclosure is the act of providing all material information, or telling the whole truth, about any matter which may influence the decision-making of the other party or parties before they decide to enter into a contract. 4. Sufficient consideration The consideration is something of value possessed by the parties that is brought to the contract table. This something of value is bargained for and given in exchange for a promise or a performance. The parties must each receive a benefit and each suffer a detriment. To be enforceable, a contract must have sufficient consideration. A contract is unenforceable if it has insufficient or unequal consideration without agreement. 5. Certainty of terms The Terms and Conditions of the contract must be fully disclosed and agreed upon, and must be certain and fixed, i.e. not variable as with interest rates. 6. Meeting of the minds A meeting of the minds consensus ad idem, occurs between the parties when they recognise each other, understand their mutual obligations, and agree. This meeting of minds can only occur between like kinds, being Legal Entity with Legal Entity, or Man/Woman with Man/Woman. A corporation and another corporation may enter into contract by way of accommodation parties, and a sentient being and another sentient being may enter into a contract directly, but a corporation and a sentient being together can not enter into a contract as they are not of the same and equal kind. 7. Signatures or autographs Written contracts between Legal Entity actors must carry the wet ink signatures of the parties, each wet ink signature being anaccommodation from a Man/Woman. Written contracts between living Men/Women must carry the wet ink autographs of the parties, and/or living identification such as a thumbprint. Living standing is recognised by a thumbprint, or more often by an unambiguous declaration with the autograph, such as authorised agent written below. 8. Privity of contract A contract exists only between the parties. No third-party can obtain rights contained within a contract, or buy or sell a contract, without the express permission of the original parties.
06/10/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32824	Web
I XXXX XXXX am a person, non-adverse, non-belligerent, non-combatant party and executer with full life. I am in possession of my credit reports with your voluntary submission of alleged account in question. As you keep reporting the alleged account verified and accurate. I herby dispute this alleged account in its entirety and request the removal of it from my consumer report. This letter also constitutes as a cease and desist, for you ARS NATIONAL SERVICES INC to stop all attempts at collecting this alleged debt owed to you. This letter is addressing XXXX, XXXX, XXXX and you the direct data furnisher of this subterfuge. ARS NATIONAL SERVICES INC must herein provide a true and certified original copy of the complete audit trail under penalties of perjury of said account, pursuant to 15 USC 1692g of FDCPA. Furthermore in order for ARS NATIONAL SERVICES INC to validate this debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P, IFRS, in accordance with BASEL3 and U.N.C.I.T.R.A.L. Conventions. I will also need a certified copy of the original contract with my wet ink signature between me and ARS NATIONAL SERVICES INC. Providing that ( Company Name ) is the holder in due course of the original debt contract and a certified original copy of your Tax Registration Certificate. I also request the following documentations listed bellow to be certified and sent with your response. Full accounting for this account Copy of the assignment of purchase from the creditor Every charge and what was purchased, fees, payment, credit, interest paid ) How you calculated what you claim I owe Full chain of assignment from charge off to present Proof that you own the debt with full clear title Proof that you were on the original contract All should be certified and presented to me with a certificate of testimony that the allege account is 100 % accurate and belonging to me. I also request certified testimony that your company, branches, and or offices were in full compliance with the FCRA and all of its mandated rules when it comes to reporting accurately. Please also provided certified testimony on how you validated this debt to all credit reporting agencies and any and all third party reporting agencies you have reported to. ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX sect. XXXX ) & XXXX XXXX XXXX XXXX XXXX ) Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts If you can not provide me with each and every item listed above then you must remove this account from all three of credit reports immediately according to the FDCPA. If you verify this inaccuracy for the credit bureaus without providing me with all of said listed items you are in violation of the law, which carries a fine of {$1000.00} per violation. Any communications not received by certified mail under the Penalties Of Perjury will be refused for course without dishonor and defective upon its face. Failure to substantiate the claim under Penalties Of Perjury, please settle this account immediately within ( XXXX ) days. Notice To Agent notice to principal All Rights Reserved Without Prejudice U.C.C XXXX
11/24/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MN 55904	Web	Servicemember
Re : Debt Validation and Cease and Desist Dear ARS : I am responding to your contact about a debt you are trying to collect. You contacted me about a debt on XXXX that I do not owed. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of the debt. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Please only contact me to let me know that you will cease and desist from asking me about a debt I do not owe .In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute, and cease reporting this debt to the credit bureaus until you can provide me with all this information.
04/05/2022	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	MN 55404	Web
On the morning of XX/XX/XXXX I received a debt collection call from an unknown VoIP number. I returned the call and was informed I was a contact for somebody they were attempting to collect from. I requested the agent identify the company he was calling from, but they could only tell me it was regarding a financial matter and asked me if I could relay their message to the target party. When I declined because I wasn't sure who I was talking to, they insisted I still relay their message anyways. I called them back from a separate number to protect my own identity from further abuse. I was connected with the same agent, who then attempted to verify me using the last four digits of the other parties social. I do not know the person they were trying to contact, despite this, they believed I was them because I " vaguely identified myself. '' Instead of asking me to verify myself and my identity, the agent released PII to me in the form of the last four of the target parties social in an attempt to verify my identity. After telling them that was not a lawful disclosure, they forwarded me to their supervisor, who skillfully avoided liability on his or their agents behalf. This is where they went wrong : instead of asking me to tell them my social, they disclosed somebody else 's social security number instead. This is a willful disclosure of PII and they apparently have no intention to report this accidental disclosure. In fact, upon contacting them via their webchat about this, they would still not accept any kind of liability and dodged my questions, talking over me or ignoring specific details. They instead told me they are not related to ARS debt collection at all upon realizing my intention, and I would have believed them about not being related, until I was told to " Try XXXX. '' so without leaving the chat, I searched XXXX for ARS national, their supposed business. The first result is ARS National, a debt recovery operation. A flat out lie on that agents part before. I informed them of my discovery on XXXX, and at that point they were ready to cooperate in helping me with repayment by asking me for my name. I declined. At the very least, they should be held accountable for willful and negligent disclosure of their clients PII. This is dangerous because that information could be used to further identity theft and fraud. They appear to be trained to immediately deny any liability or involvement when this happens. When I spoke to a supervisor at ARS and told them what happened, instead of listening and acknowledging that one of their agents is improperly identifying people by handing out their social security number instead of requesting it in a secure manner in accordance with the law, they still insisted I forward their message to somebody I have never met. I won't let this go until I know ARS national is held responsible for years of unlawful practices. I am fed up with these types of operations believing they are above the law. I owe nothing to them, why should my morning be spent dealing with a shady organization? Why should anybody deal with these, for lack of a better description, mafiosos?
11/25/2019	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	DE XXXXX	Web
Within this past couple of weeks, I have received several calls from someone saying that if I did not pay a collection that everything attached to my social security number would be seized. The individual who called me was XXXX XXXX, she called on Monday, XX/XX/2019, at XXXX XXXX She advised that she works for a Law Firm and is reaching out to the XXXX XXXX XXXX to have them garnish my wages. I called her later that day and then she advised she worked for a collection agency who was attempting to collect a debt from CashNetUSA. I received an email from CashNetUSA at the end of XXXX stayed that they sold my debt to a collection agency. I received a call today from a Delaware number and when I answered the lady asked for me, I said hello, and was getting to ask her where she was calling from, and before I could speak she rudely spoke over me, so I disconnected the call. She called back and left a voicemail advising that me hanging up was not a good option and that they will garnish my wages and my school checks. This lady called Monday, XX/XX/XXXX at XXXX XXXX I called the number she left on my voicemail on XX/XX/2019, at XXXX XXXX. and someone else answered the phone, but they already knew who I was because they asked they stated my name. I asked them the name of the company because I keep getting harassed and the guy told me the name of the company as XXXX. He then transferred me to the person who was handling my case. And it was the same lady from earlier that left the nasty, condescending voicemail on my phone. I begin to tell her that if she is not professional, then I do not want to deal with her, but before I could state she begin to get nasty over the phone and try to over talk me. So I continued I would not let her speak, and she then disconnected the call. I called back and got another person, and he then acted as if he did not who I was calling, and I told him them to stop calling me and harassing me, and that the person he transferred me to was very rude and I do not want her calling my phone, nor do I want to work with her with anything. I called the number she left on my voicemail on XX/XX/2019 at XXXX XXXX. and someone else answered the phone, but they already knew who I was because they asked they stated my name. I asked them the name of the company because I keep getting harassed and the guy told me the name of the company as XXXX. He then transferred me to the person who was handling my case. And it was the same lady from earlier that left the nasty, condescending voicemail on my phone. I begin to tell her that if she is not professional, then I do not want to deal with her, but before I could state she begin to get nasty over the phone and try to over talk me. So I continued I would not let her speak, and she then disconnected the call. I called back and got another person, and he then acted as if he did not who I was calling, and I told him them to stop calling me and harassing me, and that the person he transferred me to was very rude and I do not want her calling my phone, nor do I want to work with her with anything.
10/08/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NY 11580	Web	Older American
I received a telephone message on XX/XX/XXXX at XXXX XXXX and XX/XX/XXXX at XXXX XXXX ( see attached voicemail transcripts by my phone carrier ). I returned the initial call at XXXX XXXX and left a message for XXXX XXXX at XXXX. On the following day, XX/XX/XXXX, I called again and spoke with XXXX XXXX XXXX who identified herself as being from XXXX XXXX in North Carolina. XXXX XXXX XXXX stated that they have offices in many places. ) She stated that I had an outstanding balance with XXXX of {$7100.00} and she was prepared to offer me pandemic relief for half the amount {$3500.00} as a settlement of this debt. I explained that I did not owe this debt and had in fact settled this {$7100.00} XXXX debt via another agency, ARS National Services, in XXXX. She advised me to send documentation of payment to XXXX, which I forwarded on XXXX XXXX on XX/XX/XXXX. ( I initially sent this to the wrong email address : XXXX. When I received a notice from my email carrier stating this was not deliverable, I forwarded the email to the correct address. ) I spoke with XXXX XXXX of XXXX XXXX at XXXX again today XX/XX/XXXX at XXXX XXXX in response to her voicemail message at XXXX XXXX. ( She initially provided a different number XXXX. ) She stated that the documents from ARS did not state paid in full, and that the account to which XXXX alleges is in question is XXXX for {$7100.00}. This is the EXACT AMOUNT referenced under ARS account number XXXX. Firstly, I notified XXXX XXXX that I did not receive notification of this alleged issue in writing of and she replied, things are different these days. Further, I requested a validation letter substantiating this alleged debt. XXXX XXXX indicated that this this would have to come from another unspecified entity ( To to me, meant that they were not the party responsible for this and I believe that this is incorrect ). XXXX XXXX stated that she will mark the file as disputed and stated that I should take my documents to court. As I had only ONE XXXX XXXX, I believe that XXXX XXXX is attempting to collect a debt that was resolved in XXXX by another agency, ARS National Services. ( In addition, I believe that the statute of limitations may also be a factor, since this matter is now over 8 years old. That being said, I am sure that this debt was already paid. ) I provided the following documentation to XXXX XXXX and am attaching them herewith : ( A ) Statement from ARS Natonal Services , Inc. which indicates the amount owed of {$7100.00}. ARS Natonal Services offered several payment options, to resolve this delinquent account. I chose payment plan number 3 for three separate payments of {$1600.00} to settle my account due on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. ( B ) Three bank statements which indicates three withdrawals drawn on my bank on the following dates : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All were automatic deductions from my account. In addition, I am attaching herewith copies of phone messages left for me on my voicemail and transcribed by my phone carrier, two of them threaten legal action.
03/06/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NY 11580	Web
Uploaded to this claim are two correspondences sent by ARS NATIONAL SERVICES INC in reference to a XXXX XXXX. credit card account. In response to these two correspondences I spoke to agents on the phone and ultimately responded to their claim in the mail multiple times. One such correspondence is uploaded for your examination. I have received no response from ARS NATIONAL SERVICES INC in order to validate their claim other than the letters dated XX/XX/XXXX and XX/XX/XXXX that are uploaded to this complaint. The date of this complaint is XX/XX/XXXX. We are approaching two years since ARS NATIONAL SERVICES INC initially sent out their correspondences and they have yet to validate the debt they are attempting to collect on. My XX/XX/XXXX correspondence is a conditional acceptance to honor the debt that ARS claims to have but they have failed to provide any of the conditions set forth in that XX/XX/XXXX letter. ARS NATIONAL SERVICES INC is currently engaging in unfair and/or deceptive acts or practices. I have no contract absent their purchase of a consumer debt. I required debt validation from them via phone and/or correspondence to make available the documentation that proves that XXXX XXXX. is the assignor of the debt that they hold. They are unable to supply this documentation and they continue to cause the estate of XXXX XXXX XXXX harm by negatively impacting its credit profile. I previously settled a similar situation with another company like ARS NATIONAL SERVICES INC. This company removed the account they were holding from all credit reporting agencies yet ARS NATIONAL SERVICES INC refuses to follow suit. The case that was withdrawn by the plaintiff in XXXX COUNTY DISTRICT COURT also references this account and the fact that not only is the debt satisfied but that a company like ARS NATIONAL SERVICES INC can not legally and/or lawfully collect on it. ARS NATIONAL SERVICES INC 's initial correspondence dates back to XXXX of XXXX yet they have not filed any action with XXXX COUNTY DISTRICT COURT to collect on the debt they say is owed to them. The reason they have not is because they realize legal action is not possible given their position. Consumer debt sales are regulated by federal/state agencies and protected under laws enacted for commerce. The Federal Trade Commission ( FTC ) is one of these agencies and they protect the public fromunfair or deceptive acts or practices. This applies to all products and services not just offered by banks, but to every stage and activity, from product development to the creation and rollout of marketing campaigns, and to servicing includingcollections. The act/practice of debt sales has been shown to be unfair, and directly violates the FTC 's section 5, by causing or likely to cause substantial injury to consumers. The name XXXX XXXX XXXX XXXX and any variation thereof is also trust property of the XXXX XXXX XXXX XXXX XXXX. As described in other complaints with other institutions, XXXX XXXX XXXX XXXX is using trust property without authorization of the XXXX trustees managing the trust.
01/01/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	TX 75115	Web
Opened an account with XXXX XXXX while making a purchase in the store in order to receive a discount. Total amount came to {$150.00}. This total amount was paid via electronic issuance from my bank XXXX XXXX XXXX XX/XX/XXXX. No other purchases were made on this account. Received a statement from XXXX showing a balance the next month. My thought was that the payment had not been received at the time of the statement generation. Received another statement the next month that included a late fee on the statement. I contacted XXXX and indicated that they made a mistake and that payment had been made to them. They requested proof of payment which I provided. There was an issue with the account number however, they assured me that they would be able to locate the payment by name/ dollar/ amount and trace information provided by the bank. They indicated that was probably the issue with the delay of application to my account. They removed the fees and a few months later it happened again ... I repeated the same thing and then they removed the fees and made a notation and submitted the account for research. I provided information again and also hosted a 3-way call with my bank. The bank confirmed the payment. I also provided a copy of my statement showing the money being taken out of my account. About 6 more months went by and I started getting collection calls. To each one I told the representative the same thing and provided the same information. Finally I wrote a letter to the CEO complaining and received a call back from customer service. They took the issue under advisement and promised they would resolve it. The collection calls continued and I tried desperately to get it resolved. By this time it had been over a year and XXXX XXXX XXXX was negatively impacting my credit as well another account that I had with XXXX XXXX for my XXXX XXXX account was directly negatively impacted. I received letters from XXXX XXXX informing me that they were lowering my credit limit from the current {$1200.00} to {$800.00} then it went to {$600.00} and now to {$300.00}. This happened each time I paid down my balance. I went back and forth between my bank and XXXX XXXX both holding their positions. XXXX maintaining that the payment was made and accepted by XXXX and XXXX maintaining that they never received my payment and it was still owed. In XX/XX/XXXX/ XX/XX/XXXX I started received collection calls from ARS National Services indicating that they had ownership of this account and I had a balance of {$430.00}. I explained everything to them and provided the same documentation. They said they would note the account and open an investigation. At the end of XX/XX/XXXX I received a letter from ARS stating they received a debt validation request for the account with copies of the XXXX statements and indication that the debt is still owed. At this point I am not sure who is at fault, XXXX or XXXX however, what I am sure of is this money came out of my account and was sent and this has been paid and is not owed.
03/28/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MO XXXXX	Web
The following are scam transactions XXXX, XXXX Online Store XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Online Payment Fraud, 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 are all sc ams either by local criminal suspect XXXX XXXX XXXX in XXXX XXXX , MO XXXX , USA scam mers, and overseas scammers. Some are on line payment fraud where deposit was was made then withdrawn before deposit funds were rejected. XXXX XXXX - Lost and Stolen Fraud refuses to cooper ate, to provide documentation requested, and to properly trace down scammers. In addition, push back to XXXX XXXX rather than work with us to provide necessary documents to track down the se scammers through legal authorities.We suspect someone at XXXX ( now XXXX XXXX XXXX XXXX XXXX ) ( XXXX -- XXXX ) and XXXX XXXX XXXX ( XXXX ) to be some of the scammers. In addition I have traced some transactions to XXXX. Without cooperation from XXXX, we can not co mplete documentation to resolve and find scammers. News Release XXXX XX/XX/2020. The Office of the Controller of Currency ( OCC ) took actions based on the bank 's unsafe or unsound ba nking practices for its long-standing failure to establish effective risk management and data govern ance programs and internal controls. This failure also resulted in a violation of 12 CFR Part 30, App endix D, " OCC Guidelines Establishing Heightened Standards for Certain Large Insured National B anks, Insured Federal Savings Associations, and Insured Federal Branches. '' The agency also issu ed a cease and desist order requiring the bank to take broad and comprehensive corrective actions to improve risk management, data governance, and internal controls. The bank senior management and the bank 's board has not made timely, sufficient progress in complying with the order. As a res ult of the unsound baking practices overseeing fraud and scams, the bank has turned to collect fro m consumers for their massive failures of effective risk management and internal controls. The OC C should order XXXX to cease and desist these practices and demand changes in leadership. Specifi cally in the case of this complaint demand XXXX cease and desist for their failures as established in t he OCC complaint with any further actions regarding XXXX XXXX. Further demand XXXX cease and desist harming consumers credit and correct XXXX XXXX ( and other harmed consumers ) credit reporting to " pay as agreed ''. XXXX has not made written contact since XX/XX/2020. This dispute is closed and to be reported to credit agencies as " Paid As Agreed ''. XXXX failed to respond in a timely manner as set forth in the correspondence to them and as a matter of law.No further responses to this matter will be made to any agency regardless of demands in correspondence, threats, and regardless of operation of law of any kind.
02/12/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	FL 33126	Web	Older American
I was making regular payments to ARS National Service for a debt collection on a XXXX XXXX Credit Card. ARS lost the account and XXXX XXXX hired a new collection agency, XXXX XXXX XXXX per their letter dated XX/XX/XXXX. The balance due according to XXXX was short by {$200.00} for the last two payments made to ARS National Service for the XXXX XXXX account on check # XXXX dated XX/XX/XXXX and check # XXXX dated XX/XX/XXXX. Both checks cleared my account, which should have brought my balance down to {$5400.00}. I wrote a letter to XXXX on XX/XX/XXXX, informing them of this error. They never responded. I wrote a second letter XX/XX/XXXX and copied XXXX XXXX. I included copies of my canceled checks XXXX and XXXX. On XX/XX/XXXX XXXX XXXX sent a letter requesting that I call them. On XX/XX/XXXX they only acknowledged payment up to XX/XX/XXXX, but make no mention of the two subsequent payments on check # XXXX and # XXXX paid to ARS National Service. On XX/XX/XXXX, XXXX XXXX sent a letter requesting that I contact them via phone. They called me on XX/XX/XXXX per the attached copy of my cell phone detail for the incoming call. During the course of the conversation, XXXX XXXX acknowledged that ARS had received and cashed checks # XXXX and # XXXX in XXXX and XXXX respectively. They told me that ARS had refunded me but I informed them that I HAD NEVER RECEIVED A REFUND FROM ARS. XXXX XXXX then proceeded to tell me that I had to " DISPROVE '' that I received a refund by submitting a copy of my bank statements for the two months in questions. HIPAA laws not withstanding, I refused and asked that XXXX XXXX or ARS provide proof of refund via copies of THEIR canceled checks just like I did to prove payment ( which of course they can't provide because I NEVER received a refund. ) XXXX XXXX recorded this conversation for " quality control purposes '' and if two party consent is needed, I hereby give my consent via this claim for CFBP to retrieve an audio copy of the conversation. I can also provided a notarized affidavit attesting to what was said during this call bertween XXXX XXXX and me. XXXX XXXX followed up with a letter the same day, XX/XX/XXXX, reiterating that my balance was for {$200.00} more than my payments reflect. I don't know if there is a sweetheart deal or going away present that XXXX XXXX gave to ARS via my XXXX and XX/XX/XXXX payments. All I know is that ARS needs to forward the two payments to XXXX XXXX or issue a refund for {$200.00} to me. I have set aside {$800.00} for payments from XX/XX/XXXX to XX/XX/XXXX and am willing to escrow this amount with a government agency until the issue of the theft of my payments is resolved. I have attached all pertinent documents by date order.
10/30/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33313	Web
Police report number XXXX AFFIDAVIT OF TRUTH Consumer Enforcement as Administrative Counter-Claim by XXXX XXXX XXXX XXXX Notice to all, I am that I am, the consumer in fact, natural person, original creditor, XXXX, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, Consumer, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a Consumer, XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. Fact, XXXX is aware and has proof in attachment labeled as exhibit A that ARS National Services IncXXXX is in violation of 15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt. Fact, XXXX is aware and has proof in attachment labeled as exhibit A that ARS National Services Inc. is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. Fact, XXXX is aware and has proof in attachment labeled as exhibit A that ARS National Services Inc. is in violation of 15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. Fact, XXXX is aware and has proof in attachment labeled as exhibit A that ARS National Services Inc. is in violation of 15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 15 U.S.C. 1692 ( G ) On the date of XXXX XXXX XXXX XXXX XXXX XXXX before me today present as a flesh and blood living being ( Non entity/non debtor ) under oath to the most high of creation only and provided the facts listed hereir XXXX XXXX XXXX XXXX Sworn to or Affirmed by and subscribed before me on the. XXXX XXXX : XXXX XXXX Notary Signature : XXXX
03/16/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TN 37343	Web
On XX/XX/2023 ARS National Services Inc attempted to contact me about an alleged debt that was incorrectly owed. As 15 U.S. Code 1692g this is my response within 30 days and my complaint as said further. 15 U.S. Code 1692C ( A ) states - " Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I have never given ARS National Services Inc consent to contact me over an alleged debt that was incorrectly owed. At no point in time is a good time to discuss an allegedly incorrect debt. ARS National Services Inc is implying that I have engaged in business with their company. I am requesting a visual signed contract with my signature proving that I have allowed for them to conduct business with me. Second ARS National Services Inc is in possession of my personal information with I have never given them consent to have. I want to know how they got that information on this alleged debt that is incorrectly owed. This is a violation of 15 U.S. Code 1692b. Third ARS National Services Inc needs to prove the existence of this alleged account and prove by verification, and " Verification '' is defined in XXXXXXXX XXXX XXXX ( XXXX XXXX. ) as " Confirmation of correctness, truth or authenticity by affidavit, oath or deposition ''. ARS National Services Inc shall provide a signed valid contract with these terms included, A Chain Of Assignment showing who has been in possession of this account, and a Sum Certain showing a complete accounting of how this alleged amount was arrived at, monthly statements, cardholder agreement signed, and a full original purchase agreement signed. Also under Tennessee state law ( TN Code 26-2-111 ( A ) ) and 11 U.S. Code 522 ( 10 ) ( A ) The only income I have coming in is Unemployment from the State Of Tennessee. This information is in no way an acknowledgment that I owe on this alleged account. This is considered exempt income under Tennesse Law and US Federal Law. I expect there will be no further efforts for ARS National Services Inc to collect on this allegedly incorrectly owed debt. If ARS National Services fails to be able to provide this information I expect them to delete this account from their files, and no further efforts to collect on this allegedly incorrectly owed debt will be made.
02/07/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 70127	Web
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against ARS National Services Inc., for committing identity theft. I have never given ARS National Services any permission to use my Identity information to commit mail fraud by contacting me about an alleged debt they claim I owe. Iam aware that in accordance with Article 9, the assignme nt of a defaulted note is illegal. Both the assignee and the Assigned are both liable for violations under 15 U.S.Code subsections 1692e ( 12 ). I have not validated any alleged debt with ARS National Services In c. and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX XX/XX/2023 I have not received any documentary evidence, such as a trilateral Contract, giving ARS National Services Inc any right to collect on this alleged debt. I have never received any documentation requesting validation from ARS National Services Inc, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 USC 1692d ( 4 ). Which the FTC defines as debt parking. If ARS National INC. can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me. The consumer, prior to furnishing it on my report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. Iam legally18 refusing to pay this debt pursuant to 1692c ( c. ) I am demanding a Cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ARS National Services Inc., can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ARS National INC., continues its collections efforts, I will file for litigation for actual damages caused and ARS National Services INC. will be held criminally liable for aggravated identity theft pursuant to 18 U.S.CODE 1028A. extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified pursuant UCC 1-202 f. Your prompt attention and response are both requested and required.ARS National Services Inc. # XXXX
08/06/2021	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 Was not notified of investigation status or results	CA 92395	Web
To Whom It May Concern, This letter is a formal statement notifying the above parties that the accounts under : ARS NATIONAL SERVICES INC reference number XXXX, and XXXX XXXX XXXX reference number XXXX are disputed. The vehicle in question was purchased on or about XX/XX/XXXX, financed by XXXX XXXX XXXX, repossessed in the state of ARIZONA in XXXX, and sold by XXXX XXXX XXXX on or about XXXX. Under the law and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS. 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. I currently have not received any of the required notices which were supposed to be properly and timely given, and all of the allowable redemption and cure time limits were supposed to be adhered to.If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies. Furthermore, you are hereby notified that at no point in time and under no circumstances is your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system to let me know their will be a deletion of the trade-line. Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
06/01/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77584	Web
ARS NATIONAL SERVICES INC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA, XXXX To : The XXXX XXXX XXXX XXXX for ARS NATIONAL SERVICES INC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX XXXX XXXX PA are authorized to administrate ( acting trustee ) on XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX XXXX XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. Also you have committed the following FDCPA Violations : XXXX. Harassment and abuse XXXX. False or misleading representations XXXX. Unfair practices XXXX. Validation of debts XXXX contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX XXXX XXXX and The XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA. Please remove all unauthorized, fraudulent accounts promptly within XXXX business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! I swear under penalty of perjury that all of the above mentioned information is true and accurate. By : XXXX XXXX XXXX
10/18/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 76116	Web
I, XXXX XXXX, consumer, natural person, and the original creditor of an open end credit plan, received a letter in the mail from a debt collector. This is mail fraud pursuant to 18 US Code 1841. I am making this complaint against ARS NATIONAL SERVICES INC. for committing identity theft. I have never given ARS NATIONAL SERVICES INC. any permission to use any of my identifying information to commit fraud by contacting me about an alleged debt they claim I owe them. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal and both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I am also aware that the advertisement or publication of a sale or selling of any debt to coerce payment is also known as debt parking in accordance with findings from the Federal Trade Commission and reporting this alleged debt to the consumer reporting agency without validating it with I, the consumer, first is a violation of 15 U.S.C. 1692d ( 4 ). I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ARS NATIONAL SERVICES INC. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ARS NATIONAL SERVICES INC. continues its collection efforts, I will file for litigation for actual damages caused and ARS NATIONAL SERVICES INC. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and collection of extensions of credit by extortionate means. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
07/31/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NJ 076XX	Web
Last year in XXXX I was notified of a XXXX $ debt owed to XXXX. It was my fault. I thought the bill was on auto pay and never looked at my statements. ( The account is services by XXXX card holder services ). ARS debt collection agency was servicing the debt Their address is XXXX XXXX XXXX XXXX, XXXX, CA XXXX. The representative I spoke with asked for an initial payment of XXXX {$200.00} dollars. They also set up a monthly payment that would automatically be debited from my checking account each month for {$71.00} until the total debt was payed off. In XXXX of this year, the final debit for the remaining balance of {$33.00} was taken from the account. These transfers were automatic, and initiated from ARS, not me. 2 months later, I received a new bill from XXXX showing I owed {$140.00} + {$86.00} in late charges - all from the original debt. When speaking to representatives from ARS, they explained that the details of the repayment agreement were no longer available on my account, and they could only see that I was sending them payments for XXXX $ a month. The representative said if I paid the {$140.00}, they could waive the {$86.00} late fees. I paid the XXXX $ on the phone with them ( XX/XX/2020 ). I was then billed for the remaining XXXX XXXX which was supposed to be waived ( as they explained to me ). After speaking with two representatives today ( XXXX XXXX and XXXX XXXX ), they said there is no record of the XXXX $ being waived, and the company does not even have the authority to do that. All Ive been trying to do for the past year is pay off this debt! Every conversation with ARS is recorded ( by ARS ), they are a debt collection agency, so should be keeping records of payment agreements. Ive been getting harassed by them, and every time I try and pay the debt down FULLY, they go ahead and pull something shady.
07/09/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 95134	Web
Hi all, On XXXX XXXX, XXXX, I called the debt collection company " ARS national service , Inc '' provided my account information regarding the settlement amount of {$7500.00} I have owned. All the phone call was recorded by them at the same time. I have spoken to one of the representatives saying that I was ready to pay off, and been told that the money was ready to run on that day. However, on XX/XX/XXXX, I have received a summons from XXXX XXXX court saying that the original credit card company is filing a lawsuit against me. I called back to ARS and asked what happened. after that, I have found out that the representative who answered my phone call on XX/XX/XXXX has never ever submitted my payment on that day. meanwhile, there is another debt collection company name " XXXX XXXX XXXX XXXX '' that is taking care of this debt after ARS. now they are asking me to pay the outstanding amount which of {$21.00}, and they have filling a lawsuit if I can not pay on time. I feel very innocent of this situation. compares {$7600.00} to {$21000.00} there is a huge difference. I did what I need to do back in XX/XX/XXXX. It is the ARS staff 's fault that didn't submit my payment, but why I have to take this responsibility. I hope you can involve this case, and let me know what is rights to protect myself. ( one of ARS stuffs informed me that they have notes saying I called on XX/XX/XXXX and gave my account information to authorized them to charge me the amount of {$7500.00}, but they can not provide me the phone recording since I don't have an attorney representing me at this moment ) I have attached the settlement letter from ARS and I had conversation evidence with a person who was representing negotiated with ARS saying I paid off back in XXXX. my phone number is XXXX email : XXXX XXXX
08/05/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OH 453XX	Web
On XX/XX/2022, I received a letter from ARS National Services , Inc. about a debt they were trying to collect. I did not recognize this debt, so I sent them a debt verification letter, requesting information including, but not limited to : -Name and address of the creditor to whom the debt is currently owed -Copy of the signed agreement that created my original requirement to pay -A copy of the last billing statement -When the creditor claims this debt became due and when it became delinquent -Information about the firm 's authority to collect this debt. In this letter, I also requested that no telephone or email contact be made by their office to my home, my place of employment, or my mobile phone. On XX/XX/2022, I received a packet from ARS National Services. This packet was just a bunch of printouts of statements from XXXX that I do not recognize. They failed to provide any copy of an entered agreement to pay, as requested in my letter, as well as information on when the debt became due, delinquent, etc. In the past month, I have also received numerous emails and phone calls from ARS National Services as an attempt to collect this debt. Based on all of the information I have, it seems to me that ARS National Services are engaging in predatory debt collection practices. I am not sure if they are a scam debt collector, but it would not surprise me with these tactics. I drafted a letter to send to them to notify that I will be informing the CFPB of these practices, but am afraid to send it to them presently with the current frequency of their calls and emails. I am getting daily emails and calls from new numbers trying to bypass my spam filter.
07/18/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA 92021	Web
We opened an XXXX XXXX credit card through XXXX XXXX in order to purchase a couch for {$1000.00} as the promotion at that time would save us roughly {$200.00} for taking the card. We bought the couch, paid the amount in full with one payment, and immediately canceled the card. The account number ends in XXXX and you can verify there will be no further history of purchases. Last year I received a letter from XXXX XXXX XXXX stating I owed some money but the letterhead did not appear to match the company logos correctly, nor did the phone number on the letter match any information I had for XXXX XXXX credit. I called my numbers for XXXX XXXX credit, they said I had nothing open with them, and that the letter was spam. I called my phone number for XXXX for their credit department just to be sure, they told me that I had no open account with an outstanding balance in the letter was spam. Yesterday in the mail I received a letter stating I have been sent to collections. The amount being collected was {$350.00}. I will attach a photo of this letter. Because it says XXXX XXXX I called my local branch manager XXXX, told her that on the letter there was an account number ending in XXXX, she looked that up and confirmed an amount for {$350.00} being owed. She later explained these charges to be a {$35.00} a month fee for owning the credit card, plus late fees, and plus interest. She says there is no evidence of our request to cancel the card which we made immediately after sending the one time for payment to cover the couch. I look forward to your correspondence and will answer any questions you have. Thank you for your help and your time.
05/02/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	OH 43054	Web
In XX/XX/XXXX, I entered into a repayment agreement with ARS National Services Inc. to repay XXXX XXXX XXXX Bank XXXX XXXX the amount of {$25.00} a month. ARS sent me a monthly reminder that the payment would be processed on a certain date. I received these monthly reminders from XX/XX/XXXX through XX/XX/XXXX. ARS stopped sending the reminders on this account and will not tell me the status of the XXXX 's account. I have asked ARS for an accounting. ARS representatives are unable to locate the account under their specific reference number, the last four digits of the XXXX 's account number, or any of my personally identifiable information, including my social security number. ARS representatives indicated that XXXX is the holder of XXXX 's accounts and advised me to contact XXXX. Representatives at XXXX could not find the XXXX 's account number referenced on the ARS monthly reminders for which I have paid {$25.00} monthly for over 4 years. I have another XXXX 's account that I am paying monthly to ARS, which began in XX/XX/XXXX. ARS is still sending monthly reminders on this account. ARS representatives indicated that their system changed and their reference numbers have changed. The change in the reference numbers is evidenced in the monthly reminders for this particular XXXX 's account. ARS representatives indicated that this is the only account they have serviced. XXXX representatives verified this account is under my name. Monthly reminders on both XXXX 's accounts are attached to this complaint as evidence that ARS was withdrawing funds for both accounts.
07/07/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90220	Web
I have contacted XXXX XXXX numerous times to dispute an account that is not mine and may be a possible case of identity theft. I have no memory of this account.I have asked that thisaccount be removed after exercising my right under Section 609 ( a ) ( 1 ) ( A ), the requirementof creditors and credit reporting agencies to verify accounts through physical documentation, verification of the original signed consumer contract and/or identification used to open the account. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. I have requested such documentation from XXXX XXXX and it has not been provided. I also requested physical verification from XXXX XXXX, XXXX, and XXXX, all of which have not provided any sort. Somehow, these credit bureaus keep verifying data without furnishing any proof of a proper investigation or obtaining the physical proof required by section 609 ( a ) ( 1 ) ( A ) of the FCRA. When asked about this, XXXX, XXXX, and XXXX XXXX personnel replied that they use the E Oscar system to verify debts. This is not acceptable. These credit bureaus keep verifying information that is incorrect by basically matching numbers already in their data base, thus making it next to impossible to remove an account that isn't mine to begin with. This is not a reasonable investigation and their willful noncompliance is a violation of my rights as a consumer. This is my last step in trying to resolve this issue before seeking relief and monetary damages for violations under FCRA sections 616 & 617
09/09/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NY 143XX	Web
Collection agency contacts my phone multiple times daily from different spoofed numbers. Today, an agent called my phone, left a voicemail, then proceeded to call my wife 's phone. On that call, the agent disclosed private information before verifying they were, in fact, speaking to a right party. As a debt collector myself, I know it is a violation of the Fair Debt Collection Practices Act to disclose information to ANY party before first verifying that they are speaking to the right party by confirming one private information ( such as date of birth or last four of social security number ) and/or a second piece of private or one piece of public information ( i.e. address or phone number ). They are then required to inform that it is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose. Also, in the state of NY, they are also required to inform spouses that, although a spouse can discuss their spouses debt, the spouse is not personally liable for said debt. None of these actions were taken on the call to my wife on XX/XX/21. The person asked if they were speaking to my wife by first name only, then proceeded to state that they were looking for me and that they wanted me to call them about a debt to discuss a settlement option before they took legal action. The same company then called my phone minutes later leaving their standard voicemail. The woman then called my parents phone looking for me. Four calls within an hour is definitely harassment according to the FDCPA.
06/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 19141	Web
My name is XXXX XXXX I am a consumer submitting this complaint on the behalf of my self without any influence from any third party being involved. Fraud had been committed, ARS National Services INC is using extortionate means to collect o n an alleged debt. I do not owe that resulted from extension of credit which violates tittle 18 USC 892-894 and constitutes racketeering actives and extortion. This is a notice sent as per the Fair debt Collection Practice Act ( F.D.C.P.A ) 15 U.S.C. 1692 ( G ) section 809 ( B ). This is a request for accounting request raiding list of collateral or statement of account reference to U.C.C 9-210. This authenticated record must include all tax fillings ( including all 1099 's, and 1098 's ) any and all trades and /or investments and /or interests associated wit h this account of which I am alleged to be a party. This is also a Notice exercising my rights to prevent the processing of my personal data by ARS National Services INC. Please be advised that providing a memorandum or other statement from your agency, stating that ARS National Services INC the assignment of the account was transferred shall be deemed insufficient. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report if reporting. PLEASE BE ADVISED YOU ARE IN VIOLATION OF MY CONSUMER RIGHTS AND THE FDCPA. see attachment
09/05/2020	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	CA 95682	Web
Initially on XX/XX/20 I received a threatening phone call from a XXXX XXXX stating she was going to file legal action with XXXX XXXX XXXX unless I called them back at XXXX, and that my case number was XXXX She also called my XXXX year old grandmother and parents, threatening legal action and to come to her place of residence. Which when I called they said that it was regarding a personal loan that I hadnt paid with loan me totaling {$7300.00}. They stated they are a proceedings office called National they would not give me an address. They said I must pay in full or they would proceed with legal action and I would be responsible for all legal fees for a total of {$15000.00}. They forced me to set up payments which I couldnt possibly afford bi-weekly otherwise they said I would have to pay the {$15000.00}. After I did research and spoke to a legal representative they told me not to pay them anything until they gave me a written validation notice. I called them back on XX/XX/20 to ask for this document and they refused. Then on XX/XX/20 they once again called and said since I didnt pay they were going to proceed with legal action. That same day XXXX XXXX called my XXXX year old grandmother and screamed at her, threatening to come to her residence. She also left messages on my Parents phones with the same general message of proceeding with legal action and coming to their place of residence.
09/30/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	PA 152XX	Web	Servicemember
I XXXX XXXX do not agree with a collection process initiated against me. There was only a letter from ARS National Services , Inc., stating that they have been hired by XXXX XXXX XXXX XXXX, without proof of transfer. The Federal Trade Commission made it clear in a decision against a national debt collection agency in 2009 ( FTC v. XXXX XXXX XXXX XXXX that a collection must show proof, i.e. a written transfer of information and the right to collect on a debt. My rights have been violated under the Fair Debt Collection Practices Act. ARS has posted a collection on my credit bureaus without first submitting proof that they had the right to collect on a debt. I am not disputing that there was an obligation owed to XXXX XXXX XXXX XXXX, what I am disputing is the egregious act of destroying my credit without going through a legitimate process. I have already been a victim to an FDCPA violation and a violation of the FTC mandate to validate a collection, as well as showing proof that the collection is well within state guidelines where I reside. Since I am a XXXX XXXX member of the United States XXXX XXXX, I take my rights serious, as much as I take my loyalty to the United States. Therefore, I believe ARS should accept a settlement in the amount of {$200.00}, and state on record that any reference to me personally on all pertinent credit reporting agencies to delete all information against me.
10/04/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	UT 843XX	Web
I had my identity stolen and a bunch of credit cards opened in my name without my knowledge or approval. I have gotten all of them taken off except XXXX with XXXX account # XXXX which also turned into a collection account with a company called ARS National Services. I keep getting phone calls from ARS National Services trying to collect over {$2000.00} from me which is not my debt. Each time I give them my social security number they tell me that 's not correct, when I tell them this was from identity theft they do n't believe me. I have sent all the credit bureaus, ARS National and XXXX copies of police reports, my identification documents, letters stating this was all from identity theft and they need to remove it all from my name immediately ( many letters ). They refuse to delete and keep calling to collect, keep reporting this negatively on my credit report also. This is hurting my credit score, my credit report and my life. I have been fighting this since XXXX 2015. ARS National Services refuses to send me any proof of this debt also when I ask. They say since the social security number does n't match they ca n't send me anything on it but they refuse to take me off the debt that I did not incur. I need your help in getting this resolved and my name removed from this un-related debt and my credit report fixed also. Please help me, I have exhausted all my efforts up until now.
04/20/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	WI 53051	Web	Older American
The collection agency has engaged in the following practices, which violate the federal Fair Debt Collection Practices Act : Repeat calls as harassment RoboCall They call numerous times Illegally Inform a Third Party About Your Alleged Debts repeatedly calling relatives, family and friends Collectors are not allowed to inform anyone about your debts. No verification of this debt. They are supposed to send within 5 days a written communication and they have not. Calls repeatedly throughout the day. Pursuant to my rights under federal debt collection laws, please cease all collection activities you have taken or are considering taking. Also, had multiple hospitalizations in the past years, so must avoid stress. I am retired and on low income. This includes high-pressure collection activity and lawsuits. I am requesting that you cease and desist communication with me, as well as my family and friends, concerning this and all other alleged debts you claim I owe. They have not provided any written communication within 5 days. Here are a few of the calls. XXXX XXXX XXXX is what shows on Caller ID. When answered, no one is there. Called from XXXX on XX/XX/XXXX at XXXX pm Called from XXXX on XX/XX/XXXX at XXXX am XX/XX/XXXX at XXXX am Called from XXXX on XX/XX/XXXX at XXXX am XX/XX/XXXX at XXXX am Called from XXXX
10/27/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	OH 441XX	Web
In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : ARS National Services Inc Account # XXXX 15 U.S.C 1681 section 602 A. States i Have The Right To Privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Theses companies and accounts have been going against my rights and violation as a consumer this is unconstitutional I am asking that theses accounts be investigated and deleted off of my credit report immediately. I do Not owe theses debts and i am requesting a cease and desist immediately
11/25/2017	No	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 10598	Web
On XX/XX/XXXX I forwarded a letter Certified Mail to XXXX XXXX XXXX advising that XXXX XXXX ( Debt Buyer ) reported a XXXX entry in the amount of {$8600.00} on my report as a RECENT Delinquency and placed for Collection on XX/XX/XXXX. I am aware of the ILLEGAL practice of False Credit Reporting otherwise called RE-AGING a debt to severely damage a consumers credit score. I have an older XXXX statement dated XX/XX/XXXX - showing this same account #, when it was XXXX XXXX - before XXXX purchased. Last payment made is showing XX/XX/XXXX. In a letter dated XX/XX/XXXX, results state info updated, verified as accurate and updated In addition, XXXX XXXX has illegally requested my credit report without my permission on XX/XX/XXXX, when they placed it into Collections ARS National Services on XX/XX/XXXX - sent a Collection letter regarding the XXXX account to MY MOTHERS address in FLORIDA!!!!!! How EMBARRASSING I have a copy of the letter. ( this was just prior to selling to XXXX XXXX ) I am on the " OPT OUT '' list for Credit and Insurance. XXXX XXXX from their XXXX XXXX NY telephone numbers continues to robo dial me several times a day and a week. XXXX XXXX, XXXX XXXX also known as XXXX XXXX , XXXX continues to Robo dial me from the telephone number XXXX and also has illegally requested my credit report
07/26/2022	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	MI 483XX	Web	Servicemember
ARS keeps calling me. I spoke with a representative on XX/XX/XXXX, and advised HIM not to call. I received another phone call, they left a voicemail on XX/XX/XXXX. They texted me on XX/XX/XXXX and called me 1 time after I texted not to call, I spoke with a woman and advised her not to call. The woman also gave information to my sister, the person that answered the phone and called me a XXXX and a little girl. She did say the phone call was recorded, so management can go back and listen to the call, however AFTER this incident 2 more calls came in from the company. I am not sure why they are harassing me. Unbeknownst to them I was in the office of a State official at the time, who also heard the call. XXXXSince I the last time I told them not XX/XX/XXXX to call and communicate through mail, I have received 13 calls the last one being received today from a XXXX, who stated that " they don't have to stop call until the debt is paid. I advised this is harrasment and was told, what are you gon na do put me in jail. '' This has to be illegal at this point and I will be filing a police report for harrassment and seeking damages via court. They also identified themselves as another company ... only after looking up their name via XXXX XXXX with the phone number was I able to get the correct company name.
01/29/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	WA 982XX	Web
XXXX XXXX and ars Live wa state received community discharge for my spouse ch XXXX bankruptcyXX/XX/XXXX -gave XXXX XXXX case number and attorney info etching Emailed the bankruptcy dept of XX/XX/XXXX including court documents Lawyer emailed them as well Credit report says charged off Informed them about community property and section 524 ( a ) ( 3 ) and I have no separate property. XX/XX/XXXX relieve letter from ars national services Inc seeking collection of XXXX for XXXX of my XXXX XXXX accounts included in discharge. The lawyer refuses to help us without us paying him more which we do not want to do based on limited funds and we found to many errors through the bankruptcy process due to his office misplacing and or forgetting certain creditor info multiple times. Last time I tried calling ellan financial for collections on harborstone account they refused to acknowledge the community discharge and hung up on me twice. The reason he filed solely was because I had filed when lost my house in XX/XX/XXXXso I couldn't and lawyer advised us to do this way even though the majority of our debt was in my name. Now my credit went from XXXX to XXXX and I feel like I'm constantly in distress about our families future and I don't know how to proceed. All efforts seem to be waisted
07/04/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NY 10562	Web
XX/XX/XXXX of XXXX I've contacted XXXX regarding an old account that I had no knowledge of it and now showing on my credit report and drop my credit score by 68 points during the process of getting a mortgage loan. Since there is an urgency I just wanted to pay it off/ settled, so they directed me to ARS National Services Inc who was handling the account for XXXX . The Balance was {$2300.00} and they agreed on accepting {$1500.00} as settlement in full if paid on that day XX/XX/2020. Attached is the settlement letter they emailed me and how to make the payment and that once paid they will let XXXX know so that they can report to all credit bureau as paid. I made the payment of {$1500.00} the same day ( Confirmation screenshot attached ) as agreed. On XX/XX/XXXX I received a letter from ARS National Services Inc ( Attached letter ) thanking for accepting the settlement of {$1500.00} in full however it was still showing a balance of {$830.00} which was the difference from the total balance. This should had said {$0.00}. On XX/XX/2020 XXXX reported the balance to XXXX as {$830.00} instead of paid in full. This is NOT what was agreed upon and have all the proof. As a result our mortgage approval is on hold until this gets cleared up as paid on all 3 credit bureaus.
12/23/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 91942	Web
Received calls from this ARS National Services from multiple phone numbers on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ( 2021 ). Phone numbers include XXXX and XXXX. They never leave a voicemail. When I called the missed number, each time the rep says " thank you for calling ARS National Services, '' says the call is being recorded, gives their name, and asks for reference number. I have never received mail from a debt collector or any reference number. When I asked why they keep calling, they asked me who I was. When I didnt tell them they stated they were a company that deals with personal information and could not share why they were calling. The rep gave no information at any point when I requested validation and verification for who, what, and why they were calling my number. The rep is also on recording lying twice that they did not even have my phone number in their records and could not explain how come I had multiple missed calls from them then. I stated I believe they have the wrong contact info and to remove the number from their call list. He stated he would ask his supervisor about removing the number from their records ( which he had already claimed they didnt have on record ). The calls have persisted.
12/11/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MS 397XX	Web
On or around XX/XX/2019, I received a debt collection letter from ARS NATIONAL SERVICES INC to collect a debt on behalf of XXXX XXXX XXXX XXXX. The account with XXXX XXXX XXXX XXXX was opened online, in my name, fraudulently. I never received any card in the mail from XXXX XXXX XXXX XXXX. I never received any billing statements, online or by mail. My email address and phone number is not associated with the account. I never received phone calls in regards to the application or the account. I never received any contact prior to the fraudulent account being approved and opened in my name, to verify my identity, in order to prevent this exact gigantic issue from happening! This is a debt I did not personally apply for or obtain. This account was reported as fraud immediately upon discovery of the fraudulent account in my name. I reported the account as fraud, placed fraud alerts and credit freeze, filed an identity theft report with the FTC, opened disputes with credit report bureaus, andfiled a police report with my local police department. This account is fraudulent and was opened in my name FRAUDULENTLY. I'm doing everything I can to clear my name and to clear this fraudulent activity from my credit reports!
07/06/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	AZ 86401	Web
Thank you for taking the time to read this, this is more about the culture of the website not so much about the complaint of debt owned. The website is https : //www.arsnational.com/. There are promoting this on their website. " ARS is dedicated to fostering an environment that appreciates humanity. ARS respectfully promotes cultural awareness and treats everyone with kindness. As a method to increase cultural competency, ARS : * provides continuous education on diversity, equity, and inclusion, * promotes various ethnic events, and sponsors the development of Employee Business Resource Groups ( EBRGs ) to cultivate inclusiveness while ensuring that all team members thrive. ARS is passionately driven to solve complex challenges involving diversity and inclusion. ". Idk if you guys are aware but if diversity, equity, and inclusion are used in the way the current government has been using it. Promotes racism, lack of education leads to better job candidacy then those who qualify for certain positions, which can lead to dangerous situations, and their aim is in education. Which if you are aware has lead to some very bad books being shown to underage children. It might just be me but these keywords are a big red flag.
10/25/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NJ 08109	Web
This complaint is for XXXX XXXX Bank and their collections services ARS National Services Inc. The account I had with XXXX was for a credit card that needed to be paid. The account was then passed to ARS National Services for collection. I called ARS National Services on XX/XX/XXXX and identified the debt with XXXX XXXX Bank with account representative XXXX XXXX XXXX. On the same day, the debt was settled for {$2700.00} and paid through a check from my XXXX XXXX account deposited on XX/XX/XXXX. I received a letter sent from XXXX XXXX on XX/XX/XXXX stating that ARS accepted the settlement for the referenced account. It was stated on the phone that the settled debt would be reported to XXXX XXXX XXXX, then updated and removed from my credit report. However, I received mail notification sent XX/XX/XXXX that XXXX XXXX and ARS National Services are now trying to collect a new and different debt in the amount of {$1800.00}, which was reflected on my credit report. I am not acknowledging that I owe this amount, nor do I validate this amount as it conflicts with my notification of debt settlement received by ARS, and what was discussed verbally on the phone. Supporting documents are in the attachments.
08/24/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 95682	Web
On XX/XX/XXXX I received a threatening phone call from someone claiming they were a collection for a personal loan that I had with XXXX. They called me, and several relatives and threatened legal action and a call to my supervisor at work if I did not respond that day. I called them back at XXXX and asked the name of their company to which they claim to be National based out of XXXX Georgia, they would not give me an address. They forced me to make a payment that day and to enter into an agreement to pay them bi-weekly in the amount of {$480.00}, if I did not agree they would proceed with legal proceedings and I would be responsible for {$15000.00} instead of {$7300.00}. When I asked for a written validation notice stating they are the owners of the debt they told me to call back in a day as they are a proceedings office not a debt collector and they needed time to get me the letter. Then when I called back on XX/XX/XXXX they said that they can not give me anything in writing until I pay in full due to " specific performance law ''. When I asked for written proof or a statement I was asked " well why did you agree to it and it was your responsibility to pay ''.
03/12/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX XXXXX	Web
My late husband ran up huge debts, some in his name, some in my name. He XXXX XXXX in XX/XX/2015. My was XXXX XXXX, according to Texas law. I am being threatened by ARS, a company in California, for a XXXX card. I did not use, and was not even aware of that card. Apparently, XXXX XXXX XXXX " dumped '' an overdue card of his own, probably an XXXX XXXX card, onto a card in my name. I wrote a letter explaining this to XXXX, when I discovered the debt on my credit report. Now, almost three years later, I received a letter from ARS, threatening me, if I do not pay them, for outstanding debt of that card. I have sent a letter to them, as well, with a more lengthy explanation, and other supporting documentation. I will attempt to attach a copy here, without the other attachments, but will supply those, as well, if necessary. The most important this is : THIS IS NOT MY DEBT. If I am sued, I will fight this. I never used that card. I am XXXX. I sold my house to pay off any debts that might have been mine. I do not own a car. I think these people will be ruthless, and I am afraid, because, as I said, THIS IS NOT MY DEBT, and I am in very poor health.
02/25/2020	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 Investigation took more than 30 days	MA 02368	Web
On XX/XX/2020 ( I sent via uspo mail ), several 'Debt Validation letters to debt collection agency XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX XXXX. requesting certain documents to validate a debt said agency states I owe, and that the collection agency Remove the collection accounts from my credit reports, if they're unable to validate the accounts. As of to date XX/XX/2020, the Collection agencies failed to provide the request document as follows : -The original agreement, including the terms and condition under which the original lender agreed to extend credit. - Copies of statements showing how the borrower incurred the debt, including the dates of transactions. - A complete accounting that shows how interest and other charges were calculated, as well as how payments were apportioned. - A clause in the original signed contract that authorizes the third party like yourself to collect on this debt - Proof that buyer actually purchased this specific account. - The terms and conditions of the sale of the account - Copy of bill showing last default date - Proof that YOU are licensed to collect in my state of residence
12/18/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 91942	Web
Received calls from this number on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ( 2021 ). They never leave a voicemail. When I called the missed number, each time the rep says " thank you for calling ARS National Services, '' says the call is being recorded, gives their name, and asks for verification number. I have never received mail from a debt collector or verification number. When I asked why they keep calling, they asked me who I was. When I didnt tell them they stated they were a company that deals with personal information and could not share why they were calling. The rep gave no information at any point when I requested validation and verification for who, what, and why they were calling my number. The rep also stated twice that they did not even have my phone number in their records and could not explain how come I had multiple missed calls from them then. I stated I believe they have the wrong contact info and to remove the number from their call list. He stated he would ask his supervisor about removing the number from their records ( which he had already claimed they didnt have on record ).
02/24/2022	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	OR 97322	Web
Received the same message today. the XXXX left me a voice message claiming they needed to come to my home between XXXX on XX/XX/XXXX to give me some documents and I needed to provide to pieces of ID. and referenced a case # with the last 4 of my SS #. Also said to reschedule the appt ( which I never made one ), then to contact XXXX. Which I contact this number and asked who they were, the guy said ARS. I asked what is ARS and he said they were mediators for a client. I asked who the client was and he would not tell me. I didn't even get this person 's name and on the voice message there was no name or company name mentioned either. I told him, that no one is coming to my home or business and talking with people to get information about me. He told me to " just shut up '' and hung up. I called XXXX number and the message is exactly the same as the XXXX number. I too had identity theft and these guys used my married name which I have not used since XXXX. I don't know about you folks but I am pretty tired of these collection companies. They need to be illegal nationwide. I kept the voice message for evidence.
05/08/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CO 80014	Web
on XXXX XXXX , 2014 I purchased furniture from XXXX XXXX store # XXXX . I if you paid it off in one ye ar there would be no interest charged. They also automatically send you a credit card. The store and the credit card are separate. was not known at the time. I took my first payment into the store the day it was due. The clerk took my cash, which was {$140.00}. she gave me a receipt and I left. The next day XXXX XXXX started calling me about my payment. that it was late and I would not qualify for the no interest agreement. I told them I paid in the store and I had a receipt. this was when I found out they were separate . S Th ey told me to call the credit people tell them what happened, they would refund the money then I could send it in to them. And there would be no problem, because it was the clerks fault not mine. So I did they sent me my money back, because i had never used the credit card. and never did. they took away the no interest because they said the payment was late. now years later a collection company is trying to collect {$140.00} plus interest. Now {$400.00} plus.
10/10/2017	Yes	Debt collection Credit card debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	IL 60620	Web
I open up a XXXX acrd with my son and about 2 to 3mos I decided I did not need the card we went to the bank was told we have to bring our id and that they would remove me from the card no problem. we left couple of months later I ask my son how was he doing he said he was behind I ask him to let me help found out he was XXXX in debt ask why my name on here he said that 's how the bill come I was furious at him in XXXXXXXX XXXX I called ask what happen they explain they cancel my cark but not me as the primary owner, I begin start making payments they would return payments I had no account number but I had the same ssi number still reyurn I called every day and finally they called me to make a settlement I excepted to pay XXXX for the XXXX. I had until XXXX XXXX I made the payments ontime finish in XXXX rcd a call in XXXX sayi been sent to collecton agency and I owe XXXX but I paid the settlement now I asking for a receipt from XXXXXXXX XXXX they say they do not give receipts and the ars national collection say I will have to wait a month until they review I have until XXXX XXXX help me please.
09/26/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	NY 11691	Web
ARS national services inc is still continuing to collect debts from a person that is exempt from there debt collection CFPB Case No. XXXX, XXXX they were given this notice This will serve as your legal notice under the provisions of federal and state law, the Exempt Income Protection Act ( EIPA ) and the Fair Debt Collection Practices Act ( FDCPA ), to cease and desist all communication and collections with me in regard to the debt referenced above. they are voilating the cease and desist of all communication and collections with me in regard to the all debts they will be sued under the he Exempt Income Protection Act ( EIPA ) and the Fair Debt Collection Practices Act ( FDCPA ) if they continuing to try and collect any and all debts from XXXX bank XXXX national services inc can not contact me any more for any debts I am exempt from there debt collection which they do know that I am but keeps triyng to collect on other debts that are exempt from there debt collection ARS national services inc already knows that I am exempt from debt collection why do they keep trying to collect
02/13/2018	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	CO 816XX	Web
A man called looking for my Father, regarding my father 's personal small business. I asked him to clarify and he cursed and hung up on me. I called him back and another person answered the phone, she said the company that contacted me was " ARS national services ''. This information took asking for at least 5 minutes what the company was. What alarms me is that both persons who answered the phone insisted that the first call was for my Mother, not my father and that it was to discuss her small business. Both of which are lies, my parents do not own small businesses, and in fact my father works within the federal government. This supposed debt collection company is calling the children of alleged debtors under the false pretense of small business. I was ultimately transferred to a supervisor who tried to deflect and ultimately used subversive tactics to end the line of inquiry to the original phone call. They have also called me on multiple concurrent days at odd hours from several different phone numbers and are generally obscene and hostile.
08/07/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 90025	Web
ARS National Services Inc. contacted me on XX/XX/2019 at XXXX pst in the attempt to collect a debt. I filed a petition for chapter XXXX bankruptcy on XX/XX/2019 and all of my creditors were notified of this filing. It was also listed on my credit report at of XX/XX/2019. I reached out to ARS National following their attempt to contact me despite the Automatic Stay being in place. I told them via online messenger that I had filed bankruptcy and asked them for their address so I could send them the filed petition. They refused to give me the information and said I had to call them and talk to someone. Later that day, I went to XXXX to view my most recent credit report. I noticed that ARS National Services had run an inquiry using my social security number and DOB that same day. On my credit report, it clearly shows that I had filed a petition for bankruptcy protection on XX/XX/XXXX, however, they still called me and attempted to call me to collect the debt, with the belated disregard to my federally protected rights.
01/15/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NJ 080XX	Web	Older American, Servicemember
I have received, at a minimum, XXXX ( XXXX ) telephone calls from a company identified on my telephone " Caller ID '', as " ARS National Se '', from telephone number XXXX. They ask to speak to a " XXXX XXXX XXXX '', a name similar to mine. I have told them on at least three ( 3 ) occasions that they have the wrong number and the wrong person, and I have asked them to stop calling me. They still persist in calling. The calls recorded on my caller ID are as follows ; 1 ) XXXX/XXXX/2016 at XXXX 2 ) XXXX/XXXX/2016 at XXXX 3 ) XXXX/XXXX/2016 at XXXX 4 ) XXXX/XXXX/2016 at XXXX 5 ) XXXX/XXXX/2016 at XXXX Each time the caller stated that the conversation was being recorded. I told them on tape, if they did tape it, that I was not the person they named, and this was not his phone number, and to please take my number off their calling list. They have not complied. I am interested in pursuing taking actions against the person/organization responsible for all of the calls.
01/24/2020	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	CA 93280	Web
I received a letter on XX/XX/XXXX form ARS National Services Inc they are collecting a debt on behalf XXXX XXXX. The letter is in Spanish but is a settlement offer to resolve a my debt with XXXX. The offer is good until XX/XX/2020. I contacted all my family members to get all the money together and pay the offer. Today XX/XX/XXXX I called to this collection agency to take the offer -remember the offer is good until XX/XX/2020- but I was informed that the account was recalled from XXXX. This is a unfair communication tactic from the Bank and form the collector since they made an offer and later decline it. For me sounds like XXXX is just playing and do not understand cases like mine where customers are making the best to resolve debt problems. I called XXXX to try to get the same offer and pay it, but I was informed that they could not locate my account since the account was recalled and I will receive a call from a Law Office in the following days.
10/27/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	NC 284XX	Web
My issue is with a XXXX XXXX credit card. I fell behind on payments and then made a payment to pay all pass due amounts. Soon after that they suspended me from making direct payments on the XXXX XXXX website and would not accept payments over the telephone. I was contacted by ARS national Services and given the option to pay XXXX in full to clear the account. I paid the XXXX in XXXX of 2015 and thought all was well until I received a call from ARS in XXXX of 2015 stating I now owe XXXX. Each time I spoke with the company they insisted I owed the money. I requested explanation of the balance in writing but to date have not received a detailed explanation in writing. They only tell me it is because of interest. To date this account balance has grown from XXXX when I paid it off the debt according to paperwork sent to me from ARS, to XXXX according to the ARS representative I spoke with today. My last communication with this company was XX/XX/2015.
11/03/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 94803	Web
I filed a complaint on here a few weeks ago ARS NATIONAL SERVICES Inc and also had the CFPB send a copy to the original creditor XXXX XXXX XXXX XXXX. Ive gotten a response from chase stating they they are not the appropriate company to address this issue. In the letter frome ARS NATIONAL SERVICES Inc which was attached states the Chase is there CLIENT. Also ARS NATIONAL SERVICES Inc use lawsuit as a fear tatic and is perceived as a threat. In a response ARS STATES they have no control over the account which is funny why are you contacting me saying your is client chase and chase states its not there problem. Both ARS NATIONAL SERVICES Inc and XXXX XXXX XXXX XXXX responses conflict with one another and is a direct violation of my rights using fear tactics and not one company addressed the situation. Lastly ARS NATIONAL SERVICES Inc said for me to contact them to discuss more info but how if you dont own the debt as stated.
11/03/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 94803	Web
I filed a complaint on here a few weeks ago ARS NATIONAL SERVICES Inc and also had the CFPB send a copy to the original creditor XXXX XXXX XXXX XXXX. Ive gotten a response from chase stating they they are not the appropriate company to address this issue. In the letter frome ARS NATIONAL SERVICES Inc which was attached states the XXXX is there CLIENT. Also ARS NATIONAL SERVICES Inc use lawsuit as a fear tatic and is perceived as a threat. In a response ARS STATES they have no control over the account which is funny why are you contacting me saying your is client chase and chase states its not there problem. Both ARS NATIONAL SERVICES Inc and XXXX XXXX XXXX XXXX responses conflict with one another and is a direct violation of my rights using fear tactics and not one company addressed the situation. Lastly ARS NATIONAL SERVICES Inc said for me to contact them to discuss more info but how if you dont own the debt as stated.
05/17/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	DE 19701	Web
ARS National Services Inc Send me a collection about a debt trying to collect. Which I do not recognize the account and have no previous knowledge of it. This agency is in violation of 15 USC 1692g and 15 USc 1681, and the fair credit reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) : consumer report so let me explain. Under the truth in Lending Act USC 1602 ( g ), " credit card '' is definitely Following : This makes your social security card, drivers license, ID and license plate. ( 2 ) EXCLUSIONS.- Except as provided in paragraph ( 3 ), term '' does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; The term of " credit card " means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. For the extension of credit.
04/21/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 088XX	Web
On XXXX, XXXX, after I pulled my credit report, I found out multiple accounts that did not belong to me, right after doing my own research, months later, to be exact on XXXX, XXXX, I submitted my first dispute to the credit bureaus, after about three weeks a received replies from them requesting me to file a Identity Theft Police Report, so I did. On XX/XX/XXXX, I filed my Police Report, with the report in my hands, on XX/XX/XXXX, I started my dispute journey but this time I included my Police report. I did not send my disputes to the credit bureaus very often, since I am always busy, but so far since that time to date, I have submitted my package of Identity Theft at least four times. Unfortunately, I recently received multiple collection letters trying to collect on alleged debts that I really do not have any idea of. One of those collection letter is the one with ARS NATIONAL SERVICES INC.
01/04/2022	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	VA 23324	Web
This submission is NOT from a third party. I, XXXX XXXX XXXX XXXX the natural person, consumer, & agent is currently being suppressed by not being able to exercise my rights as a federally protected consumer. On XXXX I sent out a Debt Validation letter along with a cease & desist with requested information via certified mail to ARS for debt validation purposes. Im not asking for verification of an alleged debt, Im requesting information to validate the alleged debt. I gave them 30 days upon receipt to investigate information & they received it on XXXX. They have repeatedly harassed me with communication in the past without proper validation. All references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Can I get some assistance with this issue? Thanks. I will attach attachments
06/17/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MI 48239	Web	Servicemember
I received a letter with my maiden name on it as a new account. Saying I owe {$820.00} when I called them to inquire and explain that I have not used that last name in 25 years. I had the letter and I read to them the account identification information on the letter. Despite providing the info on the letter they tried to gather my SS # and my date of birth. I then advised that as a debt collector you added what must be given to get information on this account yet you are asking for information you don't have to collect a debt. I then repeated the fact that the name is wrong clearly a fraud issue they refused to provide the steps to get this resolved and said they were not a debt collector rather a call center. I advised you are now concealing/ impersonating who you really are. they then hung up on me. Still have the issue and don't know what I should do now.
07/21/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	IL 60440	Web	Servicemember
On XX/XX/2021 and XX/XX/2021 Ars Natl Svc called me and did not leave a voicemail. After XXXX this company, I found out that they were debt collectors. I reached out to an online rep to get an address so that I could mail this company a letter stating that the debt is disputed and to provide validation. I never received any written notice or a letter stating that I had the right to dispute, so I sent a dispute letter anyway so that I was within my time limits of the FCRA when responding to debt collectors. On XX/XX/2021 I sent the dispute letter to this company via certified mail to the address that a rep gave me. It is now XX/XX/2021 and this company is calling me again leaving no voicemails and sending no validation letters. The company resumed calling me XX/XX/2021. I still have not received any written notice or response from this company.
06/27/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	OH 45211	Web
Received phone call from XXXX on XX/XX/XXXX, spam filter notified it was ARS Natl Svc. No voicemail was left. Received letter on XX/XX/XXXX from ARS National Services, located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX, detailing to send payment online or via wire services. Sheet only details Creditor, Account Number, Balance, Name, and Additional Information For ( Insert State Here ) Residents, that does not include addressed state, or include the Fair Debt Collection Practices Act dispute form. Nowhere on the sheet is there information regarding how to dispute for residents not in states it has detailed. Per the new rules effective XX/XX/XXXX, ARS National Services must include a pre-populated form detailing how to dispute the debt validation. This is a clear violation of federal law that this company had no intention of following.
02/25/2021	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 Problem with personal statement of dispute	CA 90272	Web
From XX/XX/2020 thru the present XXXX XXXX XXXX XXXX has intentionally as a practice reported my credit card account multiple different ways for example one month reporting it as a charge-off then the next month report the account as a collection. During the same period, XXXX XXXX XXXX XXXX has intentionally turned my credit card account over to a Collection Agency ARS who would has demanded payment. To date XXXX XXXX XXXX XXXX continues to damage my credit and name during and including a time of the Pandemic with my written requests for a reprieve. I have also, have discovered that as a practice and policy XXXX XXXX XXXX . removes Civil Small Claims lawsuits nationwide to Federal Court while knowing the consumer has a right within their contract to Arbitration. The consequences of this actions are immeasurable.
05/18/2022	Yes	Debt collection I do not know	Communication tactics Called before 8am or after 9pm	CA 92883	Web
On Saturday XX/XX/2022 I was awakened by my phone at XXXX! Usually you get bad news at this time of the overnight/early morning. This was especially troubling to me as my sister just passed away XX/XX/2022 and I got the message in the early morning hour. So imagine my panic, nervousness, anxiety and stress as I reached for my phone. Once I saw the message my emotions went straight to anger, shock and disbelief! What debt collector has the nerve to contact someone at XXXXXXXX XXXX not to mention it was also XXXX XXXX XXXX weekend. I was and am beyond furious at this company 's bullying and harassment tactics! This is not acceptable on any level. The company even states on their website they can not contact you before XXXX or after XXXX. They are not following their own rules set forth by the Fair Debt Collection Law!
11/13/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX XXXXX	Web
Around XXXX XXXX, XXXX I repeatedly received calls from ARS national services. I have answered a few times and requested contact in writing over the phone. I am getting 1-5 calls a day despite receiving NOTHING in writing since this company started to call me. There is nothing on my credit report showing who they are or why they are trying to collect or if there is a debt that is MINE. I have sent this company an email " cease and desist '' because I have no physical address for them and want them to follow collection laws and verify if there is debt they are trying to collect for and if so where did it come from and who is it owed to? The number they rationalize calling up to 5 times a day is on the national Do not call registry and this comes across as harassment to get me to pay on debt I do not owe.
01/03/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 90703	Web
I have requested debt validation of two accounts being collected by ARS NATIONAL SERVICES INC. After sending a certified letter requesting this debt collector to validate the debt, they did not respond with sufficient documentation or information to satisfy my request, as is my right under the Fair Credit Reporting Act ( FCRA ) and the California Rosenthal Fair Debt Collection Practices Act. Instead, I received a generic " Cardmember Agreement '' without my name, signature, or any other identifying information. ARS NATIONAL SERVICES INC. later sent me two aged account statements that are significantly lower than the balances being reported to the credit reporting agencies. I do not know who ARS NATIONAL SERVICES INC. is, and I do not recall entering a binding loan agreement with this entity.
06/17/2017	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	KS 673XX	Web	Older American
ARS National Services , Inc. keeps contacting me even though I have asked them not to do so by writing them and including this statement : " I also hope to save both of us a great deal of time, energy and expense by letting you know that I have no attachable income ; essentially I have no money and can prove it. In accordance with the Fair Debt Collection Practices Act, 15 USC 1692c, 805 ( c ) : ( c ) CEASING COMMUNICATION. " If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt ... '' They still persist. Latest contact from them was dated XXXX XXXX XXXX .
06/08/2016	No	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	NY XXXXX	Web
I received a letter from ARS. They were notified that the debt does not belong to me. I requested validation within 30 days, which I received 3 months later a statement for an address I have n't lived for at least 7 years. I asked for proof of whom and when the fraudulent account was opened and never received that. My mother faxed over documents to them and they sent a letter for me to my mothers job. I want them to STOP sending collection noticies to my mother 's job ... ( XXXX XXXX XXXX XXXX ). I gave them my PO Box address to send any communication ( XXXX XXXX, XXXX, NY XXXX ). I want to receive proof of whomever and when this account was opened and I want to stop the harassment collection actions and also to have them remove the fraudulent information off of my credit reports.
07/15/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 93035	Web
Called ARS to pay debt from XXXX XXXX, last communication was with them in XX/XX/2020. While speaking to them they said they did not have record of my debt and could not find who they sold the debt to. They were unwilling to investigate or help at all and just keep saying we do not have or have ever had an account, im literally reading them their letter and account number, and I have no idea where to go from here as they should by law have the information of who bought the debt from them. I then called XXXX XXXX who also could not find i ever had an account with them even though i know i have since they are listed on the debt collection letter as original creditor for my XXXX XXXX, they would not send me a letter confirming that they can not find an account for me or anything.
02/02/2023	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	MO 630XX	Web
My XXXX received repeated phone calls from a man claiming to need to ask questions because I used her a reference in a legal matter from XXXX ( XXXX ) XXXX. When she questioned why they were calling he started cursing at her and hung up. They then repeatedly called my XXXX from the same number and used profanity when he questioned why they were calling. I called the number he called from and they said based on my phone number they had nothing on me, they were a processing company and XXXX at me when I asked why they were repeatedly calling my family members if they had nothing. He is leaving voicemails saying he is from XXXX and saying to call back XXXX. These calls are every XXXXXXXX XXXX or so, and they refuse to disclose to anyone why they are calling.
08/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 39046	Web
This complaint is filed against ARS National Services for unlawfully obtaining my XXXX consumer report on XX/XX/2022 without my authorization or a permissible purpose under the FCRA. Im aware the FCRA allows consumer reports to be obtained but only per 15 USC 1681b. I have not initiated any transaction with ARS National Services. Furthermore, I do not have an account as defined under 15 USC 1693a ( 2 ) with ARS National Services, for review or collection. I sent ARS National Services a certified letter via USPS with tracking XXXX XXXX XXXX XXXX XXXX, which they in fact did receive. I have enclosed a copy of the signed PS Form 3811. Im demanding this company provide documentation supporting their permissible purpose for obtaining my XXXX consumer report.
08/08/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	LA 70114	Web
XX/XX/2022 I received a letter from a company called ARS National Services Inc. stating that this was an attempt to collect a debt for XXXX. I replied with a validation letter on XX/XX/2022, asking that the company please provide me with validly giving them 30 days from when they received the letter. ARS National replied XX/XX/2022 not taking the full 30 days to investigate they replied with the same settlement letter they sent before giving me 3 options to choose from. I then replied back with a failure to validate letter asking that they please provide validly within 15 days of them receiving the letter. They still have failed to provide me with validly so they are agreeing that this debt is false and I would like this removed from my credit report.
09/30/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CT 06473	Web
This is not my debt. This is the debt of a family member. I was contacted several occasions and left voice messages on XX/XX/22 and XX/XX/22 by XXXX XXXX ( XXXX ) of XXXX ( XXXX XXXX XXXX XXXX, XXXX, CA XXXX ). On these voice messages there was threatened action of contacting employer, filing claims against SSN, accessing personal financial records of said family member/disclosure of debt. I attempted to call back to ask for my number to be removed and was unable to reach this person. I chatted online at the ARS asking how my phone number was obtained as the family member of the debtor and was told they didnt know and I had the wrong company. I would like this harassment to stop and will be filing additional complaints with state agencies.
04/20/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	LA 70601	Web
I owed XXXX {$1600.00}. The account went into collections and was serviced by ARS. I began paying them and they then offered a settlement agreement. I paid the entire settlement agreement onXX/XX/XXXX. It stated it would take 30 days for my credit report to reflect it. Well XXXX 's is now reporting on my credit report that I now owe {$330.00}. So I called ARS. They stated they submitted that they payment agreement was paid in full to XXXX and that I need to contact XXXX. I called XXXX and spoke with XXXX, # XXXX. She said that I paid ARS, not them, and I that I owe them the remaining balance of {$330.00}. She said I made an agreement with ARS, not XXXX. So I still have a balance due with them. ARS was acting on XXXX behalf in this matter!
05/30/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NJ 070XX	Web
I received a letter fro m ARS National Services Inc da ted XXXX XXXX 2017 stating that an account ( XXXX XXXX XXXX ) has been placed with their organization for collections with a balance of {$1000.00}. On XXXX XXXX , 2017 I sen t ARS National Services Inc a letter that they received on XXXX XXXX , 2017 to provide me with proof that this debt belongs to me. ARS National Services Inc sent a letter dated XXXX XXXX , 2017 stating the date account was opened, the last charge made on account, the last payment made on account and two billing statements from XXXX XXXX . ARS National Services Inc has failed to provide me with a contract with my signature stating I agreed to this debt.
04/19/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60446	Web
I received a letter from ARS National Services , XXXX XXXX XXXX XXXX , CA XXXX , ( P ) XXXX , ( F ) XXXX regarding a debt that they state I owe. I sent a letter requesting information verifying the debt, including proof of the debt, the date of the last payment and when the debt became delinquent, copy of the last billing statement and if they are licensed to conduct business in the State of Illinois and provide the name, date, license number of the state agency issuing the license. I received what appears to b e a Excel spread shee t with what appears to be information that is not in a billing invoice format containing any information requested to verify the debt.
05/18/2021	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	ID 83301	Web
Today a gentleman named XXXX XXXX working for XXXX XXXX XXXX XXXX contact my mother, brother, father, and wife and told them what the debt was for how much i owed and the amount they could pay to take care of it. i never once heard from the company and when my wife informed him that he was breaking the law he decided to hang up and call all of my family members back and leave voicemails demanding i call him due to her committing fraud. i emailed them a cease and desist letter and they continued to reach out to references and give them information after that. any contact they have with me needs to be through physical mail and that is all. we have the voicemails if needed.
04/05/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MO 63043	Web
Your full name : XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX . XXXX, XXXX XXXX, Mo XXXX SSN:XXXX Date of birth:XX/XX/XXXX Date:XX/XX/20 New information request : Dear Creditor, Im not sure why your company is still reporting this inaccurate account to the credit bureaus, but I have a new information request based on the account. Creditor : Account : Please show me proof that your reporting is 100 % accurate. I would like to know that my rights are not being violated. Because the reporting of this item is not following the reporting procedures stipulated by the Fair Credit Reporting Act, I request an immediate deletion. Please pay attention :
07/12/2017	Yes	Debt collection Credit card debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	LA 70809	Web
I contacted XXXX XXXX first I put my last 4 of my acct in collections in and got connected to ARS. I told them could we agree on a price and get my acct PAID TO DELETE on my acct. They then told me that they do not report to the Bureaus, XXXX XXXX does so I would have to call them and they gave me the number. I then called, XXXX XXXX back, spoke with the 1st rep which said they would help then connected to the second rep in collections and I requested what I told the rep with ARS a Pay to Delete settlement. Well they said they will report Settled debt but do not honor PAY TO DELETE. Now I know they can do it but they are giving me a hard time.
09/19/2016	Yes	Credit card	Delinquent account	NC 28025	Web	Servicemember
I had originally established a repayment plan which consisted on XXXX mo repayment plan, when I had XXXX payments left on the repayment I was in an auto accident which caused me to not be able to make the last XXXX paymen ts of the repayment plan. ARS national services did not contact me in any form till several months later by mail to enable me to fulfill the plan., The amount left was approximately {$170.00}, but now ARS is stating a balance of {$1700.00} approximately. When I spoke with a representative on the phone she stated they had called me several times but did not leave a voicemail, that the company would not leave voicemails.
09/02/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA XXXXX	Web
I am receiving information regarding a debt but the collection agency does not provide the information to verify this debt. They are sending information for a limited amount of time but they state that this credit card was opened in 2015 but they keep sending me information and records for years but no information for 2015. I was sent information listings that includes other customers name and their personal information including my personal information. I requested information regarding the credit approval in 2015 3 times to no avail. I am really concerned about the information being sent to me regarding this debt.
03/06/2020	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NH 032XX	Web
ARS National Services somehow obtained my boyfriends name and private cell phone number in an attempt to contact me. I was not with my boyfriend at the time of holding the account ( XXXX ), nor was he ever at any point in time listed on the account. Clearly they used deceptive and unethical means to obtain this information. When I contacted them about it, they assured me that no personal information was shared, however they provided who they were and that they were calling about a private matter. By proxy, this is providing information that it is an attempt to collect a debt as they are a debt collection company.
07/01/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 94062	Web
My number as been associated with another party that ARS ( ARS National Services ) is attempting to collect or clarify a debt obligation. I have responded in person on a number of occasions to a number of the 50+ messages left on my cellular voice mail morning, day and evening. I have requested my number be removed from their records. I have been unsuccessful in stopping the harassment and would like the CFPB to step in and help. I want ARS to honor my request to cease and desist contacting me for debt obligations that are unrelated to me and hope my issue helps others that are facing the same problems.
12/01/2017	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	TX 79912	Web
I paid for the purchase and balance of {$15.00} in XXXX XXXX. XXXX XXXX, XXXX did NOT credit my payment and charged late fee of {$29.00} I called and was told PAYMENT would be credited to account and late fee waived. I continued to receive statements showing more LATE FEES of {$39.00}, {$39.00}, {$39.00}, {$40.00}, and {$41.00} until the balance is at {$280.00}. XXXX 's charged off and sent debt to collection agency ARS. I have faxed to XXXX 's on XXXX XXXX, XXXX and emailed to ARS on XXXX/XXXX/XXXX but have not received any response.
07/24/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ XXXXX	Web
I received an alleged Delinquent Parking Violations Debt Notice from ARS National Services Inc. XXXX XXXX XXXX XXXX XXXX CA XXXX. Phone : XXXX. The alleged pertinent information is as follows : Claim of : XXXX Dept of Finance. Case # : XXXX ARS Reference No:XXXX Total Amount Due : {$230.00} as of XX/XX/2021. Letter date : XX/XX/2021 It states to reply within 30 days to dispute. I received the letter on XX/XX/2021. Obviously this is a bad business practice and needs further regulation and oversight. Permission to publish this is granted.
05/03/2016	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	AZ 85302	Web
I was contacted on behalf of XXXX by ARS National Service to collect on my outstanding debt. After an agreed upon settlement amount, I was told that if I made a payment over the phone with them through a check, my check would be written directly to XXXX and not ARS National Service. I had ARS specify this. When my check was cleared through the banking system, the image of my check said 'Pay to the order of ARS National Service '. I still have not received confirmation from XXXX that my balance was settled and paid in full with them.
01/17/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	VA 23059	Web
ARS XXXX have called both myself and my spouse regarding a debt collection for a debt that is not ours and threatening legal action if we dont respond. When I call they are looking for a person with the same first and last name, but different DOB and SSN. I I tell them my info and ask how I can get them to stop calling, they hang up. Calling 1-2 times daily. XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX etc They also call using a spoofing device to make it appear from a local number.
04/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AK 99654	Web	Servicemember
I settled an account I had with XXXX that had gone to collections. The collection agency promised to close the account and show a XXXX balance on my credit report once I settled the outstanding balance. After settling the account the collections agency ended up reporting the account with a charged-off balance and shows as still active. I disputed the information with XXXX to no avail, despite submitting documentation from the collection agency stating the terms of the settlement having been met. See attached.
08/12/2020	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 95330	Web
I have a loan with XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX, and ARS ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX, and ARS ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
12/18/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48089	Web
ARS National Services sent me a response to a validation request I sent to them on XX/XX/2018. I am not under contract with ARS National Services not was a contract sent to me to validate this debt request. I do not owe this debt and al requests to collect should cease and be removed from all credit bureaus. Due to my rights as a consumer being violated this debt needs to cease reporting to the Credit Repair Bureaus all three.All incorrect unvalidated information needs to be deleted immediately.
02/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30305	Web
I am a victim of identity theft and someone used my personal information to obtain these fraudulent account in my name. I am requesting for ARS National Services affiliated with XXXX to remove and delete these fraudulent accounts immediately from my credit report. !. XXXX XXXX Account # : XXXX XXXX. XXXX XXXX Account # : XXXX I have included a copy of my police report and FTC Report for these fraudulent accounts to be remove and deleted immediately from all three major credit reporting agencies.
01/21/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	CA 91042	Web
This company has been harassing me for weeks. REpeated calls, texts, threats about getting an attorney. I have asked them to stop contacting me and i received a phone call about me asking them to stop calling me. I have also told them if they didn't stop i would be reporting them to CFPB and they called me about that. They call from multiple numbers and the texts and calls continue to tell me they have my social security number and documents and to contact an attorney.
10/19/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NJ 076XX	Web
My family is harassed by calls at all hours of the day ( including on weekends ) from ARS National Services, a debt collector, asking for an individual named XXXX XXXX. This person has never lived in my household. I have asked ARS multiple times for my number to be removed from this list yet I continue to get calls. This has been going on for months. I have asked them multiple times for the creditor they represent but they have refused to do so and have hung up on me.
01/23/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	VA 22193	Web
I called the company and they didnt want to hear that the debt was not mine. Stated repeatedly that it was owed because " it was under my name '' I have not used XXXX in YEARS and the information and debt letters were sent to my mother 's address. An address I have not lived at for over 10 years. I requested to get this removed and disputed this with them as well. I keep receiving letters with them sent to my mother 's home in regards to this and I 'm NOT happy!
10/13/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60178	Web	Servicemember
COMPANY CALLED XXXX XXXX XXXX XXXX HOLDS MY DEBT FROM XXXX XXXX XXXX THEY HAVE RECEIVED XXXX LETTERS FROM XXXX OF XXXX TO XXXX OF XXXX TRYING TO SETTLE THIS DEBT! THE SETTLEMENT OFFER WAS XXXX WHICH I AM STILL WILLING TO AGREE WITH AS LONG AS THEY RESPOND TO ME, ACCEPT THE OFFERING WRITING AS WELL AS PUT IN WRITING THAT ANY AND ALL INFORMATION PERTAINING TO THIS WILL BE REMOVED FROM ALL THREE CREDIT BUREAUS. THEY HAVE REPEATEDLY IGNORED ME.
09/13/2021	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted your employer	HI 96813	Web
There has been no judgement filed against me, I was not served by ARS, I asked for validation of debt and they sent me someone elses personal file which was not mine. ( Obvious error ) call me and threatened to call my employer, they know where I work already ( but Im an independent contractor ) but Im the voice mail they threaten to call my company to embarrass me. Ruin my reputation and force me into answering by using scare tactics
01/17/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 77379	Web
ARS National Services is attempting to collect a debt that I do not owe. I never authorized an account with XXXX XXXX XXXX. Therefore ARS has no legal right to attempt to collect any money from me. ARS has not validated this debt nor sent me an initial notice of collection. ARS is calling and requesting a settlement payment for an alleged debt that I do not owe. ARS is acting in a misleading manner and is in violation of the FDCPA.
01/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77083	Web
I sent a letter to XXXX XXXX XXXX requesting that they validate Not verify a debt that they are reporting to the three credit bureaus. I specifically asked for a signed agreement and other supporting documentation. They provided me with no documentation to prove that I am obligated to pay them anything only a ledger. They have reported delinquent information to the credit bureaus that I am asking to be deleted.
08/19/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	OH 442XX	Web
XXXX bank agreed to close my account in 2019 and refund me for my XXXX after making the balance XXXX on my credit card. They kept it open. And never send me a check for reimbursement. They are now trying to Give my debt to a debt collector. I agree to none of this debt and they still have my {$200.00}. I had 2 reversed payments and they closed my account but all along kept it open and it is damaging my credit.
10/07/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28269	Web
I was illegally XXXX by a prowling opinion that felt obligated to call me abused and interrogate me as if I was a threat to someone or myself illegally and now insists that I pay the bill it created by attacking me and giving me no right to representation or even a say so with its own decisions and blaming even my parents. The bills created by this covetous force should be sent to who created them.
10/29/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11434	Web
Im a victim of identity thief they got my credit card information and used it when I found out i call the company and they still wanted me to pay the bills which I was because they were giving me a headache when I made most of the payment they closed the account I try my best to get the account open back they wouldnt so I asked why Im I paying for something I didnt use and the money kept going up
07/14/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	NJ 07018	Web
I paid the agreed settlement amount on XXXX XXXX, 2015. I contacted the company and asked for a letter stating the account was paid and closed. The letter I received still states i have a balance with the company and the supervisor ( XXXX XXXX ) I spoke with stated that ARS sends these letters out this way and I would not receive anything else other than this even though I don not owe a balance.
07/15/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98072	Web
On XXXX we received a letter from ARS national stating that we owe some money that was n't paid. This is the first documentation we received concerning this issue. When we looked in to it we have never had an account with the credit card company mentioned. We did then pull a credit report and it is showing up on our report. We need to get this removed and our credit repaired. This is not us.
11/18/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	CA 92130	Web
I 'm receiving collection notices from ARS National Services Inc., for debt for a XXXX account which was fully paid. The debt appears to be late fees and interest charges, not charges purchases. I tried to resolve the issue with XXXX over a year ago but they transferred the account to a collection agency and I 've been receiving notices despite several attempts to clear the account.
08/06/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 77379	Web
ARS National Services is attempting to collect a debt that I do not owe. Therefore ARS has no legal right to attempt to collect any money from me. ARS has not validated this debt nor sent me an initial notice of collection. ARS is calling and requesting a settlementpayment for an alleged debt that I do not owe. ARS is acting in a misleading manner and is in violation of the FDCPA..
10/15/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 94803	Web
ARS NATIONAL SERVICES Inc has sent me a notice which is the first letter Ive received from them. This first paragraph is the reason we have the CFPB is around. This is an threatening letter. The first paragraph is THREATENING potential lawsuit and lawyers if I dont respond. This is the first form of contact using scare tactics and threats. This is a direct VIOLATION of my rights.
10/15/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 94803	Web
ARS NATIONAL SERVICES Inc has sent me a notice which is the first letter Ive received from them. This first paragraph is the reason we have the CFPB is around. This is an threatening letter. The first paragraph is THREATENING potential lawsuit and lawyers if I dont respond. This is the first form of contact using scare tactics and threats. This is a direct VIOLATION of my rights.
01/10/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA 90745	Web
ARS National Services was paid for Us by XXXX XXXX XXXX. They claimed they have not been paid the last payment but they were on XX/XX/2020. We faxed them all the information they said they needed. I want to say in XXXX of last year but they are reporting every month that we are a late pay again. This is hurting our credit. We have already contacted them though XXXX.
07/26/2018	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	MD 217XX	Web	Servicemember
I receive calls mutiple times a week on my cellphone. No voicemail is ever left and they call from a blocked number. When I don't answer they then call me at work after I have asked them not to call me at my place of employment. My last contact with ARS on both my cell phone and at work where again I told them not to call was on XX/XX/2018 at XXXX EST
03/05/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA XXXXX	Web
After attempting to validate debt with ARS National Services I received a response with a statement from the original creditor however with no documentation from the original creditor that the debt has been assigned or sold to ARS. If ARS National Services Inc does not have this from the original creditor they are authorized to collect on this debt.
08/26/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	FL 33604	Web	Servicemember
Sent cease and desist letter to collection agency on XX/XX/2020. Received a return letter violating Fair Debit Collection Practices Act. Then I sent a letter with Affidavit of truth, exhibits and invoice for violating my rights as a consumer, natural person and original creditor on XX/XX/2020 certified mail with return receipt with signature.
06/15/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78747	Web
I received a call from XXXX. The woman on the phone said she was with ARS National and she had a legal issue in her office that needed my immediate attention. I refused to confirm who I was, because I had no idea who it was actually calling me. When I refused she threatened " That's fine. I'll take it up with your employer '' and hung up.
04/01/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07960	Web
I receieved multiple phone calls from ARS National. I requested the company provide me with the verifcation of the debt and who it is from. I wanted to know what company was trying to collect the debt from me. They told me they would not provide me with any information unless i gave them my social security number or date of birth.
08/18/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	NV 89147	Web
I sent a certified letter to ARS National XXXX XXXX XXXX XXXX CA XXXX asking for verification of the debt, i have proof of the time of receipt. They called later that day after receipt of the letter when they are not allowed to attempt to collect the debt now that verification was requested and waiting for response per the FDCPA.
10/29/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11434	Web
Im a victim of identity tiff someone got my card information and used it to shop I contacted the company this was already removed from my credit report and now its back, I had a XXXX account and was paying my bill on time every month until this happened and the company wants me to pay that bill when Im not responsible for it.
08/11/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	NY XXXXX	Web
CFPB XXXX XXXX. XXXX ARS National Services just sent me a collection letter I just received today no date to when it was written but did say I have to get back to them by XX/XX/2022 today is XX/XX/2022 trying to collect a debt that they know is exempt from there collection enclosed there letter are they crazy to do this
05/28/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL XXXXX	Web
On XX/XX/20 I've received notification from ARS National Services in regards to an alleged debt owed to XXXX XXXX in the amount of {$4100.00}. In accordance with Federal law ( FCRA ), please provide proper validation of this alleged debt. ( Validation consisting of a valid agreement bearing my handwritten signature ).
09/13/2023	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	NY 10303	Web
My complaint is that ARS National Services Inc there address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX phone is XXXX XXXX the collection agency is constantly harassing me for a very old credit card store debt that's over the statue of limitations their abusing their power by calling me I tape these calls for evidence
11/27/2023	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	MI 48917	Web
At XXXX XXXX XXXX XXXX ARS called my brother on his personal cell phone looking for me. That cell phone is not linked to me at all and the only connection is the last name. As far as I'm aware it is illegal for ARS to contact or even threaten to contact friends and family to try to collect on a debt.
01/05/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	NY XXXXX	Web
As previously stated to ARS. The debt they are attempting to collect does not belong to me. I was a victim of identity theft. I do not want them putting this bogus account that does belong to me on my credit report. They keep writing me about a XXXX account. there reference number : XXXX
01/01/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	GA 30281	Web
I paid ARS National Services Inc.XXXX and XXXX was to be forgiven. I paid ARS which is the collection agency for XXXX. I paid settlement amount of XXXX and they were to report a XXXX balance to all XXXX credit reporting agencies which they never did. They still expect me to pay XXXX.
05/15/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 90706	Web
I getting call from debt agencies daily. I have put there numbers on block list. It is usually same companies, but change their numbers. They leave no message. I believe these are robocall scamming. This has been going on for months. Companies are : XXXX XXXX XXXX Ars National Sr
11/16/2019	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 335XX	Web	Older American, Servicemember
I submitted a complaint to the CFPB regarding their multiple phone calls, after contact, and they subsequently sent the account to a Collection Agency ( ARS National Services ) threatening to negatively impact my credit even tho I am not 30 days past due!!!
11/07/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30350	Web
ARS National Services needs to delete and remove this XXXX account from my XXXX credit report or legal actions will be taken against XXXX and ARS National Services. I did not open this account. This is fraud and needs to be deleted and removed immediately.
03/01/2021	Yes	Debt collection Credit card debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	OH 444XX	Web
XX/XX/2012 {$1900.00} by company i check online i cant log in first time it said cant log in.. i feel it rip off i check reviews.. i called.. i asked them offer settlement.XXXX they said ( attitude on phone ) no.. i wont pay for it.. i hung up on them..
01/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 071XX	Web
I never had a record with these authorities/leasers. I attempted to get in touch with them a few times and request verification of possession however they neglected to send me the important documentation to demonstrate that I actually own this record.
09/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34714	Web	Servicemember
My personal information had been stolen and account had been open in my name, I have been a victim in recent and passed data beaches, I had file an id theft report with the FTC, and I'm requesting these information to be block from my credit file.
04/28/2018	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 91701	Web
At XXXX XXXX today my husband was contacted by the collection agency regarding a, " Personal business matter. '' My husband previously worked for a collection agency and stated the caller was divulging my personal business without authorization.
08/31/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30043	Web	Servicemember
I just found out that my identity had been stolen, in effort to clear my name I want to report that accounts had been opened in my name without my knowledge. I am requesting for these accounts to be removed from my credit report intermediately.
04/15/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	NY 11385	Web
ARS national Services keep bothering about a Bankruptcy. They have to know that U.S.Bankruptcy Court XXXX District of New York closed this case # XXXX.By law I do n't owe any money. Now I 'm trying to rebuild my credit.
08/20/2021	No	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	SC 29223	Web	Servicemember
This company continues to call my place of employment. On XX/XX/2021 I sent them an email telling them they do not have permission to call me at work. I have left them messages when I call them back multiple times.
03/11/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	AR 72761	Web
PLEASE BE ADVISED THAT I GOT MARRIED AND HAVE CHANGED MY NAME TO XXXX XXXX XXXX, ON XXXX XXXX XXXX ACCOUNTS WHERE XXXX XXXX XXXX XXXX XXXX PLEASE FURNISH HISTORIES IN TRADELINE AND SOL EXPIRED. OLD NAME XXXX
07/09/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX XXXXX	Web
These XXXX XXXX call all of my phone numbers looking for someone else. I've told them to stop calling, but they continue. They don't care. They are liars and I'm sure their response will be a lie also. XXXX.
09/16/2022	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 34983	Web
This company calls multiple times with different numbers when I look up numbers its computer generated numbers. I said same thing about sending info to me its misleading with out proof. Company name is ARS
09/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CT 06360	Web	Servicemember
I have found fraudulent accounts or hard inquires in my credit report that I did not authorize such accounts needs to be remove from my credit because they do not belong to me nore I have authorize them.
05/23/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	DC XXXXX	Web	Older American
This is an original account from XXXX ending in XXXX . The debtor, XXXX XXXX , is in a XXXX XXXX XXXX receiving XXXX and thus is not able to make payments or pay the debt at all.
09/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11211	Web
Dear Sir or Madam, I received letters from ARS stating I owe a few debts. I am requesting a validation of debt. I am distressed and annoyed and fearful from being harassed by these debt collectors.
02/09/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	WA 980XX	Web
1 ) Received Debt Collection letter by 2nd party debt collection. 2 ) Debt has already been paid in 2019 through Sign In America. 3 ) Notice was sent to ARS National Services Inc.
05/22/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NC 28216	Web
I have received multiple phone calls from ARS National Services. They have repeated called my friends and family. I asked them to send me a debt validation letter in writing.
08/09/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 91801	Web
This company continued to send debt collection documents for an individual that I do not know, to my property address, after I returned their mail. Please ask them to stop.
10/09/2018	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted your employer	NY 10024	Web
I WAS CALLED SEVERAL TIME FROM THIS COMPANY CALLED ARS NATIONAL XXXX THEY are calling my cell phone and my job and I've asked these people many times to stop calling me.
06/02/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 34208	Web
I receive multiple daily phone calls from the company, which are followed by 5 to 10 robo calls right afterward, all documented by a scam blocker app through XXXX XXXX
05/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 080XX	Web
I submitted an opt application to the XXXX platform and do want to use their services. I would like to issue a security freeze within their system.
02/24/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	AL 36605	Web
XX/XX/2022 Amount : {$2500.00} My information was given to this company without my consent. The company is in direct violation of 15 USC 1692
02/16/2016	Yes	Debt collection Credit card	False statements or representation Impersonated an attorney or official	IN XXXXX	Web	Older American
A. AR.S.XXXX XXXX XXXX Ca XXXX XXXX THIS COMPANYcaims to be XXXX XXXX this account is being paid by chapter XXXX trustee XX/XX/2014 XXXX XXXX
09/22/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	IL 60445	Web
BOTH AFFILIATES COLLECTION COMPANIES FAILED TO VALIDATE SAID DEBT, AND APPEARED ON MY CREDIT REPORTS W/O CAUSE, ALSO, FDCPA, TCPA VIOLATORS.
12/04/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32750	Web
Received a letter from debt collection company name ARS National Services Inc. We do not know where this amount coming from.
12/04/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32750	Web
Received a letter from debt collection company name ARS National Services Inc. We do not know where this amount coming from.
11/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	AR 72712	Web
XXXX XXXX XXXX SOLD TO ARS REF XXXX AND WAS INCLUDED IN MY CHAPTER XXXX BANKRUPTCY XX/XX/XXXX, DISCHARGED XX/XX/XXXX.
08/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77338	Web
sending me bogus letters about a debt that I do not owe XXXX XXXX XXXX XXXX XXXX XXXX ars national services inc
06/26/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA XXXXX	Web
this is a very old debt that is being sold and resold to debt collectors that like to fish for money.,
07/09/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MD 20705	Web
Debt was settled by the original creditor ( XXXXXXXX XXXX ) This debt in bankruptcy proceedings
06/19/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	NY XXXXX	Web
ars national services inc attempting to collect on exempt funds they must stop at once
12/17/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	PA 183XX	Web
Debt was not verified doctor visit was not me. Failed to verify it was me.
07/26/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 11211	Web
Debt Collector is trying to collect on a debt that i do not owe.
01/23/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	NY 11211	Web
XXXX is not mine, and ARS is insisting it is mine.
01/07/2024	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	VA 22041	Web

12/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 71854	Web

12/19/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91606	Web

11/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 24017	Web

10/21/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11204	Web

10/12/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TN 38018	Web

09/17/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IN 46526	Web

09/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28134	Web	Servicemember

07/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 19141	Web

06/18/2023	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	NC 27262	Web

06/13/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 30017	Web

05/31/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90015	Web

05/24/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 11216	Web

05/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11385	Web

05/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	NY 10037	Web

05/15/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	NJ 07036	Web

05/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK 73111	Web

04/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27262	Web

04/20/2023	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 Was not notified of investigation status or results	PA 19066	Web

04/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	RI 02908	Web

03/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77284	Web	Servicemember

03/03/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	KY 40228	Postal mail

02/28/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 95822	Web

02/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 64150	Web

01/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30080	Phone

11/15/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Privacy issues	TX 77399	Web	Older American, Servicemember

11/10/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Seized or attempted to seize your property	OH 44313	Web

10/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07003	Web

10/09/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	FL 33437	Web

08/18/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CO 80017	Phone

07/12/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	KS 66216	Web

07/11/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	SC 29016	Web

05/17/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	VA 23601	Web

05/14/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	VA 22102	Web

05/05/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	FL 33436	Referral

03/29/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MO 64155	Referral	Older American

03/25/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 91384	Web

03/21/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	FL 34474	Web

03/21/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY 10465	Referral

03/18/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10465	Referral

03/02/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11203	Referral

02/15/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	CA 90250	Web

02/15/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 90250	Web

01/20/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 23059	Referral

01/19/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 45204	Web

01/14/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33773	Web

12/27/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NY 11236	Web

12/22/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28262	Web

11/09/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30106	Web

11/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 07083	Phone

10/26/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	NY 11581	Phone

10/06/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NY 10603	Postal mail

09/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11758	Referral

09/14/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30087	Web

09/13/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 12206	Referral

08/16/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA 90275	Web

08/08/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11226	Web

07/15/2021	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	CA 90275	Phone

07/06/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	ID 83706	Web

06/11/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 90272	Web

05/20/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 08863	Web

05/12/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92563	Web

03/25/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 18936	Web

03/13/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30518	Web

02/18/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30519	Web

02/12/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	VA 20190	Web

02/12/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30097	Web

02/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 15110	Postal mail

01/28/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30096	Web

12/09/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 91401	Fax

12/07/2020	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	NY 11427	Web

11/28/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IN 46268	Web

11/17/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85379	Web	Older American

11/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77407	Web

10/26/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 60303	Web

10/26/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	33418	Phone	Older American

09/23/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95127	Web	Older American, Servicemember

09/17/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90272	Fax

09/16/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	NY 11212	Referral

09/08/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90026	Postal mail

08/17/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60461	Fax

07/21/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AR 72738	Web

07/09/2020	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 75355	Web

07/09/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30047	Web

07/02/2020	Yes	Debt collection Credit card debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CA 95632	Web

06/29/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	PA 19403	Fax

06/24/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94015	Postal mail

05/24/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 90027	Web

05/21/2020	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	GA 30052	Postal mail

05/21/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	NY 10941	Referral

05/09/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 94015	Referral

05/07/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 15601	Postal mail

04/27/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 95624	Web

04/20/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	OR 97754	Web

03/19/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MO 63043	Web

03/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75707	Web

02/14/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MD 21890	Referral

02/11/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MD 21208	Web	Servicemember

01/23/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MI 49259	Postal mail

12/31/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33510	Web

12/02/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MD 21208	Web	Servicemember

10/02/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 10306	Referral

09/30/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95621	Web

08/16/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NV 89119	Postal mail

08/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85747	Web	Servicemember

08/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85747	Web

07/28/2019	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NJ 08332	Web

07/25/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30044	Web	Servicemember

07/24/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29924	Web	Servicemember

06/13/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	PA 19403	Referral

06/12/2019	Yes	Debt collection Credit card debt	Communication tactics Called before 8am or after 9pm	AZ 85737	Web

06/12/2019	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	AZ 85737	Web

06/09/2019	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	AZ 85737	Web

06/09/2019	Yes	Debt collection Credit card debt	Communication tactics Called before 8am or after 9pm	AZ 85737	Web

06/09/2019	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	AZ 85737	Web

06/08/2019	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	AZ 85737	Web

06/08/2019	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	AZ 85737	Web

06/07/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NM 88011	Fax

06/05/2019	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	OK 73099	Web

06/03/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19403	Referral

05/08/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	IL 61103	Phone

03/20/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PR 00921	Web	Servicemember

02/26/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 32963	Phone	Older American, Servicemember

02/06/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 10453	Referral

01/08/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43228	Web

11/08/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 92626	Web

11/05/2018	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 Difficulty submitting a dispute or getting information about a dispute over the phone	CO 80229	Web

11/01/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33762	Postal mail

10/31/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76108	Web

09/28/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 11210	Referral

09/25/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 11210	Postal mail

09/10/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	ME 04042	Web

08/29/2018	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	TN 37813	Referral

08/01/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	NY 14127	Referral

08/01/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 60620	Postal mail

07/23/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount		Phone

07/08/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	OH 45224	Web

07/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30083	Web

06/21/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	MD 20901	Postal mail

06/10/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 90241	Web

06/06/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 91764	Web

05/10/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11421	Referral

05/07/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MI 48221	Web

04/27/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IL 60565	Web

03/13/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	PA 15216	Web

03/02/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29485	Web

01/30/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75010	Web

01/28/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 10512	Web

01/27/2018	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	WA 99354	Web	Servicemember

01/09/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 90805	Phone

12/21/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	CA 91708	Postal mail

12/18/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	CA 93103	Web

12/11/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 60438	Referral

12/06/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33610	Web

12/03/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33907	Web

11/07/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	DE 19977	Referral

10/27/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	FL 33916	Web

10/20/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 90004	Web

08/24/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33063	Web

08/07/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OH 43615	Postal mail

08/01/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NY 10462	Postal mail

07/13/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91504	Web

07/10/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 95945	Web

06/21/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt		Postal mail

06/12/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NJ 07304	Web

06/06/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91222	Web

05/25/2017	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33016	Postal mail

05/22/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 76014	Referral

05/10/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	NY 11104	Postal mail

04/20/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	NY 10032	Web

04/17/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	IL 61103	Web

04/10/2017	Yes	Debt collection Credit card	False statements or representation Indicated committed crime not paying	FL 33125	Fax

03/29/2017	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	NY 14127	Web

03/23/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	NY 10462	Postal mail

03/16/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	NY 10001	Referral

02/27/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	IL 60543	Postal mail

01/25/2017	Yes	Credit card	Billing disputes	VA 22193	Web

12/23/2016	No	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 90017	Web

12/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 11355	Postal mail	Older American

11/29/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	SC 29841	Web	Servicemember

10/17/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	CA 95242	Phone	Older American

10/05/2016	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me after I asked not to	MO 63021	Web

09/30/2016	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	WA 98226	Web	Older American

09/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MA 01073	Referral

08/26/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	CA 92150	Web

08/17/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NY 10031	Postal mail

06/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	IL 60419	Referral

05/30/2016	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted employer after asked not to	NY 13421	Web

05/11/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	NY 10032	Web

04/20/2016	Yes	Credit card	Payoff process	AR 72442	Web

04/07/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	IN 47355	Referral

03/31/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NC 28722	Referral

02/12/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	NY 11385	Web

02/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NJ 07010	Referral

12/30/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	OR 97078	Postal mail

12/29/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NV 89027	Postal mail

12/14/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	PA 17406	Referral

11/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 10033	Referral

11/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 11378	Postal mail

10/14/2015	No	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	MO 63366	Web	Older American

09/04/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 11226	Referral

07/22/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30094	Web

06/10/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	FL 32708	Web

06/05/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	NY 10457	Referral

04/30/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	NY 11377	Referral

04/28/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	PR 00927	Postal mail	Older American

04/27/2015	No	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	NC 28086	Web

04/06/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	PA 19075	Web

03/09/2015	Yes	Debt collection Credit card	Communication tactics Called after sent written cease of comm	OH 45373	Referral

03/05/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30677	Web

02/23/2015	No	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	FL 32114	Web

01/31/2015	No	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	NY 11934	Web

01/22/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	TX 75206	Web

01/16/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 76692	Phone

01/16/2015	Yes	Debt collection Credit card	Communication tactics Called after sent written cease of comm	OH 45065	Web

01/14/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MO 63701	Web

12/24/2014	Yes	Debt collection Credit card	Communication tactics Called after sent written cease of comm	OH 45065	Web	Older American, Servicemember

12/22/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 11203	Referral

12/20/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 93023	Web	Older American

12/16/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 11220	Web

12/02/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	MD 20784	Phone

11/07/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	NY 11362	Web

11/06/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	IL 62254	Web

10/28/2014	No	Debt collection Credit card	Communication tactics Frequent or repeated calls	CA 92110	Fax	Older American

10/22/2014	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	MN 55419	Referral	Older American

10/02/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	FL 33702	Web

10/02/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 91709	Web

09/20/2014	No	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 94619	Web

08/20/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 94134	Web

08/13/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 95838	Web

07/22/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 10014	Web	Older American

07/12/2014	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	HI 96793	Web

07/10/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MD 21212	Web

06/30/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	OH 45065	Web

06/26/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 77304	Referral

05/29/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 94608	Web

05/06/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 10026	Referral

05/05/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	TX 76133	Web

04/28/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 95814	Web

04/24/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 10025	Referral

03/26/2014	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	CA 95377	Web

03/14/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls		Referral

03/06/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	CA 92660	Web

01/23/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	TN 37122	Web

01/11/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 77231	Web

12/17/2013	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	XXXXX	Web

11/23/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NJ 07506	Web

11/11/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MA 01930	Web

10/31/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	VA 20191	Web	Older American

10/29/2013	Yes	Debt collection I do not know	Communication tactics Called after sent written cease of comm	ID 83616	Referral

10/12/2013	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NC 29597	Web

10/08/2013	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	AZ 85050	Referral

09/05/2013	Yes	Credit reporting	Incorrect information on credit report Account status	CA 92677	Web

08/27/2013	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	CA 95123	Fax

08/06/2013	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	NY 10037	Web

07/12/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	MD 20910	Web	Older American