Financial Credit Service, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
10/10/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	GA 30328	Web
COMPLAINT : THERE IS NO DEBT BECAUSE LIMITATIONS PERIOD HAS RAN XXXX ENGAGED IN FRAUD, ABUSE OF PROCESS AND SUPPLYING FALSE INFORMATION TO XXXX GEORGIA COURT 1. STATUTE OF LIMITATIONS ON XXXX XXXX HAS RAN : COLLECTION ACTIONS ILLEGAL The limitations period for this debt has ran in all states and thus, remains uncollectable by XXXX no matter what jurisdiction lawsuit is filed. Also by filing in XXXX County, a courthouse, XXXX intentionally and knowingly filed a false document with the court. This filing publicly damaged my reputation and possibly my employment. XXXX is harassing me by knowingly, intentionally, recklessly and negligently collecting on a debt that XXXX knows or should have known I'm no longer legally obligated to pay. By placing the burden of proof on me the consumer, XXXX has the unfair advantage of being able to file suit in any jurisdiction by claiming I ( or any consumers XXXX targets ) did not contact them, verifying my demographic information and moving forward WITHOUT having the court verify the most important aspect of my debt. 2. ACTIONABLE CAUSES AGAINST XXXX XXXX has engaged in civil/criminal harassment, civil/criminal abuse of process, infliction of emotional distress and damaging my reputation and employment by negligently, intentionally, knowingly and recklessly collecting on a debt that XXXX knows or should have known couldn't be collected. 3. BACKGROUND FACTS For about two weeks, I have been receiving calls from XXXX from collections agency, ARA. I received these calls about a supposed " claim '' I had in this office. Because I work nights, on XX/XX/XXXX, I was able to return ARAs numerous calls. I was originally told by a " representative, '' that I owed a XXXX XXXX Card from XX/XX/XXXX. I advised her that I had paid off this account many years ago and didn't owe anything. Additionally, I advised her that the limitations period had ran in Ca and Ga. Ca is four years while GA is six years. This representative I spoke with, intentionally, recklessly, knowlingly and negligently misstated the law. She stated because XXXX was " federal '' there is no limitations period. XXXX could simply wait and file in any jurisdiction thus defeating numerous state and federal statute of limitations and consumer protection laws. The manager I later spoke with also intentionally, recklessly and negligently misstated limitations and consumer protection laws. 4. XXXX LEGAL DUTIES AND RESPONSIBILITIES TO CONSUMERS XXXX has numerous legal responsibilities and obligations to the me the consumer, including proving a debt exists with all the required paperwork ( See below for XXXX legal duties and responsibilities ). By federal and state laws, XXXX must have a credible chain of custody of all documents relating to debt. By federal and state laws, XXXX must also have time within the limitations period to collect. XXXX can't wait and file in a jurisdiction with a longer limitations if the original period has ran. If XXXX can't legally file within limitations period because it has expired, any collections actions i.e. court filings, court verifications, letters to consumer, calls to consumer, are civil/criminal harassment and abuse of process. My first conversation with the representative became heated and she called me a " thief because I didn't pay the bank back ''. This representative hung up on me. Next, I called back two times and spoke with the Manager. He hung up on me once because I " swore '' at him. The second time he was able to tell me : 1. The last " activity '' on the account was XX/XX/XXXX. 2. My debt had been " verified '' by XXXX County Court in Ga. See below for XXXX illegal verification process. 3. The burden of proof was upon me to prove payment even though my Bank records are unavailable because bank aren't required to keep records from XX/XX/XXXX or XX/XX/XXXX. 4. XXXX could easily resurrect the debt beyond limitations period by simply filing in court with verification of my Identification. 5. He claimed that since I had not contacted XXXX about the " debt '' XXXX verified " debt '' in XXXX County and now I somehow owed the XXXX XXXX again. The second time I spoke with the manager, he said he sent my account bank to XXXX for review. I writing this complaint to stop XXXX from fraudulently, willingly, recklessly, knowingly and negligently collect on a debt that XXXX knows or should have known can't be legally collected.
03/01/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	AR 716XX	Web	Servicemember
On XX/XX/2019 at approximately XXXXXXXX XXXX, I received a call from XXXX XXXX of XXXX XXXX XXXX. He stated that I had a credit card debt that had already been through collections and now they were going to collect the debt. The supposed debt was a credit card through XXXX XXXX Bank. Much of this conversation is a blur because I was surprised by the call and his aggressive behavior. When I stated that there is no way this was my card/debt, he informed me that it was because it was tied to my ssn. When he read my ssn back to me I was shocked. I informed him that I don't know where he got his information, but I had never had an account of any kind with XXXX, ever. He stated that if I didn't pay {$2100.00} that this was going to be report to the credit bureaus and they were going to take some other action which I didn't understand. He also informed me that the collection agency had sent letters to 3 different addresses. I never got any letters. Never received any phone calls. We argued for a little longer and I told him I wasn't doing anything until they sent me something giving me some more information. At this point he told me for like the 5th time that our conversation was being recorded and that he needed a minute to email me what I was asking for. He stated that if I hang up while he is sending the email, that they would move forward with the process. I have attached the letter he emailed. What I found interesting is the card number is only XXXX digits. At that point I was done with him. On XX/XX/XXXX, I called XXXX to educate him on some information that I had gathered. I did not get XXXX, but got his boss instead. I informed her that I had spoken with XXXX and that they have no record on any accounts tied to my ssn. We checked multiple ways and nothing. I did not get her name, but she wasn't listening. She said it was my debt and that they had bought the debt from a collection agency. When I asked what collection agency, she would not tell me. When I told her that the credit card number she was trying say was mine only had XXXX digits in it, she gruffly responded, " that doesn't matter ''. I'm pretty sure that proving that I have debt would require an actual card number. Some where along there, she informed me that this debt is from the XXXX 's. Nothing specific, just the XXXX 's. " Oh he didn't tell you that? ". When I told her about XXXX saying I never had an account, she said very condescendingly that back then it was XXXX XXXX and today it is XXXX. She is absolutely incorrect on that statement. They would not have any records for debit from back then. No he did not. She made sure to tell me that if choose not to pay, that we will end up in small claims court. She repeatedly asked me, " are you saying you are not going to pay? '' I never once said that. I asked repeatedly for the signed application, what the charges were and where they were made. I was told that I had the only information I was going to get. I have now spoken with 3 different representatives from XXXX, the last 2 were made to understand her comments about the debt being from the XXXX 's and that they would not have any records of it because it was XXXX XXXX. They almost laughed. None of them came up with an account of any kind tied to me in any way. I have looked at 2 of the 3 credit reports and it shows no collections, no account with XXXX, nothing. I spoke with a representative from XXXX today and she looked in all the places she could look and she found no collections, no XXXX, nothing. This is XXXX and I do not know how they can still have an actual license to operate from the State of Illinois. They are nothing more than apparent legal crooks. I never received the first letter, call, nothing from anyone. And, oh ya, XXXX did a credit check on me on XXXX and XX/XX/2019. The kicker is that they did a credit check two years ago as well. Now why do you suppose they did that? I have never had even a late payment in all the credit I have ever had, let alone an account go to collections.
01/05/2016	Yes	Debt collection Payday loan	False statements or representation Indicated committed crime not paying	HI 96818	Web	Servicemember
An unnamed woman called me from an unknown number and left the following voice message on my cellphone : " Hello, this is an attempt to get a " XXXX '' County Court notification to a defendant by the name of ( my name ) in regards to an open investigation attaching several charges to be filed within the County. At this time, Sir, this message only constitutes a ( garbled ) notification that your case is currently within a non-compliant status. At this time the plaintiff reserves all legal rights to fully execute on all charges to the maximum penalty of the law within " XXXX '' County District Court. Should you wish to rectify this matter you would need to contact the plaintiff 's office immediately to avoid any legal proceedings taking forth as of XX/XX/XXXX at XXXX ( CST ) with your case. The plaintiff can be reached directly at XXXX. When contacting the office please state a reference to your docket number : # # #. This will be notated, XXXX ( my name ) as your official notification, Sir, good luck moving forward. '' I missed the phone call ( XX/XX/XXXX, XXXX XXXX HST ) ( the above is the transcript from the message she left me ), but the woman then called my wife, who answered, and was very confused and concerned, because this " woman from the County Court is calling and wants to tell you something ''. The woman told my wife that my wife 's phone number was listed as a " possible relative or point of contact. '' My wife handed me the phone, the woman tells me the same thing that she left in the message, I ask what charges, she says " XXXX charges '' I ask what about, she said " I have no more information than you, you have to call this number and contact XXXX XXXX ' ". Panicked, I called the number she gave me and a recording answered stating : " You have reached the offices of ARA ... '' and then given a list of options with the final one being " otherwise wait on the line for the next available representative. '' I gave my " docket '' number to them and a man by the name of " XXXX XXXX '' proceeded to tell me that I had XXXX charges against me because I had failed to pay a payday loan ( that I do n't remember ever taking out ) that I " took out online in XX/XX/XXXX ''. XXXX of these XXXX charges are supposedly felonies. He told me that they 've been trying to contact me for years but letters kept getting sent back with the wrong address. He then proceeded to give me a lot of my own personal information, like my place of employment in XX/XX/XXXX, a very old address, that last XXXX digits of my social security number, and my e-mail address. I told him I have n't lived at that address for years and that I had moved out of state. He said that moving out of State could be taken as me trying to " flee '' from the debt. He said that I had committed fraud and that the " plaintiff '' was going to charge me tomorrow if I did n't pay them today. When I asked him what company he was working for he just said " The Processing and Summons Department for XXXX County ''. When I asked about " ARA '' he said that within " ARA '' there are all of these departments and that his department dealt with processing and summons and that he was specifically in charge of my County and that he would be the only person dealing with me from now on. He did n't give me any more information about his company. He did n't tell me what " ARA '' stood for '' and he seemed agitated. I told him I do n't remember ever taking out a Payday loan and that this seems strange and wrong. He told me that I had committed fraud and that if I did n't pay a certain amount by today then the " plaintiff '' would take legal action. I told him I would talk to my wife and get back to him. My wife and I have since looked up " ARA '' and we keep seeing " Debt Scam '' pop up on google. We checked our credit, there is no such " ARA '' in collections against me. These people scared us out of our wits and we 're convinced that what they 're doing is a scam and illegal.
09/28/2016	Yes	Debt collection Payday loan	False statements or representation Indicated committed crime not paying	OH 441XX	Web
I was contacted by a women named XXXX claiming to be a representative for a company called A.R.A. she stated that I was being located for check fraud/passing bad checks. she said that I had taken out a payday loan and closed my bank account to defraud the company. I told her that I had no knowledge of what she was talking about but that if it was my debt I had no issue taking care of it. I continued on by asking for proof of debt. XXXX then said that we know its your debt you used to pay on it. I still insisted that I needed proof she then told me good luck in court have a nice day & hung up on me. About 15 min later I received a call from a gentlemen I know he told me that he was also contacted by the same company they told him that I had committed check fraud & that he was being located as a co-signer. Immediately I contacted the company again I spoke with XXXX I asked why they had taken this course of action when I had called in & spoke with them regarding the matter. She relayed to me that the calls would continue unless I established a repayment plan. At this point I asked to speak with a supervisor I was transferred to a XXXX XXXX she did extend an apology for the treatment I received she also stated that if I could pay XXXX $ at that moment everything would be resolved otherwise I could make payments totaling XXXX . out of intimidation and fear that they would continue to call anyone they could contact. I gave them a credit card number to establish payment. Again I asked to receive proof of debt prior to making a payment. I was then transferred to a representative to set things up again I stated that I needed proof of debt prior to making any payment. Later that evening it was brought to my attention that they contacted the gentleman 's wife as well as my father with the same accusations they were all told that they were being served papers & needed to make statements legal representation was even mentioned even though at least two of these individuals indicated that they had no knowledge of the information A.R.A was seeking. I contacted A.R.A first thing the next morning I asked to speak with XXXX XXXX regarding the aggressive approach they had taken she than transferred me to who she referred to as an in office paralegal named XXXX. I told him that I felt consumer laws had been broken he stated that this was a criminal issue & that I was not a consumer. That check fraud was a criminal act and that those laws only applied to debt collectors & he was not a debt collector. He also defended the practices of his representatives. continued on to say that regardless of any request by myself & others to not be contacted he was allowed to contact any one he wanted. That the calls would only stop if I made good on my payment. A few hours later I called again I spoke to XXXX I asked for an address for the company he refused he accused me of wanting to show up to his offices he offered me a XXXX .I also asked him who the original creditor was he stated XXXX. I than contacted the headquarters of XXXX I did in fact have a small outstanding debt that they actually sold to a company called XXXX XXXX XXXX upon contacting them I was told that they also sold the debt to a company called XXXX who is the current owner of my debt they assured me that this company has no legal right to collect on this debt. I contacted A.R.A again and spoke with XXXX I asked that all my info be deleted & that all contact needed to stop I also forwarded to them all the info I had on the current debt holder. I than contacted A.R.A to ensure that my request was being honored at which time XXXX said that since I had contacted XXXX that I was no longer to call his offices that my number was being blocked & that they were moving forward with forced collection against me
02/26/2016	Yes	Credit card	Credit card protection / Debt protection	AR 72758	Web
Received a call/voicemail on XXXX/XXXX/XXXX from what caller said was an attorneys office. Called back same day. Transcript of voice-mail from XXXX/XXXX/XXXX XXXX am Yes. Hi this is XXXX XXXX. I 'm with attorney 's XXXX XXXX Asset Recovery Division. Uh, we do have an affidavit scheduled to be filed out of XXXX County this afternoon for XXXX XXXX XXXX XXXX. XXXX XXXX, if you want any input, sir, on my decision, do n't hesitate. Please, feel free to give me a call back to avoid any further damage. You can reach me directly. My number is XXXX. My extension is XXXX sir. Thank you. Transcript of telephone conversation between XXXX XXXX and XXXX XXXX on XXXX/XXXX/XXXX XXXX XXXX XXXX : Hello, this is XXXX. XXXX : Yeah, hey how ya doing. XXXX XXXX? XXXX : Yes. XXXX : Yes sir. This is XXXX XXXX. You returned my call. I do appreciate that sir. Uh, there was an affidavit that was scheduled to be filed... actually I put it off cause I was n't able to check my voice-mail today. It 's going to be tomorrow afternoon. It is out of XXXX County. Now I needed to know whether you process service to appear and be summons on this matter. The petitioner was XXXX XXXX. There was a lawsuit for {$2400.00}. Were you aware of that? XXXX : I 've never has an account with XXXX XXXX. XXXX : Uh, the attorneys have detected from XX/XX/XXXX to XX/XX/XXXX. There were payments made. So if there was anything compromised, that 's usually not the case. Where they????? XXXX : If what you are saying XX/XX/XXXX? I believe you are a collection agency right? XXXX : No no, we are an attorneys office. There was XXXX different collection agencies though, that were doing this prior. They did send notices. I 'm sorry. XXXX : Okay, so if you 're an attorneys office then you know the state of Arkansas statute of limitations is three years on open-ended debt. XXXX : Of course, of course. Sir. XXXX : So I would like you, I would like you... XXXX : The statute of limitations, the statute of limitations only allows the current creditor or financial institution to keep, continue to place it on your credit history. They do n't have to report it after the statute of limitations runs out. If you never.. if the control-ant never files bankruptcy or disputes it, then they can reinstate it as a civil judgment. Not as a derogatory trade against you. XXXX : So, so XXXX. Are you, are you threatening to sue me? Is that what you are doing here? XXXX : Well, actually yes sir. XXXX : Okay XXXX : {$2400.00}. XXXX : Okay XXXX : So if you want to appear, that 's fine. You have the right to. We do n't beg, we 're not asking.. XXXX : So you, you do know threatening to sue is a violation of the Fair Debt Collection Practices Act, correct? XXXX : Do you want to resolve this voluntarily? XXXX : Hey XXXX. XXXX : We are proposing an affidavit XXXX : XXXX XXXX : To be filed out of XXXX : XXXX XXXX : XXXX County to have you address the matter. XXXX : XXXX, I am going to let you know right now that I have been recording this call. XXXX : You did n't have my permission. XXXX : I do n't have to. In Ark... XXXX : That 's against the law. That 's against the law. XXXX : In Arkansas, only one party has to consent to a voice recording. XXXX : That 's okay sir. You 're an educated, you 're an educated debtor. We understand. XXXX : I am. I am. And I 'm going to tell you right now, Do not contact me again. XXXX : We speak with several, we speak with several people like you daily sir. Okay. XXXX : Do not contact me again. XXXX : Alright, I wish you luck sir. XXXX : I would, I would like your address.
06/28/2016	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened to sue on too old debt	CA 91706	Web
I was contacted repeatedly and harassed to the point of tears by an agency trying to collect on a cc debt from 1997. I honestly do n't know what they are referring to, but when I said I would need to speak to a lawyer, the woman accused me of fraud and said they would sue me and garnish my wages immediately. That it was too late for a lawyer and that I needed to make a promissory payment to stop the lawsuit. I told her I do n't know what she 's talking about, but she had my social security number and said it was my debt. that I owed over $ XXXX but they would settle at {$3800.00}. And that they would only settle if I made a payment that same day. That the judge " will laugh '' at me and it was too late to get legal counsel. That they were already " in the XXXX courts system '' and I would have to pay the full amount they are already in the court system suing me for if I did n't make a payment of some sort immediately. They scared me into tears ( especially since I was n't sure about what they were referring to ). I asked if they could send me a written explanation and she said " it 's too late for that, honey. '' And that I had to pay or they would put a lien on my bank account immediately. I was shaking and stressed ( especially because I am a single mother and student with limited income ) and they threatened me into compliance. They said I needed to take a loan out on my XXXX and if I was unable to do so, that I needed to send them a copy of the denial letter from the bank otherwise the case would continue in court. Because at that point I was completely unaware of my rights, and because I definitely do n't have $ XXXX to dish out on some obscure debt attached to my social security number, I authorized a {$300.00} payment just to buy time, get my bearings and contact a lawyer. Once I spoke with a knowledgeable person, I immediately put a stop of payment and realized that their whole operation is clearly a scam. I am taken aback at their skillful tactics in convincing me I had no choice and I was bound to a debt I have no recollection about. If indeed there is a debt from 20 years ago, it is way out of the statute of limitations to collect at this point. They have not received any payment from me, as I put a stop of payment immediately as well as closing my bank account so they do n't illegally withdraw money. I sent a certified letter asking them to stop harassing me. I 've also told them on the phone since then to stop calling me but they keep calling!! I keep blocking their calls from multiple lines, but apparently they have many lines they can call from. They caused a good week of tears and sleepless nights because I could n't believe how aggressive and manipulative they are. And I am still dealing with them because they wo n't stop calling! I have no idea what this debt is. It 's XXXX years old and I would really appreciate if you were to investigate this super shady basement operation they have going on. I have screenshots of their multiple calls made after I told them to stop. I can send them to you if you wish. Thank you very much.
09/30/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	NY 10710	Web
Received a phone call last month from XXXX XXXX on XXXX/XXXX/15 from ARA ( Asset Recovery Assoc ), he called my home and spoke to a gentleman and before the phone call was over he called the man at my house a " bone head ''. The person at home called me and was very upset that this unknown agency called my home phone for me and was that rude. So I called XXXX back and he was very RUDE. He did n't want to talk about how he was rude to the person at my home all he would say was he was threatening to file a judgement against me for an old account that is 15 years old ( or older ). The threat of a judgement frightened me cause I want to move and do n't want any negative information on my credit report. He told me that I have good credit ( how could he access my credit report? ). So I wanted to address the issue of him being rude when he called my home first off, that 's when XXXX went on to say well I see you do n't want to pay this bill so I will go forward with this judgement ( with a nasty attitude ). So I asked to speak to his supervisor because he was being so rude. So he put XXXX XXXX ( who claims to be a supervisor ) on the phone and XXXX said I have a {$1700.00} balance on a particular account that needs to be settled and that I can settle it today ( for {$800.00} ) and I said I do n't have that kind of money so he insisted on a payment which I paid {$100.00} on XXXX/XXXX/15 so he said I have until the end of the month to pay another {$700.00} to settle this account and I said I do n't know if I 'm going to have it so he said I will give you until XX/XX/XXXX to pay the {$700.00} if you do n't have it I will give you until XX/XX/XXXX to pay a total of {$1000.00} to settle the account but by XX/XX/XXXX. you have to make another {$350.00} payment so I did make that on XXXX/XXXX/15. So that left I had another {$550.00} to pay by the end of the month. Before that initial phone call I had never heard of ARA nor had they ever sent me any letters for collection and they have never showed me proof of the account that they are collecting for. I called the creditor that I owe today to find out about that account and it 's not in their system and I 'm not surprised cause that was over 15 years ago. I called XXXX and was advised to cancel the {$550.00} check ( which I did cancel it ) and investigate and request further information from ARA about the account they are trying to collect from me. And the XXXX referred me to FTC to file a complaint. Everytime I speak to XXXX he 's threatening me with a judgement if I do n't settle this account ASAP and he wont ' accept anything other than a settlement. I 'm a mother with XXXX kids and I do n't need to be threatened by an agency trying to collect on an account that 's 15 years old. They have collected from me {$450.00}. I called XXXX and they have a " XXXX '' rating with lots of complaints. Can you please direct me as to how to stop them from calling me and trying to collect on an account that 's 15 years old. Thanks
06/22/2015	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	FL 328XX	Web
Debt CollectionMy sister sent me a recorded message from a XXXX XXXX that threatened to serve her court papers at her home or job regarding allegations against XXXX XXXX for issuing worthless checks. I call the number, the representative answer the phone and she immediately asked me the name of my attorney and the attorney 's phone number. I attempted to request information on what the debt was for. The Rep said it was for finance charges for a payday loan. The debt was for Finance Charges for an online loan taken out in XXXX 2011, and that the company was fully prepared to press charges to the fullest extent of the law with Felony Theft Charges if the debt was not resolved. I asked what company and she said XXXX XXXX. She offered me a deal to pay that day but I explained that I had no money and an eviction notice in my apt . I offered to set up an auto payment for XXXX XXXX, since XXXX that elect XXXX pays get a lump sum on that day. She told me to call back. When I called back she said the company said no. They wanted the money right then and will press charges for Felony Theft to the fullest extent and Fake check writing charges which could have fines in the XXXX of dollars and up to 10 years in prison. They would send that info to the circuit courts and I would have a warrant issued. She said the sent letters and emails notifying me of this situation. The letters were sent to and old address XXXX XXXX XXXX XXXX, FL XXXX. I told her that I have not been at that address for years. She said Check you email. I explained to her that I had and I did n't find anything. I then requested some kind of documentation of the debt. I said, " would you please send me a copy of the debt? '' She said, No they wo n't cuz that would give me another 90 days and the company is prepared to file charges. If I could at XXXX. That day they would press charges for over XXXX in finance charges. I then requested a web address and account number so that I could at least look up the debt. She said, " no they did n't have XXXX because they are working for the attorney office. " I then asked if she be able to send it to my phone via text. She said, No, that they would not send anything. That I just needed to pAy the debt. I asked her if there was anyway I could verify the debt and that I am not refusing to pay it if I owe but I need to make a payment setup plan and I needed to make sure the debt was legitimate. She said no that they would n't send me anything. I then told her that I would have to get back to her. XXXX We received Arrest warrant against your name under ACT XXXX ACT XXXX ACT XXXXKindly call as soon as possible before the case is downloaded into the court XXXX order to get brief information about the case before you have any trouble atyour home or job. XXXX XXXX # XXXX XXXX
07/21/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	TX 77581	Web	Older American
I received a phone call from ARA, lnc. ( Asset Recovery Associates ) onXX/XX/XXXX phone XXXX on my cell phone at XXXX XXXX. XXXX, with ARA said she was calling to collect a debt I owed for a XXXX account with XXXX XXXX XXXX in XX/XX/XXXX-XX/XX/XXXX. I told her I have always paid all my bills and I do not owe any money to XXXX XXXX XXXX and my credit score is very high. She asked if I went through a divorce in the XX/XX/XXXX and maybe the bill was my ex-husband 's and I did n't pay it. I said it was none of her business if I was divorced or not and that she must have the wrong person. She said my social security number and said something was sent to my previous address ( from 9 years ago ). I told her that was not my address anymore and I had n't lived there in years. She then said my current address. She said they were going to file a judgement against me. I asked her how much she was claiming I owed and she said {$11000.00} from the XX/XX/XXXX 's but with interest and fees of {$16000.00}, the balance was {$27000.00}. I told her that was impossible and she would have to send me an itemization of the charges. She said I would have to contact XXXX XXXX XXXX to see if they archived the statements for the account. I told her I thought this was a scam and she got very rude. She said if she was a scammer with my social security number, she would be opening credit card accounts in my name and using them to make money. I asked again for something from XXXX XXXX XXXX, stating that I owe them money. I said the debt she was talking about was so long ago that it was n't on my credit report and I did n't think it could be collected, even if i owed it. She said she would send me a letter via XXXX to my home. I received the XXXX letter today with a XXXX XXXX XXXX Account number stating that ARA has agreed to a settlement of {$5600.00} to be paid by XX/XX/XXXX and when paid they would not report derogatory information to the credit bureaus. If not paid, the full balance of {$27000.00} will become due. I read online that XXXX XXXX XXXX became inactive as of XX/XX/XXXX and merged and is operated as part of XXXX. I also read lots of complaints about ARA, Inc. making these harassing calls, with no right to do so. It is my understanding that the statute of limitations in Texas is 4 years. Even if this debt is legitimately due, the statute of limitations for debt 25 years ago has expired and it is my understanding they ca n't call me to try and collect it. What do I say to this company when they call again and what my recourse to keep them from harassing me? Is this even legal? It seems like a scam. Should I notify credit bureaus that this company has my social security and other confidential information? Thank you.
10/08/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	UT 84663	Web
I received a call from Asset Recovery Associatesfrom ( XXXX ) XXXX. I was asked to verify my name and Last name. I asked what this was about and was advised that if I was XXXX XXXX I was being called to settle an account with XXXX Bank opened XX/XX/XXXX and Defaulted XX/XX/XXXX. I asked if they had any information on the original Creditor as I do not recognize that name on my credit report. I was advised that the account was ready for Judgement submission on my credit report in the amount of {$2400.00} and I could stop this action from their lawyers if I settle as they would remove {$800.00} in interest. I asked for something in writing from Original Creditor as the female representative advised that this account had gone through XXXX creditors and was legally purchased through their Federal guidelines following the FDCPA. I asked for their FDCPA license, she gave me the following : FDCPA 017.021.107. She stated that they were licensed to collect in the State of XXXX, I quickly expressed that I needed to see more information and was asking for formal dispute process. She stated that they had received an affidavit from the original creditor stating this was a valid debt. I explained that I appreciated that they had that information, but I was concerned this could be a scam due to the fact that I had never opened an account XX/XX/XXXX ( i was XXXX years old at the time ) and I was not sure if they had accurate information. She stated that she had my credit report in from of her and verified my XXXX address at that age. I explained that i would not confirm any additional information and I wished to speak to a supervisor. I needed to know the original creditor as I would need to contact them to verify how this would be communicated to me as a judgement and I never heard of this account before as I had been in a position to monitor my report on a regular basis. I was advised that the Manager was unavailable and I would need to settle or I would be taken to court and judgement filed against me. I expressed frustration as I was not given more information on how to contact the creditor or their office. She stated that she would forward the affidavit to me, and proceeded to attempt to get me to settle for a reduced amount. I asked if she knew when this had defaulted and if she was aware of the statute of limitations for XXXX or XXXX? She became irritated with my inquiry and stated that the account was defaulted inXX/XX/XXXX. She stated that If i was unable to cooperate towards settlement she had no choice to give this information to their lawyers for judgement. I asked for her name and her Managers name and I was hung up on.
03/25/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	MI 487XX	Web
Received this letter XXXX/XXXX/XXXX, ARA Inc. XXXX XXXX XXXX XXXX, XXXX XXXX.Oringinal Creditor : XXXX XXXX XXXX Bank Account # XXXX XXXX Current Balance : {$24000.00} This letter is to inform you that ARA Inc. has recently obtained and now is the legal owner of your XXXX XXXX XXXX XXXX Account . All obligations regarding this debt and any applicable interest and or fees have been fully transferred to this office. As of today, you owe {$24000.00}, which is now due in full. Please remit a check for the amount of {$24000.00} payable to ARA Inc.along with the the payment slip above in the self addressed envelope provided. Within 30 days of full payment, you will receive a paid in full letter for your permanent records. If you are unable to pay the entire balance in full, please call XXXX XXXX at ext # XXXX XXXX XXXX -XXXX central to discuss acceptable payment arrangements and answer any questions you may have. Please retain the balance of this letter for you records. Sincerely, XXXX XXXX XXXX XXXX XXXX so I am his XXXX, XXXX XXXX, and I called to find out what this was about. We have n't seen this on his credit record or anything and was shocked. I talked to a lady and she gave me some info and then I called back after letting XXXX know what she said. I called back and talked to a XXXX XXXX ext. XXXX and told her XXXX XXXX ca n't talk on the phone. She said this was from a visa credit card that was open in XXXX and had payments paid on it till XXXX. Balance then was {$7900.00} and now with interest and fees {$24000.00}, She asked if he could pay it in full and I said we only have XXXX and live month to month with nothing extra. She said she had to do her due dillengence and wanted to know if she could set up a payment of {$50.00}. I said no and she said how about {$2500.00}. I told her we did n't have anything extra and she said if I did n't set up a payment then they would take it to court and put a lien on his bank account. I said all we get is XXXX and she said they do n't care where the money came from they would just take the money in the account. I asked her where the card was used and she said she do n't have that info but she gave a couple address 's and XXXX was a XXXX XXXX XXXX knew and XXXX address was XXXX XXXX, XXXX , FL . We looked up that address and it was a trailer that XXXX never remembered. She gave the last XXXX digits of his S.S, # and said he was a police XXXX. I told her XXXX said he never had a credit card from XXXX XXXX and she said someone made payments on it for 9 years so it was his debt. I told her I would pass this info onto XXXX.
06/16/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	MI 48162	Web	Older American
Back in the late XXXX my daughter and myself, agreed to help her then boyfriend out in need of a vehicle so I co-signed a loan for a motorcycle. Her then boyfriend at the time which we did not know of had a criminal record for larceny, stealing, scamming, etc. He was formally charged and taken to court by us and others he had scammed. Regardless I was left with the loan. Originally the loan was through XXXX XXXX Bank. That bank is no longer around and my loan was fully paid, however at the time of my loan being finished, they also had been bought out and no paperwork was ever given to me. Also, please keep in mind records are not kept they way they are today electronically. XXXX XXXX Bank is now defunct and several times changed name, etc. My complaint is with Assest Recovery Services, based out of Illinois, with a XXXX XXXX XXXX This is some fly by night company who purchase lists, bad dept loans, list of names etc, defunct loans for pennies on the dollar and use strong arm tactics to scare people into to thinking they owe money when they do not! They also go by other entities such as XXXX where some angry female calls to let you know you need to lawyer up and they will come after you since they state you meaning me has a criminal record! I will provide the list of names and promises this so called company promised. Once payment was made the final paper work and title would be released. That never happend. They had pertinent info from the original loan with XXXX XXXX but only enough to look legitmate. Here is the following information on Asset Recovery Associates or now XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; Phone # XXXX, FAX XXXX ; XXXX XXXX Account Number they are using ; XXXX ; Balance {$3500.00} and the newly Assest Recovery Associates ARA # XXXX ; settlement {$800.00} ; Collection Manager XXXX XXXX. Who everytime I call back to get a hold of him he is always conveniently busy, in a meeting, in the bathroom, on vacation, basically never there! His so called manager is XXXX XXXX. They have a website that does nothing. I have also filed a police report with my local office in XXXX, MI. The officer took it upon himself to also call Asset Recovery Associates identify himself and they conveniently hung up on him! They now are calling back stating they are XXXX and some very angry female proceeds to make threats and once again some fake case number!
07/03/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated committed crime not paying	TX 78222	Web
XX/XX/2015I have found out through numerous calls an research that " ARA '' Asset Recovery Associates is a ripe-off company that usesscare tactics to recovery debt. I was contacted XXXX concerning debt that my sonmay or may not have. Was told that he was a party to an action suit because his name was given on paperwork concerning this so called debt by my son. He was told that a sheriff or constable would be coming to our home to serve him papers. I was put on the phone an told that there had been several attempts to contact me concerning this matter with her espousing the same type nonsense. We found out that none of this was true. There was no sheriff coming to our home to serve us papers. However, we are XXXX older individuals XXXX. I wish to sue this company with your help for fraudulent misrepresentation of facts. I pray that you will assist me in this matter, so that I do not have to attain an attorney and take them to court. However if no resolution takes place " District Court '' and possible " Federal Court '' will be my next step. Name was never given to them by my son and furthermore even if it had been no company has the right to harass anyone that is connected with the person they are trying to contact concerning that person 's debt and responsibility. I will not let this matter rest until I receive justice. This company will be stopped from such unwarranted tactics against any person that has nothing to do with another person 's debt. ARA is a scam who purchases information and debt from companies penny on the dollar and than attempts to collect the full amount of the money with high interest. In most cases these debt are already past there statute of limitations.There are too many agencies like these that exist only to destroy and individuals credit, finances, cause them to lose their jobs, and make their lives miserable. If Asset Recovery Associates do not want this suit to go forth I am requesting deletion of son 's name from their records, and all records associated with any outstanding debt with their agency or any other agencies connected to them. I am also requesting {$500000.00} in damages due to their actions of fraud, misrepresentation of creditable facts, XXXX against my fiancee and myself. XXXX I have all recorded phone messages concerning this matter. I gratefully await your response to this letter. Thank you,
12/09/2015	Yes	Debt collection I do not know	False statements or representation Indicated committed crime not paying	NJ 085XX	Web
Complaint against ARA associates Phone numbers : XXXX ( XXXX ) XXXX Contact XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Above is the company and associated phone numbersthat harassed me about a false debt toda XXXX/XXXX/XXXX. This morning I received a call from an unknown number claiming to be a locator for legal action being pursued against me and left the last XXXX digits of my social security number on the voicemail. This same person also called my mother and my sister with the same message ( but pertaining to me and them being a witness ). I called the number back and a man named XXXX XXXX answered saying I took out a payday loan in " either XX/XX/XXXX or XX/XX/XXXX '' and the bank I borrowed from was pursuing legal action against me for check fraud. I never took out a payday loan and nor did I write checks for a lender. They claimed it was from my XXXX XXXX XXXX account that I had closed in XX/XX/XXXX. I contacted that bank immediately to verify this and they said there had been no attempt to cash checks nor was there any attempt to collect on my account. I called the number back to tell them this and he told me that they were going to pursue action against me if I did n't pay today. I was pretty sure this was a scam at this point, but still a little shaken up. I had confirmed through a number of online resources and through my own logic ( my credit is good and it 's been checked a number of times over the past several years- an outstanding loan would have been brought to my attention way before ) that this was a scam and I decided to just ignore it and report the issue later. At around XXXX today I received another call from an unknown number with the name " XXXX XXXX '' stating to be a officer of my county court and that my information was being processed and I would be served with papers at my current employer and home tomorrow. I could prevent this by voluntarily settling with the company. I immediately contacted my county court to see if this was valid. I had no hits in the system nor was anything " processing '' against me. Clearly this is a scam, and when I looked up the second number given to me there were many more hits of fraudulent debt collecting- nearly identical to what I had dealt with today. There really needs to be serious action taken against this harassment especially since this scam is intimidating and cruel.
12/11/2018	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	MI 48221	Web
I want this company to Cease any communication and NEVER contact me again. I'm XXXX with other health issues so i don't need any of their UnNecssary Stress or Headaches i've endured on my health including having an XXXX XXXX. It should be against the Law for any debt collection company or any company to call use scare tactics, threats, and abuse a XXXX person over the phone for an account from 20 years ago then when you tell them you filed Bankruptcy they become vulgar and nake threats the way these people talk the way they did to me and i had every right to defend myself and i was provoked in saying the things i did. On XXXX i received a call from XXXX XXXX. The first person i spoke to said he was calling about a credit card debt for XXXX XXXX who isn't in business anymore. I told him i filed Bankruptcy a year ago he then told me i was Lying and i don't pay my bills and i didn't include them in my Bankruptcy. I told him to give me their information yet he refused. I then asked for a supervisor who was even worse and he wouldn't give ne his name or their address and he in fact told me i was Lying about the Bankruptcy and i told him i never even heard of their company then he became very Vulgar telling me i'm Lying about getting their letters and i know i got them so i need to tell the Truth. Then this so called supervisor told me i don't pay my bills and i informed him the debt he is calling about is way past the Statue Of Limitations from 20 years ago and i need to pay my bills. He wouldn't give me his name or their address then he continued to make vulgar comments telling me i'm Lying and i know i got their notices he even claimed i never included them in my Bankruptcy and i informed him their company have never been on my credit reports he then tells me if you paid your bills you wouldn't have filed Bankruptcy. The third XXXX i spoke to was very rude as well and he refused to give me his name or their address. He told me when i get home call and give me my Bankruptcy file number and told me if i filed i would know the case number and i told him if they were a Legitimate debt collection agency they would know they can't just talk to people any kind of way or make threats to you or about your credit report and any company like XXXX XXXX need to be shut down. I also would like to know how i can take Legal Action against them.
05/06/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	WA 98383	Web
I received a call today stating that I had paperwork filed against me about a case and I needed to return the call right away. I returned the call and was told it was for a {$400.00} loan that I got in 2011. I told the lady that I do not remember receiving a loan 5 years ago and she immediately became defensive saying that just because I do n't remember it does n't mean that I do n't have to pay for it. I then asked her why I had n't received anything in the past 5 years asking for me to repay this and she said that they had called, emailed and mailed me about this loan and I said that I have n't received anything and she told me that I most certainly had. I then asked her if I returned the 1 phone call to them today, why would n't I have acknowledged this supposed loan and responded to calls and whatnot before now and she just kept on going about how I had to pay this, they were suing me and there would be {$3100.00} in lawyer fees, {$2500.00} in their fees plus the {$700.00} and some odd dollars that I originally owed. I asked her to send me a validation of debt letter and she said it was way too late for that and her company does not send those types of letters. She then became rude and talking over me, so I called her a XXXX next Tuesday and hung up. I then called back to try and talk to someone else but got the same lady again. We tried to talk again and again she became rude, so she got some pretty colorful words from me and hung up. I called back again and asked the woman who answered the phone what the name of her company was and the address, she stuttered around for a minute and finally told me that the company name was ARA. I said ok, what is your address? She would n't answer me and finally told me that she would have to transfer me to the correct department. She transferred me, straight back to the same original lady, I asked for their address, she gave me XXXX XXXX XXXX XXXX, VA XXXX. I said thank you, I know you know who this is and I 'm asking you to send me a letter of validation about this supposed debt that I owe and she refused to send it again, saying it was way too late for that and she had already explained that to me. I was going to send them a letter asking for the validation of debt letter, but I have a sneaking suspicion that this is a fake address that she has given me to contact them.
04/27/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	ME 043XX	Web
On XXXX XXXX , XXXX , XXXX Asset Recovery Associate s Inc. ( ARA ) conta cted me, and informed me I had to pay a {$1200.00} debt for an old XXXX XXXX card. I told them that it had been settled around XXXX - XXXX but they insisted I would have to pay to avoid legal repercussions. Specifically a derogatory mark on my credit history to start. I explained again that the debt, which had gone into default in XXXX , was settled and whatever paperwork I had from it was no longer on file since it was past statute of limitations for keeping it. I asked what legal claim they had to be asking for the money, and why they had n't sent me anything in the mail, to which she replied they were not obligated to do such. If I wanted they would send me paperwork on the settlement if I agreed to pay 10 % of the total debt so they could send me an overnight package containing the information I wanted. This {$120.00} dollars would also stave off any legal action. I received a package the following day which contained a receipt for the {$120.00}, a paper stating I had to pay {$1200.00} by XXXX XXXX or suffer derogatory credit reports, and a self-addressed stamped envelope to mail said payment in with. The first {$120.00} was not removed from my alleged debt, and there was no validation notice, affidavit, or any other legally binding proof that I owed the debt, again. On XXXX XXXX , they contacted me again to make sure I 'd gotten the package, and to verify I was going to send more money to which I replied that I was not sending any more, I wanted my initial payment back, and that I was not obligated to give them any money. She told me I would have my wages garnished, and they 'd take me to court if need be. I hung up. After talking to my local bank manager I got copies of all my credit reports, which the debt in question was not on any of them, and he suggested I call ARA and request they refund my money, and cease any more actions over this fraudulent collection, when I mentioned the lack of a validation notice or paperwork explaining my rights under the Federal Credit Bureau and that they were trying to claim an already paid debt she hung up on me. I attempted again on the XXXX of XXXX , and the associate said she 'd put in a request and promptly hung up on me again.
07/12/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 77095	Web
I received a call on XX/XX/XXXX on my work mobile number from this company Financial Credit Service Inc., DBA Asset Recovery Associates ( ARA ) claiming that they had mailed me correspondence several times regarding this debt and that I had not responded so they were going to file a judgment against me if I did not pay the debt immediately. They had my SS #, and a list of every place I had lived, I explained to them that I had never received anything regarding this and had no idea what debt they were talking about. They told me the company and that I owed this from an account that was closed in XX/XX/XXXX. I again explained I do n't even know what this is and if I even had this debt for this account. They told me again they had mailed me correspondence about it and evidently I had thrown it away as junk mail or decided not to respond. I replied that was not the case, that if they had mailed me multiple letters as they stated, I would have known. I was again threatened with having a judgment filed against me. I am in the process of buying a home and was scared for something to interfere with that. They indicated that they could see about a settlement, and scared me into paying them {$750.00} immediately, with the remainder of {$2400.00} being due by XX/XX/XXXX, otherwise they would file the judgment against me. After hanging up I got to thinking and started doing some research and found several complaints filed against this company for scamming money people did not actually owe. I called my bank immediately and put a stop payment on the funds since I had used my debit card to make the initial payment. The bank issued a fraud case against the payment for use of malicious tactic 's to obtain money from me. The credited me back the money and I cancelled my debit card and got a new one. I have no proof that this debt ever existed, it is not on my credit report and therefore I feel I got taken advantage of. Not to mention its 17 years later and this call just comes out of the blue to me. Even if this debt was valid, which I do n't feel it is, the statute of limitations in Texas is 4 years. The only written correspondence I have ever received from this company was on XX/XX/XXXX listing out the " settlement payments '' via email address I gave them over the phone.
06/08/2015	Yes	Credit card	Customer service / Customer relations	PA 164XX	Web
I was contacted yesterday XX/XX/XXXX on my business phone from a debt collector XXXX ( assest recovery services ) at XXXX I spoke with XXXX in legal dept after XXXX called my business phone and left a message saying that I had a legal claim against me. I called XXXX back and she put me through to XXXX. XXXX advised me that there was a debt owed to XXXX bank in my previous name that I have not held in 15 years. He stated they were perusing a law suit in XXXX XXXX against me for {$4000.00} for a credit card that had a date of first delinquency XXXX and was charged off in XX/XX/XXXX. I have no knowledge of this debt. He stated that he had sent a letter to my home in XXXX offering to settle the amount for {$1800.00}. I advised him this was not my debt and told him it was likely my ex husbands debt. He gave me my ex husbands name and said he had been contacted but had bad credit so there was no point in them going after him and that I had good credit which is why they are coming after me for this debt. He then told me he was not getting into a finger pointing session and told me they were going to take me to court get a judgement and garnish my wages. He told me they were already verifying my employment so that they could do this. I became very upset. I told him I needed to gather information about this and I would call him back. I called back and he was unavailable. I asked him to provide me with a copy of my signature on the original credit application, copies of the statements with my signature and where the purchases were made. I asked for the case number and everything he told me on the phone to be put in writing. He called back and asked me to return his call, which I did. At that time I recorded the conversation and advised him of such he became hostile and said I did not have his permission to record him. He also told me he refused to provide me with any information on the debt, I had 7 years to clear this up and they were moving forward. I advised him if they took out a lawsuit I would counter sue them, he hung up on me. I was harassed at my business, threatened with legal action if I didnt pay the debt right away. They have continued to contact me via mail after I asked them in writing to no longer contact me.
04/06/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL XXXXX	Web
Recieved from ARA Inc., a demand for payment of dept totally {$7100.00} off a Bank called XXXX. I have never heard of XXXX, much less owe anyone 7k. I contacted them, they threatened to take me to court and I " would pay all attorney fees '' they claimed. I demanded the proof I ever owed thisy be sent to me. They refused ( woman claiming she is 'XXXX ', and a Supervisor he claimed, saying he was 'XXXX ' ) XXXX was threatening, obnoxius and refused to speak to me after my request. I then was connected to this XXXX, who claimed they were about to take me to court. I told them go for it, because they knew I would win. He was outlandish and said he had no problem being recorded. I was harrassed repeatedly to PAY MY BILLS. They stated they had the loan information in front of them, but refused to provide such proof or such information, just " send us the money! '' after they refused I decided to investigate the Company as it was clear this likely was a sham, and found multiple complaints online filed against ARA Inc, in which the posters stated they recieved almost identical amount demands, identical claims of the bank they had never heard of, and outragious treatment once they tried to make contact. XXXX off of XXXX sight alone with the identical stories. It greatly disturbs me that in all likely hood elderly are being targeted and unknowingly paying off bills without questioning the sources of such " bills ''. I was told I owed {$2000.00} to begin with, ( never happened ) and then it had built up over the years. I demand copies showing such bills, and such transactions and proof this was myself and not another party using my name. They are refusing to provide it. I contacted them back on learning they were duplicating same amounts or close enough to be the same to XXXX if not XXXX of others across the US who had the same story I did, that they never wracked up such charges even in the past. The company has refused outright to provide it or to provide information. I asked to speak to their lawyer team, I was refused based on what this person claiming to be XXXX said, " It was his job to protect the attorneys. '' I dare this company to file legal actions and allow me into court to prove they are defauding the public.
01/06/2016	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	CA 91730	Web
I was contacted by this company. They said I had XXXX counts of check fraud against me and would be taken to court and I needed to call. I knew it was a scam but called anyway just in case. Long story short, I was told I had a loan for {$500.00} between XXXX and XXXX and when they went to take it from my account they could n't for whatever reason, so they tried to charge my now closed XXXX account, which I closed a couple months ago, and they could n't charge it since it was closed. I said I wanted documentation of this. They did n't tell me what company I got this loan from of course, just said the sub-lender was XXXX XXXX, who I found was a for sure scam after looking them up. They wanted me to pay {$770.00} which included the {$500.00}, {$70.00} insufficient funds fee, and {$200.00} to have my case dismissed. She later added a {$2800.00} tax lien. I said no, I want paperwork. I was abruptly transferred to a man who did n't ask for any information, just said the only documentation you will get is a subpoena. Your check was deemed worthless XXXX/XXXX/XXXX ... and I stopped him there. That 's not the date I was given. He said that 's not my problem I 'm a paralegal and you ca n't see our documentation until discovery.You broke the law and if the rep gave you wrong information that 's not my problem, my only job is to collect, I do n't care about anything else. I kept trying to get a word in but he talked over me. I just kept saying, this is all nice but you are now telling me a different story. Before I could even finish that sentence, he put me on hold for over a minute so I hung up. 100 % scam, I did n't have XXXX back in XXXX anyway. They left voice mails for me on my phone and my friend 's phone, so that really made me angry. The voice mail indicated I was being summoned for XXXX counts of check fraud and it was filed XXXX/XXXX/XXXX and I need to pay. She read off the last XXXX of my social, my name, DOB, and current address. The " paralegal '' said I got an email about whatever debt in XXXX and he read off my email address. ( no such email ) Just did n't appreciate how bold they were. I spoke with a XXXX or XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. The man never gave his name.
07/02/2015	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	GA 302XX	Web
At XXXX XXXX eastern time this morning I received a call from a number I did not know. Upon answering the phone, a lady who identified herself as XXXX XXXX from ARA ( Asset Recovery Associates ) proceeded to tell me that I owed $ XXXX to XXXX and that she had received this claim in her office today. She stated that her office is in the process of filing a judgement against me for the amount they claim I owe. She informed me she was calling on a recorded line. When I told her : 1. I do not owe the money, and 2. Even if I did, it is time-barred. When I started writing down her information, she stated that her company offered me a settlement of $ XXXX and that I did not respond and now I am responsible for the entire $ XXXX. She was very aggressive and argumentative. When I asked if she would call back so I could also record the call, she said no. In the end of the conversation, she refused to give me the company address. I told her not to contact me again. She kept talking over me and said that if I paid my debts on time, they would n't have to call me. I told her that they can not contact me again once I have instructed them not to do so and if they do, it is a $ XXXX fine per call. She just kept talking over me. I told her to file the judgement against me and I will see her in court. At that point, she said I would n't be seeing her. I said I would see someone as what they are doing is illegal! She then hung up on me. A few minutes later ( at XXXX ), I phoned the company and asked for the lady. She came on the line and I told her that I was recording the call. She started shouting that it is illegal for me to record her without her permission ( it is not, I am in GA which is a XXXX party consent state ). I kept asking for their address - she just kept yelling that I did not have her permission to record her. I told her that I can record because I am in a XXXX party consent state. She would not give the company address and hung up on me again. This all stems from an alleged debt incurred more than 15 years ago!!!!!! This debt has been sold numerous times and I go through this frustration every single time.
08/27/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	GA 30324	Web
XXXX XXXX with XXXX and associates called my sister, on her personal cell phone asking for me. He told her that I owed a claim and they were trying to reach me before I was served papers by XXXX XXXX. ( I do not live in XXXX XXXX and have n't since XXXX ) He left a claim number XXXX and phone number XXXX. I called the number and asked what the company was and the individual asked for my phone number and I refused. He then said well I need something to pull you up with. I said I would like to know what type of company I 'm dealing with and why you are calling my family members looking for me ( not once did he state they were a debt collection agency attempting to collect a debt at all ). He said they were a acquisitions firm and they deal with over XXXX different areas that he needed a phone number or something to connect me with the correct area. I gave him the claim number XXXX. He confirmed my first and last name, and told me to give him one moment. About XXXX seconds later a second gentleman that did not give his name picked up the line and asked for my phone number. I refused again. He said in order to help me he needs info from me, and I asked him why did n't his last teammate give him that. I 'm not giving any more info than I have already provided. He immediately became extremely forceful and rude in his tone. He said he was XXXX manager, that XXXX was unavailable so he was taking over. I said so why is XXXX calling me. He said because you owe on an XXXX credit card. I said not sir I do not. XXXX was purchased by XXXX XXXX XXXX around XXXX or so and any debt I owed to XXXX was paid back in XXXX by my mother on my behalf. He said no XXXX XXXX XXXX sold the debt, we are trying to contact you to give you the opportunity to pay before we garnish your wages on XXXX XXXX. I said there is no way you can garnish my wages for any debt that number 1 has been paid, and number XXXX that is from well over XXXX years ago. He said oh we can and because you do n't want to work with us we will go ahead and push the garnishment through early. I work XXXX and can lose my job for wage garnishment. This has to be illegal.
08/17/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	TX 77479	Web
Hello, Today, XX/XX/XXXX, I received a phone call from " ARA, Inc. '' telephone number XXXX. The guy on the phone stated that I owe XXXX XXXX Bank -XXXX card {$6400.00}, which was a total that included balance and interest. The guy also mentioned to settle the account " Right AWAY '' with him via phone for {$2400.00} and that he will waive all the interest and charges fee. I replied by saying " NO, I do n't owe anyone anything, and I do n't recall that information. '' He said that this account was open XX/XX/XXXX. After that, he put me on hold and transferred me to another guy named XXXX XXXX, he wanted to settle the case for {$1400.00} if I provide him with my credit card information otherwise they will take me to court and sue me for total amount {$6400.00} plus attorney fees which will be over {$10000.00} total. The guy I spoke to has ALL my information such as the last XXXX digits of my SS number and my wife 's information. He also has my bank name and how much credit I have with XXXX Credit Card. He was forcing me to give him the information otherwise tomorrow morning, they will charge my credit card for {$6400.00} because they have some legal rights to do this. He told me to " Think about it '' and that this " this {$1400.00} offer is just for TODAY only '' and he will call me later. I received a call later from a different telephone number, XXXX, XXXX, from XXXX XXXX XXXX. I told him to send me a paper statement with this issue and he hung up the phone. I spoke to one of your representatives, Bureau of Consumer Financial Protection, I told her about what had happened, she said this issue seems like a fraud case and this claim is too old due to the statute of limitation in XXXX is XXXX years and now I am living in XXXX and the statute of limitation is XXXX years, if they take you to court, go to court and show the judge the statute of limitation for XXXX states. She also mentioned to file a complaint with you, Bureau of Consumer Financial Protection. Please I request you to look into this matter as soon as possible. Thank you so much.
09/01/2015	Yes	Debt collection Credit card	False statements or representation Impersonated an attorney or official	CT 06460	Web
I was contacted by a company called Asset Recovery Associates last week while I was traveling for work. A voice mail was left for me to call back a " XXXX XXXX '' about an important matter but it was very vague. Upon calling back, I spoke with XXXX XXXX who explained that he was calling about a credit card account I had back in 1993 when I was in college which was now up to $ XXXX. He said that even though it was way past the statute of limitations, it was going to court and I was going to get my wages garnished and this was my last chance to resolve it voluntarily. I said I wanted to speak with his supervisor and I began speaking with XXXX XXXX who said I had a choice of paying a settlement of {$2100.00} or I can pay {$300.00} per month but that would mean paying a total of $ XXXX. I said I was traveling for work and had to call back. 2 Days later while on my way back home at the airport, I get a call from someone from my office telling me that a XXXX XXXX called, saying he was calling on behalf of the XXXX county court and that he was an attorney and that my wages were going to be garnished!!! He told this to some at my office. Furious, I immediately called back was treated in a very mean and unprofessional way by this undereducated thug. I insisted on speaking with his boss, XXXX XXXX got back on the phone and told me that my wages would be garnished. She bullied me into a {$1400.00} settlement. Fearing that more calls would be made to my place of work, I gave authorization for this payment and I now regret it. I have an attorney that is going to be suing them but I want to warn other people to BEWARE of this horrible company that misrepresents, lies and uses fear to steal money from people on debts that are no longer valid. They are located in XXXX XXXX, ILThe number that comes up on caller ID is XXXXI was told by attorney that this company has been sued 19 times for this type of thing. I want my {$1400.00} back and I am going to get it. I NEVER file complaints but once my place of work was contacted, I felt compelled to do so.
01/12/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	HI XXXXX	Web
I rec. a phone call from a assest recovery associates ARA 2days ago. I was at work and trying to hear what ara was saying. they stated i owe about XXXX dollars for a dept. to XXXX XX/XX/XXXX thru XX/XX/XXXX. I could not recalling any money owed to this company 20 years ago. I was threatended with being served by the sheriff, court proceedings, garnishments, leins, fees etc. ARA also had my SS and personal information. I told them i did not recall this dept and if i had this dept i would of taken care of it 18 years ago. It was extremely frustrating converstation i was put on hold transfered to different people with different titles. At first i was terrified and told them i didnt have that kind of money. they said they could settle for less around XXXX. Which i still couldnt pay i said i need to talk to my bank. well the figured changed to about XXXX now. They said if i could pay anything now I had XXXX dollars on my debit card i gave them my card number and they took the funds. they said i have to XX/XX/XXXX or court proceedings will start. I told them again i never rec. any letter from them to date i gave to date. the stated they sent to my p.o. box of course they had all my information. Till this day i have not got a legal letter from them. I should not of payed anything. Something is not right. So I came home from work got on the computer and researched everything. I contacted the company XXXX they contacted me back and said it would not be possible to owe them anything from XX/XX/XXXX and is not affiliated with any company like ARA. STatue of limitations is 6-7 years in my state for dept owed. I have contacted my bank and none of this is every showed up on my credit report.. ARA is terrifing company. there practices are crazy and have to be illegal. I live paycheck to paycheck i cant afford a lawyer either.. What to do. Help me stop this company from doing this to other folks. They way ARA uses terms statements can be very overwhelming especial if you are not a legal advisor. Just a average person trying to get by.
10/20/2015	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened arrest/jail if do not pay	FL 33193	Web
A man left a voice recording on my sisters phone for me to contact them over an urgent matter. It was strange to me that anyone would even contact her as I do n't give her information out for any reason. After work I called them and a woman claiming to work for ARA ( Asset Recovery Associates ), tells me this was over a debt of {$490.00} for a payday loan she says I took out in XXXX? ( I do n't recall the exact year ). When I tell her I had no idea what she was talking about she said this matter has to be resolved within the next few hours or she would have to submit paperwork charging me with fraud. That terrified me as I have never been in trouble with the law so I again tell her I did n't know what she was talking about and she begins reciting my social to me, then my birthdate, then an address I have n't lived at in a little under 18 years. She tells me that I knowingly walked in to a business and gave fraudulent information in order to get this loan. I again told her I do n't know what she 's talking about then she says I have a voided check from a XXXX XXXX account, that 's where she lost me because I 've never had an account at XXXX. I explained to her that a few years ago I had my checkbook stolen by a family member but that had been cleared up but she did n't care. I was threatened with charges being filed and being arrested. I was so scared that I just decided to make arrangements with this woman. Right after, I called my ex husband and told him what happened and immediately he told me to cancel my bank cards that this was a scam. Apparently the same thing had just happened to his mother in the same week. So, I did just that and then did my own research and found the name of a lawyer that has dealt with them before. They gave me the same advice. They told me to cancel my cards, report them to the XXXX and on this website, and some other instructions. Apparently this company is notorious for this type of thing. I do n't want anything but to be left alone. These type of people make me sick.
08/20/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 754XX	Web	Older American, Servicemember
I received a letter from Asset Recovery Associates ( ARA ), Inc., XXXX. XXXX XXXX, XXXX XXXX, Illinois XXXX, demanding payment of {$12000.00} for a debt I supposedly owe to XXXX XXXX XXXX, Account number XXXX. The letter did not provide any more information about the alleged debt. I have never done business with XXXX XXXX XXXX and I do not know anything about this debt. I absolutely, positively do not owe this debt. The letter is signed by XXXX XXXX and is dated XXXX XXXX XXXX and shows the ARA file number to be XXXX. The letter further states that if I do not respond to the letter within 30 days, ARA will assume the debt is valid. I 've done research on ARA online and found that they have a long history of credit collection abuse. ARA 's letter is obviously a scam to try to trick an unsuspecting recipient into paying debt they do not owe. I will follow up this complaint with a letter to XXXX XXXX of ARA denying I owe the debt. The letter will be sent certified, return receipt requested via the US Postal Service on Monday, XXXX XXXX XXXX. Here is the text of the letter : XXXX XXXX XXXX XXXX XXXX Asset Recovery Associates, Inc. ARA, Inc. XXXX XXXX XXXXXXXX, XXXX XXXX, Illinois XXXX RE : ARA Account File Number XXXX Sent Certified Mail, Return Receipt Requested Attached is a copy of the letter you sent me on XXXX XXXX XXXX, wherein you allege I owe XXXX XXXX XXXX and/or ARA {$12000.00}. I DO NOT, I REPEAT, I DO NOT OWE THIS DEBT! I have never done business with XXXX XXXX XXXX. Stop attempting to collect this debt from me. Note that I have filed a complaint against you with the Consumer Financial Protection Bureau. A copy of the text of that complaint is attached. Any further attempt to collect this debt will be a violation of the Texas Fair Debt Collection Statutes. If you, or any of your assigns, make any further attempt to contact me regarding this debt, I will pursue all legal an administrative remedies I may have against ARA, Inc., Asset Recovery Associates and you personally.
06/29/2016	No	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	TX 760XX	Web
XXXX/XXXX/XXXX I received a letter from ARA, Inc stating I owed their debt collection agency more than {$12000.00} for an old debt from XXXX XXXX. I have a few accounts with XXXX XXXX that are all current, so I called XXXX XXXX to investigate as this is the first notice from any debt collector regarding this. XXXX XXXX advised me that the account listed on the notice was not a valid account with them. I had XXXX XXXX also check my social to see if there were any old accounts for me, which there are/were none. I spoke to several people within XXXX XXXX 's idenitity theft and fraud units. I called ARA, Inc at XXXX the next day and inititally spoke to XXXX XXXX. I explained that I believed they had some bad info on me as XXXX XXXX had no record of this debt. Also, that my credit was not very good back in XXXX and that none of the credit cards that I had at that time, gave me more than {$1500.00} credit. XXXX XXXX told me that the last digit on my XXXX XXXX account number on the notice from them was incorrect. XXXX XXXX placed me on a brief hold to 'verify this info ', and another woman XXXX XXXX picked up. I explained all of this to XXXX XXXX like I did to XXXX and XXXX XXXX told me that the original creditor was really XXXX Bank and that the credit card was mailed in XXXX to an old residence that I did not live at in XXXX. She said that the inflated debt was due to late fees, interest, and penalties, and she stated my SS # to me and that the debt was valid and then started yelling at me. She yelled at me that they would sue me in XXXX XXXX which I lived and then hung up on me. I spoke to the Fraud Unit at XXXX XXXX who put me in contact with XXXX to show that some Fraud activity on my credit may appear. I made a report with XXXX and I filed a complaint with the CFPB, my next step will be to contact my XXXX and the XXXX. I am sending ARA, Inc the sample letter on this website inquiring for more information from them regarding this debt. I mailed this letter today XXXX/XXXX/XXXX.
09/04/2019	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	CA XXXXX	Web
On XX/XX/XXXX I received an initial dunning letter from Asset Recovery Associates for a XXXX credit card in the amount of {$21000.00}. This account does not appear on my credit reports going back many years as I do not use credit cards. On XX/XX/XXXX I sent ARA a Debt Validation/Cease Communications letter via certified mail with return receipt. They received the letter on XX/XX/XXXX. On XX/XX/XXXX I received a second dunning letter with interest added to the balance. I researched the company and learned they were a debt buyer who acquires long out of statute debt which they then try to collect. On XX/XX/XXXX I sent a second Debt Validation/Cease Communications letter via certified mail with return receipt pursuant to the California Fair Debt Buying Practices Act. I received the return receipt one week later. Since then the company has never sent me a copy of a judgement as indicated in their letters, nor the documentation I requested that is required by law including a copy of the contract, date of default, breakdown of principal and interest, chain of assignment, etc. Additionally, their letters lack the required disclosure : The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it, and we will not report it to any credit reporting agency. Instead the company has been harassing me for more than a year with a bombardment of phone calls to my land line and cell phone after I twice had asked them to stop. Between XX/XX/XXXX and XX/XX/XXXX the company has called me more than 200 times, as many as 6 times per day and past XXXX. Each time they call they hang up without leaving a message. Also, they call my landlord and hang up on her without leaving a message. The company uses caller ID spoofing to conceal their actual phone number as well as robocalls with misleading messages purporting to be from the IRS, XXXX, XXXX, etc implying my account has been charged or compromised.
08/26/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 10310	Web
I received a phone call from someone at ARA Inc. who was very gruff, he used my first name and maiden last name which i have not gone by since XXXX. I asked what it was in reference, and first he said they were not a collection agence and in the next breath he said that I had an open credit account and a balance due of {$2700.00} plus fees plus interest with some bank which i never heard of, and said the account was open between XXXX, which is impossible. When I got married in XXXX I did not have any outstanding debt. He then read my social security number. I did not confirm or deny my name or my SSN and I hung up on him. He called me right back and I said I dont know who you are or what you want and I have neither confirmed nor denied my name or SSN, he said " I know it 's your SSN '' He went on to say that he knew it was my debt because it was on all XXXX of my ( XXXX, XXXX and XXXX ) credit reports. I repeated that I had not confirmed either my name or SSN and then he began taunting me saying " I know it 's you, I know it 's your SSN '' and I hung up again. Then I got the number from my caller ID and called back to find out the name of the company. ARA Inc . I XXXX them and did find their website XXXX in XXXX, IL, every other search result was of people complaining that they were scammers. What threw up the red flag was the fact that he used my correct first name, but not my legal last name - again, my legal, married last name since XXXX. I 'm now divorced since XXXX, and use my maiden name on social media only, but not on any bank accounts, credit cards, utilities, the deed to my home XXXX, etc. I then went and checked all XXXX credit reports and it was not on any of them. I am now afraid of what they might do with my SSN. How do I make them cease and desist, and how do i protect myself? My XXXX score is in the very high XXXX. Has anyone else had a problem with this company?
07/10/2015	Yes	Debt collection Auto	Taking/threatening an illegal action Threatened to sue on too old debt	WA 988XX	Web	Older American
The debt in question was from several years previous. XXXX There was no legal action at that time and no judgment etc. filed. Recently ARA Inc. contacted me by phone demanding that I pay that very old debt. The original amount of {$20000.00}. They advised me that they had contacted my bank and other creditors and determined I had the ability to pay. I told the representative that I did not like or were legally able to do so. I was told that it was determined that I was financially able to pay them. They were filing a petition to freeze or attach my assets. I advised them that the debt was very old and questioned about their ability to ignore the statute of limitations or other legal procedures provided by law. I also advised them that my income was fully XXXX compensation. I was ignored and threatened with further legal process and garnishment of my XXXX income. Today, XXXX/XXXX/2015, I received another call from ARA Inc. Again threatening me with legal garnishment proceedings. I asked for a copy of the original debt and again advised them that my income was from state and federal pensions. I asked that they provide the legal remedy they were claiming allowed them to garnish and collect my financial funds. They again advised me of legal action would be take. I told them that they were unable to secure my income. I was told that " they would get their money, one way or another. '' I was concerned of illegal and immoral actions to attach my income. As they have all my personal security information I was concerned of Identity Theft or other acts of harassment and possibly violence. Later this day I received, by mail, a demand for payment in full. If I disputed the debt, " this office will obtain a copy of a judgment and mail you a copy of such verification. " This blatant and obvious illegal process appears to be their standard collection practices. There will be more threats.
08/26/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	GA 306XX	Web
XXXX XXXXa.k.aXXXX ( XXXX ) a.k.a. Federal Credit Corp. a.k.a. XXXX XXXX XXXX a.k.a. XXXX XXXX a.k.a. XXXX XXXXcomplaint with Consumer Financial Protection Bureau ( CFPB ) XXXX/XXXX/XXXX - Original debt to XXXX discharged in bankruptcy ( please note that all account numbers given to me are different from the original account number from XXXX ) XXXX/XXXX/XXXX - XXXX ( XXXX ) sent collection letter for {$9400.00} ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX, phone : XXXX, fax : XXXXXXXXXXXX/XXXX/XXXX - XXXX permanently closed account per XXXX XXXX - Federal Credit Corp sent collection letter for {$10000.00} ; XXXX XXXX XXXX, XXXX, TX XXXX. XXXX XXXX permanently closed accountXXXX/XXXX/XXXX - I filed online complaint against them. XXXX/XXXX/XXXX - XXXX XXXX XXXX XXXX called my cell phone ( never been listed with original debt ) looking for my spouse, claimed to be representing XXXX/XXXX and threatened legal action if $ 14,000+ debt was not paid over phone, insisted that debt was made in XXXX XXXX and payments were made until XXXX, refused to send any documentation supporting claim, XXXXXXXXXXXX/XXXX/XXXX - Contacted bankruptcy attorney and was told it was a scam, not legal, and I was covered under bankruptcy laws. XXXX/XXXX/XXXX - XXXX XXXX XXXX said the debt for {$4500.00} was charged off in XXXX XXXX and then sold to XXXX XXXX in XXXX XXXX. Phone : XXXX, fraud line : XXXX, customer service : XXXX - XXXX XXXX has no records of debt. Phone : XXXX, XXXX - XXXX XXXX XXXX called my cell phone, looking for my spouse, and wanted to collect debt for XXXX/XXXX claiming same as XXXX ( same scam? ), agreed to accept proof of bankruptcy either via fax or email ; upon receipt I need to call them to verify that file is permanently closed, phone : XXXX, XXXX, fax : XXXX, email : XXXXXXXXXXXX - Filing complaint against all involved to end this illegal harassment over a non-existent debt.
06/06/2017	No	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 754XX	Web
Date of telephone conversation : Friday XXXX XXXX, 2017 Name of Company : Asset Recovery Associates, Inc. XXXX XXXX XXXX XXXX # XXXX, XXXX, IL XXXX ( XXXX ) XXXX Let me first state that I had just recently had XXXX and was not totally coherent when the call came in. I had a very terrible experience. I received a VM message and called them back only to be threatened that if I did not pay ( mind you this goes back 24 years ) that they would notify all my creditors that I am a high risk and that all of my credit cards would be cancelled. I was given two options ( 1 ) accept settlement offer now ( 2 ) if I do not accept settlement offer now, that if I called back, it would not be honored. I advised the person that I felt this was a threat and wanted to check with my attorney. All I was asking to do was to have the opportunity to check with my attorney to see if this call was legitimate and not a scam. The representative kept me on the telephone for one hour 26 minutes making every attempt to wear me down. She finally wore me down and was able to put the majority of the money she was trying to collect from me on a bank transfer and the difference on a XXXX. She kept telling me that a Judge had issued a judgement and that it was going to Federal Court. After serious thought and consideration, I realized that there was no way that a Judge had issued a judgement and was filing in a Federal Court. I then requested a copy of the judgement etc. and she refused to send to me stating that the offer would be off the table insofar as a settlement offer. The representative was very rude, threatening and condescending in her conversation with me. They started out with a 50 % discount if settled now, followed by an additional 3 % for senior citizen discount. They prey on senior citizens in hopes that you will fall for their line of XXXX. I did unfortunately and feel really stupid.
05/08/2017	Yes	Debt collection Credit card debt	False statements or representation Indicated you were committing crime by not paying debt	NC 27455	Web
On XXXX / XXXX / XXXX I received several phone calls from a number I did not recognize XXXX XXXX XXXX XXXX . I called and gave the person that answered the phone my name ; company identified as ARA. They transferred me to someone that called me by my maiden last name and repeated to me my full social security number. They asked if I had a MasterCard wit h an outstanding balance of $ XXXX . I told them I did not know what they were talking about and from when. I was transferred again to a XXXX XXXX who informed me that she was collecting a debt from a MC from XXXX and that if I did not pay they were filing a lien on me i n the county that I lived in and liens against all of my credit cards ( Naming my credit cards and the li mits on each ). I explained that I paid off this debt and I had the proof at home, that I was currently at work. She said she could only hold the account for 24 hours. I said this was the first I have heard about this and how can she lien me when I have heard nothing about this. She said that they would only give me 24 hours before they started garnishing my wages. I told her that I would get my attorney on th e phone and they could speak to her and she said ok. When I attempted to give her the name and number of my attorney she said she could not speak to her and my attorney needed to call XXXX XXXX . I had my attorney call the company and they said they were unable to speak to her and requested her bar number. They said I could call back and give her permission to speak to them or fax them a verification. My attorney advised me not to call these people back and after research we have found that they are scammers. They had all of my personal information including my complete social security number and they fraudulently demanded payment on a debt that was paid.
02/23/2017	Yes	Debt collection I do not know	False statements or representation Indicated committed crime not paying	MO 63010	Web
I recieved a call today regarding my ex husbands uncles debt. I have been divorced 5 years. I recieved a call from an unknown number stating they were with the XXXX courts and that I was being supeoned to testify. They needed my attorneys name to update the courts. When I asked what this was regarding they directed me to contact the plaintiff at XXXX. I recieved this call at work and had to leave my responsibilities to go to a conference and call the " plantiff ''. The number went to a company called a.r.a. asset recovery associates. The woman I spoke with said her name was XXXX XXXX. She said I was a co-dependent in a case against my ex husbands uncle. She provided me with case no. XXXX XXXX. She stated I was a co-defendent in a case against him regarding XXXX charges of check fraud which would be filed today. When I asked more questions she hung up on me. I called XXXX XXXX County and city courts. Neither had the case no. Asset recovery associates provided me with. I called asset recovery associates back at XXXX and the woman who answered the phone did not provide her name but stated she had already spoken with me today. I said I was hung up on earlier. She said that was because I kept calling. I asked her to send me something in writing regarding case no XXXX XXXX. She said you 'll get your supenoa. At that point I assumed she was using deceptive debt collection practices and asked her to cease and desist. She said only my attorney can request a cease and desist She then hung up on me again. These claims she made that I was a co-defendant in a case that had absolutely nothing to do with me caused me XXXX. I may recieved a supeno and if that 's the case then we 'll deal with that. However I feel that they had no right to threaten me on a fake cae
06/22/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	NC 28314	Web	Servicemember
Received a letter, dated XXXX XXXX, 2016 from ARA , Inc. ( collection agency ), XXXX. XXXX XXXX, XXXX XXXX, IL XXXX ( no XXXX XXXX addressed provided, indicating they had obtained and now is the legal owner of my XXXX XXXX account, Acct # XXXX amounting to {$1400.00}, which is now due in full. If I do not submit the indicated monies within 30 days, their office will obtain a copy of the judgement and mail a copy of this verification. They stated that the debt and any applicable interest and/or fees have been fully transferred to their office ( transferred from where? ). I have no indication of why they would be threatening to sue because there is no indication in my credit file of this debt. The only gas card I had with XXXX was 15-20 years ago or longer and I believe it was paid off ( if not, definitely not what they are indicating ). After receiving this threat, I researched this company and found out that it is indicated to be a scam that is run by scammers. It has a history of making threats, harassment, intimidation, and bullying consumers. I desire to have no phone contact with this company, only written if indicated because I do not need the frustration and anxiety, having to take care of my military XXXX husband and health issues of my own. The FTC, FBI, and the Justice Department needs to investigate this company to stop them from pursuing apparently old out of SOL debts. It apparently buys debts for pennies on the dollar and illegally makes a large profit. I would appreciate any help that you may provide in solving this issue, as it have been a hardship and much aggravation in my already stressful life. I do not owe this money and I am also filing complaints with the Attorney General of North Carolina and Attorney General of Illinois.
10/15/2018	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	TX 766XX	Web
I received a voicemail at XXXX on XX/XX/2018. The phone call was in reference to my husband debt. The voicemail never mentioned me, but the representative stated every address related to him and his parents address and birthdate. They threatened to serve him legal papers at his place of employment and that further actions are being taken. I took down the number they left on my voicemail and returned a call to let them know about the matter of someone leaving a voicemail with people personal information and the representative was very matter of fact. I then asked her why was i receiving calls in relation to my husband 's accounts and she then stated " because you're his wife. '' I then informed her that no one contacted me to get permission for him to even use me as an reference. The representative then stated they didn't have to because i was his wife. I'm assuming this debt was before we got married because he and i pay our bills together now. I then informed her i didn't appreciate the voicemail that was left with people personal information included. I asked the representative was this phone call being recorded and she stated yes. I wanted it to be recorded, but she never once informed me. I then told her i no longer wanted to be contacted and she stated that i had to be contacted and i couldn't be placed on the do not call list. I feel as though my privacy as well as my husband 's and his parents privacy has been violated in every way. I even asked the representative about the privacy law and that's when she started yelling at me stating that i was just defending my husband. I then ended the call because i didn't have to be talked to like i was an animal. I have saved the voicemail if needing to be reviewed.
01/31/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 34109	Web
I was first contacted on XX/XX/XXXX by phone from ARA, XXXX XXXX XXXX, XXXX XXXX, Collection Manager. XXXX. He stated that I owed {$26000.00} currently. It had started as a credit card debt but could not tell me what card or bank the debt had originated with. He said that the last payment on record from me was XXXX and the debt at that time was {$9500.00}. XXXX said that they tried to mail me letters at an old address that was my father 's old business. At the time of this call I had not received anything at my home of 11 years. XXXX was able to list my Social Security number, address, phone number and current credit cards and said that they are now pursuing me because I now have good credit and they can go after me now that I have a house and credit cards. They offered me a settlement of {$4200.00}, broken down into 3 payments with a down payment of {$420.00}. When I said I don't have that kind of money and my kids are on free and reduced lunch at school, government health care and my wife doesn't work he placed me on hold and went to his " clients and manager '' and offered me option # 2- {$3500.00} in 2 payments or option # 3- {$2900.00} one lump sum. {$290.00} down on XX/XX/XXXX and {$2600.00} by XX/XX/XXXX. He said if I refused to pay that I was in big trouble and they would have to take legal action. I was scared they would hurt my credit or my wife 's if I did not agree to pay them something that I knew I could not afford. He told me to put it on my Debit card so I agreed knowing I did not have the money. I cancelled my card that night. He called my work on XX/XX/XXXX and my Father on XX/XX/XXXX in addition to repeated calls to my cell phone. All messages I kept and have recordings of the threats.
03/31/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	NV 89436	Web
I received a phone call today from XXXX. The man on the phone said that they were preparing a suit against me out of Illinois for a credit card that I supposedly refused to pay. I immediately told him I did n't have any cards that were not current. The man on the phone said that this was a credit card that was opened in XXXX and then said the company reported to them that it was open until XXXX with no issues. I told him I did not have that card and I did n't have a card in XXXX that was open until XXXX and I asked him to reiterate that he was planning to file a suit to collect. He said they were preparing the suit and I again told him I did not have that card. He asked me to confirm my name again and what my maiden name was. I have been married for 13 years. I have n't had any credit cards in my married name that I do not still have. He asked me about a mailing address that I had over 15 years ago and I again told him, I did n't have that card and certainly did n't have one that was open in XXXX. He then said that the card was open until XXXX and changed the year he claimed it was open until. So he said that he would go ahead and put down that it was indeed a refusal to pay. I angrily told him that I was saying that it was not a refusal to pay but that this card was not mine. I did not have any cards that were open in XXXX. He said " That 's okay, we already have you recorded ''. I told him I was going to report him and he said to " Go ahead and report me ''. This company, whose name he said was Asset Recovery Solutions, was stating they planned to sue for a card I did n't have and using fear tactics that I know are illegal. The man on the phone refused to give me his name but he had a deep voice.
05/12/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 92308	Web
I had been getting these phone calls constantly from a number in Illinois. I am on the national do not call registry, so l never answer these. I was getting angry, so l answered it and asked who they were and why were they calling me constantly. They had my name and Social Security Number. Th e said they where from ARA Inc. - Asset Recovery Associates and they were trying to settle a debt on a credit card from 18 years ago. I owed about {$2300.00} and they were settling for {$920.00}. l was very suspicious and questioned them every way l could think of. They seemed to have all the right answers. I had the money and decided to pay the debt off by debit card over the phone. They were going to overnight mail my confirmation letter with my release of liability. After 2 days it did not come. They told me to fell free to call if l had any questions @ XXXX XXXX XXXX XXXX . I did and it rang funny and never connected. The transaction over the phone happened XXXX XXXX , 2017 and the first phone call back was the XXXX of XXXX . On the XXXX , a XXXX County Sheriff s howed up at my door and told me that my confirmation letter was mailed to someone else who a few weeks earlier was scammed by this same company for credit card debt over 15 years old . Her name is XXXX and can be reached @ XXXX XXXX XXXX XXXX . My letter was addressed to her with my information on the letter head. This company collects your old debt for themselves. Who knows how many $ millions they have taken from people? I would like my money back if it really did n't clear my debt. L have pictures of the documents and times and dates and names of all the people fr om ARA Inc. l spoke with. Thank you.
03/21/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Seized or attempted to seize your property	WA 98837	Web
On XX/XX/XXXX, a person called me without identifying themselves as a debt collector and asked me to identify myself. He proceeded provide my social security number and address and state that I had a debt with XXXX. I stated I have no memory of any such debt nor do I any such company on my credit report ( I know every creditor on my report and I have NO derogatory accounts on it at this time ). He stated that it had fallen off my credit report. He then said he could prove by his data that I was a " XXXX ''. He then proceeded to tell me that if I did not pay him right then he would file a wage garnishment that day and I would have to " Burn my debit card '' because he would empty my bank account. I then asked him if he had obtained a judgement against me in the courts he said no. I called him out on that since he would need a court order to garnish me. At this point the person hung up on me. I called the company back asking for the name, address and license information for the company. The person who answered the phone stated the company was ARA Inc but refused to provide further information about the company. I felt at this time the company was a scam but I have since received letter from the company. I am in the midst of requesting validation of the debt but I felt that this initial attempt to collect debt was sufficiently predatory to merit a complaint on it's own for the following reasons : 1. The caller did not identify themselves as a debt collector. 2. They refused to provide their company information when requested. 3. They threatened immediate action for which they did not have legal standing in an attempt to intimidate me. 4. Called me derogatory names in an attempt to shame me.
11/15/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	TX 76513	Web	Older American
I was telephonicaly contacted by ARA, Inc and I spoke with a XXXX on XX/XX/XXXX about a debt collection attempt. I was informed that the original creditor was XXXX, the original debt was {$6700.00} which he further stated had been written off in XXXX, and the current debt to include fees/interest is now {$15.00}, XXXX. XXXX was very courteous and respectful throughout our conversation but I informed him that I did not recall any matters which might pertain to such a debt. He left me with the impression that legal proceedings were in the process of being pursued. I stated that based on the information he provided to me the Texas Statute of Limitations which is four years would have expired in XXXX ; however, I felt I needed time to think about this matter and my rights/options in such cases. XXXX stated he would hold on to the legal " paperwork '' until the next day and I would contact him again about this matter on XX/XX/XXXX. As agreed I contacted ARA, Inc on XX/XX/XXXX and asked for XXXX. I was told XXXX was in a meeting but XXXX ( sp? ) who I was speaking with stated he was a manager and he could help me. I informed XXXX that based on such limited verbal information I had no alternative but to dispute the debt. My intention was to let ARA know that I would in writing request validation, request essential specific information, and at this point dispute this debt. I also asked him if this was a " Time-Bared '' debt which he refused to answer ( I believe federal law requires him to tell the truth which he would not ). Unfortunately, XXXX then became extremely aggressive and rudely and repeatedly stated " XXXX, you owe this debt '' without letting me talk. He hung up on me.
03/25/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NH 038XX	Web
I have received a collection call from ARA, noting that they have attempted to reach me on several occasions to collect on a debt, valued around {$8000.00}. The debt was apparently last held by a payday loan company, known as XXXX. Prior to that, the debt was held as a signature loan with a company ( XXXX XXXX ) that is no longer in business. The debt supposedly originated around 2001 - 16 years ago. The issues with this request are : ( 1 ) I have never taken out a signature or payday loan with the companies noted ( 2 ) I have never received any communications regarding said debt - written or otherwise After doing some extensive research on Asset Recovery Associates, I have found a multitude of complaints across various websites about this company. They purchase extremely old debt and attempt to collect on it. The problem is that the debt is either : ( 1 ) Beyond the statute of limitations ( in NH, it 's 3 years ) ( 2 ) The debt in question is not even tied to the person that they are trying to collect on I am extremely concerned, as it appears that they were able to acquire a copy of my credit report. They noted all of my current creditors, of which I have a very good or excellent standing. They are threatening to take me to court for a debt that I do not owe with a creditor that I have neither done business with. Based on the numerous complaints that i have found online about ARA, this appears to be their method of operation. I find this to be highly illegal, especially with the treatment that they have given me. They are threatening court action, which I know that they will lose ... but not without the potential risk of hurting both my identity and my credit worthiness
08/30/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA XXXXX	Web
On Monday morning, XX/XX/XXXX, at approximately XXXX XXXX ( Pacific Time ), I received a telephone call at my office from XXXX XXXX XXXX XXXX. The caller identified herself as " XXXX XXXX '' ( " Caller '' ) working for a firm collecting monies I owe " XXXX XXXX '' ( " Bank '' ). The Caller informed me I was about to be sued, and, in the instant case, she was working with an attorney in the office of the district attorney , County of XXXX XXXX. She said I would soon be served if I did not pay the amount due. The Caller 's tone was stern and her message intimidating and threatening. I told the Caller that I did not know the Bank. I advised the Caller she had contacted the wrong person. The Caller informed me I had made loan payments for five years and wanted to know why I had stopped making payments. I reiterated that I had conducted no business with the Bank, had made no payment to the Bank, and owed no money to said Bank. I told the Caller I was in my office and could not take personal calls, and, with no further comment, ended the call. Even though the Caller had been advised she was calling me at my office, on XX/XX/XXXX at approximately XXXX XXXX ( Pacific Time ), while I was in my office, my telephone registered a call from the same number from which the original Caller had called on XX/XX/XXXX. I did not answer that call. No voice mail message was left. During the week of XX/XX/XXXX, I received via United States Postal Service first class mail a notice from ARA , Inc., identifying the original creditor ( XXXX XXXX ), the original creditor 's account number, the balance due, and the ARA, Inc., file number. The notice is included in the attached .pdf file.
08/08/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	TN 37917	Web
On the morning of XX/XX/2018, I received a call from XXXX XXXX XXXX concerning my many-years-estranged sister who lives in another state and, allegedly, wrote a bad check. She confirmed MY personal information to me ( my name, address, several other previous addresses as well as my parents full names and info ) before informing me that myself and my parents are co-defendants in the case against my sister writing a bad check to what appears to me a personal loan company and that there would be arrest warrant sent out for her and that she had to contact them by XXXX. I asked whether my mother, father and I would be liable for my sister 's alleged issue and she said that we were co-defendants but that we would be dropped off of the case if and when my sister or her attorney contacts the business. I was not asked for money or for my sister 's information, only to pass along the information to my sister. I am not sure whether they are looking to scam her, scam me or if this is a true issue, but this was definitely threatening and felt illegal as I know I have nothing to do with the matter at hand and was named as a " co-defendant '' unless my sister contacted them. And they have all of my personal information, my sister 's information ( including her social security number ) and I don't appreciate my parents being threatened or accused of illegal behavior. I understand debt collectors have to do what they have to do but that was HIGHLY inappropriate. To the service rep 's credit, she was polite and gave me all the info on the matter that I requested. I don't believe it was a matter of the rep mishandling the case but overall shady business practice.
12/21/2016	Yes	Debt collection Auto	Taking/threatening an illegal action Threatened to sue on too old debt	KS 66441	Web	Servicemember
At XXXX and XXXX, on XX/XX/XXXX, I received missed calls from Asset Recovery Associates. ARA did not leave a message, so I returned the missed call at XXXX. The representative that answered my call, asked for my phone number. Then, he said he would transfer me to my representative. I do n't believe that the representative that took my call introduced himself. He called me by my first name, and immediately stated that an affidavit was being filed, and a judgement was going to be made against my social security number. Allegedly, I opened a car loan in XX/XX/XXXX, and supposedly defaulted on the loan in XX/XX/XXXX. I told the representative that I do n't have any knowledge of a car loan in XX/XX/XXXX. He then asked if I had co-signed on a loan. I told him several times that I have no idea what he is talking about, and expressed confusion regarding the situation. Before transferring me to the " fraud department, '' he verified the last XXXX digits of my social security number. The representative I was transferred to introduced himself as someone from the legal department, but I did not catch his name. He also addressed me by my first name only. I again explained that I did not have any knowledge of the account they were referring to. This representative took an accusatory tone, stated they had sent letters repeatedly, and called me a liar when I said I did not receive any correspondence regarding the account in question. I would like this debt collector to know that I do n't have any knowledge of a car loan debt. Furthermore, since the alleged default on the loan occurred in XX/XX/XXXX, it would be long past the statute of limitations.
12/14/2016	Yes	Debt collection I do not know	False statements or representation Impersonated an attorney or official	VA 223XX	Web
On XXXX XXXX, 2016, I received a voicemail from a number that showed as, " Unknown, '' on my caller ID. The voicemail was from a lady who said she was with XXXX XXXX XXXX XXXX and that she found my information in the federal database ( she had my full name and date of birth ) and that I was a co-defendant in a case with someone ( whom I have no connection to ... have never known the person ) and to call litigation services immediately. When I called the number I gave them the reference number and asked the name of their company. They said it was ARA, and that they were a company in XXXX, Virginia, and when I asked what that stood for they said nothing. They then told me that it was mediation services. They never told me that they were a debt collector but I received a call about the same person from a debt collector about a year ago that then removed my information. I was then transferred to another person who was, " handling the file, '' and that person told me the same thing about the company name. I then asked them what court my supposed case was in and the case number. The lady told me that she could n't give me that information. When I demanded it, as I was a supposed co-defendant in this case, she said that I did n't need to appear in court if I did n't know the person that they had called about. ( I searched through the XXXX XXXX court dockets and could n't find any such case with either person 's names ) I then asked for the company 's mailing address and she gave me a false address. I then asked her to remove my information from the file and she said she would not remove my information because I was a co-defendant.
08/01/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 95621	Web	Servicemember
XX/XX/XXXX I had received a voicemail from XXXX XXXX and Case # XXXX to call ( XXXX ) XXXX about a claim she had on her desk. I called and it was answered XXXX XXXX XXXX ( ARA ) and my caller ID said the call was from XXXX, IL. I was transferred to XXXX 's extension and was told I have an outstanding debt matched to my SSN from XXXX XXXX and they were attempting to collect. I told her I live in CA, have since XXXX, and XXXX XXXX is an east coast bank. I told her I had NO knowledge of this and she transferred the call to their Legal Dept. The person in legal had my personal information and said they had a court order to collect, freeze my current finances and sue me to collect. This person was NOT very nice at all and spoke to me as if I was just another liar with memory loss. I had told this person I had NO knowledge of this. He said they have the law on their side and WILL collect and advised I seek legal counsel. I asked the time-frame of this alleged debt, he said it was from XX/XX/XXXX and the last activity was in XX/XX/XXXX. They claimed that ALL attempts to contact me have failed and gone unanswered. I NEVER received anything to the contrary by mail, email or telephone. I wished him good luck and immediately ended the call. Mind you my phone number is unpublished as well. I feel this is some sort of SCAM and will NOT have any further contact with ARA. There is NO such debt on my current credit report ( XX/XX/XXXX ) and feel this is a SCAM on all levels. Hopefully this fraud can be shutdown in its tracks before somebody is actually convinced of this SCAM and actually suffers monetary loss. XXXX XXXX XXXX, CA
02/28/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78258	Web	Servicemember
I was contacted on the morning of XX/XX/XXXX about an erroneous debt that ARA said that I owed ; the name of the person that talked with me was XXXX XXXX. ARA alleges that I opened a credit card account in XX/XX/XXXX and that I made payments until XX/XX/XXXX. They further allege that I then stopped making payments. They have the wrong person. Today, XX/XX/XXXX, I received a letter from XXXX XXXX of ARA including an affidavit of assignment of a debt to ARA. The letter instructs me to make a payment by tomorrow, XX/XX/XXXX, for a partial sum of {$2300.00} on the owed balance, or else I owe the full amount of {$17000.00}. Again. They have the wrong person and provided no further details around this alleged debt owed by me. I did not open this account almost 40 years ago. I have never seen any adverse reports on my credit history that would reflect this type of default, and I remain in good credit standing. I deny that I am the debtor that ARA are looking for. It would have been impossible for me to maintain my military security clearance for the 22 years that I spent on XXXX XXXX, which includes the time of the alleged debt default of XX/XX/XXXX. The unprofessionalism from ARA is concerning. They asked me lots of personal questions and I felt pressured by them. Isn't there some statute of limitations that applies to this type of harassment? In their letter they state that if I settle the debt, they won't report any derogatory information to the credit bureaus. Isn't that illegal in this case? This is causing me great stress. I just don't know what my options are here.
10/12/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	OR 97266	Web
I was called on XX/XX/XXXX from XXXX XXXX XXXX, a person claiming to be in the legal dept named XXXX XXXX. XXXX stated I owed a debt to XXXX XXXX for a credit card I opened in XX/XX/XXXX, and if I did n't pay it they would sue me for wage garnishment or put a lien on my house. She stated they mailed a settlement letter to my home, which I did not receive, I confirmed they have the right mailing address. She stated the debt first became past due in XX/XX/XXXX. I told her the statue of limitation is up and that I do not believe I owed this debt. She stated that she would send it to an attorney in my county and they would sue me the debt. When I told her I would wait to speak with my attorney, she began yelling that I owe on many credit cards and that they are all at their limit and I was going to pay the debt whether I agreed with it or now. She then hung up on me. I called back to try and reach her and ended up speaking to a woman named XXXX who rudely asked me what I wanted when I asked to speak with XXXX in the legal dept. I stated we were speaking when XXXX hung up on me and I just wanted to know why they were trying to collect on a debt that was almost 10 years old. XXXX said they acquired the debt in a federally regulated sale back before the statue of limitation was expired, and recent XXXX had done an audit and requested that ARA pursue this debt again. XXXX stated that because the debt was bought before the statue of limitations was up, they had the right to keep collecting on the debt until it was paid or they decided to sue me.
05/29/2015	No	Debt collection I do not know	Communication tactics Threatened to take legal action	FL 337XX	Web	Servicemember
I have received numerous calls from ( XXXX ) XXXX attempting to collect a debt I do not owe. The alleged debt is over 16 years old. The most recent caller claims to be XXXX XXXX calling about a " case '' that has been placed with their " legal division '' about a " petition for judgment '' that has been " filed against me '' and they will be processing through XXXX County Courts. XXXX XXXX then goes on to say it would be in my best interest to call him immediately and left a number of XXXX ext XXXX with a " case number '' of XXXX. XXXX XXXX also called my husband and left the same message implying that I had been or am being sued and a judgment has been or will be obtained against me. I have heard from family members and friends that they have received similar phone calls as well. I have explained to other callers from this number that I do not owe the debt that they are trying to collect but they insist on continuing to call me. When I do not answer the phone then they randomly call a member of my family or friend to call and leave the disturbing message. This clearly rises to the level of harassment. Further, I believe it is a clear violation of the Fair Debt Collection Practices to insinuate a legal action has occurred or will occur when it has not and they have no intention ( because they can not ) bring a legal action against me. Likewise, I believe it is a violation to insinuate there is a judgment against me when there is not. Please contact this company so that they will cease contacting me and other consumers in this manner.
11/21/2018	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	AL 36575	Web
Received a call at XXXX XXXX today from a no caller id advising me I was being contacted about a fraud investigation and asked me to call XXXX at XXXX to clear my name. Upon my call and after multiple transfers I was sent to XXXX XXXX whom introduced himself as the general manager. I was informed of an old payday loan that was taken out XX/XX/2016 that was sent to collections due to being return from my bank and I was facing theft by deception along with many other criminal charges and would be arrested under Alabama title 12 if I didn't pay the check amount of {$580.00} plus attorney fees bringing the total due to {$3900.00}. I explained to Mr. XXXX I was unaware of the check he was referring to, not denying but needed further clarification or information prior to any commitment I was willing to make beings I have not received any collection notices from anyone regarding this debt. I was informed by Mr. XXXX that this was not a collection agency but a3rd party criminal investigation company trying to verify my address to issue warrants. However since Mr. XXXX became hostile with his threats of jail time and his non compliance with providing me with information on said debt and Mr. XXXX denying my request to be transferred to someone higher than him, I hung up on him after a XXXX min XXXX second conversation. Something needs to be done with this company, Debt collection is a civil matter & it is against the law for debtors to threaten criminal action for non payment of a debt under Fair Debt Collection Practices Act
03/02/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 94550	Web	Older American
On XX/XX/XXXX I received a phone call from XXXX XXXX XXXX regarding a debt owed by my ex husband per my divorce decree which was granted in XXXX. We were to each pay half of the credit card debt. I was threatened with a law suit suing me and cancelling mine and my current husband 's credit cards and seizing our bank accounts. My bank account is strictly for my income, which is Social Security XXXX, and my ex husband 's retirement, ( annuity ). She told me the amount of the interest that had accrued over the course of 19 years and then threatened to sue me in a court of law if I didn't make arrangements to pay this debt. She insisted I pay {$1300.00} down and make payments of {$30.00} a month until the amount they would settle for of {$3800.00} was paid in full. She wanted to take this {$30.00} per month payment from my credit card.I tried to tell her I thought there was a statute of limitations and they needed to go after my ex husband. After she was through scaring me and badgering me, I was transferred to another agent who advised me that the conversation was being recorded. He repeated the amount owed and the amount of monthly payments that would be charged to my credit card. They attempted to run the {$1300.00} twice on my credit card ( per my bank fraud protection. ) This man insisted I call my credit card company and authorize this payment. These people scared me and I honestly thought they were going to seize mine and my current husband 's assets along with hurting our credit.
06/08/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	WA 98290	Web
I was contacted on my cell phone by a woman named XXXX XXXX on XXXX/XXXX/16 at XXXX. I did not answer since it was an unknown number so she left a message. She does not state what company she works for but says that there is a claim in their office and she needs to speak to me further regarding the matter. She called from XXXX. She requested that I call her back a XXXX, ext XXXX. She said I was to refer to case # XXXX. Within seconds of that call my son received the same message for me on his cell phone. I have recordings of both messages left. The message on my son 's phone was the same except the case number given differed. I did not return the call. On XXXX XXXX, 2016 I received a letter from ARA Inc stating that ARA has recently obtained and now is the legal owner of my XXXX Account. I do not have an account with XXXX, nor have I ever had an account with XXXX. I called XXXX 's fraud department and they verified that they have no record of an account with my name or the account number that ARA Inc. says is mine. ARA claims that I owe {$5500.00}. I do not. The case number listed on the letter is different than the XXXX numbers previously given in the 2 different phone calls. I ordered a credit report on XXXX/XXXX/16 through XXXX which also shows that I have never had credit with XXXX. The credit report also shows that I have XXXX negative accounts, XXXX collections, and XXXX public records. All accounts shown are either " Pays as Agreed '' or they are closed with a XXXX balance.
10/14/2015	Yes	Debt collection I do not know	False statements or representation Indicated committed crime not paying	OH 45601	Web
I received a message on my voice mail from Asset Recovery Associates, stating that I needed to call them right away about a " bad check and breach of contract filing '' against XXXX XXXX. XXXX XXXX is my ex-husband whom I have n't seen since 1997 ( except in Family Court ). I was given the case # XXXX, and the phone number of the " Plaintiff '' is XXXX. When I called the number, I was told that I was a " co-defendant '' with XXXX XXXX in this case which has already been filed in XXXX, IN and I should be served with a summons soon. I informed " XXXX '' that I have never set foot in XXXX, and that XXXX XXXX and I have been divorced for quite some time. She kept refusing to give me any further information and said I would just have to wait until I 'm served, and then she hung up on me. My husband also called, and he was hung up on as well. After calling the XXXX County, XXXX County Clerk 's office, I was told to do a search at mycase.in.gov and that if there was anything filed against me it would show up. I did that with both my name and my XXXX XXXX 's name, and nothing came up. In addition, one of my daughters told me that she received a phone call asking about contact information for me, but she did n't give them any. It 's possible that my other daughter did, but she and I have no contact. I 've only been married for a little over 2 years, and have only had my cell phone number for maybe a year. The company would not tell me how they received my name and phone number.
09/26/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AZ 85351	Web
Rcv 'd call on XXXX/XXXX/XXXX on cell from XXXX at XXXX with no company name. Only an case #. She also stated made that they made several attempts to reach us, but we have no record of any previous calls. When we got home, there was a message on the answering machine @ XXXX from same lady stating she was employed by ARA and the same info as above, that a immediate response was necessary or a final decision will be made that evening. I requested info in writing as I have no knowledge of owing any debt whatsoever to XXXX XXXX Bank, the name of which she gave when I talked to her. She was very aggressive when I spoke to her and I ended the call. A letter was received from ARA, on XXXX/XXXX/XXXX, dated XXXX/XXXX/XXXX, demanding payment of a very, very large debt we know nothing about. I pulled my credit report from XXXX different bureaus and there is not a reference to any such debt. I also went to our local bank with this information and they said it was probably a scam. I have not now nor ever had an account with XXXX XXXX Bank, who, by the way, ceased operations in XXXX under that name, per the internet and our local bank. I have sent a letter of dispute to ARA, XXXX to their XXXX XXXX XXXX and a street address obtained by XXXX them. This letter requests proof of debt being mine by way of a copy of original loan documents with my signature. These letters were sent registered, return receipt requested, upon the advise of CFPB. who were very gracious in helping my wife.
08/10/2016	Yes	Credit card	Billing disputes	AZ 85379	Web	Older American
In XXXX of 2015 I was contacted by the ARA account recovery service concerning a XXXX Bank credit card which was a debt over 12 years old.I agreed to a pay off of {$950.00} which they agreed to over the phone I paid them off at XXXX per month for 5 months. which I have Bank statements to prof it.My last payment was in XXXX 2015..I was just contacted this month XXXX and billed for the same account stating that they had bought it from someone.I called them and told them I had paid this debt off to them ARA in XX/XX/XXXX.They said that they would check it.When they called me back they said I only paid {$750.00} .I told them I had Bank statements showing I paid them $ XXXX.At this time I requested that they send me their payment account showing the date and amount that they had on file.They refused to send it to me.I asked them if I owed them anything on my account why wait for 8 months to contact me .I am sure debt collection agency would not wait 8 months to collect on my account.They had no response for their actions'The pay off had been agreed to of {$950.00} .When I told them this over the phone, they composed a new letter with new numbers.If I had not old them of this they would have treated this account as a new XXXX now they sayv I owe $ XXXX {$750.00} and now they want $ XXXX.If evident from this that they have a accounting problem and management problem. Please help me because they made an error and now trying to cover it up and make me pay for it..
12/20/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MS 395XX	Web
On XX/XX/XXXX, ARA Inc. contacted me and left a voicemail stating that if I did not respond immediately, they would be sending a locator to find me and also issue a warrant out for my arrest. On the same day, they contacted my mother and let her know that I owed a debt and that they were sending a locator to her house to find me and to issue a warrant out for my arrest. After my mom told me this, I contacted ARA where I spoke to a representative who was insanely rude. I asked her to send me validation of the debt and she hung up on me. I then called back, referenced the case number they gave me, and the woman told me again, that if I did not comply I would be arrested. I let her now that I had absolutely no clue of this debt. I also told her to not contact my mother and do not send anyone to her house. After hearing that, the representative hung on me. Again, a representative, Ms. XXXX, called my ex husbands grandmother to ask to speak to me. The representative let her know that I owed a debt and that if she didnt hear from me today, they would be issuing a warrant for my arrest. This is getting completely out of hand. Ive asked for a validation of debt which I never got. They have contacted family member and spoke of this debt and threatened to pursue legal action. This is not right! Ive had to change my number because they would call my phone up to four times a day and leave threatening voicemails. I just want them to leave me and my family alone.
08/31/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	AL 36116	Web
I 've been receiving calls from an Illinois # for the past few days. Today, I decide to call back before I blocker it. I found it is a collection agency by he name of ARA. They said they were calling about a credit card I opened in XX/XX/XXXX and last appeared on my credit in XX/XX/XXXX. I asked about the time ( it 's been 16 years ) and was told it did n't matter. Then I was threatened by saying they could or would sue me. Then the guy I talked to said they saw I was connected to another credit account that was in good standing and they would collect from that. I called back to tell them not to call me anymore. Each person I talked to ( when I called back was rude, unprofessional and still threatening. I arguedo n't that I did not have a contract with them and this debt is over 16 years old and should have been cleared. I was told hat they purchased the account and I owe them. While I was talking to the first condescending representative, he just forwarded me to the office manager WHILE I was talking. The office manager was nothe any less condescending. As im reporting to the supposed office manager, I 'm told, completely nonchalantly, that he would have to review the tape to corrobviate my story. I ask, how long it would take and he, again condescendingly replies : I do n't know. Should I continue to be harassed, I will pursue the legal route ... ..but not before I report them to the FEDERAL TRADE COMMISSION, ATTORNEY GENERAL AND THE BBB!!!!!!
04/08/2016	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened to sue on too old debt	OK 731XX	Web
i was contacted this morning by ARA Inc over a debt to a company called XXXX XXXX. They stated that the debt fell off my credit report in 2006 but that they had decided to file a lawsuit against me in XXXX XXXX. They then transferred me to their " Legal '' department. The rep there stated that they would be filing on Monday in Oklahoma XXXX and putting liens against my credit cards ( which they listed on the call ) and that they had my bank account information which would have a lien placed as well. They stated that the amount was {$5000.00}. I asked for information about the amount owed and they gave me the name XXXX XXXX. I asked why they were taking me to court when I knew nothing about this debt. They stated that they had sent me a payoff offer in XXXX. I stated that I had never received anything from them. They emailed me the payoff offer and stated that I had to pay today. I told them that I needed to look into it, and they responded that if I did n't pay today, that they were suing me. They then called back 11 minutes later and demanded the payment for payoff. I responded that I looking into it. The reps stated that she was going into a meeting about me and whether or not they were going to proceed with legal action so she needed the payment NOW. I advised that I could not make a payment at that moment. They then called back 47 minutes later, but I did not take the call as I was on a conference call at work.
06/25/2016	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	VA 22030	Web	Servicemember
I have been contacted by XXXX XXXX of " the legal department '' of ARA , Inc., claiming to be a collection agency attempting to collect an alleged debt of which I have no knowledge. I did not find the alleged debt, " XXXX XXXX '', on my credit report. XXXX XXXX has contacted me numerous times by telephone : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX And today I received the attached letter via XXXX. In the telephone conversations, XXXX XXXX raises his voice and demands immediate payment of the alleged debt under threat of immediate civil action without affording me an opportunity to dispute the debt or even inquiring about the nature of the debt. He claims the debt is for an account dated XXXX. Even if this alleged debt were true, and I emphatically do not stipulate that it is, the statute of limitations in Illinois for such civil action has long passed. I asked XXXX XXXX for his agency 's address ; he refused to provide it. I asked XXXX XXXX to provide validation of the debt ; he refused to send it. Furthermore, a search of the records of the Illinois Department of Financial and Professional Regulation yields no Collection Agency license for XXXX XXXX or ARA, or for XXXX XXXX, the ARA manager named in the letter. I believe this is an illegitimate, fraudulent attempt to collect a fictitious debt.
08/26/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 95076	Web
On XX/XX/XXXX, I received a call from XXXX XXXX at Asset Recovery Associates ( XXXX ) who informed me I had an outstanding debt with XXXX XXXX credit card company that had been turned over to them for collection. The original amount they claimed I owed was {$3200.00}, but were offering me a settlement of {$2200.00} if I paid them today over the phone using a credit card. Mr. XXXX alleged this account had been opened XX/XX/XXXX, and was in default from XX/XX/XXXX-XX/XX/XXXX. I had neither records or knowledge of this account, nor does it appear on any of my credit reports. I was concerned because he had my unlisted phone number, social security number, my home address and knew some of my credit information. They also misspelled my first name. I discovered ARA made a soft inquiry today into my XXXX credit report when I was checking my report for any such account. His tone was aggressive and felt threatening. When I told him I had no memory or evidence of such account, he accused me of lying and trying to avoid my responsibility. When I asked for documentation, after a long delay, he sent me a letter regarding our conversation, alleged account number and an " Affidavit and Assignment '' letter issued XX/XX/XXXX. I told him I needed to check my credit report and personal records and get back with him with the information. I was unable to find any record of this account.
07/06/2016	No	Debt collection Credit card	Communication tactics Threatened to take legal action	TX 774XX	Web
ARA has called me numerous times harrassing me about an alleged debt they claim dates back to XX/XX/XXXX. They are hostile and rude and have hung up on me each time I ask for more information. During one instance, the person informed me that they already have a judgment against me for the alleged debt. Shocked to hear this, I asked to speak to the attorney and for the attorney 's information she said " I will note that you refuse to cooperate '' and then hung up on me. Another person, XXXX XXXX with ARA called again today XX/XX/XXXX and told a different story. she said that they have " requested '' a petition for judgment. I asked for details and to speak with the attorney and she refused. She told me she would let me speak with the paralegal, XXXX XXXX. After being placed on hold, XXXX XXXX rudely said she was the account manager and she was XXXX XXXX ' boss. She asked me " what did I want. '' This is odd considering they called me and that XXXX XXXX is supposedly a paralegal and should report to the attorney not to an account manager. When I asked to speak with the attorney, for the attorney 's phone number, and for his bar number, she sarcastically said " his bar number? Bye '' and proceeded to hang up on me. These are only a few examples of the phone calls I continue to recieve. Each time I ask for details I get the run around and then they hang up on me.
10/10/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	AZ 85374	Web
Today, XXXX XXXX, XXXX I talked to someone with a company called ARA, Inc. They had made two previous calls to my cell phone but never left messages, so I called the number to see what the calls were about. The person then proceeded to tell me they were calling to settle a debt from XXXX from a XXXX XXXX XXXX account in the amount of {$4000.00}. I told him the account he mentioned did not sound familiar. He mentioned the account was opened in a different state than where I lived in XXXX, then subsequently sold to different collection agencies. I reiterated to him, I didn't even live in that state in XXXX. Not only that, but he repeatedly kept referring to me by my First and Middle names only. He had very detailed information about me and my credit record. He sited my complete social security number ; he referenced current accounts on my credit report, and then stated that I had good credit, ( " re-established credit '' ) and then insinuated that he would do whatever necessary to recover the {$4000.00} and pursue legal action. He then accused me of using different names. I stated that in the 19 years I have lived at my current address, I have never been contacted by anyone regarding a XXXX XXXX credit card account, and at this point, all this was, was a random call to get money out of me and I requested he send me detailed information about the account / debt.
06/09/2015	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	IL 625XX	Web
I received several calls yesterday from XXXX XXXX at ARA. Phone number XXXX. Case number XXXX XXXX. She left a message on my cell phone and repeatedly called my work number. I can not take personal calls on company time. It is not allowed. When I called this morning, she would not give me information regarding this debt. She said it was going to litigation and I was going to be served legal papers. She said she was a Process Server for the county ... but did not mention which county. The little bit of information I did receive was vague. She mentioned a bank account which I have not had for several years. She also mentioned a hospital bill and a towing bill, all of which have been paid. She said she mailed documentation to me and the 30 days in which I had to respond are over. I asked her to send me the information to me again and she said she could n't. The only thing I could do today was pay {$710.00} to cease and desist. I would n't give her any banking information. She suggested I get a pre-paid credit card to pay the amount. I called back and spoke with XXXX and told her I did n't receive any information and was disputing the debt. They would not work with me at all. I either paid {$710.00} TODAY or I would be called into court. They are supposed to be sending information to me in the next week to 10 days and I have to be home to receive a summons.
12/14/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	FL 32837	Web
To Whom It My Concern, XXXX XXXX XXXX in Illinois has continually tried to collect on and old credit card debt that is past the statute of limitation in Florida. Today, XX/XX/XXXX they called me on 3 separate occasions using an automated dialer. I have not given my express consent to this or any other company to call me using an automated dialer. In fact my number of registered on the Federal Do Not Call List. Today they threatened that they have a judgement against me and that it will be enforced on Monday XX/XX/XXXX in XXXX Co Florida. They stated that the only way for me to avoid this action was to pay them some {$1900.00} today. First I have never been notified or served with a summons regarding any suite . Second, the credit card debt in question is over 10 years old and is past the statue of limitations to sue in for judgement in the State of Florida. The false threats and the phone calls to my cell phone using an automated dialer without my expressed consent are clear violations of the FDCPA and CFPB regulations. On top of that they call me three times in one day the first call was at XXXX, the second call was at XXXX and the third call was at XXXX. I picked up and answered all three calls. It was in the second call that the agent threatened the legal action and demanded payment to stop the legal action today. Sincerely, XXXX XXXX
04/11/2016	No	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	MN 554XX	Web
I was contacted on XXXX/XXXX/XXXX in regards to a payday loan I supposedly taken out on XXXX/XXXX/XXXX. I requested the specifics of the payday loan as I agreed to taking out payday loans in the past but never defaulted on it. The person could not give me any specifics as to who the complainants/broker were however ; she did state the financial institution was XXXX XXXX. I am very skeptical that this is my debt as I 've have excellent history of paying my bills on time for the last 8 years no late payments on credit report at all. As a matter of fact I am certain this payday loan was paid in full. I am sure this is some sort scam or scare tactic and I am not sure what they will try to do to get money from me. I ca n't say the debt is mine or if I 'm a victim of identity theft. I am currently with the same bank and never received any sort of communication about debt being outstanding. I 've lived at the same address for 6 years prior to moving in XXXX XXXX. I have never received any sort communication about delinquency which raises concerns. Could someone provide information on the legitimacy of this debt collector? They only provided a number no company name is noted on answering machine XXXX. Lastly, I checked the debt was paid in full however it may not be mine at all considering they could not provide me any details on the debt.
02/16/2016	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	TX 75052	Web
I received a call today at XXXX XXXX XXXX/XXXX/2015 asking for XXXX XXXX my daughter. The person refused to provide me with there name. I asked if I could take a message he proceeded to say we are following up on a previous arrangement made to remove a summons. If she does not contact us today the summons will be processed and she will be charged and possibly prosecuted. I asked him if this was a collection agency he said no we work for XXXX XXXX we are not a collection agency. I said you are not and your calling from an XXXX number. I know fraud deception when I hear it and I could hear the other reps on calls in the background. I told him not to call again to remove my number they will be reported. He kept talking and I hung up. Why did this fool call me right back saying threatening nonsense. I hung up called the number from my cell the company name stated ARA. First of all he broke every FDCPA law in place for dept collection. He did not provide his name or company name, He provided personal information to a third party and stated he was not a collection agency when they are and he made threats. My daughter needs to be compensated for deception, fraud, and providing wrong and untruthful information to a third party. These people could of called somebody else and stated the same information to them. There phone number is XXXX.
08/07/2018	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	PA 152XX	Web
I answered my cell phone and was asked if this was XXXX ****, XXXX ***** or XXXX *********. Clearly he had something with all names maiden or married. I asked what it was regarding. I was told that they have a debt in my name-not sure what one and that it was going to court. He said that it was for XXXX dollars but I could pay XXXX to make it good. I asked him to verify what it was and the name on it. He began calling me names such as a dirt bag, scum bag, leech who buys things and doesn't pay for them. What was scary is that he must have had my credit report as he told me all my current liabilities. I hung up on him. I was extremely upset. He just yelled and yelled at me, calling me names and using obscenities. I waited a few minutes and called the number and requested to speak with someone else regarding this. it is upsetting to me that someone has my information, wont verify it and I currently have XXXX due to tampering. when I called back, they transferred me to him. He began his tirade again calling me worthless with nothing better to do than call him. He stated maybe I should get a job and be less of a scumbag. I wanted verification of any debt as I have been tampered with. He continued his obscene tirade until I hung up. This company is named ARA and the phone number is XXXX. It seems to be from XXXX, IL
09/19/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	OR 97702	Web
Assests Recovery Associates called me and used scare tactics to try to collect on a debt that is at least 20 years old. I do not believe that I owe anything on this old credit card debt. They claimed they had sent a settlement letter and because I had not responded to the letter they were now forced to collect the debt in full immediately. ARA knew my social security number and told me that they had contacted my current credit accounts and knew my status and balance. They tried to convince me to make a payment of {$2000.00} to them using one of my credit cards. They threatened to have their lawyers put holds on my accounts or income if I did not pay by the XX/XX/2019. I was had. They got me frazzled and I paid {$100.00} toward the total. ARA said I would have to pay {$1900.00} by the XX/XX/XXXX or pay {$240.00} a month until the total balance was paid. Then I started thinking straight and looked into the company, ARA. I found that CFPB had just settled with ARA for non-compliance with Consumer Protection Act of 2010. ARA is still non-compliant. I faxed a letter to ARA telling them I refuse to pay anything more because I do not believe that I owe this debt and they are not able to provide proof of the debt. I asked them not to contact me again. Since that request, they have tried to contact me twice by phone.
05/04/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	NC 283XX	Web
Today, XX/XX/XXXX, at XXXX, I received a call from a company listed as ARA XXXX ( I never heard of them nor business with them ). A rude and threatening collector identifying himself as XXXX XXXX recited my social security number, and advised me that the call was concerning a pre-legal matter that I was possibly unaware of that I owed. I was alarmed that a stranger was calling with my ssn in the XXXX place and demanded to know what company was claiming that I owed them and he became very hostile. He said a XXXX time that I was about to be served to court for the still ( unidentified debt ) under a civil judgment. I became irate at his combative tone and informed him that I had no outstanding debt. He then identified a credit company and amount that I have not done business with and settled as far back as XX/XX/XXXX at the least. My complaint with ARA XXXX, phone number XXXX, is that XXXX ) He ( collector ) threatened to sue me in court for an account I settled and have not done business in over 15 years - over the statue of limitations in my state ( NC ). I submit that in that case the debt would be considered time barred. XXXX ) I placed agent on speaker where he repeated his threat and definite intent to sue me to appear and I have witnesses to attest to this fact. This is illegal.
08/18/2016	Yes	Debt collection Auto	Improper contact or sharing of info Talked to a third party about my debt	OR 97471	Web
XXXX sold a XXXX year old debt to Asset Recover Associates, Inc in XXXX, IL. now they called me and say they want to collect. The first representative said a court order was already filed in XXXX XXXX under an attorney named XXXX XXXX and that I had missed my court hearing back in XXXX of XXXX. I told him they needed to serve me court papers, he said it was public notice and I do n't have to be served, then I asked him his name and he quickly transferred me to another person. The next person would not give me her name either. but she said this was not filed in court yet and I needed to pay them {$11000.00}. As soon as I told her this was almost XXXXyears old she hung up on me. I tried calling them back asking for an address for the company and the woman on the phone refused to give their business address. I pulled my credit report and they are on it that is how I was able to obtain their address and phone number. How can they have a right to be on my credit report? I resolved this issue back in XXXX, but that company still sold my information to another company. I went through the shooting at XXXX XXXX XXXX and my XXXX has slowly been settling down when this call comes in. Again I am not sleeping, I am afraid to go out doors. Thank you for this website.
07/01/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	WA 98258	Web
I have received repeated phone calls to my home phone, personal cell, work cell, and work phone starting in XXXX of 2014, and once every ~XXXX weeks from ( XXXX ) XXXX, ext XXXX, referencing a court case against my ex-wife ( XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX Their reference # is XXXX. The caller XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX have stated that my ex-wife has listed me as a character reference in the court case and the only way that they would stop calling is if my ex-wife provides and affidavit. They refuse to identify their company, provide an address, or refuse to stop calling ; they have called my sister with the same tacticsI have not seen or spoken with my ex-wife in over XXXX years and explained it to them, yet they persist. They have even threatened me with a subpoena if my ex-wife did not contact them. I have contacted XXXX XXXX XXXX XXXX and they indicate the judgement listed is closed and suggested I contact their collection agency. I contacted their agency XXXX XXXX XXXX ) and they said they have not been trying to contact me and have no ties with the number listed above. They do not ask for anything beyond " do I know my ex-wife 's whereabouts and that she needs to contact them ''.
12/09/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	TX 77388	Web	Servicemember
On XX/XX/XXXX I received a call from ARA inc. they claimed that they bought the debt on a XXXX XXXX account in my name. I told them i have never had a XXXX XXXX and they told me i was lying and they had proof. They then read me every address Ive lived and all my employers from a copy of my credit report. They claimed that the address matched bills payed on the XXXX XXXX to my past addresses. They stated that they i have excellent credit, and i better pay up before they ruin it. They stated that they matched the signature of a truck i purchased in 2003 with the signature of the XXXX XXXX application. I requested proof of the debt, which they overnighted, showing a debt of {$11000.00}. I called XXXX XXXX with the account number they profived and they confirmed that the account was in collections to a XXXX XXXX with a different age social. I called ARA inc. back to inform them of the mistake and they told me i was lying, that again they have proof it is my debt and that they will be informing my creditors and employer of the outstanding debt. ARA Inc. have the details of the account which show that is not mine yet they got a copy of my credit report for the purpose defrauding, and harrassing me into paying a debt that is not mine.
01/29/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30135	Web
The company ARA ( XXXX XXXX XXXX ) contacted me repeatedly and my parents repeatedly in a 2 day time period starting on XX/XX/XXXX. The first person to contact me was XXXX XXXX XXXX * XXXX. He left multiple messages on my phone and my parents phone. He claimed he was trying to collect a debt from XXXX from the year XX/XX/XXXX. He said that the last activity on the debt was XX/XX/XXXX and that because the bank put the debt on hold due to the government bailout and now he was coming back to collect the debt. I asked him if he could do that and he said yes and if I didnt pay he was going to report it to all three credit bureaus. I told him I filed chapter XXXX bankruptcy and he said that didnt matter and he was going to do whatever was necessary to collect the debt including garnishing my wages. He said since I have repaired my credit now that when he did report it to all three agencies it would ruin it again. I asked to speak with his supervisor and thats when he let me speak with XXXX XXXX. XXXX XXXX said the same things including ruining my credit, garnishing my wages, said he was happy to call my parents to see if they could pay the debt for me. He said a debt is a debt and they can come and collect at anytime until I die.
08/25/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	NY 122XX	Web
A representative from the Asset Recovery Associates called me and claimed to be representing XXXX to collect a debt that they claim I still owe from XXXX. They threatened me with a lien, to seize bank accounts and sue me in court. I spoke with no less than XXXX different people. Together they provided zero proof that the debt ever existed and when questioned about how I was able to open the alleged account in XXXX when I would have been XXXX years old, they changed their story and blamed a computer glitch/data entry error. I watch my credit histories carefully and this account never appears on my reports - then or now. I do not owe this debt but ARA attempted to scare me so that I would agree to pay. They also disclosed my social security number over the phone without verifying the identity of the person answering the phone. This reckless practice puts me at risk for identify theft. They must have purchased my information from some organization.They offered to send proof of their claims about this alleged deliquent account to me via email ; I provided my email information but have n't received any information - its been over a week now. This company is engaging in illegal business practices and should be stopped.
05/21/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 77471	Web
XX/XX/XXXX someone from XXXX XXXX XXXX contacted me and said that I had a credit card with XXXX XXXX from XX/XX/XXXX - XX/XX/XXXX. They said that I owed XXXX XXXX {$2600.00} from XX/XX/XXXX. They also stated that if I paid the settlement of {$1500.00} by XX/XX/XXXX, then they would not report any derogatory information to the credit bureaus. I explained to the representative that I do not owe any money to XXXX XXXX, and that I do not remember having a credit card from XXXX XXXX. If I had a XXXX XXXX XXXX XXXX, I would have already paid it off. She then asked me if I had social security or XXXX benefits in which to pay this debt. She stated that if I do not pay the debt, that they would place a lien on my house and add this debt to my credit scores. She stated that I had good credit but it would not be good when they added this to my credit report. I explained again that I do not have Household Bank credit card and if I did, it was 13 years ago based on her dates. I looked at my credit report and I noticed that XXXX XXXX XXXX had an inquiry on my XXXX Report XX/XX/XXXX. I also noticed that I do not have a XXXX XXXX credit card on my credit report. I also sent a complaint to the Texas Attorney General.
02/08/2017	Yes	Debt collection Payday loan	Communication tactics Threatened to take legal action	TX 77083	Web
I 've gotten repeated calls from a blocked number. When they leave messages. they note I need to call a particular number for any additional questions or concerns. I generally ignore the calls, having been through this scare tactic several times. The messages say they are with the XXXX XXXX for XXXX XXXX and they are preparing to process me on grounds at my place of employment or my residence. They also threaten to contact my HR team to learn the " process service '' protocol and work to garnish my wages. They go so far as to actually contact my XXXX XXXX department but upon a return call, they note they simply want me to call them back. If I do n't respond the way they intend, they escalate and the calls become more persistent. The messages more threatening. The guy even told me to contact my XXXX office with him on the line. I spent a good portion of my business day yesterday dealing with these scam artist and I 'm tired of it. I asked them to stop contacting my place of employment but she advised she would continue to do so because she has a legal matter to handle with me. This type of harassment needs to be stopped. It will eventually cost someone their employment. Then, no debts will be repaid.
09/30/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	AL 36608	Web
ASSET RECOVERY ASSOCIATES, XXXXXXXX XXXX, XXXX XXXX, IL, XXXX, XXXX, CONTACTED ME ABOUT A XXXX XXXX DEBT FROM XX/XX/XXXX. THEY TOLD ME THEY WERE LAWYERS WHO WERE GOING TO SUE ME AND GARNISH MY WAGES IF I DID N'T AGREE TO A SETTLEMENT. XXXX XXXX XXXX XXXX. XXXX ) CONTACTED ME ON MY JOB AFTER I TOLD HIM NOT TO. HE CALLED BACK AND ASKED FOR XXXX XXXX STATING THAT HE NEEDED TO SEND A GARNISHMENT ORDER ON ME. I HUNG UP AND HE CALLED AGAIN. HE CONVINCED ME THAT THE LAWYERS HAD A LEGITIMATE CLAIM AGAINST ME. XXXX XXXX HAD MY SS #, ADDRESS, EMPLOYER INFO, INFORMATION ABOUT RECENT PURCHASES, AND MY CREDIT REPORT. I AGREED TO PAY {$1200.00}. I HAVE MADE XXXX PAYMENTS ; XX/XX/XXXX - {$400.00}, XX/XX/XXXX - {$400.00}, AND XX/XX/XXXX - {$200.00}. MY LAST PAYMENT WAS SCHEDULED FOR XX/XX/XXXX - {$200.00}, BUT I HAVE INSTRUCTED MY BANK NOT TO PAY. I FOUND OUT THAT THEY ARE NOT SUPPOSE TO COLLECT ON THIS DEBT DUE TO THE STATUTE OF LIMITATIONS NOR WERE THEY SUPPOSE TO SET UP REOCCURING BANK DRAFTS WITHOUT WRITTEN CONSENT. I WAS TOLD TO REPORT THEM TO MY ATTORNEY GENERAL ( DONE ) AND YOUR AGENCY. THANKING YOU IN ADVANCE FOR ANY HELP YOU CAN GIVE. HOPEFULLY YOU CANHELP PREVENT THIS FROM HAPPENING TO ANYONE ELSE.
04/13/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 94610	Web	Older American
I received a phone call today from Asset Recovery Associates ( ARA ) ( XXXX ) about a debt owed to XXXX now owned by some XXXX affiliated affiliate. The last time that I had service with XXXX was when I moved from XXXX in XX/XX/XXXX when I paid them in cash and received a receipt for final payment. They claimed that I had not paid them. I produced the receipt and they withdrew the claim and discharged it. I never heard from them again. I filed for bankruptcy in XXXX and had all known debts discharged. i am not sure if i included XXXX as a known debt but since i had not heard from them in over 10 years, my assumption is that it was not included. The disputed amount, if my memory serves me right was about {$300.00}. Today ARA called me and claimed that i owed $ XXXX and that they would settle for {$1000.00}. I refused and demanded that they provide documentation from the XXXX. They threatened me with court action, liens making disparaging remarks on my credit report. More disturbing is that they had my SSN and had access to my credit information. It has been over 22 years since I thought i had settled this debt. What are my rights on a debt that has been dormant for this amount of time?
10/29/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	IN 46835	Web	Older American, Servicemember
I received a call last Thursday from XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL. The woman said there was a suit about to be filed against me and used intimidating tactics to try to get me to pay for an old debt that I had paid off years ago. I told her that and she refused to accept that. The call ended into a shouting match and I hung up. I receive these calls several times a year. They result from these XXXX XXXX firms buying old Credit Card companies Write Off lists with consumer info such as credit card company and social security number. They then try to coerce you to pay it off or be sued. They are thugs on the phone! I even had one company in California put a collection on my credit report. I had to contact my State Attorney General to get it corrected on my credit files with the three credit bureaus. I'm sure you know that the Credit Bureaus are very difficult to deal with. Why can't the CFPB do something to stop these predators from operating these scams on innocent people. You can do a XXXX search on the above mentioned company and see all of the complaints lodges against them. Why are they allowed to be in business? XXXX XXXX XXXX XXXX XXXX
04/17/2017	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	MS 39503	Web
I was contacted via my cell phone ( first time ever ) f rom Asset Recovery Associates this morning. I was advised I have ignored their letter ( I have not received any written communications from them in the past ) and they were offering me a one time " deal '' to settle a {$11000.00} debt for an electronic payment of {$1500.00} and {$2400.00} on XXXX XXXX . When questioned I was informed the debt was from a XXXX Credit Card I reportedly defaulted on in XXXX . When asked to provide verification of this debt I was told no and if I did not take the offer the court had already been notified and a judgment would be levied and my wages garnished for up to 40 %. I informed the supervisor XXXX XXXX ( XXXX XXXX ) that " IF '' this was my debt the statute of limitations in Mississippi was three years and he was eleven years outside of that. Mr. XXXX then became irate and called me irresponsible, a bum and a " superthief '' for " taking '' the money from XXXX . Mr. XXXX ten went on to say he would " GAURANTEE '' I would pay the {$11000.00}. I sent him a responding email to cease and desist all contact and the state statutes for time barred debts.
08/07/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 23503	Web	Servicemember
This year on XX/XX/XXXX, my husband and I both received letters from XXXX XXXX XXXXs stating that we owed {$1200.00} to the apartment complex we previously lived in. I called on XX/XX/2018 to ask what the debt was for and then paid it in full over the phone by debit card. It was paid at XXXX XXXX. I was given a confirmation code over the phone and I also received a confirmation email. I was told that we were good to go and that we did not owe any more money and we would not be taken to court. Then a couple of weeks later on XX/XX/XXXX, we received another warrant in debt from XXXX XXXX XXXX for the same amount of {$1200.00}. I called XXXX XXXX XXXX again and asked why the warrant in debt was sent to us. They stated that there was a duplicate account made and they would delete it immediately and we would not be charged or taken to court. I requested this in writing and received a letter from XXXX XXXX on XX/XX/2018 that stated that our account was paid in full. We then received another warrant in debt early XXXX for the same amount of {$1200.00}. It stated that we are to appear in court on XX/XX/2018. We should not have to go to court and want this resolved
01/23/2018	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	AZ 85044	Web	Older American
I have received 2 calls today from a debt recovery company in Illinois. There phone # is ( XXXX ) XXXX 1st cal to me was at XXXX XXXX Az time, 2nd call at XXXX XXXX Az time. Asked for XXXX XXXX, I asked who they were with. 1st call refused to tell me, I said I'm confident you have the wrong person, he was beligerent and I asked why are you so hateful. He made a desparaging comment that I could not understand. I asked him to repeat and he hung up. He was a XXXX male. 2nd call was a XXXX female, she asked the same questions, I told her my dob and it didn't match nor did the social security # she had. I said you have the wrong person, please stop calling me, with that she unloaded on me calling me every name in the book and frankly I didn't understand a lot that she said. Then she called me an XXXX. Remember, I said nothing bu that she had the wrong person and to please stop calling. I then asked her, " did you call me XXXX ''? She said yes and continued with her vulgarity, I told her I was going to report them. She said go ahead and continued her belligerent tirade and then hung up. I am XXXX and I don't need this type of treatment from anyone. Please help
12/10/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 76051	Web
Caller continues to call my cell phone using NO CALLER ID, then leaves a message telling me to call her back ( XXXX XXXX ) at XXXX XXXX because of a claim that has been filed with her office. This is nothing but a scam as I have no outstanding debts and good credit ratings. This is the second time within 3 months they have tried this threatening me with a previous XXXX debt/lawsuit by end of business today, " but would take a few XXXX as a down payment to delay the filing ''. However, they would need to draft my bank account so I must provide them with my routing number/account number. What a joke!!! Please shut these people down before they hurt many innocent people! How do they sleep at night? Also found the following via Internet : Business Contact and Profile for Asset Recovery Associates Name : Asset Recovery Associates Phone : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX Website : XXXX Principal : XXXX XXXX Customer Contact : XXXX XXXX - ( XXXX ) XXXX File Open Date : XXXX 2008 Type of Business : Collection Agencies XXXX Accreditation : Asset Recovery Associates is not a XXXX Accredited business. Additional DBA Names : ARA Inc .
06/11/2016	Yes	Debt collection Credit card	False statements or representation Impersonated an attorney or official	GA 30316	Web
I received a phone call at XXXX XXXX ET on XXXX XXXX, 2016 from the office of " Attorney XXXX '' of Asset Recovery A ssociates, Inc. ( ARA, Inc., phone XXXX ). The call alleged that I was named in a judgment hearing by XXXX XXXX, for a debt that was almost XXXX years old. The person on the phone asked if I was aware of this litigation, which I was not. She then proceeded to say the debt was attached to my SSN ( which she did not give ) and recited my date of birth. She kept repeating the name " Attorney XXXX XXXX '' in response to any inquiry I had, as if that was supposed to scare me into paying on the spot. I told her to send any information regarding this matter to me, in writing, and hung up. While I do not dispute this almost XXXX-year-old debt, I am complaining about the fraudulent, intimidation practices used to try and collect this debt. If I were truly being sued, I would have received formal, writren notification by now. I have also filed a complaint with the XXXX of XXXX Illinois ( XXXX complaint # XXXX ), as an internet search showed that this company had multiple complaints ( XXXX and otherwise ) against it. Thank you. XXXX XXXX
09/17/2015	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened to sue on too old debt	CA 95407	Web	Older American
Received a phone call this morning from ARA XXXX claiming to be a law firm ( XXXX ). Claimed I owed a line of credit to XXXX XXXX XXXX for {$20000.00} from 1992 and that I needed to pay immediately or they would file a lawsuit with the XXXX XXXX Courts and the sheriff would be at my door with a summons. I told them I have never done business with XXXX XXXX XXXX and have never had a line of credit. He said that it has showed up on my credit report for years and many attempts have been made to collect. I told him I have never seen this on my credit and I do not owe the money and that the statue of limitations has already passed. He said I must owe the money because I know of SOL and that he could make a deal with me to settle the debt if I paid now. I once again told him I did not owe the debt - he then processed to talk over me in a very threating manner saying that he was going to file the suit and the next time I hear from then it would be the sheriff at my front door - he then screaming some profanity at me and hang up. I am over XXXX and feel that this type of behavior is getting out of control especially with the senior population.
09/17/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MN 55372	Web
For the past two years or so I've repeatedly been called by people about owing money, they usually say I need to call back or that direct action will be taken or I need to call and review my account or they will take some kind of action against me. I dont respond to their voice mails and the times I've answered I hang up when I find out what they are about. They've called from multiple phone numbers. I recently received a letter ( by mail ) that provided a name, address and phone number for the company that is behind this. This letter is from Assett Recovery Associates, XXXX XXXX XXXX, XXXX XXXX, IL. XXXX. It claims I owe them {$12000.00}. It says I have until XX/XX/XXXX to respond ( the same day i received the letter ) or else they will be forced to take whatever action is necessary and that my credit history will be reviewed. It ends by stating " we believe you have an important decision to make at this time. '' I talked with a lawyer who said under no circumstances should I write or call them and I need to file a complaint because the debt they are claiming is out of date by over 20 years and they are threatening my credit.
06/01/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 94533	Web
I received a call from ARA, Inc. The ARA, Inc. representative started the conversation by stating my name and asking if that was me and then said " I have your social security number ending in XXXX '' and asked if this was correct. I told him I would not verify that until he told me what this was about. He said he knew my whole social security number and proceeded to rattle it off. Again, I told him I would not verify it until he told me what the call was about and he said he would n't tell me what the call was about until I verified my social security number and then he hung up. I called the number from caller ID back, and after being told they have no record of my phone number I asked to be transferred to a manager. I was told by the " manager '' that they were calling about a XXXX XXXX. I told her I did not have a XXXX XXXX. She told me they were calling about a debt from 1996. I told her that debt was written off a long time ago and that they were way beyond the 7 year statute of limitations and that they were clearly a scam at which point the " manager '' told me " we 're about to come after you '' and then hung up.
06/25/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 30043	Web
ARA called my place of employment twice during the week of XX/XX/XXXX and left threatening messages, stating they have an affidavit regarding a debt I owe, and will forward to my employer. I called on XX/XX/XXXX when I returned to work from vacation. I spoke with XXXX XXXX, who was extremely hostile. XXXX threatened to not only send an affidavit to my employer, but to the company which carries my home mortgage. I told him not to call me. He called me right back on my cell number. I dont owe any collections and dont believe the claim. XXXX called from XXXX. He claims I owe XXXX on an auto loan for XXXX XXXX. No account number was provided. He claims the loan started in XXXX and was transferred to different agencies over the years. I dont believe him. I am very easy to locate. My cell number, which is my primary number, has been the same since XX/XX/XXXX. If any of the information XXXX is providing is accurate, debts from this time period would have been included in a Chapter XXXX bankruptcy I filed in XX/XX/XXXX, paid and/or fully discharged as of XX/XX/XXXX. In addition, the statue of limitations has expired.
03/31/2019	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	NY 14609	Web	Servicemember
About a month ago I was contacted by XXXX XXXX XXXX on a debt that is 20 years old. The debt in question is with XXXX XXXX XXXX with whom I have two lines of credit currently open as of 4 years ago and in good standing. The call was received about XXXX in the XXXX and they stated unless I payed 10 % by XXXX because they said they would be closing at that time further action would be taken. I am a XXXX XXXX and was at a loss as I do not recall this account ( at the time of the call or to this moment ) this really came out of the blue. I work hard to maintain my bills and my credit rating. They pressed real hard to the point of mentioning my lines of credit and my ability to pay. I did ( stupidly ) pay the 10 % for which the balance was due in 10 days. I feel I went into this under duress. I contacted counsel and was told that the statue of limitations had expired on this. On XX/XX/XXXX I came home to a XXXX stating that unless the balance of {$3900.00} was paid by XX/XX/XXXX they would file a report with the credit bureau. Please help and advise me of my options. XXXX XXXX XXXX XXXX XXXX.
08/12/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Sued w/o proper notification of suit	WI 53149	Web	Servicemember
I attempted to notify the person calling of a change of address and they told me it is not their job to keep that information. They were supposedly sending information to an address that I have not lived at for 10 years. My family is receiving threatening phone calls and i have received emails threatening to take my exempt income, lose my job, seize my retirment fund and so forth. I tried to speak to a supervisor who told me the same thing, that it is their job to basically hunt me down, not help me. They were threatening to file papers with XXXX XXXX and again I asked to provide a new address and they refused. I received no bills from a collection agency in reference to this matter and I asked for them to mail me a copy, and they refused. They said they made an offer and I refused it, which I did not, I asked for them to speak to my mother and instead they refused to work with me or her. She tried to talk to the supervisor and he was very rude and hung up on her. To date I still have received no copies of bills, only harassing phone calls to my family and threatening phone calls to myself.
09/12/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	CA 95822	Web	Older American
Today, XXXX XXXX, XXXX, I received a call from Asset Recovery Associates XXXX XXXX XXXX stating that a credit card from XXXX XXXX with the last numbers XXXX has a past amount due - at the time, XXXX XXXX, XXXX, was {$4900.00}. They said they sent letters - which I did n't receive- and called me and left messages, which I did n't receive. Then they gave me a case number : XXXX, a phone number XXXX XXXX XXXX XXXX ext XXXX, XXXX XXXX. she told me my social security number, which credit cards I have/use, my address, my old address, my name prior to divorce, and the names of credit report organizations to call or write to about my credit. They they gave me XXXX options to pay off the debt : XXXX XXXX pay full balance or XXXX ) settle out of court with my bank. They said I could make a down payment with my XXXX XXXX credit card ( which I did XXXX for {$500.00}. and that I would receive paperwork tomorrow in overnight delivery and then go to my bank and make payment arrangement with XXXX XXXX. This balance was less because they gave me an out of court settlement {$3800.00} with {$500.00} less.
09/26/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	IA 516XX	Web	Servicemember
XX/XX/XXXX My ex-husband told me he received a phone call ( voicemail ) referencing his date of birth, and saying they were looking for me for check fraud and his name was associated with the fraud. We have been divorced since XX/XX/XXXX. XX/XX/XXXX I received a voicemail from a Ms. XXXX, who claimed to be a " Licensed Locator '' in XXXX XXXX County. She said she had papers to serve me at my residence, referenced an address I have not lived in in more than 3 years. Then stated that if I could not be served at my home, they would have to serve me at my place of employment. It was suggested that I, or an attorney should call the " Plaintiff 's '' office. When I did call the number and give the referenced " Case '' number, I was told that was not the correct number and that they could not control who the locator called and what was said to whom. The company was ARA, and the individual I spoke to claimed that it was not an acronym, that 's the name and would not give me a mailing address. He did not give me further information because he said that I had an incorrect case number.
12/08/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MN 553XX	Web
I received a call from Asset Recovery Associates, XXXX. XXXX XXXX, XXXX XXXX, Il XXXX. There phone number is XXXX XXXX XXXX Initially they represented that I was the beneficiary of a class action recovery involving XXXX XXXX. I informed that I have never had a XXXX XXXX nor aware of any details and therefore not involved. Their conversation pivoted and they claimed that I owed over {$15000.00} and had not responded to a previous letter. I informed that I have not seen their previous correspondence and that I had no account relationship with XXXX XXXX and I had nothing more to say and on this topic. I received a letter from XXXX XXXX dated XXXX/XXXX/XXXX demanding payment and insinuating that they would report derogatory information to the credit bureaus if the account is not paid in full. Additional Information - See Photo of Collection Letter - The account referenced is XXXX XXXX - XXXX XXXX, Account # XXXX, Balance {$15000.00}, Asset Recovery Associates # XXXX My Name is XXXX XXXX, I reside at XXXX XXXX XXXX, XXXX Mn XXXX, phone XXXX XXXX XXXX, email XXXXXXXXXXXX
12/08/2016	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened arrest/jail if do not pay	KY 40324	Web
I got a call from XXXX asking to speak with XXXX XXXX. That is me so I confirmed. They told me they were with ARA XXXX and they were calling to notify me that a federal judgment would be filed against me for the debt I owe XXXX on an unpaid credit card balance. I told them I have never heard of that bank and do n't have a credit card with them. She asked me if the last XXXX of my social were XXXX and the numbers she gave were the last XXXX of my SSN. I said okay and the call was disconnected. I tried to call back and got the run around. They asked to look me up by my SSN but I would not give it to them. She asked what city and state I live in and was able to " find my account '' that way. She then read me all of my personal information. My full name, DOB, and SSN. She said that I had a federal judgment that was going to be filed and a summons to appear in court or a warrant for my arrest would be issued. She then told me she was only a receptionist so she would have to transfer me to the legal depart. I was then put on hold and nobody ever picked up.
06/12/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 95376	Web
We began receiving phone calls at all hours from the company XXXX XXXX XXXX around XX/XX/XXXX of this year,XX/XX/XXXX They would hang up on us when we asked who they were. I received a letter from them on XX/XX/XXXXstating I owed for a supposed account and a stated amount. I do not owe any outstanding debt and my credit is very good. I received another phone call this morning XX/XX/XXXX. The lady told me that there was a " claim against my social security ''. I told her she was wrong and she hung up on me. I called back and spoke to a manager. He stated He was going to see me in Court because I don't pay my bills. These people are breaking the law and violating the FDCPA by representing themselves as lawyers and threatening legal action on a debt that probably is 15 years old. I have no current issues with unpaid debt and haven't for over 15 years. These people call and make false statements, hang up on us and threaten legal action. I am sick of these people breaking the law. We would appreciate very much your assistance. Thank you.
08/31/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	VA 223XX	Web
On XX/XX/18 I noticed a missed call from XXXX. I am seeking new employment so I returned the call. The call was answered by XXXX XXXX who said good afternoon ( it was XXXX XXXX ET ) who said he had an affadavit for XXXX XXXX ( my maiden name, hasnt been used in 20 years ). XXXX says he needs to refer me to XXXX XXXX because my case has " red '' all over it and another department handles this. He recited my current county and SSN which was alarming, he said the call was regarding a credit card account that was removed from my credit report because it is over 7 years old but to avoid a judgment for the {$3700.00} I could pay {$1500.00} today to avoid legal action. At this time another call is coming from an Ill number, I switch over to answer and its XXXX XXXX from ARA with the same request stating I am in breech of contract with an old XXXX XXXX account and to avoid legal action I need to pay. I informed him I would contact my attorney and need a number XXXX xt. XXXX. I asked them not to call anymore and send the request in writing.
04/06/2016	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	LA 710XX	Web
I am being contacted by a collection company. I was at home when the call came in today. I answered. They told me who they are and they are trying to collect a debt for over {$3000.00}. They say I took out a loan with XXXX something, I ca n't remember what the XXXX word was. I have never taken a loan out with this company. I asked if it could have been through someone else years ago and the contract was bought out. The original caller said I do n't know and transferred me to legal. I again told her that I had never taken a loan out with that company. What company did they buy the contract from. She started telling me they have something from XXXX XXXX?. I said that 's not what I 'm asking. I want to know who I owe. I 'm not just going to send you money. I asked her if they have anything with my signature on it. She started telling me I owe XXXX XXXX. Again, I asked her do you have anything with my signature on it? Her response, " Go to court! '' and then she hung up. I 'm not sure what I 'm supposed to be going to court for.
07/27/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 75070	Web
ARA, INC. in XXXX XXXX, IL .... sent me a letter saying I owed {$610000.00} ... .on a credit card debt that was dismissed during a bankrupcty in a case that started in XXXX ... ..got a letter in the mail on XX/XX/XXXX ... said they were trying to contact me for years ... this was the first letter I have received ... The said they were going to sue me and get a judgement on everything I own and attach my wages ... .. I called them and they said they would accept {$3100.00}. I am XXXX years old and I do n't want to be sued ... .did n't realize at that point it was included in a bankruptcy that was filed in XXXX ... I paid {$300.00} to them upfront and said they would not sue me if I paid the balance in 10 days.. after that, I realized that it was included in a bankrupcty .... I called back and talked XXXX XXXX was screaming at me, said now the entire amount is due ... .she hung up on me ... I was just trying to determine what this was about ... I have copies of my bankrupcty papers ... which includes the XXXX XXXX credit card ...
05/27/2016	No	Credit card	Delinquent account	TN 384XX	Web
I received a voice mail from " XXXX '' with Asset Recovery Associates and was advised to call XXXX regarding a complaint to be filed against me, complaint # XXXX. I called back and spoke to a lady representing XXXX and they are debt buyers of a debt in incurred in 1998 with XXXX XXXX. ( I do not recall such a debt and currently have an active XXXX XXXX that is not delinquent. ) Unfortunately I did not get the name of the lady to which I spoke. She did not provide the mini-Miranda during our conversation and kept claiming she was n't " personally '' attempting to collect the debt, only her employer was attempting to collect the debt. She stated a judgment was going to be filed against me in XXXX XXXX, TN ( where I currently reside ), however, after I questioned regarding the legality of the statute of limitations, she claimed she was just asking for a statement from me regarding the balance and denied a judgment would be filed. This business seems to be preying on the least sophisticated debtor with illegal collection tactics.
11/02/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	MN 55433	Web
I received a call today from a XXXX XXXX from Assets Recovery and Associates. The call came to my cell phone from XXXX. Said XXXX County is going to sue me on behalf of XXXX. I asked for something in writing from him he said no and that I owed over {$10000.00} from 2002. He kept repeating my address and county and the last for digits from my SSN. Telling me he was going to sue me if I did not pay to settle the debt. He said he has all my personal information about me and has my credit report. They were suing and putting a lien on my credit report and house. They said this is on my credit report, but I just looked at my report in the last month and there is nothing on there. Refused to provide any information in writing to me. I believe this violates the FDCPA. While he was lecturing and yelling at me on the phone i did a XXXX search and it appears that there are complaints all over the country. The state of Washington appears to say this could be a scam. An attorney blog states they are doing illegal practices.
10/12/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	UT 84010	Web	Servicemember
I was contacted by XXXX XXXX of ARA in XXXX/XX/XX/XXXX regarding a debt, unknown to me. I replied with a letter dated XX/XX/XXXX requesting documentation of said debt and never received further communications from ARA until XX/XX/XXXX when I believe ARA phoned my house and informed my son that they had and read to him my social security number. However, when he requested that the caller identify themselves, they refused. Today, XX/XX/XXXX, I received the same letter that I received 10 years ago, also from XXXX XXXX, insisting that I owe {$15000.00} for a debt that I do know nothing about. Ten years ago when I received this letter, I phoned XXXX XXXX ( now XXXX ) regarding the debt, which XXXX XXXX claims that I hold. At that time, they informed me that they have their own in-house debt collection, which makes XXXX XXXX 's claim highly dubious. I have requested documentation and never received it, and they are persisting in contacting me again which is a violation of the Fair Debt Collection Practices Act.
05/24/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	KY 400XX	Web	Older American
Today, XXXX XXXX, 2016, I received a letter from ARA, Inc. stating that I owed them {$23000.00} for a debt that I did not incur. I called them immediately and was asked by their representative, XXXX XXXX XXXX, if my social security number was XXXX. I stopped him after the third number and told him it was not me. He then proceeded to tell me, " according to the Federal Social Security Database, that I am related to him. '' He then proceeded to tell me MY social security number and maintained that IF it was truly my s.s. number, that I had to be related to the other person with a name that happens to be identical to mine. I have a seven-year fraud alert on my credit report and he acknowledged that he saw that when trying to find his debtor. My question is : how is it possible that he gets my social security number when I have done nothing wrong and is able to threaten me with a bogus letter? Further, how can he lie about a Federal Social Security Database that tells him that his debtor is related to me?
07/12/2016	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	TX 782XX	Web
I have been receiving constant calls from a private number, when i finally answered they asked to speak to me. I did acknowledge and began to listen to the reason for their call and started to get scared. They used threating and harrasing statements. I tried to get information about the debt I supposedly owe from 2012. They continued to threaten me with legal action, and very aggresive over the phone. Represenative started listing all my past addresses and phone numbers saying i could easily be located and sent to jail. I disconnected the call and i called back and asked to speak to a supervisor and the guy who took my call raised his tone, threathing me if i didnt take care of this matter i would have legal action against me. All of this was going on while i was still trying to figure out what debt it was. I have been ignoring their phone calls and they started to call my family members scaring them that it is an emergency for me to call them immediatley or legal action will be filled against me.
08/08/2017	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	CT 062XX	Web	Servicemember
My ex-husband texted me because a company called his wife regarding me. They stated I committed check fraud and her name was associated with my account and gave her date of birth and stated if they knew information about me to have her attorney contact them. I have a copy of the message. I called the company and they stated I committed fraud because I set up a payment arrangement within the last 60-90 days with a company called XXXX for a debt and it did not go through my bank account. I asked what the debt was and they told me once I made my first payment they would send the information. If I did not call them back by XXXX EST they would proceed with legal action. I have never received any information of a debt and the company XXXX is unknown. They never told me any more information. I asked them to stop contacting people and contact me directly and I want information on this debt. I had to end the conversation and they state if I do not contact them by XXXX today they will seek legal action.
05/30/2018	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 75503	Web
Last thursday XXXX XXXX. Called my cell from phone number XXXX exXXXX saying I had 2hrs to call her back are charges were going to be filed against me so my boyfriend calls me at work and and relays the msg to me so I call her And she ask if I recall XXXX and I said yeah but that was yrs ago long story short she wanted me to pay XXXX plus for the loan I got years ago I told her she would have to wait til Friday so she ask for a card number which me not thinking at the time I gave her my card number but told her I would have to make payments every two so then later on after I got off the phone and I got to thinkingwhy did she need My card number so Friday came And My bills come off my card and she called my job and said payment didn't go though I told her I gave her the wrong card number so she asked for a different one. So today XX/XX/XXXX she has. Called myjob twice. And I have ask her not to call and send. Me paperwork and I would gladly make payment arrangment I think she. Is scaming me
01/31/2017	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	GA 30101	Web	Servicemember
I have received a few phones call from a company that refers to themselves as either " Litigation department '' or XXXX XXXX, attorney of ARA division. They 've contacted me regarding a credit card debt that is over 15 years old, I believe. I 'm not sure what the debt is. As a victim of identity theft, I 've ask them to identify the debt and provide me with proof of this debt since I 'm not certain that it was me. I asked that this information be mailed to me. When I asked for information, the female representative accused me of being a liar, used foul language, threatened me with court, and hung up on me. I called and back and spoke with gentleman, who immediately took an aggressive tone with me and I thought it was best to end the call at that point. Now, I 'm getting garbled voicemails that state they are filing an affidavit against me. If the company can not provide this information, I will not pay it. To simply call someone up, claim they owe money without provide proof is absurd.
09/13/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 32127	Web
On XX/XX/18 at XXXX XXXX received a call from XXXX - XXXX XXXX XXXX on my cell number XXXX asking for my ex-husband ( I've been divorced 7 years. ) I mistakenly said that's my ex-husband and I have not talked to him in years ... I do not have a number or way to get in touch with him. They then said ... you are on this credit card. I knew that was a lie as I had never signed anything joint with him at all .... They said it was around {$15000.00} and they'd settle my portion for {$2300.00} if I would settle that day. I refused. I said I wasn't responsible for that. They threatened to freeze my bank account and garnish wages. I said " before you can do anything ... send me in writing anything that I signed or shows that I am responsible for this debt. '' They asked me to give my home address. I told them I'd give my work address as I was not giving them my personal info. He said " Oh we'll find you. '' I have not heard from them since I told them I was recording the call. ( I wasn't. )
08/31/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CT XXXXX	Web
ARA continues randomly harass my family. Talking to my mother in law and others not authorized to speak to. They call and say I owe money from an old XXXX account. I have never had a debt which went to collections or charged off. I contacted XXXX who has granted me a large mortgage and credit cards after this supposed charge off. They could not find any account which was EVER delinquent in my name or social security number. It has been ongoing for years. ARA threatened in the past to contact my employer and want to serve papers. They also are now using a fake caller ID which says XXXX. They also continue to check my credit report without authorization so that they can get my new phone numbers and address. In any event I told them to serve me papers to settle it in a court of law in connecticut. They have been also made aware that even if I did owe money ( which I do n't because I never opened this account or was late ) it would be well beyond the statue of limitations in my state.
03/07/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	PA 19013	Web
I recently have been receiving phone calls from a collection agency called XXXX XXXX XXXX stating that they purchased my debt for a credit card from another agency. I haven't received any letters or notifications on any attempt to collect this debit. In addition the person that I spoke to a XXXX XXXX stated that they have been mailing the letters/notices to me for the last 8 years to me but the address they had on file was incorrect as I have not resided at the said address for 8 years! In addition Mr. XXXX threatened me and stated that they were going to take me to court and that they were going to garnish my paycheck immediately if I did not give him by banking information to start making payments. I checked my credit report and did not find anything that is in collection or past due. I have also checked into the company and have seen several statements made that they are scamming people into paying for debts that are either several years old or that they do not even owe!
12/05/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	SC 29642	Web
Contacted at my place of employment XX/XX/XXXX, by a Mrs XXXX at ARA, XXXX XXXX XXXX XXXX. They advised me they were calling to collect on a debt from XX/XX/XXXX, which is 25 years old. They refused to give me any info, other than the name of the original creditor, and the supposed amount owed. I told them not to contact me at work anymore, and that the statute of limitations expired for the State of SC 18 years ago. They were extremely ride after I stated this, threatened that they will garnish my wages, and have me arrested. I also have a phone recording of the conversation. I am sending them a certified, return receipt little advising then to not contact me any further and that the statute of limitations had long expired. I was advised by my attorney to do so. It's also very disturbing that this company has my personal info, including my SSN. They ran a soft credit check on XX/XX/XXXX to get my work information. I did not give them permission to do so, obviously.
05/16/2019	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 789XX	Web
I received a voicemail message Thursday, XX/XX/2019 at XXXX XXXX from a man who did not identify himself but said he was calling on behalf of XXXX XXXX with ARA, Inc. He left the number XXXX and extension XXXX for a return call and included the case #. When I returned the call to inquire about the purpose of the call he said that it was about a XXXX [ which I do not have, nor have I ]. When I told him I don't have one he said that I do and then started listing off the last 4 of my social, large portions of other credit card numbers and said that I would soon loses access to these cards and to my bank account ( s ). When I tried to verify the phone number to give to my attorney he accused me of using stall tactics. When I asked again to verify the phone number for the attorney, he hung up on me. I called my credit card companies directly to inquire about my accounts and was assured that all was in good standing. I feel that I was threatened over monies I can not owe.
03/15/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	FL 33496	Web
They are calling and harassing myself as well as family members saying I committed check fraud on a payday loan. I have never taken a payday loan on line.Threatened me with arrest and then claimed that they will see me in court. The call comes from an unknown number. Messages left to call this company ARA XXXX XXXX XXXX. They spoke with my brother a woman named XXXX XXXX saying I committed check fraud. That is also the name left on my voice mail and my daughters stating I committed check fraud. I called the rep no name given refused to send proof said I would see it in court. Then transferred to legal dept supposedly but he answers as the office manager. Spoke with XXXX XXXX who called me a thief told me maybe I should close my mouth. Tried to get me to confirm my social and checking. Gave past personal information address and checking account number as well as an email address none of these in use for several years and tried to threaten my family with legal action.
10/19/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	AL 351XX	Web
I received a letter from ARA, Inc in the mail on XXXX XXXX which was dated XXXX XXXX. I called them on today XXXX XXXX in which I asked who was the original creditor because the original creditor listed was XXXX Bank in which I never had an account with. So, the gentleman start naming other creditors names such as XXXX and XXXX. I informed that I never had an account with any of those and for him to send me a copy of the original creditor with debt owed. Then he states the orginial debt was active from XXXX and became active again in XX/XX/XXXX.He then proceeds that was an error listed on the letter in which I can not obtain the orginial creditor information and that we are going to sue you and garnish your wages. I also informed him that the last name listed for myself has never been used since XX/XX/XXXX as a child. So, he proceeds to say, we are going to sue, have a good day, and hung up the phone abruptly. Therefore, I dispute the validity of this debt.
11/23/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	CA 94070	Web
ARA Inc. called claiming to be collecting a debt from 2005. They claimed to have mailed me documentation and were threatening to sue me and report my unpaid credit card debt to damage my credit. I explained the account in question was not mine and I never received and information from them. They continued to transfer me between each other and very aggressively continue to threaten to sue me unless I agreed to pay. When I hung up with them I was able to look them up with the XXXX and learned they had over XXXX complaints filed against them for their tactics. I also looked up California laws which not only state the statue of limitations for collecting debt to be 4 years, it is now over 11 years since the alleged debt, but they must legally mention that they can not force me to pay or report it because of expired statutes of limitations. Not only did they not mention that, but they illegally threatened to sue and report the debt to ruin my credit.
07/16/2018	No	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	FL 32119	Web	Older American
XX/XX/XXXX I rec 'd phone call from " unknown '' who turned out to be XXXX XXXX XXXX out of Illinois trying to collect a debt that was not my husbands debt, but his ex-wife 's. My husband never had a credit card in his name until XXXX. They told me, if I did not agree to the terms and give them a 'good faith ' payment today, they would garnish my husbands paycheck and put a lien on my car. Of course I got upset, not thinking straight and paid them {$100.00}. After further research on my part, I realized that this was a scam to collect an old debt. I called my credit card company, told them I was scammed, and that I need to cancel the card. This company has over 100 negative complaints against them on XXXX website, all complaints are about the company trying to collect on old debt. Then I realized that the last know activity on the account is from XXXX. I am awaiting a letter from the company. They stated they would be mailing me out one today.
06/13/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	WA 98107	Web
I received multiple calls from an unknown number, which I did not answer. When the caller finally left a voicemail, she called herself XXXX XXXX, but did not identify her company. She told me to call back at XXXX XXXX as my 'case ' was being sent to XXXX XXXX. The same people then called my husband at his place of work and said they were trying to collect on an old credit card of mine that was written off over 10+ years ago. He said they were in violation of consumer protection laws by contacting him and told them to stop calling. The woman said she would mark this as a refusal to pay and claimed her company sent a letter, which I never received, in XXXX 2016. When I typed the number she gave into a search, I found several complaints about ARA XXXX, supposedly based in XXXX, IL. I contacted an attorney, who told me I need to get the company 's mailing address to file a law suit. He also told me to contact the FTC, which led me to this site.
09/28/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	MD 20874	Web
I received a message indicating that a complaint had been filed against me. The caller did not state the company name and only gave her name as XXXX XXXX. When I called, it took XXXX attempts to get her to identify the company and give me the mailing address. XXXX XXXX said that it was a complaint from XXXX Bank, a bank have not done business with in over 15 years. I explained that I settled my accounts at XXXX over 15 years ago and have no debts with them. XXXX XXXX said that if my social security is XXXX XXXX XXXX then the complaint is against me and they will take action. I would not verify my social security number, and I asked for their Maryland XXXX number. When she asked for clarification, I explained that I am a resident of Maryland that Maryland licenses collectors, and I needed ARA 's license number to confirm that they can legally do business in Maryland. She asked me to hold, and left me on hold until the call disconnected.
04/12/2018	Yes	Debt collection Payday loan debt	Communication tactics Used obscene, profane, or other abusive language	TN 370XX	Web
They call me first XX/XX/XXXX and XXXX XXXX leave me a voicemail threatening me that they going to put me to jail. I call them back and asked what it is about. XXXX XXXX told me that I owe {$700.00} which is as far as I know only {$480.00} harassed me that if I don't give them at least {$50.00} that day. She threatened me that she will put me to jail. Without doing any research or contacting my lawyer I give them my card number, they took out {$50.00} that day. I don't want be in jail especially I'm willing to pay my debt. So, I contact my lawyer and we do a research. My lawyer found out that the phone number is a scammed and warned me to stop the payment. Since XX/XX/XXXX they calling my phone non stopped and leave me a Threatening voicemail using a restricted number. they also used a robot to leave me a threatening voicemail. This company had to stop. I wouldn't mind paying my debt but I will only going to pay it on a legit company.
02/14/2019	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	OH 44052	Web	Servicemember
I received a call XX/XX/19, at XXXX XXXX to my do not call or text cell phone ( XXXX ) XXXX from a caller ID hidden number. The caller represented herself as member of the XXXX County District Court. She requested that I have a relative call her immediately regarding a fraud case and told me that my son XXXX XXXX XXXX as well as me, XXXX XXXX XXXX may be called to the court in the fraud case. She told me to have the relative call XXXX ext XXXX and gave me the name XXXX XXXX. I called the number given and connected to a voicemail. I told them I would be reporting XXXX because of the misrepresentation and they have no right to contact me regarding a debt collection that is not mine. I directed them not to call me again. Almost immediately, XXXX called me again, twice, which I did not answer. I was left a voicemail to call them and talk. XXXX reported the true phone number as XXXX. I have kept the 27 second voicemail from XXXX.
07/15/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	MI 48154	Web
For the past two yearsAsset Recovery AssociatesPhone : ( XXXX ) XXXX Box XXXX, XXXX XXXX, IL XXXX XXXXww.arainc.usHas been calling myself, family and third parties at my employment threating regarding a debt not owed. This might be identity theft. However they will not respond to repeated demands to stop harassing. This has escalated to blatant fraud on their part by pretending to be calling from court clerk and local police using an APP that fraudulently shows the phone number of those agencies. I have contacted those agencies to verify that no messages where sent from those numbers. The main complaint is that they are contacting myself, family members and persons at my employment for debt not owed, will not provide details on the alleged debt when asked, threaten that the police are on their way etc. I believe these tactics go beyond civil infractions to criminal fraud by impersonating government employee 's and agencies.
02/07/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 90048	Web	Servicemember
A collection agency called my work cell phone in the middle of my work day to advise that I owed XXXX XXXX over {$3000.00}. I have never had an account with XXXX XXXX. I asked them to clarify and they said they had an affidavit that it was my debt that started in 1993! They read off my name and social security number and I said that is not my debt and I don't have anything in writing from them. I asked them for back up on this debt and a copy of the affidavit as this was 25 years ago I do not have any back-up. She collector named " XXXX XXXX '' refused and said she would forward to her attorney 's for further action. She also threatened to call my current credit card companies and have my accounts cancelled and destroy my credit which is good as I just leased a car. Not only do I think this is illegal but harassing and I would actually like to sue this company. The company is call XXXX and the phone number is XXXX.
08/18/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NV 89015	Web	Older American, Servicemember
ARA Inc. contacted me by phone on XXXX. I was on vacation with my family so said I would contact them when I returned home. Upon arriving at home on XXXX I found letter dated XXXX/XXXX/XXXX. I called again and talked with XXXX XXXX. She told me they had contacted my ex-wife and my credit union which I checked later and found they were all lies. They refused to provide me with any documents showing I had taken this loan out. They were referring to a loan with XXXX XXXX supposedly taken out by me 20 years. This was reported 20 years ago as identify theft with a letter from the person that took out the account. They said I owed {$25000.00} and with interest and penalty it was over {$65000.00}. They would settle for {$7000.00} + and after later talking offered to settle today for {$6000.00} +. If I did n't they would take me to court for collection of the full amount. I told them to go ahead and I contacted my lawyer.
12/29/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	UT 84121	Web
I received a telephone call from a company who say they are mediators. There name is ARA. They left a message on my voice mail. I got a call from my ex husband who I have not spoken to in over 20 years. The voice mail message he got was the same. The message is saying that I had committed fraud. Message ... I am calling to take action for defendant by the name of blank. Date of birth XXXX XXXX XXXX. This is XXXX XXXX XXXX (? ) XXXX making contact with you from the processing and summons division out of XXXX XXXX XXXX XXXX in reference to a complaint filed regarding fraudulent activity link to your name and social security number. I was unable to reach you by phone etc. When I called them they would not tell me what I wanted to know and were very rude. They had no legal right to contact my ex husband. My sister said she also had a call and said she felt it was a scam. The phone number that called us is XXXX.
09/25/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	PA 19082	Web
A debt collection agency by the name of Asset Recovery Associates contacted me in regards to a credit card I had in which last payment was made in 2005, so they say. They threatened legal action against me stating liens on my new car, bank accounts, credit cards etc. I got scared and asked for more info. They stated I owed over {$6000.00} but would settle for a little over {$3000.00}. I said i remember having a credit card when I was younger but had a limit of {$1500.00}. The man from the collection agency then said he would settle at {$1500.00}. I thought that would be better so I made a smaller payment of {$150.00} to them and they want the rest by XXXX XXXX. I 've been reading about debt collection and my rights and I now believe I was stupid to make a payment since they could n't sue me due to statute of limitations. They threatened to sue me to get me to pay and I believe this to be illegal.
07/20/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	CA 92703	Web
I have recieved multiple calls from ARA Incorporated out of Illinois. They call from XXXX. She reads off my entire social security number then tells me I owe XXXX or Household {$2700.00} from an account that was opened in XXXX and I stopped paying in XXXX. I told her it is not on my credit report and I do not owe that money. She said they have mailed me letters 3 times but I never received them. I asked to to read me my address but she would not and I did not give it to her. Then she asks for my email but I did not give it to her. She then said I owe the debt and since it is passed the Time Barred that she will take me to court and get a judgement on my credit. I do not owe this debt. And if I did from so long ago my ex wife filed bankruptcy Chapter XXXX in XXXX to start fresh. They even told me that under FTC laws they bought the debt legally and can call me anytime to try to collect.
03/21/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	PA 190XX	Web
I was contacted by XXXX XXXX XXXX , Inc. under the pretenses that I had a student loan that was deliquent with XXXX XXXX. The amount claimed was $ XXXX. The representative rattled off several of my current accounts, my email address, address, and then said that I couldn't escape from a student loan and after reading me my XXXX XXXX account number said they would start action. When I asked for more details I was badgered about avoiding my debt, trying to use tactics to change the subject, an insistence that I couldn't walk away from my student loans. I proceeded to dig more, called back and spoke to a supervisor XXXX XXXX. While not as aggressive or misleading about my the debt did say that if the opportunity arose the firm would look to bring action. The debt in question is from XXXX and went delinquent in XXXX. This is the second time in three years this group has contacted me.
09/17/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	XXXXX	Web
Repeated phone calls from Asset Recovery Associates - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and specifically XXXX XXXX, about false bad credit card debt. Mr. XXXX states the debt is owed to XXXX or, alternately XXXX XXXX ( he changes the listed creditor so I'm unsure exactly who ) in the amount of {$2800.00} from 2005, though he will accept settlement for {$1000.00} less. I have no outstanding credit card debt and have verified via XXXX credit report. I advised Mr. XXXX that I have no outstanding debt, and even if I had the statute of limitations for collections has long expired. XXXX XXXX has repeatedly threatened legal action. Mr , XXXX has also repeated my Social Security Number to me, giving cause for concern that he may have unauthorized access to and inappropriate use of my PII. I currently live in XXXX ( my husband works for the US military ) and have for 4 years.
08/03/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 91601	Web
On XX/XX/XXXX my wife received a phone call ( on her personal cell phone-my name isn't on it ) from ARA regarding a XXXX credit card from the XX/XX/XXXX 's they are claiming I am responsible for paying. They told my wife that because the interest was still accruing the card was still active, even though I had made no payments in well over the 4 years covered by the statue of limitations. They threatened to jeopardize our cars and her credit cards just because I am a authorized user. They also claimed they were about to file with the XXXX XXXX courts. I sent this company a request for validation letter in XX/XX/XXXX, and no response was received. This company tries to collect every time we move. They told my wife that because now we have plenty of money we should pay this. They also told my wife she should not be angry because they called her, because " you married the man ''.
07/28/2016	No	Debt collection I do not know	False statements or representation Indicated committed crime not paying	TX 751XX	Web
I was contacted XXXX/XXXX/2016 on my cell phone by a XXXX XXXX stating he was employed by XXXX XXXX Attorney at Law, he said this was concerning a XXXX County, Texas case XXXX and if I did not give him my sons information a XXXX County Sheriff would be dispatched to his home. When I said whose home his said your son 's. It was then that I realized this was not a real situation, I was terrified at first. I told this person I was not discussing this with him further and he became agitated, stating I had not raised my son properly and that is when I hung up. Today, my husband received the same kind of call at our residence. He hung up. I called the number provide by this XXXX and told him to stop harassing me and to remove my cell and home number. He was as ugly as before and he hung up on me. I researched online and saw this is a collection agency called ARA Inc. out of Illinois.
09/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	CA 902XX	Web
I am writing on behalf of our business, an auto dealership, regarding harassment by a collection agency which arose out of billing errors on old invoice for transport services. Accounting needed to verify appropriateness of old debt invoices that were sent almost 2 years after the fact and paid all old invoices directly to the company. A balance remained that was being investigated and company referred the matter to collection agency with no notice to our company. Debt collection company claims entire amount assigned to them by other company including amounts already paid directly. Refused to investigate actual amount in dispute, threatened and harassed comptroller and contacted the undersigned using the foulest of language, screaming and repeated calls after written notification that the amounts were in dispute, to return the debt to the maker, and to cease all harassment.
04/04/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 94568	Web
I received a letter out of the blue from XXXX XXXX XXXX XXXX XXXX IL telling me I owe XXXX. WOW! I don't even have a XXXX XXXX XXXX credit card or account. I absolutely do not owe this XXXX I called to try and get to the bottom of this. They started putting me down and tried to make feel like I was some criminal for not paying my bills. Did some research, they have been reported A Lot for their scam. Why is this company still in business? How are they able to have a business license? What is this world coming to? Do States and cities need tax $ that much to allow such business 's to exist? I received this letter on XX/XX/XXXX and respondedXX/XX/XXXX andXX/XX/XXXX. This place should be investigated and closed down! I DO NOT WANT THIS COMPANY TO HAVE ANY PERSONAL INFORMATION I GAVE YOU! SUCH AS EMAIL ETC I DO NOT WANT ANY FURTHER MAIL OR CALLS FROM THIS COMPANY
10/07/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NE 68801	Web
Was called by ARA Inc and was told I owed them over {$3000.00} from a XXXX XXXX XXXX account. I informed them this was an unvalidated and very old debt, past the statutes of limitations. I was told that was this was an unsecured loan and that they we 're not a 3rd party, but the current owner of the debt, so statute of limitations did not apply, and I would need an attorney to get this stopped. I informed them, if I needed an attorney, they would be paying the attorney 's fees.This conversation was on XXXX/XXXX/XXXX, the phone # was XXXX XXXX XXXX. They hung up on me, I called them, and was told not to call them back, and they hung up on me again. Today I received my first letter from them, dated XXXX/XXXX/XXXX stating I owed them {$3600.00}, due in full. This is after being informed not to contact me again, as this was an unvalidated and out of limitations debt.
08/14/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	UT 84043	Web	Servicemember
XXXX XXXX. sent a " collection '' letter to me dated claiming that they have acquired from a creditor named XXXX XXXX and that I " owe '' a total of {$1600.00} due immediately. I made contact with XXXX to inquire on this debt as I have never had an account with XXXX XXXX, Have no idea who XXXX XXXX even is and I do not claim this debt as my own, nor does this show on my credit. The male that answered the call was disgustingly rude, read me all of my PPI and flung profanities at me saying he did not care what my profession was and didn't care that I was disputing this debt and that he would get this money one way or another and hung up on me. After reviewing reviews over this company is has come to my attention that they attempt to scam people often and I hope they can be stopped before a naive person sends them the money they are requesting and may not owe.
12/16/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	LA 71112	Web	Older American
A representative from the Asset Recovery Associates called me and claimed to be representing a bank XXXX XXXX Bank XXXX to collect a debt that they said I still owed. They threatened me with a lien and to ruin my credit by having it cutoff. This debt was discharged in my bankruptcy in XXXX of 1992. I have been careful to keep all my accounts paid and in good standing since then. I do not owe this debt but ARA scared me so that I agreed to pay. I have since learned that it is illegal to go after a debt that has been discharged. I stopped the payment from my credit card but ARA continues to try to call me to collect. This debt must have been purchased from the bank because ARA had my complete list of prior addresses, social security number, and present list of credit card accounts and numbers. This company is engaging in illegal business practices.
10/16/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 77530	Web
XX/XX/18 XXXX XXXX from ARA called my daughter and told her about a debt that I owed. After she requested that he send something to validate the debt to her email. He sent a settlement contract which was only one sheet of paper and a certificate of license from Illinois. She called him again and said that's not what she requested. She asked that he validate the debt so we can settle the matter. He said she can request a validation all day but that I owe this money. He gave her my full social security number and told her that I had enough assets and would not claim bankruptcy. Finally, she told him, I just want you to validate this 11 year old debt you're claiming he allegedly owes. He said I will see you in court. I was nowhere near my daughter at the time to authorize him to give her such information, especially my full social security number.
04/05/2017	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	NY 109XX	Web
On XX/XX/XXXX I was contacted by ARA Inc out of XXXX XXXX IL, The representative advised me they were trying to collect a debt I owed from a Visa card opened in XX/XX/XXXX to XX/XX/XXXX. I advised the representative I have no old debt outstanding, I was then told it was on my credit report and they have sent me correspondence. I advised the representative again this is not on my credit report nor did I receive any correspondence from this company. She then began to raise her voice and threaten me by stating she was filing a lien with my current creditors as well as going to file a judgement against me and contact my employer. I have since submitted a cease and desist letter to this company as this debt is not mine and the statute of limitations on filing against me has past. I find this companies tactics disturbing to say the least.
04/20/2018	Yes	Debt collection Credit card debt	False statements or representation Indicated you were committing crime by not paying debt	AZ 863XX	Web
XX/XX/2018 To whom it may concern : This is in reference to a company by the name of ARA , Inc., XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, allegedly representing XXXX XXXX XXXX. XXXX is now owned by XXXX whom I contacted immediately. There is absolutely no account in my name or my deceased husband of 25 years, be it current or delinquent. ARA is attempting to collect a non-existent debt of {$8600.00} which they are willing to settle for {$1000.00}. They have communicated with me first by telephone, and then by mail. I have explained to them that this account and the charges associated with it are erroneous. They continued to call and harass me. Therefore, I have reported this to my local police department, the US Attorney General 's Office and now your office. Thank you for your consideration in this matter. Sincerely, XXXX XXXX XXXX
07/19/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 105XX	Web
They called me at work told me they have won a judgement against me and a court order seizing my bank account and that my direct deposit will be denied and if I have any outstanding payments on the account they will be declined. I was told if I gave them {$450.00} by credit card right then they can begin the process of unlocking my bank account and send if I send them a check in the amount of {$4000.00} within the next seven days they would release the lock and not seize the original debt of {$12000.00} and would send me a letter of the debt. I did but my family said I was scammed and I talked to a lawyer and should them the letter and he advised that indeed I was scammed. They can not collect on a debt from 1995 and the tactics used were unlawful and to call my credit card company and have the charge reversed as fraudulent.
07/22/2019	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	DC 20002	Web
Received calls from a restricted number on XX/XX/19 and did not answer. Then received a text from my mother who stated that Assset Recovery Associates called my mother, my step-father, and my stepbrother stating that I was wanted for arrest for check fraud. Gave them the case number and extension. When I called the number they stated that I would be arrested if I did not admit to the debt. When I asked for a verification letter they refused to send one stating that one was sent out already. No one received a letter. They would not give information about debt or who it was from. I told them to stop contacting my family and other third parties ( called my job as well ) and telling people that I was wanted for check fraud. When I asked about this check fraud accusation that denied. I have a voicemail with this accusation.
08/28/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30506	Web
I received calls from XXXX on the following dates and times at my place of employment : On Thursday, XX/XX/XXXX : XXXX XXXX XXXX XXXX Friday, XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Monday, XX/XX/XXXX : XXXX XXXX When they first called, they said that they were with ARA Associates and that litigation has been filed against me in my local jurisdiction for an unpaid debt. They said I owe XXXX XXXX XXXX {$4000.00} for an unpaid debt. Not only do I not have a {$4000.00} account with XXXX XXXX XXXX, which I told them, but I also pay for monthly credit monitoring through XXXX and I have never seen this alleged " debt '' on my account. I immediately knew this was a scam and told them not to contact me again. As noted above, they have continued to call me at the above times. I 'd like for them to be investigated for fraud.
07/19/2016	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	WI 53029	Web
This company made a robotic call indicating they were calling about a package delivery and asked me to press XXXX '. I pressed XXXX ' and learned that they were trying to get in touch with a former friend with whom I have not spoken in several years. I explained this to them and asked them to remove my number from their records. She said that she would not this since it is listed as the number for " the defendant ''. I asked her for her company 's info and she hung up on me. I had to call back XXXX additional times to get the information. XXXX XXXX yelled at me repeatedly and told me she would be contacting " counsel '' about this. When I asked for name/contact info for this individual, she refused. I am sending them a cease & desist order, the representative told me that would not stop them from continued calls to me.
08/04/2015	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened to sue on too old debt	CA 92301	Web
I have been contacted repeatedly by the company, Asset Recovery Services. They have informed me that if I do not pay the debt that they claim I owe then civil lawsuit action will take place.They claim that this debt is over seven years old and when I inform them that they can not legally sue me for this debt they become increasingly agitated and unprofessional. They have claimed that they will come to my place of business but have not stated their intentions for that. I have requested that all communication be in writing and to no longer call me and they have refused this request. I have attached an email, the only thing in writing that I have received so far. In this email our discussion is referenced and the term settlement is used. At no time did I admit to ownership of the debt nor did I agree to pay any amount.
06/28/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	VA 23503	Web
I received a call from ( XXXX ) XXXX who said they were XXXX XXXX XXXX from an IL number. They told me my name, an old address, my social, and date of birth. After speaking with 3 different people, the last person, XXXX XXXX, informed me that I had opened a XXXX XXXX XXXX in XXXX and it was closed in XXXX due to non payment. XXXX supposedly made every attempt to contact me then had it on my credit for 7 years until it was removed then they sent it over to ARA. Never have I had an account with XXXX nor have I ever seen this on my credit. I am worried that I have confirmed all of my personal information for whatever their intentions are and I will not be scammed into paying something fake. Please note I would have only been XXXX in XXXX. Collection for : XXXX XXXX XXXX of Call : XX/XX/XXXX Debt : {$4500.00}
12/28/2015	No	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 92807	Web
A representative called me from ARA INC stating that I owed a debt from XXXX XXXX and that they were going to sue me if I did not pay them {$16000.00}. I did not know about this debt, so the representative said he would transfer me to the fraud department. After sitting on hold for over 10 minutes, I call back the number that called me ( from the caller ID ), talk to the rep again and he then transferred me again. The man that answered said the debt was from 2005 ( over 10 years old ) and said " You must have been transferred here because you do not want to pay ''. I said if this debt is from 2005, it is over 10 years old and is a time barred debt ( Cal. Civ. Proc. Code 312 et seq. ) so he can not report it, nor can he sue me for it. He said he was from a legal firm and would see me in court and hung up.
10/05/2016	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	SD 57702	Web	Servicemember
Company called ARA left a messages on my wife 's and I cell phones stating that they were filing XXXX counts of fraud against me for a pay day loan that I defaulted on and that they were going to contact my employer and the apartment complex manger where I live. The loan is 3 years old. I got scared and returned the call and gave them my bank account number in order to stop any proceedings. Is this legal. The contact number is XXXX extension XXXX. Spoke with a lady named XXXX. I paid her {$150.00} from my back account on XXXX XXXX. I asked for a receipt and never received one. Called XXXX back on XXXX XXXX. I had to leave a message. It is now XXXX XXXX and I have yet to receive a return call. I feel I have been scammed with threats. My wife and I have saved the phone messages.
03/25/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA XXXXX	Web	Older American
I have received regular calls every few weeks on my XXXX XXXX XXXX number from agents of ARA Services who say threaten to sue ( if I do n't immediately make payment arrangements ) to collect a debt allegedly owed to XXXX. I was told that I 'd receive a summons in the mail. I owe nothing to that company although I believe that if I did that it would be a zombie debt from an account that I may have had over 25 years ago ( which was closed with a XXXX balance I believe in the XXXX. I have demand that ARA stop calling me ) but the calls keep coming regularly every XXXX weeks, the latest being this morning from phone # XXXX XXXX XXXX in XXXX, IL. -- - I verified their number via a call back to the number and also was told that their address is XXXX XXXX, XXXX XXXX, IL XXXX.
04/05/2017	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened to sue on too old debt	FL 33714	Web
A payday loan was applied for in my name in XX/XX/2012, I have had hardship over the past couple of years but I and my family have been threatened 2 times over the past 5 years to be sued for check fraud, when have n't been properly served or notified. My friends are getting phone calls and are given false information. Telling them they are from the XXXX Police Department. When I call they are rude and try to threaten me with a court case if I dont give them money I dont have. Apparently the original amount was XXXX but they are asking for XXXX and more if they go to my district attorney. They give me a confirmation number after I paid them but nothing else. I called the original loan company and they told me they dont pursue court cases. I dont know if this is real.
07/01/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	OR 97355	Web
Called and told my employer that they were calling on a legal matter. When I was passed the call, I was told by XXXX XXXX of ARA , Inc. that she was contacting me and my employer to notify them of a judgement against me in the county in which I live. First of all, she herself stated the debt was charged off XXXX ( which is a lie ). Secondly, I have never been notified of any court proceedings because there have been none. I have received numerous threatening letters and harassing calls even after requesting they do not contact me at work again. That debt was 7-10 years old XX/XX/XXXX and I have lived in Oregon for the last 12 years ( in XXXX ). These people need to be dealt with. This abuse is not allowed by the Federal Government or any State in the United States
11/10/2017	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	VA 223XX	Web
Starting at XXXXXXXX XXXX on XX/XX/XXXX a company that identified itself as XXXX XXXX XXXX XXXX ( XXXX ) called my cell phone. I missed the call but returned it as soon as I could. On this first call they refused to give me any information as to who they were and why they are calling me. Since that initial contact they have called me 12 times. on XX/XX/XXXX at XXXX XXXX I finally talked to a different person that identified themselves as calling from XX/XX/XXXX. They said that they were calling to collect a credit card debt. They gave me the information and it was clearly the wrong person and a debt that I had never acquired. I ask for proof in writing and they said the law did not mandate it. Since that conversation one hour ago they have called me 2 more times.
01/29/2017	Yes	Debt collection Credit card	Communication tactics Called after sent written cease of comm	TX 77042	Web	Older American
I keep getting calls and letters attempting to collect a debt that has been time-barred since XX/XX/XXXX. This has happened several times since XX/XX/XXXX. The latest attempt was XX/XX/XXXX by ARA , Inc. I incurred this debt when I was professionally employed as a software engineer. I lost my last job in that profession XX/XX/XXXX, which is the same month I made the last payment on this account. In the time after this, I was homeless for 3 years and when I was finally able to get work it was 25 % of the income I had XX/XX/XXXX. My computer skill set is now obsolete and I am also now XXXX years old. This debt keeps popping up occasionally and I am tired of telling one collection agency after another that this debt is time-barred. They just sell it to the next one.
05/12/2015	Yes	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	UT 847XX	Web
They have called me serveral times including my mother XXXX my father XXXX stepmother once and my daughter XXXX. They have accused me of multiple things but all different to each person. They called from an unknow number telling each of us we need to call ARA at XXXX by end of day or we would all be served. I call back and question them and informed them that I paid on the loan and they told me to prove it to the judge and hung up on me. But they keep calling all of us. They called me using our local sheriffs office number and when I called it back they informed me they dont make phone calls like that. They called my father stating they were from the State when he asked for a phone number to verify it she stated she couldnt give that information out and hung up.
04/17/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 95993	Web	Servicemember
XXXX XXXX from XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, IL XXXX, has contacted me by phone and informed me of a debt that she is trying to collect. She told me that the debt was from a XXXX credit card and the unpaid balance was XXXX dollars plus interest of XXXX dollars and that I should pay this immediately or she would turn it over to the attorney. I requested that XXXX send me information about the debt proving that it is mine. XXXX stated that a letter had already been sent. I have not received any mail from ARA Inc. I did, today send a registered letter requesting information about the debt in question and I dispute ownership of this debt. I believe the threat of legal action and the attempt to collect XXXX XXXX in interest are both illegal.
03/27/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OH 43224	Web
A woman named XXXX XXXX XXXX and a XXXX XXXX called my place of employment XXXX and my cell phone XXXX calling repeatedly on XX/XX/18 and prior to that they would call a couple times a day from XXXX x XXXX and calling from spammed numbers or unknown numbers, leaving messages stating that they were sending the police to serve me from XXXX XXXX, or sending units to my home or place of employment threatening to serve me with judgement papers. I asked them to stop calling but they have repeatedly called back to back even after I asked them to stop. I do not know the name of the company. they have also called my relatives as well stating they were sending the police after me etc. I have never received any written correspondence from whoever this company is.
12/07/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 32779	Web
XXXX XXXX made initial contact on XX/XX/XXXX left a message, I returned call she threatened me with wage garnishing, jail, and quoted an outrageous amount owed of some crazy amount from XX/XX/XXXX. I never owed that on any credit card in my life. I had my card stolen and the charges were taken off is the last thing I remember about that card. this is a scam and they are trying scare tactics and calling my office and threatening to garnish my wages with no proof of the debt. when asked for proof of this debt he changed the subject. I am reporting this because it reminds me of the irs calls I was and still am getting threatening me with going to jail and levying my bank account, etc. I am very upset and would like some help with this matter. thank you
09/26/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	AZ XXXXX	Web
I called and they immediately asked for me and gave out last 4 ssn #. Before even verifying who was calling in. I never identified myself, i advised she just released personal information with out verifying who was even on the phone. She said that she is not breaking any laws giving out the last 4 ssn, ) now i called into the company, from a previous call that i had been hung up on when I refused to id self and asked what company he is from, he said wrong # and hung up. ) When i told her it is not okay to give last 4 of anyones ssn and name before even knowing who is on the phone. I asked for a manager, she refused, multiple times, kept cutting me off, finally put me on hold, came back said manager was busy, she could give me his voicemail.
02/17/2016	Yes	Debt collection Payday loan	False statements or representation Indicated committed crime not paying	TX 76179	Web
I received a call from an unknown number on XXXX XXXX, 2016. I did not anwer the call because I was at work. Later in the day I received a call from a friend that they received a call for me stating I had XXXX cases with XXXX County pending if i do n't call them back. I got the number from her and a reference number, I called the company and they told me that there are XXXX pending charges against me for submitting a false check and that they could garnish my wages and take me to court in XXXX County if I did n't pay. While on the phone the lady i spoke to said she has to talk to their legal counsel about my account, and find out if the charges have been filed. Then she said she would transfer me to legal counsel to ask me some questions.
06/06/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 77077	Web
As of XX/XX/2019 This company " XXXX XXXX '' phone both my brother ( XXXX XXXX ) and sister-in-law ( XXXX XXXXg ) I have written documentation from both they were contacted around XXXX CST. Both family members said " a lady '' would not give her phone number and says she is trying to get a hold of me. '' She did state she is from " XXXX XXXX. '' I don't know who this company is, but when I searched in on XXXX, it states an address of XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX. Their website states " Health care '' and " Commercial debt collection. '' I have not received any written documentation. I did get one call and the person would not identify themselves unless I " self identified '' and that is not something I would ever agree too.
03/21/2017	No	Debt collection Credit card	Taking/threatening an illegal action Threatened arrest/jail if do not pay	NV 89701	Web	Older American
Received telephone call threatening to arrest me on a felony charge and freeze all banking and credit accounts on a debt that was 15 years old and past the statue of limitation. He bullied me and continued to threaten me if I did not pay money right then to him. Three business days later I sent through USPS XXXX a letter to the company disputing this debt and wanting no further contact. The following day I mailed a second letter certified mail also disputing this debt and requesting no further contact. Asset Recovery Associates have continued to call me every day and on XX/XX/XXXX they called at XXXX. They even contacted my brother believing he was my husband and demanded contact with me, however, they failed to identify themselves.
07/16/2015	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	MD 207XX	Web	Older American
I have been contacted repeatedly a woman named XXXX or XXXX XXXX who leave the following message. XXXX '' I am contacting you regarding an urgent federal matter out of XXXX XXXX [ XXXX ] County. Our firm sent you notification in regards to filiing case XXXX. At this time a decision will be rendered on your behalf with or without your consent. " I have looked up the numbers, which are related to a company located at the following address. It goes by different names, depending upon who calls, but I believe it is the same outfit. XXXX XXXX XXXX XXXX, XXXX, IL XXXX : XXXX : XXXX : XXXX XXXX, PresidentThe statute of limitations has long expired on any debt I may have had in the past, and these people ignore requests to leave me alone.
10/07/2016	Yes	Debt collection I do not know	Taking/threatening an illegal action Sued where didn't live/sign for debt	OH 44129	Web	Servicemember
Asset Recovery Associates called me, my brother, and my parents to say I owed {$10000.00} to The Finance Company. This was an attempt to collect a debt from XXXX. I was n't working then, and I do n't know of anyone who will give a loan to an unemployed applicant. Told my my car and license plate number, listed several addresses that I never lived at, and told me I was due in court in XXXX, NY on Friday, XXXX XXXX, XXXX to answer for the judgement. I have never lived there, and do n't understand why they would sue me there. They said they would settle for {$2700.00} if I paid them {$490.00} by the end of the work day yesterday. I was told my wages would be garnished. They said their client would get their money one way or another.
07/05/2018	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	OH 43229	Web
On XX/XX/XXXX I recvd a call from XXXX XXXX XXXX XXXX XXXX stating that she was calling from XXXX court processing and summons district and that I needed to verify my information for legal documents do to fraud ... I hung up cause I know you are misrepresenting yourself and I have the call recorded. She then proceeds to skiptrace and contact my aunt, husband, grandma and tell them I have 6 counts of fraud the case # XXXX and I needed to call her back and she told them my legal documents had they name on them and they would need to come to court too. I found out she is calling from a place she only gave abbreviations for ARA and XXXX XXXX is claiming to be a paralegal telling me see you in court ... all calls are recorded.
03/16/2017	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	CA 91910	Web
My Mother was told that her XXXX status would be revoked, and she would be XXXX. Hhat her social security pension would be garnished and that all the money in my husband 's bank account would be also taken. That President Trump had changed the law and that she had to pay this debt. This is over 19 years old. The used abusive language and under duress they took advantage of a XXXX yr. old senior who gave them her credit card information. So far they took 2 payments one for {$480.00} and another one for {$1000.00} I am working with the credit card company and have reported this {$1500.00} dlls charge as fraudulent. I want to make a formal complaint about this ARA XXXX company in Illinois. Collection manager name is XXXX XXXX
05/28/2019	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	KY 427XX	Web	Servicemember
XX/XX/XXXX XXXX Caller from ARA Inc. XXXX XXXX XXXX did not give statement that he was a debt collector or mention the call was being recorded. I did not acknowledge the debt yet he gave the debtor 's personal information including name, birthdate, and full social security number. He said the debt was from XX/XX/1997 in XXXX XXXX. I did not have any car repossessed in XXXX XXXX. He threatened me with legal action and that it would appear on my credit report. I informed him I would not give any information since I did not know who he was so he said he was going to " play this recording, because you are being recorded, to the court. '' The name he gave was XXXX XXXX. I informed him he was not to call this number again.
02/15/2016	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	TX 77505	Web
I defaulted on this loan almost two years ago. I called to notify them I would be defaulting. When they called I attempted to make arrangements that I could afford, they said the amount was unacceptable. I repaid the loan amount, not the interest. Today a company, ARA, called my mother and told her I 'd used her information to get a loan and fraud charges were being brought against me in XXXX County tomorrow. I called them and said I needed info sent in writing. Then my mom notified me the same company, ARA, called her stepson and told him fraud charges were being filed against me in XXXX County. I called ARA again and asked that they not contact anyone else because they have by mailing address and phone number.
10/01/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OK 737XX	Web
I received a caller-ID blocked call. The voice message stated that I needed to call XXXX regarding notice XXXX and to contact XXXX XXXX. I called the number back and was told their company was ARA and Associates, XXXX XXXX XXXX, XXXX, VA, and that their only phone number was the one listed above. She was very rude and stated that I would be charged with " issuance of a bad check '' and " theft by deception ''. I asked for verification of the debt and was told it was mailed in XXXX 2015 and they would not send it again. They also contacted my ex-wife of 20 years with the same notification number and threat. I have no idea what this is regarding and have found other, similar complaints regarding this phone number.
01/04/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	OH 43606	Web
XXXX XXXX from ARA XXXX ext XXXX has called XXXX XXXX 2018 at XXXX. Left a voicemail that had all of my information date of birth, ss # making threats to send someone to my place of employment or my home and have me taken away for fraud. She has called my parents and talked to them stating on the same day I have several fraud charges against me and they are going to take me away. I have no such charges and have no idea what they are talking about. They called my daughter and said they are going to take her to jail because I listed her has a contact and I am not calling them back. Why is this place still in business? They are constantly harassing and making up stories and calling multiple family members.
08/24/2016	Yes	Debt collection Payday loan	False statements or representation Impersonated an attorney or official	MA 02144	Web
I received a call from an " Unknown '' number claiming I was being brought up on charges for check fraud. They also called my mother. XXXX XXXX left a voicemail so I called the number she left XXXX XXXX ext. XXXX ) and tried to get information from XXXX XXXX who says she works for ARA the Process and Summons division at my XXXX District Court. She told me she was sending people to my house and every address she had on file until they found me ( I felt threatened ). She was extremely rude, told me she does n't want to talk to me to just go to court because I ca n't pay my bills and to " get off my line '' and hung up on me when I asked for a validation notice and the name of the company and address.
11/16/2016	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	MO 64052	Web
I received a phone call from a blocked number that left a message for me to call XXXX regarding legal action against me. The company name is ARA? This is after they called my job on several extensions trying to reach me and told people that I was trying to open an account with them. After finally reaching someone, they proceeded to tell me that they in the middle of filing charges against me ( for what ). They stated my name and employer correctly but the rest of my information wrong. The young lady that answered transferred me to a supervisor that threatened that they would continue to contact my employer. Does anyone on this end have any information about this and what can I do?
05/22/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	GA 30126	Web	Servicemember
ARA Inc. contacted me by phone XXXX XXXX, 2015 stating that I owed {$6000.00} to a XXXX XXXX Credit Card that I never had. XXXX XXXX XXXX XXXX stated that I would be taken to court and my wages would be garnished. I sent a certified letter on XXXX XXXX, 2015 telling ARA Inc. that the debt was not my debt and please do not contact me anymore. ARA Inc. than sent me a letter stating I now owe {$14000.00} since I did not pay the other amount stated. I against sent certified letter to ARA Inc. stating that under the Federal Fair Debt Collection Practices Act ( FDCPA ), to cease all communication with me in regard to the debt ; that is not my debt. I never had a XXXX XXXX Credit card.
10/27/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	OH 43232	Web
company named ARA contacted my elderly mother and spouse. XXXX message said I had XXXX counts of check fraud. Another message stated I had XXXX counts of fraud. I contacted them XXXX/XXXX/16 to discuss. My mother and husband forwarded me messages they sent in regards to the matter. They stated consider the message my notice of suite XXXX The problem is I am unaware of what the debt is and why it was considered fraud. I have reported it to the Ohio XXXX XXXX office. They have XXXX different case numbers. The numbers are XXXX, XXXX, XXXX ( as of today ) They have threatened to serve me at my job and home. the numbers for these collections are XXXX ext XXXX and XXXX ext XXXX
05/11/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 76109	Web
XXXX XXXX XXXX ( XXXX ) collection agent called and failed to disclose that he was calling from a debt collection agency. Asked to confirm the last 4 of my social and DOB. I responded that I would not confirm over the phone. Agent proceeded to inform that a judgement had been filed against me for a debt that was out of statue 10 years ago and if I would like to settle today. I responded that I will not respond over the phone and will respond via certified mail. He informed me that correspondence had already been sent, that I would be served in a lawsuit, and that I knew that I owed the debt and was beating around the bush. Agent hung up the phone before I could respond.
04/11/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	TX 75052	Web	Servicemember
Out of the blue I received a letter stating I owe this company money. I phoned to see what this matter was in regards to. After being transferred to 3 different people, I reached someone claiming to be a XXXX XXXX @ XXXX XXXX. XXXX XXXX stated I had a car repossessed in 1997. I explained to her I never had a car repossessed. She tried to find further information and stated she could not find anything. I started laughing and asked her if this was a joke. She got upset and put me on hold and never returned to the phone. 1997 is 21 years ago and out of the blue I receive a letter. Not sure what is going on here but this is absurd and needs to be reported
02/16/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	FL 33405	Web
Received a call from ( XXXX XXXX ) on my business phone with no message. Called back thinking it was a customer and was forwarded to an unknown extension. Person said I owed XXXX to some bank I do not remember ever doing business with. A male voice told me my whole Social security number over the phone, then said the determination has been made to seek judgment. I said I do not respond to threats or scams and he had no business with my personal information. He tried to continue, but I hung up and immediately filed this complaint. My credit has been very good for well over 12 years. No such ( XXXX ) or other is listed anywhere on my credit report.
05/11/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 32817	Web
XXXX / XXXX / XXXX Received calls at XXXX XXXX EST and XXXX XXXX from XXXX . No message left. I am inundated with telemarketers and scams ( and have had several credit card compromises ) so I rarely answer an unknown call and always look the number up online. I found several comments indicating this was ARA Recovery and they were either trying to collect an old debt or and IRS scam. I blocked the number XXXX / XXXX / XXXX Received a call at XXXX from XXXX . No message left. I looked it up and similar comments - ARA Recovery. I blocked the call. I bet I 'll get another call from a different number later today or tomorrow.
06/11/2015	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened to sue on too old debt	FL 33433	Web
Asset Recovery - Tel : XXXX called me and threatened me with legal action ; threatening to sue me for over {$11000.00} and put negative remarks on my credit reports. Threatened to obtain a judgment against me for a debt to " XXXX Bank '' from the " XXXX ''. Claimed I negotiated with them in XXXX - never happened. Never received any documentation. I do not owe this debt and the debt would be uncollectable under the Statute of Limitations. They have my complete social security number so I pulled a copy of my credit report and saw they made an inquiry on XX/XX/XXXX. I am a victim of identity theft and any and all inquiries are very disconcerting.
08/01/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95128	Web	Servicemember
I called to notify Asset Recovery XX/XX/XXXX the debt was not mine and the woman I spoke with couldn't provide me with the information needed to ensure it didn't wind up on my credit report and when I indicated that the debt did not belong to me and asked when it was opened, XXXX and when it was charged off XXXX, I indicated that it was 13 years old and I also have never in my life had a line of credit and didnt open the account and she began to tell me how embarrassing it must be to know I'm not able to pay my bills and especially from that long ago and hung up on me. When I tried to call back the operator wouldn't connect me with a manager.
02/16/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	SD 577XX	Web	Servicemember
Received call from Asset Recovery Associates XXXX XXXX stating that I owed a debt and legal action will be taken if I do not pay over {$1000.00} by the end of the day. When requested written proof of debt collector XXXX XXXX asked for mailing address which was given. Called back XXXX/XXXX/16 to let know that written letter was not received. Collector XXXX XXXX stated that letter would not continue to be sent. When asked when letter was mailed and if it was certified collector stated that would put down that I was refusing to pay and legal action would be taken. When asked if a certified letter would be sent agent hung up the phone on me.
07/06/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	OH 44224	Web
Reached out in regard by phone call to XXXX to find what the debt was about on XX/XX/XXXX. No info was given just that a debt was owed for XXXX for a debt I NEVER had. The company presents themselves as Asset Recovery Associates in XXXX XXXX, Illinois. The only time I ever owed any money on a car was in XXXX. This was paid off and there action violates the act of XXXX law. Be wary as they may be searching antique files to scam individuals This company needs investigated and held accountable. Please reach out to your attorney general or law enforcement if you receive any letters from Settlement Department in XXXX XXXX Illinois.
06/15/2018	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	MN 55404	Web
This company has been calling myself, family and friends for about three weeks starting on XX/XX/XXXX. In both cases detailed messages were left on their machines. Since then they have both been contacted numerous times. I contacted the company on XX/XX/XXXX to figure out what was wrong. They told me I was being sued and I would be served at my workplace. everything sounded fishy, so I decided to do more research before paying them. Today, XX/XX/XXXX. This company somehow got the number of both my girlfriend and her mom and have been calling repeatedly back to back. They also contacted me 22 times over the course of 3 hours today.
10/24/2016	No	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	TX 75038	Web
Asset Recovery Associates contacted me stating they were going to sue me and place a lien on my credit card for a fraudulent credit card debt that was opened when I was XXXX. Informed that I 've already disputed it and had it removed from my credit report almost 10 years ago. Informed not to contact me anymore and asked the representatives name. She would n't give me her name and I told her to have her collection agency remove me from her list. She informed me she was n't a collection agency. Used harassing and offensive language and said she was going to call my work. Informed I could n't get calls at work and she called anyways.
08/08/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78660	Web
I received a letter from ARA Inc. ( a dept collection company ) on X/X/2017 informing me that they were the legal owner of a dept I owed from more than 20 years ago. I called the agency to gather more info and the collector went on to tell me they had access to FBI files and he could give me the name of my neighbor if he wanted. He also said they we 're going to file a judgement and the debt would be on my credit report for 6 years. I do not believe I owe this debt and the practices used during the phone call were very threatening. I am also worried that this company obtained my personal information for fraudulent purposes.
11/14/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 90720	Web
On XX/XX/18 @ approximately XXXX CST we received a call from XXXX XXXX from XXXX XXXX XXXX. Addresses XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX -and- XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone : ( XXXX ) XXXX Mr. XXXX threatened to sue us regarding a balance he could not provide proof of debt ( because this matter was resolved in the XXXX ). Furthermore, this matter occurred over 20 years ago and would be out of statute even if legit. Threatening customers on out of statute ghost balances to intimidate them then following up with a settlement letters is one of the oldest most underhanded fear based tricks in the book.
04/25/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	CA 91304	Web
I got a call from a company called Asset Recovery Associates or ARA c laiming that in XXXX i opened a credit card with a company called Express and i stooped paying them in XXXX , the original amount was {$5000.00} with interest and fess its {$15000.00}, but they are willing to take to original amount of {$5000.00}, i told them to give me 24 hours to make sure i owe the money or come up with the money, the response was u need to pay us {$1500.00} over the phone today or we will put a lean on your house, i asked for explanation, i Called The FBI and they recommended to file a scam report with you.
05/16/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	FL 33914	Web	Servicemember
Received a letter on XX/XX/XXXX stating I owed almost {$1800.00} to XXXX XXXX. I called the company ARA Inc.on XX/XX/XXXX to inquire about this. Yes, this letter got misplaced in the shuffle of mail in my house. They said it was a XXXX credit card from XX/XX/XXXX. A card from 15yrs ago that I know nothing about. She kept saying there are no statute of limitations, this needs to be resolved right now. I told her I would get back to her in a couple of days and she said I have till close of business today or I will be sued. I told her I would not be calling her back today, I will call back in a few days.
07/14/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 91205	Web
Received a call about owing {$10000.00} for a debt from XXXX . They said it was some XXXX account with no details and reactivated in XXXX and a letter was mailed in XXXX . The caller said that if I do n't pay him in 10 minutes then he would take me to court and sue me. I attempted to question where the debt came from and for what but he just insisted that he will just levy my accounts. He threatened me by saying I have you SSN, I know what bank accounts you have and I can see everything. I researched online the company and it appears to be a scam company who constantly changes its name.
04/15/2015	No	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	IA 528XX	Web	Servicemember
The Asset Recovery Associates is trying to claim a debit of {$3.00} they claimed I open with a XXXX in the state of Virginia in XX/XX/XXXX. I explained to this company that was in XXXX at that time and have been there until XXXX XXXX XXXX when I return to the XXXX. In XX/XX/XXXX I did make a police report in XXXX for possible identity theft. I also will be filling another one. I contacted this company, which has been brought by XXXX and they related there was not outstanding account with them with my name or SSN. I sent this company a cease and desist letter to stop threatening and harassing me.
11/18/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 22043	Web
I had a test ordered for XXXX. The doctor did not sign the order until the insurance company OK 'd the order. I told XXXX that I would not allow the test until I was assured the insurance would pay. XXXX assured my doctor and myself the insurance would pay. 2 months after the test, I got a reject from my insurance company and XXXX wanted to bill me {$780.00} for the test! I told them I was not going to pay for it because they stated that the insurance OK 'd the bill Also the collection company does not have a valid VA SCC number so they can not do business in VA! They are breaking Virginia Law!
06/03/2015	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened to sue on too old debt	CO 80919	Web
Asset Recovery Associates said I have a XXXX debt from XX/XX/XXXX ; I filed bankruptcy in XX/XX/XXXX ; Collection company says this debt is not recognized by the bankruptcy but my lawyer says it is ; Collection company says they are going to place leans and garnishments if I do n't pay XXXX immediately. The loan was paid down to XXXX from the original XXXX yet the collection company says I owe XXXX if I do n't pay XXXX by the end of the phone call. This company has been reporting this debt to the credit companies. They also ran a credit check on me during the phone call without my permission.
06/28/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	OH 43232	Web	Servicemember
XXXX from XXXX XXXX XXXX XXXX ( XXXX ) or ( XXXX ext XXXX ) called me at work and told security it was an emergency and then told XXXX XXXX it was an emergency and they were coming to serve me at work today at XXXX. Because of this I was suspended for the rest of the day because it was not an emergency. When I called back was told that they could call me at work anytime, because I supplied my phone number. The lady was very argumentative. Did not even get to discuss what the debt was for. The XXXX XXXX department even has a voice mail where XXXX is stating they will be at my job to serve me.
12/03/2015	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	MD 21740	Web
I have been receiving harassing and repeated telephone calls from an Asset Recovery Associates. However, they are calling using a spoofed name. On caller id it shows as " FCR '' and the telephone number as XXXX XXXX XXXX XXXX. After conducting an internet search I found the number associated with an Asset Recovery Associates an alleged debt collection firm located in XXXX XXXX, IL. Despite repeated and harassing telephone calls and usage of spoofed caller id information I have yet to receive written communication regarding this alleged debt per the Fair Debt Collection Practices Act.
12/10/2015	Yes	Credit card	Other	AZ 85048	Web
XXXX XXXX XXXX called me this morning prior to XXXX XXXX. Threatened to obtain another judgment in XXXX XXXX, TX on behalf of XXXX Bank. I advised the collector that I never had a XXXX Bank account. She said " oh yes you did '' and again threatened to obtain another judgment against me. There is no judgment from XXXX Bank on my credit report and I have never been advised that I had a judgment against me. XXXX can not threaten to obtain another judgment. They can not re-age a debt and they can not threaten to sue on an out of statute account. Yet the collector threatened to do that.
06/09/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	CA 95821	Web
ARA Inc employees have called me several times, cursed at me, yelled at me, threatened to ruin my credit, threatened to contact my employer, and threatened to sue me over a disputed credit card debt the collection of which is barred by the statute of limitations. ARA Inc employees have been very abusive, and when confronted with the fact that the debt is disputed and not collectible they become even more abusive, and more threatening including calling me several more times. What prompted this complaint was a letter I received yesterday threatening collections action, again.
07/14/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 14621	Web
ARA XXXX XXXX and others continue to call me regarding a debt I do not owe. They call and hang up serveal times during the day. I have asked repeatedly that they remove my cell number from their contact list as I am not the person they are seeking, I am on a do not call list that is verified and valid. They ask me to verify the Social Security Number, Credit Card information and other identifiers of a person they believe to owe the debt. I can not and refuse to do so in any capacity. They told me the calls will continue. This is wearing on my nerves and causing me XXXX!
04/02/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not disclosed as an attempt to collect	CA 92688	Web
XXXX collected {$2500.00} from me on XX/XX/XXXX for a settlement on a credit card debit. On XX/XX/XXXX ARA another collection agency attempted to collect on the same debit for twice the money. I informed them that this account was paid and they insisted that it was n't and were going to take me to court to get there money. I have a letter and my XX/XX/XXXX Bank statement indicating XXXX received the money. ARA claims the account is still open and is still owed money.I cant get hold of anyone from XXXX, and assume they are out of business or it was a scam all along.
07/06/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 324XX	Web	Servicemember
I received a letter XX/XX/XXXX from ARA Inc. indicating I had a debt in collections with " XXXX XXXX '' in the amount of {$11000.00}. I called the number of the letter indicating I do not own this account and never had a credit card with " XXXX XXXX ''. The person on the phone became belligerent yelling at me telling me it was my debt from XX/XX/XXXX. I informed them I never had a credit card with " XXXX XXXX '', never heard of this bank and had no intention of paying this supposed " debt ''. The person then hung up on me. This is most definitely a scam.
05/10/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	FL 337XX	Web	Servicemember
Asset Recovery Associates continues to call about an account that was paid off years ago. The account is almost 20 years old. They claimed they could see our accounts and that they were going to make sure that my husband ( who was never on the account ) was also going be affected by my debt that was almost 20 years old and paid off by at least 10 years. They also claimed that his job would be notified about the debt. How do we make this stop? They also said it would hit my credit report at a certain date and that has passed and its not on my credit report.
06/21/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TN 38401	Web
Received message about pursuing legal action, called back and spoke to XXXX who was very rude and would not give much detail about debt, I explained I have no knowledge of any loans or debts plus I filed bankruptcy. She kept arguing then said good luck wages will garnished and hung up, called me back and then began harassing me about filing bankruptcy in the past. They called my aunt who lives in another state and also called my elderly parents. All she said was this something to do with XXXX who I have never had a loan with. XXXX x XXXX XXXX XXXX
07/05/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MO XXXXX	Web	Older American, Servicemember
I have received another demand lette r, ( {$6400.00} ) th is time from ARA Inc, for a debt that was settled ove r three d ecades ago and that is not valid. I periodically receive these letters, and have been unsuccessful in receiving resolution, thus the resurfacing of these demands. I have repeatedly sent written notices disputing the validity of the debt to the various collection agencies, again, to no avail. XXXX I have also filed a complaint with the Missouri Attorney General 's office and will be faxing a response to XXXX XXXX a t ARA.
11/14/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened to sue on too old debt	FL 33619	Web
I had a loan that is over 11 years old that I took out with my ex-wife. In my divorce decree it was stated that she assumed any and all responsibility for the debt associated with the house since she sold the home without my consent. Also the statute of limitations on this debt is well over the 4 years per XXXX law where the loan was taken out and over the 5 years per XXXX law where I currently live. This violates the Fair credit laws on the statute of limitations and my rights for freedom from the law that is meant to protect me from such actions.
12/05/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	OK 748XX	Web	Servicemember
XXXX XXXX XXXX XXXX ( XXXX ) XXXX-XXXX XXXX ( XXXX ) XXXX-XXXX They called me from this number and said they had a debt to collect. They had my social security # and information. I immediately checked my XXXX credit report and saw that they pulled my credit without my permission. I also saw that I do not owe anything to anyone except my mortgage company and XXXX for my student loans. I do not use credit cards, they have been paid off for about 10 years for me. Do not give in to these people, check your own credit and stay on top of things.
04/03/2015	Yes	Debt collection Credit card	Communication tactics Used obscene/profane/abusive language	FL 33569	Web
I was called about a debt that was written off XXXX years ago, by the credit card company. It was then sold to several collection agencies, before ending up in the hands of XXXX financial in Illinois. ( XXXX ). They never stated this was an attempt to collect a debt, nor read the " mini mirnada '' required by debt collectors. The guy then proceeded to insult me, calling me a child, a bum, loser and so on. I eventually hung up, but after working in collections for a short time, I know what they did is illegal and they need to be fined for this.
05/18/2016	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened to sue on too old debt	MO 63010	Web
The company called ARA Prelitigation Firm contacted me from a private number and said that I was listed as a point of contact for an individual who has XXXX pending check fraud alegations against them. They are going to verify my residence and my place of employment so that documents can be delivered to me accordingly. If I am just a point of contact what kind of documents am I responsible to receive? They are trying to collect non existing debts from easily convinced individuals who will fall for their scare tactics ... I am not one of them!
09/01/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY 10591	Web	Older American
I was contacted by a debt collector named XXXX XXXX from ARA Asset Recovery in XXXX XXXX IL. He said they were trying to collect a credit card debt from XXXX XXXX that was about 15 years old. I made a one time payment to him of {$130.00}. They then sent me two " agreements '' with 2 different amounts due. I did not agree to this but they sent them anyway and kept calling me. These " agreements '' were very confusing and upsetting. I did not enter into any " agreement '' and told them I needed to get more information. I do not owe this debt.
06/22/2015	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	WA 98383	Web
Company claims that they are collecting for a company that I have never heard of but they have all my details, called ex husband that I have not spoken to in years with threats and false accusations demanding that he tracks me down to call them. I think that they are the same company in the past pretending to be someone else. When I call the number they refuse to send anything in writing, They become aggressive when I refuse to give them money over the phone, threating to have me arrested and my social security and credit ruined.
06/25/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 90046	Web
Ara FinancialXXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX been calling me and threatening arrest and legal action on a debt that is not mine. The debt is with a family member that I do not speak with. when I told them they do not have business with me they hung up and have called back again. These calls are in the early morning hours when I am sleeping, and they wake me up. I work a job that requires proper sleep and they are interfering with that. I have sent a certified letter to them, so now they have another branch office call.
02/16/2017	Yes	Debt collection I do not know	False statements or representation Indicated committed crime not paying	TX 77082	Web
I received two calls in a 24-hour period from an unknown number that left messages with my name, my birthdate, my last four SSN, and my address claiming that my son had committed two counts of fraud and urged me or my son to contact XXXX immediately. They provided a " notice '' number ending in XXXX and referred to him as the " defendant '' They said I was a " substitute service '' or " person of interest. '' The call was very threatening and claimed a " motion had been granted to confirm and validate his whereabouts. ''
09/02/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	GA 30542	Web
I sent a " XXXX XXXX Letter '' to a company trying to collect on a 20 yr. old debt. I recv 'd. several calls in the 2 weeks after the recv 'd the letter. The other day, they called again. I answered. 1. They said they never recv 'd. the letter even though I told them who signed for it. So, I read it to them. 2. The stated they are an " XXXX Firm '' not a collection agency and the consumer protection laws and the " Fair Debt Collection Practices Act '' does not apply to them. They said they would still pursue the debt.
10/09/2019	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	IN 467XX	Web
Received call from Asset Recovery Associates trying to collect a zombie debt. Debt is 15 years old and have had no communication from loan originator in years. ARA has my personal info and info regarding available credit on cards. Stated had to receive payment that day or they will sue for full amount. Stated they had already sent paperwork to county I live in to move forward with collection and garnish wages. In settlement with government XX/XX/19 they agreed to stop these collection tactics. Obviously they havent.
03/23/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX XXXXX	Web
ARA Collections has been calling me every 10 mins looking for my ex husband and I have told them I am not married to him nor do I need to receive calls from them. They called 10 times with an hour and a half. They are rude threatening and demanded I speak to my ex. This is un acceptable business practice. I called the number they gave me requested to be removed from the list immediately and they continue to call. These people are so rude, threatening and this is not acceptable. They need to stop calling me.
10/14/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	KS 66604	Web
I received a letter today from ARA INC attempting to collect a debt on an old XXXX credit card that has been paid in full with another company. I do not owe this debt. I have been contacted by phone regarding this account before threatening to serve me with a complaint, and have explained that I have paid the debt in full and will file a complaint with consumer protection if they contact me again. Inevitably, I am contacted a few months later by a different company claiming I owe the same debt I have paid.
08/06/2016	No	Consumer Loan Vehicle loan	Problems when you are unable to pay	OK 74075	Web
I received a collection letter dated XXXX XXXX XXXX from ARA Inc . This collection was in reference to XXXX file in the amount of {$13000.00}. This company has not replied to debt validation requests and are to cease and desist at this point in time seeing as how the original date of the sale of this vehicle was XXXX XXXX XXXX. This attempt of collection is well past the state of Oklahoma 's statue of limitations. I also want the proper debt validation that I never received then no further contact.
08/03/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	GA 306XX	Web
ARA Inc contacted me by my company cell phone and the first thing they said was that they were going to file suit in XXXX County if I did not pay a supposed debt of {$24000.00}. Upon researching what little information I got from them the supposed debt was from 2007. XXXX XXXX XXXX did not have any records for the account number that they gave me. I requested in writing any information they had. I will attach the letter. This is past the 4 year Statue of Limitations for the state of Georgia.
04/24/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 95014	Web
I received a letter in the mail fr om ARA Inc. trying to collect almost {$3000.00} that was originally owed to XXXX XXXX . But, I have never had an account with XXXX XXXX . I called the ARA on XXXX / XXXX / XXXX trying to talk to them. But, they insisted it was me that opened the account and gave me a list of my identity information. Some were correct ; others were not. Of course some were right because they have linked it to me identity. They eventually hung up on me.
04/08/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	DE 198XX	Web	Older American
The name used is A RA FINANCIAL but when you answer they hang up. When I did a reverse number search, the complaints submitted were troubling. I will put the number on my block list but even the complaints have said this company gets around that, XXXX person even stated that they had her husband 's SS #. I 've had identity thief issues in the past and now I worried that this may happen again. It took me along time to get those issues resolved, I ca n't afford another situation like this.
08/27/2015	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened to sue on too old debt	CA 917XX	Web
I constantly received voice messages threatening legal affidavits and final warning before they take me to court but do n't tell me what this debt is about. they recently contacted my sister about this debt and told her that she needed to represent me in court, they left a voice message with her social security number and other information about her. she was upset and called back and told her they could not give her any personal information yet they had all of her personal information
07/26/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX XXXXX	Web	Older American
Revcived letter dated XX/XX/2018 stating I owed over $ XXXXCalled right away and disputed alleged debt but had trouble talking to agent. So I said will send letter disputing alleged debt. Tracking # XXXX XX/XX/XXXX at XXXX XXXX. Wanting ALL pertinent information, singed contract, payment history including first and last payment dates. and all entities who previously owned alleged debt Call at XXXX XXXX XX/XX/18 { recored line } to check status was told I need a Lawyer.
07/26/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MO 63109	Web
I began receiving harassing phone calls on the XXXX of XXXX. The company, Asset Recovery Associates, said that I owed a credit card debt from 92. I did not have any credit cards in 92. I was in fact homeless. The address they gave was a family member. When I tried to explain this to the man he screamed at me and threatened litigation. I talked to him for awhile. He offered to cut the debt by XXXX. He began to double talk. I ended the call making him think I would pay.
09/12/2016	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened to sue on too old debt	TX 77505	Web	Older American, Servicemember
Son received phone call to his cell phone looking for me. I was informed to contact XXXX XXXX about an outstanding debt. XXXX informed me that I owe a debt from 1985 from XXXX XXXX XXXX in the amount of {$2000.00} plus $ XXXX+ in fees and penalties. She had my full Social Security number and read it back to me over the phone. I was told that if I did not pay this now, I would face arrest and I would be met with my wages being garnished and property will be seized.
09/21/2015	Yes	Debt collection Payday loan	False statements or representation Impersonated an attorney or official	KS 675XX	Web
Supposely I received a pay day loan from Money More XX/XX/XXXX and now being contacted XXXX They say that I am being charged with fraud and passing a bad check When contacting this company they said that I was given a letter of intent XX/XX/XXXX I have never received this letter. When I asked for an address to send pament they refuse to give me a address. They are supposely going to take me court and have me arrested etc .... Phone number for XXXX XXXX XXXX # XXXX
09/25/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MO 630XX	Web
I received a phone call from the company on XX/XX/XXXX. The caller left a voice mail message with a case number XXXX and a number to call back. When I returned the call the agent said that they had sent out a letter and were prepared to file suit and place a lien against my home. When I asked about the debt, they stated that it was for a credit card that I had in XX/XX/XXXX. The person then hung up the phone when I stated that the debt was to old to be collected.
04/11/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	NV 89002	Web
ASSET RECOVERY ASSOC. Inc. called me several times, and has sent me letters saying that I owe them {$4400.00} on a a credit card I closed over 10 years ago. I checked my credit report, and they obtained my credit history in XXXX. They said that they would take legal action if I did not pay. According to my credit reports, I owe no debt from this company. The FHA did a thorough vetting of me in XX/XX/XXXX, and I paid all outstanding debt. These are scam artists.
01/25/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 766XX	Web	Older American
XXXX XXXX at XXXX XXXX called XXXX from XXXX saying I owed more than {$14000.00} from XXXX XXXX from 2003.. He REFUSED to give any details. I have not paid any credit late in 20 years ... .plus the Statue of Limitations has passed on this FAKE account ... .He threatened me with Legal Action, garnishment, etc. I have received no written notification. I am filing a complaint with Illinois State Attorney ... ... .and all 3 Credit Bureaus. He was rude ... ....
11/04/2016	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened to sue on too old debt	FL 33936	Web
I have been receiving multiple calls per day from a number with a XXXX area code, for several days. I finally answered the call and it was about a 15+ year old debt. I hung up. They called back immediately and left a voice mail message. They claimed they were pursuing legal action in XXXX county Florida, where I reside, with a case number of XXXX. They are using deceptive tactics to collect a debt that is well beyond the Statue of Limitations in Florida.
10/31/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CT 06512	Web
I received a letter of a debt in which I have NEVER had. I called and asked for supporting documentation and they stated that it was a debt from 1999 and if I did not dispute then that there is nothing that I can do now. I explained that I NEVER had the account how could I dispute it. Would not let me complete a sentence, stating I was yelling which I did because she was extremely rude and would not let me finish a sentence. Talked over me the whole time.
12/15/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77035	Web
I been contacted several times by some individual claiming to be a representative of ARA Inc, a collection company based out of IL. Despite having made clear the fact that I owe no such debt and I have never engaged in any business with the associates bank the original creditor of the collection account.ARA Inc has continued to contact me about an outstanding account in the sum of {$5200.00}. The contact has been through phone call as well as letters.
02/08/2016	Yes	Debt collection Payday loan	Disclosure verification of debt Right to dispute notice not received	TX 78213	Web
I have never received any paperwork on this debt by mail. The collector failed to state : " This is an attempt to collect a debt, any and all information may be used for this purpose. '' Multiple collectors disclosed debt information to anyone who would pick up the phone, including my ex wife and co-workers. In XXXX call the collector stated that It was going to court on XXXX XXXX and stated the account as a case number, misrepresenting themselves.
11/08/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29673	Web
I received a call from XXXX of Assett Associates and in an aggressive manner she stated I owed a debt for someone I co-signed for. I have not co-signed a loan with anyone other than my husband in well over 10 years. I tried to ask for something in writing but she would not answer any of my questions. She did state the debt was to XXXX XXXX for over XXXX. The phone number on my caller ID was XXXX and I received another call shortly after from XXXX.
09/16/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA XXXXX	Web	Older American
XXXX XXXX account I have never owned. I wrote to them to request all records but they have returned nothing to me. 12 years ago I had an account with XXXX XXXX but that was closed. Nothing owed. Could this be another fake XXXX XXXX account - at a different level? The debt collection company name is : ARA Inc., XXXX. XXXX XXXX, XXXX XXXX, IL XXXX and they are claiming to collect XXXX XXXX XXXX account number XXXX. ARA file # XXXX {$1500.00}
03/23/2017	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	OR 97116	Web
ARA has called our home repeatedly even after we requested that they stop calling and threatened legal action on an auto loan that my husband had in the XXXX. They also knew the companies that we have credits cards with and the balances and limits on the cards. They said that they were going to charge the amount that they say we to our credit card. They were insulting saying that if were we responsible adults we would pay what we owe.
03/27/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78244	Web	Servicemember
I tried to contact the company about this illegal debt they're trying to collect from me the representative used abusive language and threaten to place this on my credit report which I have a lock on all all three major credit bureaus my information was compromised with XXXX and my email account with XXXX also and I think these people got my information illegally the name of the company XXXX XXXX their number is XXXX XXXX-XXXX
04/25/2016	No	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	NY 137XX	Web
i got a call from an asset recovery associates claiming i owe XXXX dollars for a credit card i had back in 2003 for a XXXX ive never had a credit card thru a XXXX that i can remember i asked them for bank information to contact bank but they refused to give me that they told me if i didnt pay it or make arrangements to pay it they was gon na file a judgement against me i talked to someone about this and they told me to contact you
07/13/2018	No	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 90045	Web
This company calls themselves ARA. They said they are a litigations company and when I asked if this was a law firm, she said Yes, you call it that. They are calling relatives and claiming to be from the county and have a case #. On the phone, she refused to give me an address for correspondence. She said, they would find me & serve me & I can do a C & D in court. She also said they are not debt collectors so she couldnt c & d.
11/10/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 95624	Web
I was outside the country for more then 25 years, I recently received my XXXX card because because my wife and kids are Americans. I do not know this company and neither the origins of the debt claim. Claiming Company name and date ) ctober XXXX2015ARA INCPoBox XXXX Park, IL XXXX person : XXXX XXXX XXXX : ( XXXX ) XXXX ext XXXX Creditor : XXXX XXXX Bank XXXX XXXX # : ****************Current balance {$1900.00} ( due in full )
04/18/2017	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	MS 391XX	Web
I was called by ARA, XXXX , IL reference an account I paid off in XXXX . They threaten to sue me for an amount I did not owe in the first place. They indicated I owed {$2500.00} when the amount owed at the time was {$750.00}. I checked my credit report and the account referenced or amount was not listed my report. Can you assist? XXXX phone number is ( XXXX ) XXXX . I am resident of the State of Mississippi.
09/21/2017	Yes	Checking or savings account Checking account	Closing an account Company closed your account	OR 973XX	Web	Older American, Servicemember
we got a telephone call from a company that pays of your credit card debt, it was a XXXX XXXX XXXX card .once account is paid off its closed. Now ARA INc bought the account which is eight years old and they are trying to collect on something that is paid off, a XXXX XXXX is trying to collect on old accounts that are closed, I dont want this man doing to other people what he is trying to do to us thank you XXXX XXXX
02/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Impersonated an attorney or official	VI 23323	Web
I got a call from XXXX in XXXX, va who are collection on a debt I owed from a car down payment. When I told the rep I could n't pay the amount he wanted he told me he would just garnish me when I asked him was he a debt collector he told me no he was an attorney. When I called back I clearly got a pre recorded message stating they were a debt collector, in which I was never stated the mini Miranda when they called.
09/13/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	SC 29464	Web
ARA Inc contacted me regarding a XXXX XXXX XXXX personal line of credit Acct. I did not own. They stressed to me If I dont make arrangements today They would place it on my credit report. It was stated to me the last XXXX ssn digits were mine and the bank is always accurate. I felt some uncertainty about it and I never dealt with XXXX XXXX XXXX. She stated they bought the acct from a previous owner.
08/25/2015	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	CA 95126	Web
The Company ARA Asset Recovery Associates keep calling my family members and threatening to take legal action if they did n't get the information they need. They call numerous times even after I have told them to stop calling my phone number and the phones of others. We have blocked the numbers they tell us to call but they call on " Blocked numbers '' so it 's difficult see the incoming ID number.
09/29/2016	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	SD 57702	Web	Servicemember
Company called ARA left a message on my phone stating that they were filing XXXX counts of fraud against me for a pay day loan that I defaulted on. The loan is 3 years old. I got scared and returned the call and gave them my bank account number in order to stop any proceedings. Is this legal. The contact number is XXXX extension XXXX. Spoke with a lady named XXXX. I am saving the phone message.
06/01/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	NV 89012	Web
I was called by a company called " ARA ''. Their representative left a voice message on my cell phone and also called my wife 's cell phone from XXXX XXXX. I do not owe this company any money and this appears to be a scam, so I reporting this information for the CFPB to take action. I do not have any debt issues and have perfect credit and payment histories on all my current accounts.
08/23/2016	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	FL 33033	Web
Received a letter from ARA, XXXX XXXX XXXX, XXXX XXXX, IL XXXX, at my father 's address which I do not live there and have not lived there since I was XXXX yrs. old. Also, it is mailed to a name that I have not been legally under for over 10Yrs. This is debt is over 20 Yrs old and was written off/ charged off and the balance that they are trying to collect is completely fabricated
08/08/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	AL 351XX	Web
Today, I received a collection letter for a debt that was discharged by Judge XXXX, in XXXX, Alabama, around XX/XX/1987. I will have to say they have very long memories but I definitely remember this event because it was a terrible memory in my life, and now, 31 years later some of this debt has resurfaced again after it has long since been forgiven by the Bankruptcy Court.
09/26/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened to sue on too old debt	DE 198XX	Web	Older American, Servicemember
About 20 or 25 yrs ago XXXX said that i owe them some money but I never took out any loan or anything from XXXX, I sent word to the D.A in their home town but they never got any word from them, now almost 10 yrs. later I get a letter fro a company called ARA Collection they took over the loan or some thing I do not know. Now they say I owe the around XXXX and sum thing
04/06/2016	No	Debt collection I do not know	Communication tactics Used obscene/profane/abusive language	TX 76205	Web
XXXX - at extension XXXX called me " illegal wet bag ''. He used abusive language and profane XXXX language. XXXX stated he was with a legal team. He was going to file papers. He made it sound like he was a lawyer .... Very misleading. This is an outrage! Please make them stop! I 'm XXXX years old! Harassing other members of my family with phone calls.
09/01/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 90068	Web
This company calls repeatedly and never leaves a message. When I called back, they refused to identify whom they are collecting for or what I supposedly owe. They are rude, threaten legal action, credit destruction and wage garnishment. When I said Im on Social Security, they told me it didnt matter. Any outstanding debt I had has been dealt with.
05/28/2015	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened to sue on too old debt	NM 883XX	Web
Harassing phone calls repeatedly, even after notifying them that I 'm not allowed calls.ike this during my work hours. Continued to call me 5/6 times daily during work hours. Threatened on the phone that a civil case would be filed against me in the county I reside in. Lied about mailing a letter to me on XXXX XXXX when the letter was dated XXXX XXXX.
06/09/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 344XX	Web	Older American, Servicemember
They keep calling with the right name wrong Soc. sec. # wrong addresses? Wo n't stop calling? they are very rude, and the langue? company is ARA, XXXX, calls are more then XXXX a day, I did get a Gentle man XXXX and did explain to him.. he said the phone calls would stop..? but they did n't? They are looking for XXXX XXXX XXXX # lastfour/XXXXnot mine
06/12/2015	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	TX 77630	Web	Older American, Servicemember
They called and left a message on my cell phone for my husband, did not give name of company, just stated XXXX needed to call XXXX XXXX part of the legal division of firm, that it would be going out today. To call her at XXXX ext XXXX. And refer to document number XXXX. I called this number back and asked what the name was asset recovery associates.
01/23/2017	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	TX 77584	Web
XXXX ( XXXX ), is attempting to collect on a debt that fell off my credit report several years ago. This debt is over 15 years old, and they 've called me five times this morning. I ca n't get them to send me written verification of this debt, and the credit card account number does n't match the credit card number that I had with XXXX XXXX XXXX.
07/31/2015	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened arrest/jail if do not pay	SC 29016	Web
The representative was attempting to link me to a debt of someone that I know. They threatened to serve me with legal documents and place me in jail. I requested that they stop calling me. I told them that I understood my rights and they had no business threatening me in order to get a different individual. They repeatedly hung up the phone.
03/15/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY 109XX	Web
XX/XX/XXXX I was contacted by a XXXX XXXX at XXXX who claimed that I had a credit card with XXXXXXXX XXXX in XXXX that had a balance of {$470.00} but has accrued over {$1000.00} in interest. I have never even heard of this account. This man had my personal information and would not accept the fact that this debt has never been mine.
09/11/2016	Yes	Debt collection Auto	Taking/threatening an illegal action Threatened to sue on too old debt	TX 75061	Web
A Representative of ARA continues to call & harass me over a time-barred debt with XXXX XXXX XXXX. I have been threatened with law suit filing and have continued to advise that this debt was disposed of 15+ years ago. I have asked the representative to cease and desist yet they continue to harass me with threatening phone calls.
11/16/2017	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	Older American
I got a letter from XXXX XXXX in The state of XXXX. Who bought my old credit card debt from XXXX XXXX . The debt is not even on my credit report anymore. They said I owe over {$5000.00} and want me to pay the whole amount or will do a judgement against me. The debt I did have with XXXX XXXX but the debt is 9 years or older.
02/01/2017	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened to sue on too old debt	TX 77471	Web
Form letter received for undisclosed debt for {$19000.00} to be reduced to only {$6000.00} if I contact by phone by XX/XX/XXXX. Letter arrived with no address on envelope or letter. Today I received call and voice mail on my cell and my alternate phone number harassing me to contact asap or legal action will be taken.
04/08/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	TX 76028	Web
Debt has been in default with no payments made since XX/XX/XXXX. Company called me in XX/XX/XXXX threating to file lawsuit. I reside in Texas and the statue is limited to XXXX years. This item has been so old it had been removed from my credit report. Debt collector called from XXXX ( XXXX XXXX XXXX IL, XXXX
10/13/2018	No	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 78130	Web	Older American
On XX/XX/2018 I spoke with XXXX XXXX from XXXX XXXX XXXX via a phone call and she informed me that my bank account would be frozen if I did not pay {$5800.00} concerning an alleged debt to XXXX XXXX. I am an elderly person with a hearing problem living on Social Security and was scared by her conversation.
12/06/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	FL 33326	Web
XXXX XXXX called me regarding a debt that was not mine it was an identity theft. it was over XXXX years ago or more. they threatened to put a lien on my current cc. they called my XXXX mom, sister, work and harassing me none stop.. they are rude. they know my minor child name, school she attends.
10/15/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92509	Web
On XXXX/XXXX/XXXX I received a call from XXXX XXXX at XXXX XXXX XXXX, phone # XXXX, XXXX XXXX XXXX, XXXX XXXX, IL, XXXX. She claims I owe {$13000.00} to XXXX XXXXk. I told her I do not recognize this debt and she has the wrong person. On XXXX/XXXX/XXXX I received a letter in the mail from ARA.
10/02/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	AZ 85224	Web
XX/XX/2018 - Debt Collection Company from XXXX, IL called me about a debt that is beyond the statute of limitations for the time that I can be contacted. Their phone number is XXXX. ARA is the name of the company. XXXX XXXX XXXX is the name of the company. Please do something about this NOW!
12/30/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	CA 91364	Web
They continue to call and threaten to sue me if I do n't pay for an old debt that I have already paid over XXXX years ago. I kept telling them I do not owe but they said they will sue if I do n't pay. I do n't owe this debt. I just received a call and found out the company name. ARA inc .
06/29/2015	Yes	Payday loan	Received a loan I didn't apply for	TX 77084	Web
I did n't receive a loan from these people who have now escalated this to a litigation firm ARA. This company has " process '' servers calling me up to XXXX times a day stating I better contact this number to ARA otherwise they will press criminal charges against me for fraudulent checks!
06/17/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	SC 29115	Web	Older American
The representative was completely belligerant and rude when I ATTEMPTED to let him know that I did not owe this debt. I made him aware that I was elderly and he was not legally allowed to call me anymore at that point he told me there would be a legal judgment placed on me and hung up.
06/06/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	FL 342XX	Web
Received call on my cell phone XXXX XXXX XXXX on XX/XX/2018 approx. XXXX XXXX eastern Said I owed some kind of debt and there was a summons for my arrest I told him to get lost and he said was going to call every day and twice on Sunday and that he was from XXXX the town of XXXX XXXX
07/24/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	LA 70592	Web
Threatened me by stating they were going to place a judgment, garnish wages, and freeze my account on me for a credit card from 2001 if I did not pay off. They had incorrect information about me this is not my account and even if it were they are not within the statutes of limitation.
07/23/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NV 89123	Web	Servicemember
Received a notice of debt collection by a company named ARA Inc in the amount of {$2800.00} owed to XXXX XXXX XXXX. I contacted XXXX XXXX XXXX to confirm I owe no debt and they verified I had no such debt or account with the bank. This is a phantom debt claim. Non existent.
04/19/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	NV 89406	Web
The loan date is back in XXXX , and last activity on that loan on my part was in XXXX . The loan company is located in Maryland, and the loan was taken out in Washington state. The place contacting me is out of XXXX , IL named ARA ( Asset Recovery Associates ).
11/26/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	FL 33063	Web	Older American, Servicemember
Received a call from ARA XXXX XXXX. Claimed I owed XXXX, used my SS # and was vague about the issue. I hung up and he called back and said that since I did so I had proven my guilt. I called back and asked him what I was guilty of? He sounded like a scam artist.
06/27/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
I received the letter I have submitted today from a company called ARA. It says the original creditor is XXXX ( which I have never had an account with ), and I owe them over XXXX. I would like to see the original credit docs that I signed to obtain this debt.
01/11/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	MO 640XX	Web
Recieved a letter from ARA stating that they legally owned a debt from 15 years ago out of SOL by the way. Demanding payment. On bottom of letter it states that if I request verification then they will get a judgement against me within 30 days of my request.
04/13/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	NJ 08854	Web
ARA Inc, XXXX XXXX XXXX XXXX, IL XXXX keep calling us for the acct no # XXXX for my daughter who is only XXXX years old. She CAN NOT obtain any credit 12 years ago. This is a big mistake from them but they keep making harassment phone call to home every day.
08/24/2016	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	FL 33612	Web
Vague message recieved threatening legal action if the call wasn`t returned at th end of the same busineess day. Again, no specifics mentioned. Later determined the co. was a debt collection agency after researching the phone no. on the internet.
10/11/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	CA 94523	Web
Company : Asset Recovery Associates XXXX. XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX Company has attempted and continuously attempts to collect a debt that I have paid twice with two different debt collectors.
02/27/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	WA 98312	Web
Company is trying to collect a debt amount that is much higher than debt actually owed. Attached is the documentation. I was also never served at my current address and my paycheck started to be garnished with no warning or summons issued to me.
12/11/2015	Yes	Debt collection Credit card	False statements or representation Impersonated an attorney or official	NY 119XX	Web	Servicemember
Assett Recovery Associates attempted to impersonate government official-also threats made to take all my assets, wages, house property and to file felony criminal charges. illegal questions about social security number and income questions.
09/01/2020	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 75042	Web
I keep being sent notices over a debt that is not mine. I was a co-signer for an auto loan of over 13 years ago. These people keep calling me and sending notices that they are going to take action against me. Mr. XXXX from Settlement Dept.
11/21/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	OR 97754	Web
I received a letter in the mail from ARA inc . They told me that I owe them {$3300.00} for my XXXX Account. I do not recognize this debt to be mine. I contacted my local law enforcement agency who told me that this is most likely a scam.
07/18/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 152XX	Web	Servicemember
Someone named XXXX called from Asset Recovery Associates stating that I needed to call regarding an urgent financial matter. I have no idea what this could be about but in doing research I found out this company was a major scammer.
02/10/2016	Yes	Debt collection Payday loan	False statements or representation Impersonated an attorney or official	TX 77072	Web
they are calling my employer to get of hold me and when i call them they are telling me that i have a case in XXXX XXXX they refuse to give me the exact name of their company, address, so i can write a cease and decease letter to them.
05/29/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	MI 488XX	Web
ARA INC. is threatening to sue me and seek judgement on a credit card debt that is XXXX years old which is well past the statute of limitations. They have presented no facts or paper work and I do not beleive that I owe this debt.
08/26/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	NY 11756	Web
Just received threatening calls from an anonymous number. Just called them to have them send me written notice of my debt but they refused and said they will consider that i owe it. Very unprofessional and harassing behavior.
09/03/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	TX 75007	Web
I received a letter regarding an XXXX credit card account that was written off at least 10 years ago. The bottom of the letter states that unless I dispute the debt within 30 days, the debt collector will obtain a judgment.
06/16/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	CA 94609	Web
I continue to receive phone calls from different numbers on my cell phone after i sent a letter to ceast all communications with me over a year ago. This debt is well over the 7 years statute as I have no outstanding debt.
05/21/2015	Yes	Debt collection I do not know	False statements or representation Impersonated an attorney or official	IA XXXXX	Web
Asset recovery calling saying i am under an investigation and the gentleman is a special investigator. They do not give what company or debt this is. They call and harrass my XXXX year old mother and call my job
07/19/2017	Yes	Debt collection Payday loan debt	False statements or representation Indicated you were committing crime by not paying debt	TX 752XX	Web
This company debited my card XXXX for a debt I did not owe. They continuously harassed me and my sister. They threatened to send the sheriff to my job. They discussed the debt with someone who was not me.
03/22/2017	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	CA 93535	Web	Servicemember
Company threatend to go to court house and send a bench wareant out for my arrest the company threatend to put my relatives and named by there names on the court order as witnesses
02/15/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 75040	Web
ARA keeps calling me 2 to 3 times a day. They said they are an acquisition firm. I do not owe any debt. One of their numbers is XXXX out of the state of IL.
07/12/2019	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	OH 430XX	Web
Threateningtosendpeopletomyhome. Scaretactics. RepeatedphonecallsafterIaskedthemtostop. Threateningtocontactmyemployer. Theysaytheyarewiththecountycourt.
04/26/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 92840	Web
Recieved a letter from XXXX XXXX with ARA Inc. Stating that i owe a debt for a bank account with XXXX XXXX Bank which ive never held an account with.
03/16/2017	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	FL 347XX	Web
Falsely claimed to have spoken with me on the phone about a debt. I have never had any communication at all with the company.
03/08/2016	No	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	TN 38122	Web
Received a letter from ARA Inc. stating I owed a debt to XXXX XXXX. I have not had an account with XXXX in over 25 years.
07/07/2015	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	NY 134XX	Web
Ara financial at XXXX is using tactics to try and trick you into opening up a debt after SOL has passed and all the above
03/31/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 32065	Web	Servicemember
Called today and threatened me with liens on vehicles and bank accounts if debt not paid. The debt is not even mine.
05/06/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	DC 20032	Referral

04/29/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 92883	Phone	Servicemember

11/22/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours		Phone

10/02/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 90049	Phone

09/10/2019	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	MI 49707	Web

08/07/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76028	Referral

07/02/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours		Phone

07/01/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours		Phone

05/13/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft		Phone

04/18/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 90402	Web

04/15/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	VA 22939	Referral

04/12/2019	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	MS 39532	Phone	Older American

02/19/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	NC 27565	Web

11/07/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 76227	Web

11/06/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NJ 08330	Referral

10/31/2018	No	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 75035	Web

10/16/2018	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 75062	Web

10/10/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt		Phone

10/04/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IA 50208	Phone

10/03/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 95436	Web

10/01/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	SC 29440	Referral

09/25/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	CA 92284	Phone

09/12/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 91325	Web

09/12/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt		Phone

09/07/2018	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted your employer	NM 87124	Web	Servicemember

08/28/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls		Phone

08/22/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 75074	Web	Servicemember

08/09/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 23503	Web	Servicemember

08/07/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30909	Phone

07/31/2018	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls		Phone

06/28/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours		Phone

06/13/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MS 38671	Web	Servicemember

06/01/2018	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls		Referral

05/17/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85301	Phone

05/09/2018	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 76541	Web

05/09/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	ND 58801	Web

05/03/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OR 97123	Referral

05/01/2018	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	WA 98337	Web	Older American, Servicemember

05/01/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32708	Referral

04/19/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OK 74033	Web

04/19/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 75246	Phone

04/11/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19072	Web

04/10/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours		Phone

04/02/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33032	Phone

03/21/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	TX 77365	Web	Older American, Servicemember

03/08/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	VA 22603	Referral

03/06/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	CA 95204	Postal mail	Servicemember

02/28/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WA 98312	Web

02/25/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 92130	Web

02/15/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NJ 07104	Referral

02/15/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OR 97527	Referral

02/08/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	VT 05661	Web

02/06/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	FL 34120	Web

02/02/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 78108	Web	Servicemember

01/29/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 94579	Web

01/22/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77021	Fax

01/16/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	CA 90028	Web

01/09/2018	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	OH 45458	Web

01/03/2018	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	OH 43512	Web

01/02/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11238	Web

12/28/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 32054	Phone

12/28/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed		Phone

12/18/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	TX 75287	Phone

12/13/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33141	Web

12/08/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	AR 72113	Web

12/05/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	CA 902XX	Web

12/01/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	SC 29210	Web	Older American

11/27/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 75009	Phone

11/07/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30132	Referral

10/31/2017	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	TX 75243	Web

10/26/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MO 65803	Web

10/23/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 20109	Referral

10/12/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 90404	Web

10/04/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75065	Web

10/03/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	SD 57106	Phone

09/25/2017	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	NC 27804	Web

09/14/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85745	Phone

08/30/2017	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted your employer	TX 75032	Web

08/28/2017	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	CA 90026	Web

07/31/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	TX 77447	Web

07/27/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	IN 46601	Phone

07/26/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	OR 97206	Referral

07/20/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30308	Web

07/19/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TN 38133	Web

07/06/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OR 97048	Referral

07/05/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	AR 72401	Web

06/16/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	UT 84010	Web

06/12/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29369	Web	Servicemember

06/05/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 92656	Phone

06/01/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt		Phone

05/23/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32505	Web

05/23/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 76140	Web

05/22/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85249	Web

05/19/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 08736	Postal mail

05/09/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 92008	Web

05/08/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	VA 22307	Web

05/03/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	LA 70578	Web	Older American

05/03/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	FL 32460	Postal mail

05/02/2017	Yes	Debt collection Payday loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	CA 94505	Web

05/02/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	FL 33756	Postal mail

05/02/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours		Phone

05/01/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls		Phone

04/30/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33015	Web	Older American

04/28/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours		Phone

04/26/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Seized or attempted to seize your property	MA 01757	Phone

04/24/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 91024	Fax

04/21/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened to sue on too old debt	MD 21045	Phone

04/19/2017	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	TX 75123	Postal mail	Older American

04/19/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77868	Postal mail

04/19/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NJ 07036	Phone

04/03/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	FL 33928	Web

03/30/2017	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened to sue on too old debt	PA 19073	Web	Older American

03/29/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	TX 79424	Web

03/23/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	NY 12983	Web

03/22/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OR 97439	Referral

03/21/2017	Yes	Debt collection I do not know	False statements or representation Indicated committed crime not paying	CA 92056	Web

03/10/2017	Yes	Credit card	Identity theft / Fraud / Embezzlement	NC 28037	Postal mail

03/03/2017	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	CA 11111	Web

03/03/2017	No	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	WA 98059	Web

02/24/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	LA 70769	Fax

02/24/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	LA 70769	Fax

02/22/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NY 13502	Phone	Older American

02/21/2017	No	Debt collection Credit card	Communication tactics Threatened to take legal action	IN 46112	Web	Older American, Servicemember

02/21/2017	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	PA 19154	Web

02/18/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	PA 18210	Web	Older American

02/16/2017	Yes	Debt collection I do not know	Communication tactics Used obscene/profane/abusive language	GA 30019	Web

02/15/2017	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened to sue on too old debt	FL 32526	Web

02/10/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	OH 44709	Phone

02/08/2017	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	TX 77505	Web

02/07/2017	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	TN 37772	Web

02/04/2017	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	GA 30528	Web

01/31/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NJ 08559	Phone

01/26/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened to sue on too old debt	DC 20019	Phone

01/25/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	NV 89406	Web	Older American

01/24/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	NV 89406	Web

01/23/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33021	Phone	Older American

01/10/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 95602	Postal mail	Older American

01/05/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OR 97404	Referral

01/04/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NC 27713	Web

12/20/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OK 74133	Phone	Older American

12/09/2016	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened to sue on too old debt	IL 60151	Postal mail

12/04/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	AZ 853XX	Web

11/16/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 93536	Phone

11/14/2016	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AR 72116	Web	Servicemember

11/09/2016	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	AZ 85037	Postal mail	Older American

11/04/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 75063	Web	Servicemember

10/28/2016	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	MD 20752	Phone

10/25/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	TX 79904	Web

10/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA 24179	Referral

10/15/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened to sue on too old debt	CA 92821	Web

10/07/2016	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened to sue on too old debt	GA 31602	Web	Servicemember

09/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	AZ 85339	Referral

09/27/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	WA 98569	Web	Older American, Servicemember

09/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NC 27501	Phone

09/22/2016	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted employer after asked not to	TX 75126	Phone

09/21/2016	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	PA 15003	Phone

09/15/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	TX 78217	Web

09/15/2016	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened arrest/jail if do not pay	OH 45236	Web

09/14/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	RI 02852	Phone	Servicemember

09/13/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	PA 18640	Web	Older American

08/16/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	OK 74801	Web

08/16/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	OR 97045	Web	Older American

08/10/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 90278	Postal mail

08/01/2016	Yes	Credit card	Identity theft / Fraud / Embezzlement	AZ 85379	Web	Older American, Servicemember

07/25/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	NH 03304	Phone	Older American

07/18/2016	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	GA 30328	Web	Older American, Servicemember

07/15/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	OK 74017	Referral

07/14/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	AL 35907	Phone

07/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OK 74017	Referral

07/07/2016	Yes	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	TX 78734	Web

06/23/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77375	Web	Older American, Servicemember

06/15/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	NH 03873	Web

06/15/2016	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened to sue on too old debt	TX 77058	Web	Older American

05/23/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	WA 98273	Web	Servicemember

05/21/2016	Yes	Credit card	Sale of account	WA 98012	Web	Servicemember

05/20/2016	Yes	Debt collection Credit card	Communication tactics Used obscene/profane/abusive language	KY 40245	Web

05/18/2016	Yes	Debt collection Payday loan	Communication tactics Threatened to take legal action	NJ 08002	Referral

05/06/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 33605	Phone	Older American

04/28/2016	No	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CT 06053	Web

04/27/2016	No	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	FL 32712	Phone	Servicemember

04/19/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92346	Phone	Older American

04/16/2016	Yes	Debt collection I do not know	False statements or representation Impersonated an attorney or official	NM 88130	Web

04/12/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	CA 90501	Web	Older American

04/05/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33704	Web	Older American

04/04/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	NC 27526	Web

04/02/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 90305	Web

03/16/2016	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	CA 94599	Phone	Servicemember

03/11/2016	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 75043	Fax

02/25/2016	No	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	TX 76053	Phone	Older American

02/24/2016	No	Debt collection Payday loan	Disclosure verification of debt Right to dispute notice not received	CO 80218	Phone	Servicemember

02/23/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	MO 63640	Postal mail	Older American

02/15/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	NC 27278	Web

02/03/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NM 87124	Web

02/02/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	PA 19055	Web

02/01/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30338	Web

01/29/2016	Yes	Payday loan	Can't contact lender	WA 98936	Web

01/26/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 95819	Web

01/16/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	MO 63052	Web

01/15/2016	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	CA 92122	Phone

01/13/2016	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened to sue on too old debt	IA 52349	Web

01/12/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 92071	Web

12/07/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MI 48507	Web

11/25/2015	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	NV 89012	Web

11/23/2015	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	SC 29460	Phone

11/13/2015	No	Debt collection I do not know	Communication tactics Called outside of 8am-9pm	WA 98683	Web

11/12/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60031	Web

11/10/2015	Yes	Debt collection Credit card	False statements or representation Impersonated an attorney or official	MI 48141	Phone

11/10/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	DC 20086	Referral

11/09/2015	Yes	Debt collection I do not know	Communication tactics Used obscene/profane/abusive language	VA 22408	Web	Servicemember

10/30/2015	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	OK 74720	Fax

10/30/2015	No	Debt collection Credit card	Communication tactics Threatened to take legal action	UT 84104	Postal mail	Older American

10/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened arrest/jail if do not pay	FL 32310	Referral

10/28/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 33193	Phone

10/21/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	LA 70446	Web

10/14/2015	Yes	Credit card	Closing/Cancelling account	SC 29745	Web

10/14/2015	No	Debt collection Auto	Disclosure verification of debt Not given enough info to verify debt	DE 19702	Referral

10/13/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	TX 75235	Phone

10/09/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NJ 07506	Phone	Servicemember

10/08/2015	No	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	NM 87402	Web

10/08/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 34639	Web

10/08/2015	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	DE 19904	Web

10/07/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	FL 32608	Web

10/07/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	TX 75051	Web

10/05/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	NV 89104	Fax	Older American

09/25/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	CA 94109	Web

09/03/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	LA 70119	Referral

08/31/2015	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77070	Phone

08/21/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt		Postal mail

08/20/2015	Yes	Debt collection Payday loan	Communication tactics Threatened to take legal action	OK 73025	Referral

08/12/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	NV 89701	Web	Older American

08/12/2015	Yes	Debt collection I do not know	Communication tactics Used obscene/profane/abusive language	CA 90011	Web	Servicemember

08/06/2015	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	CT 06098	Web

08/04/2015	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	GA 30135	Phone

07/31/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	LA 70805	Phone	Older American, Servicemember

07/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OK 73521	Referral

07/17/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	OK 73118	Referral

07/17/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	OK 73118	Referral

07/16/2015	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	VI 00802	Web

07/09/2015	Yes	Debt collection Auto	Taking/threatening an illegal action Threatened arrest/jail if do not pay	FL 33321	Phone

07/08/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OK 73031	Referral

06/30/2015	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	WA 98826	Web

06/30/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	OR 97503	Web	Older American

06/24/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	SC 29501	Web

06/24/2015	Yes	Debt collection Credit card	False statements or representation Indicated committed crime not paying	UT 84096	Web

06/08/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	VA 23235	Web

05/26/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	GA 30357	Web

05/26/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	VA 22124	Web	Servicemember

05/22/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	CA 92692	Phone

05/20/2015	Yes	Debt collection Credit card	False statements or representation Indicated committed crime not paying	NY 10312	Phone	Servicemember

05/20/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	TX 75056	Web	Servicemember

05/20/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	FL 34445	Phone	Older American

05/18/2015	No	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	NJ 07107	Web

05/13/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	MD 21113	Web

05/07/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	LA 71128	Web

05/06/2015	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened to sue on too old debt	TX 78222	Web	Older American

05/06/2015	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened to sue on too old debt	TX 78222	Web	Older American

05/06/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	SC 29730	Phone

04/30/2015	Yes	Payday loan	Can't stop charges to bank account	IL 62269	Web

04/23/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	TX 76028	Web

04/21/2015	No	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	NJ 07748	Referral

04/08/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 78223	Phone	Older American

04/03/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	KY 42223	Web	Servicemember

03/19/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WA 98249	Web

03/18/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	LA 70090	Phone	Older American

03/14/2015	Yes	Debt collection I do not know	Taking/threatening an illegal action Sued where didn't live/sign for debt	NJ 08210	Web

03/13/2015	Yes	Debt collection I do not know	Communication tactics Called outside of 8am-9pm	TX 76117	Web

03/13/2015	Yes	Debt collection Payday loan	Communication tactics Threatened to take legal action	ME 04410	Phone

03/13/2015	Yes	Debt collection I do not know	False statements or representation Impersonated an attorney or official	VA 22304	Web

03/10/2015	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened arrest/jail if do not pay	KY 40229	Web

03/09/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	WA 98034	Phone

03/05/2015	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	OH 45439	Web

02/20/2015	No	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	CA 95960	Web

02/18/2015	No	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Impersonated an attorney or official	NV 89144	Web

02/07/2015	Yes	Debt collection I do not know	False statements or representation Impersonated an attorney or official	OR 97457	Web

02/05/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	MS 38661	Web

02/05/2015	No	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	MA 01880	Phone

02/04/2015	No	Debt collection Auto	Taking/threatening an illegal action Threatened to sue on too old debt	NC 28120	Web

01/27/2015	No	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NY 10530	Web

01/22/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 14513	Web

01/21/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MI 48116	Web	Servicemember

01/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NC 28601	Phone

01/13/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 75961	Web	Older American

01/12/2015	No	Debt collection I do not know	Taking/threatening an illegal action Threatened arrest/jail if do not pay	NV 89123	Web

01/08/2015	No	Debt collection Credit card	False statements or representation Impersonated an attorney or official	TX 79107	Web	Servicemember

01/07/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	VA 23235	Web

12/30/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	WA 98404	Web

12/22/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	FL 33777	Web

12/18/2014	No	Debt collection I do not know	Taking/threatening an illegal action Sued where didn't live/sign for debt	AK 27360	Web	Servicemember

12/02/2014	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened arrest/jail if do not pay	TX 75146	Web

11/20/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	OR 97459	Web

11/20/2014	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	CA 93636	Web

11/19/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	MD 20723	Web

11/18/2014	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	PA 19444	Phone

11/14/2014	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened to sue on too old debt	NM 87002	Web

11/13/2014	Yes	Debt collection I do not know	False statements or representation Impersonated an attorney or official	FL 32025	Web

11/06/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	MD 20706	Fax	Older American

11/05/2014	Yes	Bank account or service Checking account	Deposits and withdrawals	NV 89183	Phone	Older American

11/01/2014	Yes	Credit card	Bankruptcy	GA 30815	Web	Older American

11/01/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened to sue on too old debt	GA 30135	Web	Older American

10/30/2014	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	MD 20774	Referral

10/30/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NJ 08077	Web

10/25/2014	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	MI 49441	Web

10/24/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	PA 15767	Postal mail	Servicemember

10/22/2014	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	FL 32716	Web

10/19/2014	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	FL 32828	Web

10/18/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 95928	Web	Older American

10/17/2014	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened to sue on too old debt	NE 68102	Web

10/17/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Impersonated an attorney or official		Phone

10/16/2014	Yes	Debt collection Medical	Communication tactics Called after sent written cease of comm	VA 23509	Referral

10/15/2014	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened to sue on too old debt	OH 44054	Web

10/14/2014	Yes	Consumer Loan Pawn loan	Can't contact lender	MD 20745	Web	Servicemember

10/14/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	MD 20745	Web	Servicemember

10/09/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	DC 20003	Web

10/03/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	FL 33327	Web

10/02/2014	Yes	Debt collection I do not know	Taking/threatening an illegal action Sued w/o proper notification of suit	CT 06082	Web

09/29/2014	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt was paid	NC 27278	Phone

09/25/2014	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	MD 21703	Referral

09/22/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	MD 21218	Phone	Older American

09/13/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PA 15083	Web

09/03/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AR 72116	Web

08/20/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	OH 45424	Web

08/19/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Attempted to/Collected exempt funds	VA 23868	Referral

08/11/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	OR 97503	Phone	Older American

08/08/2014	Yes	Debt collection Auto	Taking/threatening an illegal action Threatened to sue on too old debt	CA 92021	Fax

08/06/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	VA 23323	Web

07/31/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	TX 78504	Postal mail

07/31/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	NV 89129	Web

07/31/2014	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt is not mine	TX 77433	Web	Servicemember

07/24/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted employer after asked not to	PA 16505	Phone

07/21/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	GA 30297	Web

07/15/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 34101	Web

07/14/2014	Yes	Debt collection Credit card	False statements or representation Impersonated an attorney or official	WA 98684	Web

07/09/2014	Yes	Debt collection I do not know	Communication tactics Used obscene/profane/abusive language	GA 30067	Phone	Older American

07/03/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	CA 94506	Web

06/25/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	NV 89107	Web

06/16/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 93420	Web

06/13/2014	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened to sue on too old debt	AR 72058	Web	Servicemember

06/09/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me instead of my attorney	NY 11953	Web

05/22/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted employer after asked not to	DC 20012	Phone

05/09/2014	No	Debt collection Credit card	Communication tactics Threatened to take legal action	FL 33128	Phone

05/02/2014	No	Debt collection I do not know	Communication tactics Threatened to take legal action	TN 37042	Web	Older American

04/29/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NC 27360	Web

04/29/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	NY 10963	Phone	Older American

04/22/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	FL 33186	Web

04/11/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	SC 29627	Referral

03/31/2014	Yes	Debt collection Auto	Communication tactics Called after sent written cease of comm	TX 75232	Web

02/26/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	PA 16845	Phone	Older American

02/26/2014	No	Debt collection I do not know	Taking/threatening an illegal action Threatened to sue on too old debt	OR 97086	Web

02/18/2014	Yes	Debt collection Auto	Improper contact or sharing of info Contacted me after I asked not to	NJ 88210	Web

01/27/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NJ 07083	Web

01/20/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 92399	Web	Older American

01/16/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	MD 20772	Web

01/06/2014	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt is not mine	LA 71104	Web

12/29/2013	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	VA 22448	Web	Older American

12/28/2013	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	AZ 85308	Web

12/19/2013	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me after I asked not to	TX 75235	Web

12/19/2013	Yes	Debt collection Auto	Taking/threatening an illegal action Threatened to sue on too old debt	FL 32331	Web

11/21/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	MO 64155	Phone